# EDGAR Filing Document

**Accession Number:** 0001697970
**File Stem:** 0001387131-23-000384
**Filing Date:** 2023-1
**Character Count:** 3174635
**Document Hash:** 29a71a7bce4721a4182bbad62bfe031c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001387131-23-000384.hdr.sgml**: 20230118

**ACCESSION NUMBER**: 0001387131-23-000384

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

**PUBLIC DOCUMENT COUNT**: 75

**CONFORMED PERIOD OF REPORT**: 20230118

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

**FILED AS OF DATE**: 20230118

**DATE AS OF CHANGE**: 20230118

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Angel Oak Mortgage Trust I, LLC
- **CENTRAL INDEX KEY:** 0001697970
- **IRS NUMBER:** 816646854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-03251
- **FILM NUMBER:** 23534124

**BUSINESS ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305
- **BUSINESS PHONE:** 4046370412

**MAIL ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Angel Oak Mortgage Trust I, LLC
- **CENTRAL INDEX KEY:** 0001697970
- **IRS NUMBER:** 816646854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305
- **BUSINESS PHONE:** 4046370412

**MAIL ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

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**FORM ABS-15G**

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**ASSET-BACKED SECURITIZER REPORT**

**Pursuant to Section 15G of**

**the Securities Exchange Act of 1934**

**Angel Oak Mortgage Trust I, LLC**

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

☐ **Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _______ to __________**

**Date of Report (Date of earliest event reported):<u> </u>**

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**(Exact name of securitizer as specified in its charter)**

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| | |
|:---|:---|
| **(Commission File Number of securitizer)** | **(Central Index Key Number of securitizer)** |

---

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

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

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

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

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

**Angel Oak Mortgage Trust 2023-1**

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

**Central Index Key Number of depositor: 0001697970**

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

**Central Index Key Number of underwriter (if applicable): ____**

**Adam Langley, Chief Compliance Officer, (404) 637-0412**

**Name and telephone number, including area code of the person**

**to contact in connection with this filing**

**PART I – REPRESENTATION AND WARRANTY INFORMATION**

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| | |
|:---|:---|
| **Item 1.01** | **Initial Filing of Rule 15Ga-1 Representations and Warranties Disclosure** |

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Not applicable.

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| | |
|:---|:---|
| **Item 1.02** | **Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure** |

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Not Applicable.

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| | |
|:---|:---|
| **Item 1.03** | **Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure** |

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Not Applicable.

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

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

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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.

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

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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.

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| | |
|:---|:---|
| Angel Oak Mortgage Trust I, LLC | Angel Oak Mortgage Trust I, LLC |
| (Depositor) | (Depositor) |
| By: | /s/ Adam Langley |
| Name: | Adam Langley |
| Title: | Chief Compliance Officer |

---

Date: January 18, 2023

EXHIBIT INDEX

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| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Due Diligence Executive Summary |
| [99.2](ex99-2.htm) | AMC Valuation Summary |
| [99.3](ex99-3.htm) | AMC Exception Grades |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Data Compare Summary |
| [99.6](ex99-6.htm) | Consolidated Analytics, Inc. ("Consolidated") Executive Summary |
| [99.7](ex99-7.htm) | Consolidated Due Diligence Report |
| [99.8](ex99-8.htm) | Consolidated Valuation Report |
| [99.9](ex99-9.htm) | Consolidated Grading Summary Report |
| [99.10](ex99-10.htm) | Consolidated Data Compare Report |
| [99.11](ex99-11.htm) | Covius Real Estate Services, LLC ("Covius") Executive Summary |
| [99.12](ex99-12.htm) | Covius Rating Agency Exceptions Matrix |
| [99.13](ex99-13.htm) | Covius Rating Agency Grades |
| [99.14](ex99-14.htm) | Covius Rating Agency Data Compare |
| [99.15](ex99-15.htm) | Covius Rating Agency Valuation Report |
| [99.16](ex99-16.htm) | Infinity IPS, Inc. ("Infinity") Executive Summary |
| [99.17](ex99-17.htm) | Infinity Agency Grade Report |
| [99.18](ex99-18.htm) | Infinity Data Compare |
| [99.19](ex99-19.htm) | Infinity Individual Exception Report |
| [99.20](ex99-20.htm) | Infinity Valuation Report |
| [99.21](ex99-21.htm) | Inglet Blair, LLC ("IB") Executive Summary |
| [99.22](ex99-22.htm) | IB Exception Report |
| [99.23](ex99-23.htm) | IB Data Comparison |
| [99.24](ex99-24.htm) | IB Final Grading Summary |
| [99.25](ex99-25.htm) | IB Valuation Report |
| [99.26](ex99-26.htm) | Selene Diligence LLC ("Selene") Due Diligence Review Narrative |
| [99.27](ex99-27.htm) | Selene Rating Agency Grading |
| [99.28](ex99-28.htm) | Selene Findings Detail |
| [99.29](ex99-29.htm) | Selene Valuation Summary |
| [99.30](ex99-30.htm) | Selene Data Compare |
| [99.31](ex99-31.htm) | Recovco Mortgage Management ("Recovco") Executive Summary |
| [99.32](ex99-32.htm) | Recovco Rating Agency Grades |
| [99.33](ex99-33.htm) | Recovco Exception Level |
| [99.34](ex99-34.htm) | Recovco Valuation Summary |
| [99.35](ex99-35.htm) | Recovco Data Comparison |
| [99.36](ex99-36.htm) | Canopy Financial Technology Partners LLC ("Canopy") Narrative |
| [99.37](ex99-37.htm) | Canopy Rating Agency Grades Summary Report |
| [99.38](ex99-38.htm) | Canopy Rating Agency Grades Detail Report |
| [99.39](ex99-39.htm) | Canopy Valuation Report |
| [99.40](ex99-40.htm) | Canopy Data Compare Report |
| [99.41](ex99-41.htm) | Evolve Mortgage Services, LLC ("Evolve") Executive Summary |
| [99.42](ex99-42.htm) | Evolve Rating Agency Grades |
| [99.43](ex99-43.htm) | Evolve Exception Detail |
| [99.44](ex99-44.htm) | Evolve Valuation Report |
| [99.45](ex99-45.htm) | Evolve Data Compare |
| [99.46](ex99-46.htm) | Clayton Services LLC ("Clayton") Due Diligence Narrative Report |
| [99.47](ex99-47.htm) | Clayton Lon Level Tape Compare |
| [99.48](ex99-48.htm) | Clayton Valuation Summary |
| [99.49](ex99-49.htm) | Clayton Waived Conditions Summary |
| [99.50](ex99-50.htm) | Clayton Conditions Detail |
| [99.51](ex99-51.htm) | Maxwell Diligence Solutions ("Maxwell") Executive Summary |
| [99.52](ex99-52.htm) | Maxwell Grading Report |
| [99.53](ex99-53.htm) | Maxwell Valuation Report |
| [99.54](ex99-54.htm) | Maxwell Exception Report |
| [99.55](ex99-55.htm) | Maxwell Data Integrity Summary |

---

## Exhibit 99.1

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.1**

![](ex991001.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 loans backed by residential properties (the "Loans") acquired by Angel Oak Real Estate Investment Trust III (the "Client") through its correspondent flow business channel. The Review was conducted May 2019 through December 2021 on Loans with origination dates from April 2019 through November 2021 via files imaged and provided by the Client or its designee for review.

The securitization transaction referred to as the AOMT 2023-1 transaction (the "Current Securitization") has an aggregate loan population of 6. In total during the Review, AMC reviewed a total of 6 unique mortgage loans for inclusion in the securitization.

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

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for paid-in-full mortgage loans or other items that were not disclosed to AMC. The final population of the Review covered 6 Loans totaling an aggregate original principal balance of approximately $1.740 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

Within this population there were 5 Loans that were reviewed by AMC to nationally recognized statistical rating organizations, NRSRO(s), standards for compliance, credit, and valuation (the "Residential Population") and 1 Loan was not reviewed for compliance given the stated loan purpose (investor small balance commercial real estate loans secured by residential property; the "SBCRE Population").

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

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the 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 the Client to the data found in the Loan file as captured during the Review. The data integrity review was completed versus tapes as provided at the time of initial diligence or subsequently updated. As the securitization population includes loans from different periods of time and from differing transactions, not all data elements were provided to AMC on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original P&I |  |

---

Additional information about the data integrity review is included in Item 5 below.

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

AMC's review was differentiated by the purpose of the loan in question and the guidelines for such loan origination

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![](ex991001.jpg)

***<u>Residential Population</u>***

AMC 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 AMC. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

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

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

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

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

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (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, AMC 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:** AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the

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credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

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

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

**Title Review:** AMC's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) 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:** 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.

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.

***<u>SBCRE Population</u>***

Each loan was reviewed for adherence to the relevant credit policy as indicated by the Client. For this review, procedures followed included:

■ Reviewing
 the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence
 to the credit policy, and agreement with other Loan Approval documentation.

■ Examining
 appraisal reports, BPO's, and appraisal reviews to determine if the property type
 is consistent with underwritten property type and usage (such as evidence/an indication
 of either owner or tenant occupancy) and comparing this information against other relevant
 information contained within applicable sections of the loan file to evaluate consistency,
 accuracy, and adheres to the credit policy.

■ Reviewing
 environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy
 and adherence to credit policy requirements.

■ Reviewing
 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.

■ Reviewing
 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.

■ Reviewing
 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).

■ Reviewing
 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.

■ Confirming,
 if applicable, business license(s) and P&L's are present, valid, and adheres
 to credit policy requirements.

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■ Confirming,
 if applicable, second mortgage documents are present, valid, align with approved terms
 amounts, and adhere to credit policy requirements.

■ Reviewing
 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.

■ Reviewing
 the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity
 for presence of a completed fields, and verifying that the hand written Primary Residence
 address differs from the subject property address, and is signed/dated as required.

■ Verifying
 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.

■ Comparing
 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.

■ Documenting
 any non-approved credit policy exceptions and/or inconsistencies and reporting and/or
 marking such items for further dialogue.

Documents reviewed include the following items (\* = where applicable):

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Note | &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Flood certificates |
| &nbsp;&nbsp;Guaranty Agreement(s)\* | &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Purchase agreement(s)\* |
| &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Verification of down payment funds/ funds to close / reserve funds\* | &nbsp;&nbsp;Final HUD-1 |
| &nbsp;&nbsp;Non-Owner-Occupancy & Business – Purpose Letter of Intent (LOI) / Letter of Explanation (LOE) | &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Title Search Documentation |
| &nbsp;&nbsp;Final Form 1003 / Loan Application(s) | &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage |
| &nbsp;&nbsp;Credit Report(s) | &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Verification of Rent / Mortgage (VOR/VOM) payment history\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Certification(s) of Business purpose of loan |
| &nbsp;&nbsp;Identification / proof of residency status | &nbsp;&nbsp;Rent Roll\* | &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Environmental reports |  |

---

**(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 (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.

With regard to the use of comparable properties, AMC'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.

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

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

***<u>Residential Population</u>***

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.

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 loan's collateral that has been reviewed by AMC.

AMC 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;a) <u>Rescission (§1026.23):</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; 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;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

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

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

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

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

&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;e) <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;

**(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 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 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 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;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 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;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

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**

AMC 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;■ Initial
 application (1003);

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 TIL;

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

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

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

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

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

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

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

&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 AMC. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

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

&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;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;(1) Note:
 Where available, AMC 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, AMC'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;b) <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 loan
 to a first time homebuyer that contains a negative amortization feature;

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

&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;

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&nbsp;&nbsp;&nbsp;&nbsp;d) <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;
 and

&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;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;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;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.

**(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;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 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). AMC determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, AMC notes if an originator loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, AMC 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, AMC 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, AMC 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.

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, AMC 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.

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

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

AMC 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"). AMC 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. AMC's review is based on information contained in the loan file at the time it is provided to AMC 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;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;

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**

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 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 AMC. 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, 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 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. 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 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

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and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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:

**(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;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 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 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;

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;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 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

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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 Former 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;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.

**(XIII) 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;■ 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.

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

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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.

**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 Item 3 of the Form ABS Due Diligence-15E.

**COMPLIANCE RESULTS SUMMARY**

Please note that 1 Loan is a small balance commercial loan on a residential property that was not subjected to a compliance review and did not receive a compliance grade. Of the remaining 5 mortgage loans, 100% received an "A" or "B" compliance grade under NRSRO grading criteria.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Residential<br> Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Compliance Not Run | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, 5 Loans (83.33%) possessed an "A" grade. The "B" grade corresponds to 1 Loan (16.67%) where the primary exception was based on a Loan characteristic falling outside of the applicable Underwriting Guidelines; however, a strong documented compensating factor existed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, 100.00% of the Loans possessed an "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &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;**6** | &nbsp;&nbsp;**100.00%** |

---

**OVERALL RESULTS SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections above, 100.00% of the Loans by number in the pool possessed a NRSRO grade of "A", or "B".

12 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 6 Loans reviewed, there were 2 different tape discrepancies across 2 data fields (some Loans had more than one data delta). As discussed above, there were 32 data fields included in the tape integrity review. Not all data fields would have been provided on all Loans within the securitization population.

The largest variances were found on Investor: Qualifying Housing Ratio and MERS Min Number. Please note that Investor: Qualifying Total Debt Ratios where the variance was less than 200 basis points were excluded as deltas.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| # of Units | 0 | 3 | 0.00% | 6 |
| Amortization Type | 0 | 3 | 0.00% | 6 |
| Borrower First Name | 0 | 3 | 0.00% | 6 |
| Borrower Last Name | 0 | 6 | 0.00% | 6 |
| Borrower Self-Employed? | 0 | 3 | 0.00% | 6 |
| City | 0 | 6 | 0.00% | 6 |
| Doc Type | 0 | 3 | 0.00% | 6 |
| First Payment Date | 0 | 3 | 0.00% | 6 |
| Interest Only | 0 | 3 | 0.00% | 6 |
| Investor: Qualifying Housing Ratio | 1 | 2 | 50.00% | 6 |
| Investor: Qualifying Total Debt Ratio | 0 | 6 | 0.00% | 6 |
| Lien Position | 0 | 3 | 0.00% | 6 |
| LTV Valuation Value | 0 | 3 | 0.00% | 6 |
| Margin | 0 | 3 | 0.00% | 6 |
| MERS Min Number | 1 | 3 | 33.33% | 6 |
| Note Date | 0 | 6 | 0.00% | 6 |
| Occupancy | 0 | 3 | 0.00% | 6 |
| Original CLTV | 0 | 6 | 0.00% | 6 |
| Original Interest Rate | 0 | 3 | 0.00% | 6 |
| Original Loan Amount | 0 | 6 | 0.00% | 6 |
| Original LTV | 0 | 6 | 0.00% | 6 |
| Original P&I | 0 | 3 | 0.00% | 6 |
| Original Term | 0 | 6 | 0.00% | 6 |
| Originator Loan Designation | 0 | 2 | 0.00% | 6 |
| Prepayment Penalty | 0 | 3 | 0.00% | 6 |
| Property Type | 0 | 6 | 0.00% | 6 |
| Purpose | 0 | 6 | 0.00% | 6 |
| Refi Purpose | 0 | 4 | 0.00% | 6 |
| Representative FICO | 0 | 6 | 0.00% | 6 |

---

13 \| P a g e

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| State | 0 | 6 | 0.00% | 6 |
| Street | 0 | 3 | 0.00% | 6 |
| Zip | 0 | 6 | 0.00% | 6 |
| **Total** | **2** | **134** | **1.49%** | **6** |

---

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY\***

\*Some tables may not add to 100% due to rounding

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% | &nbsp;&nbsp;$1595200.00 | &nbsp;&nbsp;91.68% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$144750.00 | &nbsp;&nbsp;8.32% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1739950.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1739950.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1739950.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$836800.00 | &nbsp;&nbsp;48.09% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$158400.00 | &nbsp;&nbsp;9.10% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$600000.00 | &nbsp;&nbsp;34.48% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$144750.00 | &nbsp;&nbsp;8.32% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1739950.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1739950.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1739950.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;4 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$1036150.00 | &nbsp;&nbsp;59.55% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$268800.00 | &nbsp;&nbsp;15.45% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$435000.00 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1739950.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;4 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$1338150.00 | &nbsp;&nbsp;76.91% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;2 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$401800.00 | &nbsp;&nbsp;23.09% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1739950.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Profile** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |

---

14 \| P a g e

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Full Credit/Compliance | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% | &nbsp;&nbsp;$1606950.00 | &nbsp;&nbsp;92.36% |
| &nbsp;&nbsp;Leases | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$133000.00 | &nbsp;&nbsp;7.64% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1739950.00** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

## Exhibit 99.2

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.2**

![](situsamclogo.jpg)

**Valuation Report**

**Run Date - 1/5/2023 11:28:47 AM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| XXX | 2023010111 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | XXX |  |  |  |  | N/A | XXX |
| XXX | 2023010112 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  | Low | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| XXX | 2023010623 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| XXX | 2023010640 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Appraisal | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |
| XXX | 2023010639 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Appraisal | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX |
| XXX | 2023010641 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Appraisal | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX |

---

## Exhibit 99.3

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.3**

![](situsamclogo.jpg)

**Exception Grades**

**Run Date - 1/5/2023 11:28:47 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| xxx | 2023010111 |  |  | XXX | 801903121752-4264 | XXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of X.XX is less than Guideline PITIA months reserves of X.XX. | X months PITI reserve requirement not meet but meets the exception policy based on compensating factor of Low front end DTI, Low LTV | Guideline variance approved by lender at time of origination. |  | Originator Pre-Close | Reviewer Comment (XXX): CRE DXXX | XXX |  | XXX | 2 C B | XXX | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| xxx | 2023010111 |  |  | XXX | 801903121752-25454 | XXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (XXX): Received CDA | XXX |  | XXX | 1 C A | XXX | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| xxx | 2023010111 |  |  | XXX | 801903121752-22166 | XXX | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. | Valuation Type: Appraisal / Valuation Report Date: XXX |  |  |  |  | Reviewer Comment (XXX): Received copy of license effective XXX through XXX<br>Buyer Comment (XXX): why do we need history? license show issued XXX and expire X/XX/XXX which is in between the time the appraisal was completed.<br>Reviewer Comment (XXX): Rec'd copy of appraiser license expiring on XXX; unable to verify license history prior to XXX effective date on National Registry.<br>Buyer Comment (XXX): app done X/XX and appraiser lic expire X/XX/XXX ? | XXX |  | XXX | 1 C A | XXX | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| xxx | 2023010111 |  |  | XXX | 801903121752-3212 | XXX | Credit | Income / Employment | Income Documentation | Income / Employment | Employment Error: Employment job title not provided. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: XXX, Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: XXX, Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: XXX, Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: XXX, Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: XXX, Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: XXX, Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: XXX, Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: XXX | Not provided |  |  |  | Reviewer Comment (XXX): Client elects to waive. | XXX |  | XXX | 2 B | XXX | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| xxx | 2023010111 |  |  | XXX | 801903121752-5895 | XXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | Texas Constitution Section XX(a)(X): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. |  |  |  |  | Reviewer Comment (XXX): Received borrower signed acknowledgement | XXX |  | XXX | 1 C A | XXX | TX | Primary | Refinance - Rate/Term | Either Deliver the required documents to the borrower or refund or credit the borrower $X,XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| xxx | 2023010111 |  |  | XXX | 801903121752-23015 | XXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Security Instrument did not disclose that loan is a Texas Home Equity Loan) | Texas Constitution Section XX(a)(X): Texas Cash-out Loan. Security instrument does not disclose that the loan is a TX Home Equity/XX(a)(X) Loan. |  |  |  |  | Reviewer Comment (XXX): Xnd lien being paid off at closing is subject to TXXX(a)(X).<br>Reviewer Comment (XXX): Payoff of a non-purchase money lien is considered cash out<br>Buyer Comment (XXX): Correct which makes it a no cash out. If the borrower would have received money back then the tx XX (a)(X) docs would have been done.<br>Reviewer Comment (XXX): Loan is a Texas Equity out loan transaction. $XX,XXX.XX non-purchase money lien (item # X of title commitment paid off through closing.<br>Buyer Comment (XXX): This was a a No Cash Out Rate Term Refinance and not a TX XX(a)(X) so this doc would have not been required.<br>Reviewer Comment (XXX): Rec'd copy of Notice Concerning Extensions of Credit; Security Instrument did not disclose that loan is a TX Home Equity Loan. Exception to remain. | XXX |  | XXX | 1 C A | XXX | TX | Primary | Refinance - Rate/Term | Refund or credit the borrower $X,XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| xxx | 2023010111 |  |  | XXX | 801903121752-6336 | XXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section XX(a)(X): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-XX endorsement or the T-XX.X endorsement. (The loan is a Texas Section XX (a)(X) home equity loan.) |  |  |  |  | Reviewer Comment (XXX): Xnd lien being paid off at closing is subject to TXXX(a)(X). | XXX |  | XXX | 1 B A | XXX | TX | Primary | Refinance - Rate/Term | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A | Non QM | Non QM | No |
| xxx | 2023010111 |  |  | XXX | 801903121752-2422 | XXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Texas Constitution Section XX(a)(X): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. |  |  |  |  | Reviewer Comment (XXX): Xnd lien being paid off at closing is subject to TXXX(a)(X).<br>Reviewer Comment (XXX): Payoff of a non-purchase money lien is considered cash out<br>Buyer Comment (XXX): Correct which makes it a no cash out. If the borrower would have received money back then the tx XX (a)(X) docs would have been done.<br>Reviewer Comment (XXX): Loan is a Texas Equity out loan transaction. $XX,XXX.XX non-purchase money lien (item # X of title commitment paid off through closing.<br>Buyer Comment (XXX): this was a No Cash Out Rate Term Refinance and not a TX XX(a)(X). | XXX |  | XXX | 1 C A | XXX | TX | Primary | Refinance - Rate/Term | To Remediate: the lender or holder may either: (X) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (X) refund or credit the borrower $X,XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B A | Non QM | Non QM | Yes |
| xxx | 2023010112 |  |  | XXX | 801911134734-25454 | XXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (XXX): Received CDA | XXX |  | XXX | 1 C A | XXX | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2023010112 |  |  | XXX | 801911134734-5404 | XXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Borrower-prepared P&L |  |  |  |  | Reviewer Comment (XXX): Cleared P&L provided | XXX |  | XXX | 1 C A | XXX | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| xxx | 2023010623 |  |  | XXX | 801912137242-23931 | XXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  |  | Reviewer Comment (XXX): Provided. | XXX |  | XXX | 1 A | XXX | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2023010623 |  |  | XXX | 801912137242-595 | XXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Company name listed on title, and individual's name on the mortgage. |  |  |  | Reviewer Comment (XXX): provided. | XXX |  | XXX | 1 C A | XXX | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxx | 2023010640 | 201530007258 |  | XXX | 201530007258-3495 | XXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXX) | The valuation was updated XXX, with no evidence the updated valuation was provided to the borrower |  |  |  |  | XXX |  | XXX | 2 B | XXX | OR | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| xxx | 2023010641 | 301624004581 |  | XXX | 301624004581-6543 | XXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX.XX exceeds tolerance of $XXX.XX plus XX% or $XXX.XX. Insufficient or no cure was provided to the borrower. (X) | Ten Percent Fee Tolerance amount of $XXX.XX exceeds tolerance of $XXX.XX. Sufficient cure or changed circumstance was not provided. |  |  |  | Reviewer Comment (XXX): Documentation provided. Exception cleared<br>Seller Comment (XXX): Updated PCCD moving the fee to section C<br>Seller Comment (XXX): PCCD with corrected fee removed from section B<br>Reviewer Comment (XXX): Documentation provided shows the paid to party in Box B as having changed. Fees in Xnd PCCD do not align to borrower totals at consummation. Please provide a PCCD showing the Title- Doc Prep Fee as being removed from section B, and reflected to the correct party in Section C. Or, provide a refund to the borrower, proof of mailing, LOE, and updated PCCD.<br>Seller Comment (XXX): the borrower shopped title services, and the $XXX.XX should have been moved to Box C. The consummation CD generated on XX/XX shows it in B – and it got stuck there because the two Byte fee lines were pointing at the same HUD line #. I have fixed that and the CD I just generated now shows the Processing fee in Box C <br>X. Recording Fee increased by $XX.XX<br> consummation CD disclosed XXX mtg XXX deed with total XXX<br> the final settlement statement says <br> XX deed trust recording<br> XX grant deed recording <br> the recording fee dropped<br> No cure required to be issued per Compliance review see updated PCCD<br>Seller Comment (XXX): Corrected PCCD<br>Reviewer Comment (XXX): Title- Doc Prep fee for $XXX was not listed on the LE under services borrower did not shop for. Recording Fee increased $XX. The increase in fees is $XXX. Please provide a borrower a check in the amount of $XXX a PCCD, copy of the refund check, LOE to the borrower, and proof of mailing.<br>Seller Comment (XXX): FSS and PCCD<br>Seller Comment (XXX): When file was reconciled against the FSS no cure is required see PCCD and FSS | XXX |  | XXX | 1 C A | XXX | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| xxx | 2023010641 | 301624004581 |  | XXX | 301624004581-20080 | XXX | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | There is a $XXX,XXX deposit on bank statement ending XXX that is being used for assets to close that the loan file does not contain source or explanation for. |  |  |  | Reviewer Comment (XXX): documentation provided. Exception cleared<br>Seller Comment (XXX): Please see attached cancelled check and see the divorce decree documents supporting the marital settlement agreement | XXX |  | XXX | 1 C A | XXX | CA | Primary | Purchase | C A | Non QM | Non QM | No |

---

## Exhibit 99.4

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.4**

![](situsamclogo.jpg)

**Rating Agency Grades**

**Run Date - 1/5/2023 11:28:47 AM**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** |
| xxxx | 2023010111 |  |  | XXX | XXX C B A |
| xxxx | 2023010112 |  |  | XXX | XXX C A |
| xxxx | 2023010623 |  |  | XXX | XXX C A |
| xxxx | 2023010640 | xxxx |  | XXX | XXX A B |
| xxxx | 2023010639 | xxxx |  | XXX | XXX A |
| xxxx | 2023010641 | xxxx |  | XXX | XXX C A |

---

## Exhibit 99.5

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.5**

![](situsamclogo.jpg)

**Data Compare Summary (Total)**

**Run Date - 1/5/2023 11:28:49 AM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 3 | 0.00% | 6 |
| Amortization Type | 0 | 3 | 0.00% | 6 |
| Borrower First Name | 0 | 3 | 0.00% | 6 |
| Borrower Last Name | 0 | 6 | 0.00% | 6 |
| Borrower Self-Employed? | 0 | 3 | 0.00% | 6 |
| City | 0 | 6 | 0.00% | 6 |
| Doc Type | 0 | 3 | 0.00% | 6 |
| First Payment Date | 0 | 3 | 0.00% | 6 |
| Interest Only | 0 | 3 | 0.00% | 6 |
| Investor: Qualifying Housing Ratio | 1 | 2 | 50.00% | 6 |
| Investor: Qualifying Total Debt Ratio | 0 | 6 | 0.00% | 6 |
| Lien Position | 0 | 3 | 0.00% | 6 |
| LTV Valuation Value | 0 | 3 | 0.00% | 6 |
| Margin | 0 | 3 | 0.00% | 6 |
| MERS Min Number | 1 | 3 | 33.33% | 6 |
| Note Date | 0 | 6 | 0.00% | 6 |
| Occupancy | 0 | 3 | 0.00% | 6 |
| Original CLTV | 0 | 6 | 0.00% | 6 |
| Original Interest Rate | 0 | 3 | 0.00% | 6 |
| Original Loan Amount | 0 | 6 | 0.00% | 6 |
| Original LTV | 0 | 6 | 0.00% | 6 |
| Original P&I | 0 | 3 | 0.00% | 6 |
| Original Term | 0 | 6 | 0.00% | 6 |
| Originator Loan Designation | 0 | 2 | 0.00% | 6 |
| Prepayment Penalty | 0 | 3 | 0.00% | 6 |
| Property Type | 0 | 6 | 0.00% | 6 |
| Purpose | 0 | 6 | 0.00% | 6 |
| Refi Purpose | 0 | 4 | 0.00% | 6 |
| Representative FICO | 0 | 6 | 0.00% | 6 |
| State | 0 | 6 | 0.00% | 6 |
| Street | 0 | 3 | 0.00% | 6 |
| Zip | 0 | 6 | 0.00% | 6 |
| **Total** | **2** | **134** | **1.49%** | **6** |

---

## Exhibit 99.6

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.6**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third party due diligence provider, performed the review described below on behalf of its client, Angel Oak Real Estate Investment Trust III. The review included a total of 392 newly originated residential mortgage loans, in connection with the securitization identified as AOMT 2023-1 (the "Securitization"). The Review was conducted from June 2021 through December 2022 on mortgage loans originated between March 2021 and July 2022.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (392 loans in total):

Twenty-four (24) loans had a Secondary Appraisal, ninety-three (93) loans had AVMs, and eighty-five (85) loans had Desktop Reviews.

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

One (1) loan had a Second Desk Review, and one (1) loan had a Field Review, all of which supported value.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 392 mortgage loans reviewed, seventy-seven (77) unique mortgage loans (19.64% by loan count) had a total of eighty-seven (87) tape discrepancies across seven (7) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;UW FICO Utilized | &nbsp;&nbsp;48 | &nbsp;&nbsp;55.17% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;11 | &nbsp;&nbsp;12.64% |
| &nbsp;&nbsp;Originator DTI | &nbsp;&nbsp;10 | &nbsp;&nbsp;11.49% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;6.90% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;6.90% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**87** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 257 | $160061459.00 | 65.56% |
| Event Grade B | 135 | $82306134.00 | 34.44% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 392 | $242367593.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 331 | 84.44% |
| Event Grade B | 61 | 15.56% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 392 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 308 | 78.57% |
| Event Grade B | 84 | 21.43% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 392 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 385 | 98.21% |
| Event Grade B | 7 | 1.79% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 392 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception <br> Type | &nbsp;&nbsp;Exception Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Coverage is Not Sufficient | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;DTI Exceeds AUS Maximum Allowable | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Loan Application is Partial | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Employment Verification does not meet guidelines | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Transmittal Summary is Partial | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualifying DTI exceeds Guideline Maximum Allowable | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Loan Application is Missing | &nbsp;&nbsp;4 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Liquid Reserves are less than Guidelines Required | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;Transmittal Summary is Missing | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;Minimum Trade Line Requirement Not Met | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;CoBorrower Employment Verification does not meet guidelines | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;Appraisal date is greater than 120 days from Origination date. | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;Borrower Income Verification is less than 12 months | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Insufficient cash to close. | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Payment shock exceeds lender guidelines | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Residual income does not meet guidelines. | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Borrower 2 Income Verification is less than 12 months | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;Underwriting CLTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;HAZARD INSURANCE CERTIFICATE MISSING | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;OFAC Check was not completed/Cleared. | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower Employment Verification Level is missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Flood Certificate is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Note Document Indicator is Partial | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Liquid Reserves (Dollar Amount) are less than AUS Minimum Required | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;CoBorrower Income Verification does not match Approval | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Property is located in a FEMA disaster area | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Loan is QM and DTI exceeds 43% | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Signed 4506t is missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower residency documentation not provided or issue with documentation | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;HMDA Data Tape Not Provided | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Underwriting FICO does not meet Guideline Minimum Required | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 VVOE is not within 7 days of Note date | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Underwriting LTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Unresolved derogatory credit | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Note Date | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Hazard Insurance Indicator is Partial | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***374*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Liquid Reserves are less than Guidelines Required | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Payment shock exceeds lender guidelines | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Minimum Trade Line Requirement Not Met | &nbsp;&nbsp;5 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Qualifying DTI exceeds Guideline Maximum Allowable | &nbsp;&nbsp;4 |
|  |  | &nbsp;&nbsp;Borrower Employment Verification does not meet guidelines | &nbsp;&nbsp;4 |
|  |  | &nbsp;&nbsp;Underwriting LTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Underwriting CLTV exceeds Guideline Maximum Allowable | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Residual income does not meet guidelines. | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Initial Credit Application is Not Executed | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Note Document Indicator is Partial | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Underwriting FICO does not meet Guideline Minimum Required | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Loan amount is greater than the maximum loan amount allowed per guidelines | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Downpayment source is from an unacceptable source | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Unresolved derogatory credit | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Cash to Borrower Exceeds Maximum Allowable | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***69*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;252 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID Monitor Timing of Disclosures Finding | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)). | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TX Constitution A6 Required Fees Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Security Instrument Indicator is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Reimbursement Date Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Right to Cancel is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Date the Rate Was Set Validation Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Written List of Service Providers Disclosure Date Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Security Instrument Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD Credit Regulations Mortgage Loan DTI Provided Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Mortgage not recorded | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TX Constitution A6 Total Indebtedness Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;The file does not contain a complete copy of the Loan Estimate. Unable to fully test for TRID tolerance. | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Bona Fide Discount Points Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;MI HB 6121 Mortgage Loan Finding | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID Disclosure Delivery and Receipt Date Validation Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID Initial Closing Disclosure Date and Funding Date Validation Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;NC RSHL Qualified Mortgage Points and Fees | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Alert (12 CFR 1026.35(c)(5)). | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;State Defined Home Loan | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Lender NMLS Status is Not Active | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Initial Escrow Account Disclosure is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Reimbursement Amount Validation Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID Initial Closing Disclosure Date and Date Creditor Received Application Validation Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Potential Predatory Loan | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID Initial Loan Estimate Date and Initial Closing Disclosure Date Validation Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Regulation § 1026.43(c)(2)(i) failure - The borrower(s) reasonably expected income or assets was not properly considered. | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID Total of Payments Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Regulation §1026.43(e)(2)(vi) failure - The Qualified Mortgage calculated DTI is greater than 43.00%. | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Home Loan | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;ATR/QM Status is Pending | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Originator NMLS Status is Not Found | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***400*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;80 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Interest Rate Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Finding | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Prepay Amount From Note Does Not Equal Prepay Amount On Final Closing Disclosure | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Right to Cancel Transaction Date is different from the Transaction Date | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Prohibited Fees Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***89*** |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | &nbsp;&nbsp;42 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product not Provided | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;Valuation | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Issues Present | &nbsp;&nbsp;6 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Appraisal guideline violation | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;Third Party AVM to appraised value exceeds 10% allowable variance | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;Is Completion Certificate in file is No | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;UCDP Summary Report is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Origination Appraisal is Partial | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Are all required Addendum and Exhibits in file is Incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Third party AVM Confidence Score is less than 90% | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Valuation Grade (A) Exceptions:*** | &nbsp;&nbsp;***182*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal guideline violation | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Title Issues Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Valuation Grade (B) Exceptions:*** | &nbsp;&nbsp;***7*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

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

---

---

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

---

## Exhibit 99.7

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.7**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception Type** | **ExceptionXXXtegory** | **Exceptions** | **ExceptionXXX** | **ExceptionXXX Date** | **ExceptionXXX Response** | **ExceptionXXX Response Date** | **Compensating Factors** |
| 2023010688 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Regulation §1026.43(e)(2)(vi) failure - The Qualified MortgageXXXlculated DTI is greater than 43.00. | Regulation XXX(e)(X)(vi) - The Qualified MortgageXXXlculated DTI of XXX is greater than XXX (Total Income of XXX and Total Monthly Debt - XXX and Future PITI XXX) Regulation XXX(e)(X)(vi) - The Qualified MortgageXXXlculated DTI of XXX is greater than XXX (Total Income of XXX and Total Monthly Debt - XXX and Future PITI XXX) Regulation XXX(e)(X)(vi) - The Qualified MortgageXXXlculated DTI of XXX is greater than XXX (Total Income of XXX and Total Monthly Debt - XXX and Future PITI XXX) |  |  | Regulation XXX(e)(X)(vi) - The Qualified MortgageXXXlculated DTI of XXX is not greater than XXX (Total Income of XXX and Total Monthly Debt - XXX and Future PITI XXX) Regulation XXX(e)(X)(vi) - The Qualified MortgageXXXlculated DTI of XXX is not greater than XXX (Total Income of XXX and Total Monthly Debt - XXX and Future PITI XXX) Regulation XXX(e)(X)(vi) - The Qualified MortgageXXXlculated DTI of XXX is not greater than XXX (Total Income of XXXX and Total Monthly Debt - XXX and Future PITI XXX) | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 2023010688 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. XXX - AVM information provided. Third Party Valuation , not applicable. Exception cleared. |  |  | Third Party Valuation Product Provided. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 2023010688 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. |  |  | Third Party Valuation Product Provided. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 2023010688 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of - XXX) exceeds the maximum allowable per AUS of XXX XX/X/XX - Subject rental: XX vacancy factor of Rental Income = XXXX x XX vacancy factor = XXXX<br> XXXX - XXX (PITI) = Subject Income - XXXX - Subject Income. XXX states Subj Income - XXXX. <br>Updated XXX needed to include the XX vacancy factor on Subject Property. <br>DTIXXXlculation: <br> XXX - Subj PITI<br> XXX - Primary PITI<br> XXX - Liabilities<br> XXX - REO Income<br> XXX - Base Income<br> XXXX - Subj Income<br>XXX Liabilities / XXXX Income = XXX DTI<br> Need updated XXX and LP to reflect DTI of XXX and subject rental income of XXXX.<br> New PITI XXX, current leases XXXX\*XX vacancy factor =XXXX. (XXX-XXXX=XXXX) |  |  | Updated the Subject Property using the Tax Forms. XXXlculation of XXXX rental income is correct. <br>The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of - XXX) is not greater than the maximum allowable per AUS of XXX | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 2023010690 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Are all required Addendum and Exhibits in file is Incomplete | Lender to provide Required appraisal addendum- This is a NONXXXsh out NOO property refinance page XXX notes occupant as O/O and should be tenant occupied per approval |  |  | Required appraisal addendum and exhibits is Yes XXX - Updated appraisal (showing Tenant Occupant) received. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023010690 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXXXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX |  |  | The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XX XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XX XXX) is not greater than the maximum allowable per AUS of XXX. Utilized X variance allowed. The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XX XXX) exceeds the maximum allowable per AUS of XXX | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023010691 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXXX are greater than the Guideline Minimum of XXXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010691 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXXX are greater than the Guideline Minimum of XXXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010691 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is Greater Than X |  |  | Third Party Valuation Product Provided. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXXX are greater than the Guideline Minimum of XXXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010689 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 2023010689 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 2023010692 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010692 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010207 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ Borrower has significant job time - Borrower has been on job XX years. Borrower has over five years at current residence - Borrowers time at current residence is XX years. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 2023010207 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Loan is Qm and DTI exceeds | Loan is a QM loan and DTI of ___ exceeds maximum of XX. |  |  | QM DTI is less than XX. | XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ Borrower has significant job time - Borrower has been on job XX years. Borrower has over five years at current residence - Borrowers time at current residence is XX years. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 2023010207 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXXX, Monthly debt of XXXX) exceeds the maximum allowable per AUS of XXX | Email received re-reviewed loan and REO properties were not beingXXXlculated properly. Updated theXXXlculation - within guidelines. Exception cleared. | Email received re-reviewed loan and REO properties were not beingXXXlculated properly. Updated theXXXlculation - within guidelines. Exception cleared. | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXXX, Monthly debt of XXXX) exceeds the maximum allowable per AUS of XXX | XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ Borrower has significant job time - Borrower has been on job XX years. Borrower has over five years at current residence - Borrowers time at current residence is XX years. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 2023010207 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower 1 VVOE is not within days of Note date | Borrower X VVOE dated X/XXXX is not within X days of Note date. AUS allows for third party verification to be within XXX days of the Note date which is X/XX/XX. Excepction cleared. | Received updated VOE dated X/XXXX. Business is still valid and within good standing. Exception cleared. | Received updated VOE dated X/XXXX. Business is still valid and within good standing. Exception cleared. | VVOE provided is within X days of Note date. Borrower X VVOE dated X/XXXX is not within X days of Note date. | XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ Borrower has significant job time - Borrower has been on job XX years. Borrower has over five years at current residence - Borrowers time at current residence is XX years. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| 2023010215 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010215 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010208 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Missing | Final loan application is Missing | XXX - Final XXX (dated X/XX/XX) received. Exception cleared. | XXX | Final loan application is Present XXX - Final XXX (dated X/XX/XX) received. Exception cleared. <br> XX/X/XX - Initial XXX (dated X/XX/XX) received. Need final XXX dated X/XX/XX needed. <br> XX/X/XX - Initial XXX (dated X/XX/XX) received. Need final XXX dated X/XX/XX needed. XX/X/XX - Initial XXX (dated X/XX/XX) received. Need final XXX dated X/XX/XX needed. XX/X/XX - Initial XXX (dated X/XX/XX) received. Need final XXX dated X/XX/XX needed. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010208 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Right toXXXncel is Missing | The right toXXXncel is Missing | X/X/XX - Right toXXXncel (dated X/XX/XX) received | X/X/XX - Right toXXXncel (dated X/XX/XX) received | The right toXXXncel is Present XX/X/XX - Right toXXXncel (dated X/XX/XX) received. Exception cleared. XX/X/XX - The right toXXXncel is Missing | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. A |
| 2023010211 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010211 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Missing | Final loan application is Missing X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. <br> XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. X/X/XX - Unexecuted/dated loan applicationXXXs uploaded as a trailing/rebuttal document on XXX. The executed loan application is required. <br> X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. <br> XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. | Received fully executed loan application dated X/XXXX. Exception cleared. <br> X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. <br> XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. X/X/XX - Unexecuted/dated loan applicationXXXs uploaded as a trailing/rebuttal document on XXX. The executed loan application is required. <br> X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. <br> XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. | XXX | Final loan application is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010211 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Noted documentation is required per Appendix Q. Final Application not provided. X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. <br> XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. X/X/XX - Unexecuted/dated loan applicationXXXs uploaded as a trailing/rebuttal document on XXX. The executed loan application is required. <br> X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. <br> XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. | Received fully executed loan application dated X/XXXX. Exception cleared. X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. <br> XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. X/X/XX - Unexecuted/dated loan applicationXXXs uploaded as a trailing/rebuttal document on XXX. The executed loan application is required. <br> X/XX/XX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. <br> XXX - Unexecuted/dated loan application received. Final loan application dated X/XX/XX is needed. | XXX | The exception 'ATR/QM Status is Pending' is cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010209 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010209 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010210 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010210 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010212 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010212 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower residency documentation not provided or issue with documentation | Borrower residency documentation not provided or issue with documentation. XXXPermanent residentXXXrd Please provide valid unexpired greenXXXrd for borrowers, per XXX a copy of the front and back of the greenXXXrd is required for all self employed borrowers. The greenXXXrd must be unexpired through the note date of the loan. | Received Permanent ResidencyXXXrd. Exception cleared. <br> Please provide valid unexpired greenXXXrd for borrowers, perXXX's a copy of the front and back of the greenXXXrd is required for all self employed borrowers. The greenXXXrd must be unexpired through the note date of the loan. | XXX | Borrower residency documentation has been provided and there are no issues with documentation. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010212 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. | Approved Exception for not meeting Min reserves requiremnts of X months. Compensating Factors: Good Credit at XXX Fico, XXM XXX housing payment, X+ yrears delf-employed. | XXX | The liquid reserves of XX months or XXX, is greater than or equal to the Guidelines minimum required of XX or XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010253 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010253 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Residual income does not meet guidelines. | Residual income of XXXXX does not meet minimum guidelines. | Cleared during QC |  | Residual income meets guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Condo Approval Missing | Condo approval indicator is Missing XXXHOA/Condo Cert. Per all condos transactions must have a completed HOA Cert and project approval. | X/XXXX - Received Condo documentation. Documents reviewed, exception cleared. | XXX | Condo approval indicator is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Per XXX - Rent free is not allowed. Borrower had been living with parents rent free for XX yrs per LOX on pg.XXX. Lender did not acknowledge on the Credit Risk Summary and Exception Approval. |  |  | Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. X/XXXX - Received updated CRSE. Client acknowledges: Housing history requirements not met. Rent free is not allowed. Borrower had been living with parents rent free for XX yrs per LOX. Compensating factors - Credit Score XXX Reserves. Acknowledged by Client. Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. X/XXXX - Housing history does not meet guidelines. PerXXX- Rent free is not allowed. Borrower had been living with parents rent free for XX yrs per LOX on pg.XXX. Lender did not acknowledge on the Credit Risk Summary and Exception Approval. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | Change severity of 'Charges ThatXXXnnot Increase Test' from Material to Non-Material. This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). |  |  | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XX,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(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 XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). |  |  | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(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 XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested 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 reimbursementXXXlculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested 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 reimbursementXXXlculations. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan passed the initial loan estimate delivery date test (from application).(XX CFR XXX(e)(X)(iii)(A))The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan passed the initial loan estimate delivery date test (from application).(XX CFR XXX(e)(X)(iii)(A))The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(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 XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XX CFR XXX(e)(X)(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 forXXXrrying 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 X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. |  |  | This loan passed the initial loan estimate delivery date test (from application).(XX CFR XXX(e)(X)(iii)(A))The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(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 XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XX CFR XXX(e)(X)(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 forXXXrrying 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 X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010114 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan passed the homeownership counseling organizations disclosure date test. (XX CFR XXX(a))The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. This loan passed the homeownership counseling organizations disclosure date test. (XX CFR XXX(a))The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (XX CFR XXX(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided) orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. |  |  | This loan passed the homeownership counseling organizations disclosure date test. (XX CFR XXX(a))The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (XX CFR XXX(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided) orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010213 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010213 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010214 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient | Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXXXX. |  |  | Hazard insurance coverage is XXX, the subject loan amount is XXX XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXXXX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010214 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010116 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010116 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010216 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 2023010216 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 2023010118 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Acknowledged Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010118 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010118 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | XXX: Please provide client exception. Min required reserves are X months borrower has XX and the Credit summary does not document an exception approval for this. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXXXX. |  |  | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. XXX - Updated CRSE showing client acknowledged - Reserves: Requirement not met Actual Verified - X We are short reserves by one month. Borrower has excellent credit and mortgage history. Compensating factors - Qualifying credit score is XXX Mortgage and credit history is excellent. Exception acknowledged by client. Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010118 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product in N/A, Loan amt Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. XXX Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D B D A C B D A A A D C D A D C D A D C D A D C D A D C D A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |
| 2023010119 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient | Hazard insurance coverage of XXXXX is not sufficient. The subject loan amount is XXXXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. | X/X/XX - A copy of the replacement cost estimateXXXs provided. Re-reviewed the original insurance policy - Policy states - Additional Replacement CostXXX Coverage - XXX. Exception cleared. &#xXD<br> X/XX/XX - Hazard insurance coverage of XXXXX is not sufficient. The subject loan amount is XXXXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. | XXX | Hazard insurance coverage is XXXXX, the subject loan amount is XXXXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010119 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010126 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010126 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010126 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided. | Per Lender Guidelines, Not Applicable |  |  | Third Party Valuation Product Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010217 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010217 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010127 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010127 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | InsufficientXXXsh to close. | Cash to close in the amount of XXX is greater than the available asset amount of XX. SufficientXXXsh to close is documented.XXXsh to close in the amount of XXX is greater than the available asset amount of XXX. | X/XXX - Received final CD for property - XXX NE XXth Ave #X. Per LOE in file - property #X is aXXXsh-Out Refi (covering costs for closing of property #X). Updating assets to reflect this information - clearing exception. | XXX | SufficientXXXsh to close is documented. SufficientXXXsh to close is documented. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010127 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of - XXX months or - XXX, are less than the Guidelines minimum required of XX or XXX. Net Proceeds from simulatneous loan closing used as reserves but Final CD not provided | X/XXX - Received final CD for property - XXX NE XXth Ave #X. Per LOE in file - property #X is aXXXsh-Out Refi (covering costs for closing of property #X). Updating assets to reflect this information - clearing exception. | XXX | The liquid reserves of XXX months or XXXX, is greater than or equal to the Guidelines minimum required of XX or XXX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010127 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. Per guidelines, XXX not required. CU Score is X. Exception cleared. |  |  | Third Party Valuation Product Provided. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010120 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. Per Lender Guidelines, not applicable. Exception cleared. | Per LendersXXXTPV not required. |  | Per Lender Guidelines, not applicable. Exception cleared.Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010120 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Employment Verification does not meet guidelines | Guidelines for Business Bank Statements state in section XX (pg XX)<br> To be Eligible under the business bank statement program borrowers must have at least XX ownership in the business. Borrower only has XX ownership. | Client provided exception approval. |  | Change severity of 'Borrower Employment Verification does not meet guidelines' from Material to Non-Material. X/X/XX - Credit Risk Summary & Exception Approval received. Client acknowledges - Income: XX Owner. Borrower is XXX owner of business used to qualify and XX of LLC not used. Exception given for below XX ownership. Compensating factors: Credit Score - Qualifying Credit Score is XXX DTI - XXX (housing ratio) or XXX(total) Hosung pymt decrease - Monthly housing payment is changing by - XXX monthly LTV - Qualifying LTV is XXX Payment Shock - Qualifying Payment Shock is XXX Stable Employment History - Borrower with the same Employer/Business for X year. Client acknowledges exception. Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Acknowledged by Client. X/X/XX - Guidelines for Business Bank Statements state in section XX (pg XX)<br> To be Eligible under the business bank statement program borrowers must have at least XX ownership in the business. Borrower only has XX ownership. <br> X/XX/XX - Guidelines for Business Bank Statements state in section XX (pg XX)<br> To be Eligible under the business bank statement program borrowers must have at least XX ownership in the business. Borrower only has XX ownership. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010120 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | XXXInitial CD XXX- Per Disclosure Tracking Summary. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar 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 allXXXlendar 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 allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | X/X/XX - Initial CD dated XX/X/XX received. Updating loan. &#xXD<br> X/XX/XX - XXXInitial CD XXX- Per Disclosure Tracking Summary. | XXX | This loan passed the initial closing disclosure delivery date test.(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010129 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010129 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010218 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Per guidelines, XXX not required. CU Score is X. Excepetion cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per Lender G/L TPV not required |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010218 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010218 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | eSigned Documents Consent is Missing | The eSigned documents consent is Missing. | X/XXXX - Received LOX. Borrower wet signed all documents. eSigned Consent is not applicable. Exception cleared. | XXX | The eSigned documents consent is Not Applicable. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010218 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | The file does not contain a complete copy of the Loan Estimate. Unable to fully test for TRID tolerance. | The file does not contain a complete copy of the Loan Estimate. Unable to fully test for TRID tolerance. | X/XXXX - Received LE dated XXX. Exception cleared. | XXX | The file does contain at least one copy of a Loan Estimate. The file contains a complete copy of at least one Loan Estimate. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010219 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010219 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | XXXCredit Regulations Mortgage Loan DTI Provided Test | This loan failed the DTI provided test. (§XX- XX-XXX, XX-XXX, XX-XXX)<br> The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was not provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability.<br> PLEASE NOTE: This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter X (SB XXX) or Chapter X (HBXXX).<br>See XXXCredit Regulations Repayment Ability Alert (below) for full repayment ability requirements. |  |  | This loan passed the DTI provided test. (XXXSBXXX/HB Md. Code Ann., Com. Law II §XX- XX-XXX, XX-XXX, XX-XXX)<br> The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability.<br> PLEASE NOTE: This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter X (SB XXX) or Chapter X (HBXXX).<br>See XXXCredit Regulations Repayment Ability Alert (below) for full repayment ability requirements. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010220 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Transmittal Summary is Missing | The transmittal summary is Missing | X/XXXX - Final XXX received. Exception cleared. | XXX | The transmittal summary is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010220 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010221 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower 2 Income Verification is less than 12 months | Borrower X Income Verification of XX is less than XX months. NA no income used for BX Borrower X Income Verification of ___ is greater than XX months. Change severity of 'Borrower X Income Verification is less than XX months' from Material to Non-Material. Borrower X Income Verification of XX is less than XX months. Not using income for Co Borrower |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010222 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010222 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010223 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Employment Verification does not meet guidelines | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Acknowledged by Client. Change severity of 'Borrower Employment Verification does not meet guidelines' from Material to Non-Material. corrected Lender approved X year X months employment citing reserves of XXX months, residual income of XXX per month, and a decrease in the payment of XXX | Client provided exception approval. |  | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Acknowledged by Client. Change severity of 'Borrower Employment Verification does not meet guidelines' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010223 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010224 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010224 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010225 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party AVM to appraised value exceeds allowable variance | Third party AVM value of XXXX with a variance of XXX exceeds XX allowable variance. AVM has confidence score of XX. Require additional valuation to support origination value used. | Secondary Product Provided | XXX | Exception resolved | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010225 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010225 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Residual income does not meet guidelines. | Residual income of XXXX does not meet minimum guidelines. | Received CRSE |  | Residual income meets guidelines. X/XXXX - Received CRSE. CRSE does not provide client acknowledgment of Residual Income not meetingXXX Requirements. Please provide full acknowledgment on the CRSE (in the Exception Logging section) to resolve the exception. <br> Residual income of XXXX does not meet minimum guidelines. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010225 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided | Third Party Valuation Product Not Provided and CU Score is XX. |  |  | Third Party Valuation Product Provided. Per guidelines, TPV not required. LTV <XX. Exception cleared. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010226 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client. Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. Lender approved short reserves citing residual income of XX,XXX per month and the LTV XX below the program max. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. | Client provided exception approval |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010226 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010227 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010227 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010228 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010228 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010229 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010229 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010315 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010315 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010315 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | 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 reimbursementXXXlculations. | Received PCCD w/ letter, Refund Check in the amount of XX. Updating loan accordingly. | XXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010315 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). Tolerance violation due to an increase in the appraisal fee from XXX to XXX without a valid COC in file. | Received PCCD w/ letter, Refund Check in the amount of XX. Updating loan accordingly. Tolerance violation due to an increase in the appraisal fee from XXX to XXX without a valid COC in file. | XXX | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010315 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | Received PCCD w/ letter, Refund Check in the amount of XX. Updating loan accordingly. | XXX | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010271 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010271 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The incomeXXXlclation sheet indicates the expiration date of the income is Feb Xst, XXX. The most recent XXX and the loan closed X/XXXX |  |  | The borrower income verification does match approval | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010289 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010289 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client.<br> Lender approved the payment shock exception because the property was owned XXX. Compensating factors are XXX DTI, XX months reserves and XXX residual monthly income. Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. |  |  | Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010289 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TX Constitution A6 Required Fees Test | This loan failed the required fees test. (Texas Constitution, Article XX, Section XX (a)(X)(E) &amp (t)(X), asXXX. XXX)The loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed X of the original principal amount, excluding fees for:An appraisal performed by a third party appraiserA property survey performed by a state registered or licensed surveyorA state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. | Updated the discount points to XXXFide - exception cleared. | Updated the discount points to XXXFide - exception cleared. | This loan passed the required fees test. (Texas Constitution, Article XX, Section XX (a)(X)(E) &amp (t)(X), asXXX. XXX)The loan requires the borrower(s) to pay, in addition to interest or any XXXfide discount points used to buy down the interest rate, any fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that do not exceed X of the original principal amount, excluding fees for:An appraisal performed by a third party appraiserA property survey performed by a state registered or licensed surveyorA state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. Updated the discount points to XXXFide - exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010230 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010230 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010231 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010231 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010232 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third party AVM Confidence Score is less than XXX | Third party AVM Confidence Score of XXX is less than XX. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010232 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010232 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010232 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. |  |  | Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010233 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010233 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010234 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010234 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010235 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. | Per LenderXXXTPV not required |  | Per Lender Guidelines, not applicable loan amount is less than XXX and FHLMC is Eligible. Exception cleared. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010235 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010235 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010236 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010236 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010237 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Per guidlines, XXX not required. CU Score is X. Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per Lender G/L TPV not required |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010237 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010237 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010243 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Is Completion Certificate in file is No | The appraisalXXXs completed "Subject To" however, the file is XXXthe Completion Certificate. | Received Appraisal Update/Completion Report dated X/XXXX. Exception cleared. | Received Appraisal Update/Completion Report dated X/XXXX. Exception cleared. | The Completion Certificate is Yes | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010243 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Residual income does not meet guidelines. | Approved Exception for Residual Income <XXXX required by Guidelines, Residual income is slightly under XXXX. Great loan with X Compensating factors: Credit score is XXX, DTI XXX, Bwr with the same employment for XX years, Payment shock is X. Verified reserves are XX and LTV is XXX. Change severity of 'Residual income does not meet guidelines.' from Material to Non-Material. Change status of 'Residual income does not meet guidelines.' from Active to Acknowledged by Client. There was an exception for the residual income being X,XXX. The guidelines require X,XXX. The original underwriter used the following compensating factors:<br> X. Credit score of XXX<br> X. Borrower same employment for XX years<br> X. LTV is XXX<br> X. Payment shoch is .XXX<br> X. The debt ratio of XXX is lower than the guidelines - XX. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010243 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010238 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per LenderXXXTPV not required |  | Per Lender Guidelines, not applicable loan amount is less than XXX and CU score is XX. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010238 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010238 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Mortgage not recorded | No evidence Mortgage is recorded or sent for recording. |  |  | Mortgage is recorded | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010244 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. Exception reviewed and meets guidelines requirements. Cleared. |  |  | Per Lender Guidelines, not applicable loan amount is less than XXX andXXXsh out is less than XXX. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010244 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010244 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010132 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010132 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010245 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per LenderXXXTPV not required |  | Per Lender Guidelines, not applicable loan amount is less than XXX and CU score is X. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010245 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010245 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | Recording Fees increased from XXX to XXX on final Closing Disclosure, No COC in file or proof a refundXXXs issued | Received PCCD |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010245 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | Recording Fees increased from XXX to XXX on final Closing Disclosure, No COC in file or proof a refundXXXs issued | Received PCCD |  | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010245 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | Recording Fees increased from XXX to XXX on final Closing Disclosure, No COC in file or proof a refundXXXs issued | Received PCCD |  | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010245 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Date Test | This loan failed the reimbursement date test. (XX CFR XXX(f)(X)(v))The reimbursement date is more than XXXXlendar days after the consummation date, or closing / settlement date if no consummation dateXXXs provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. | Received PCCD |  | This loan passed the reimbursement date test. (XX CFR XXX(f)(X)(v))The reimbursement date is not more than XXXXlendar days after the consummation date, or closing / settlement date if no consummation dateXXXs provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010254 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010254 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010239 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010239 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010240 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &Relief is Not Eligible. |  |  | Per Lender Guidelines, not applicable loan amount is less than XXX and CU score is X. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010240 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Lender requested and received a guideline exception for payment shock that exceeded max allowed XXX. Borrower is a XXX so the max allowed should be limited to XXX per guidelines. Need an updated CRS&EA reflecting the correct more conservative max limit is still an acceptable risk. Compensating factors shown for original granted exception are: qualifying credit score of XX months of reserves, residual income of and a qualifying LTV of XXX. Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. ExceptionXXXs granted for this issue | Client provided exception approval. |  | Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material. Client provided guideline exception allowing for payment shock based on XXX FICO, XX months reserves, residual income of XXX and XXX LTV. Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010240 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010241 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010241 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010246 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | The replacement cost of the dwelling per the appraiser is XXX. Hazard coverage of XXX,XXX is sufficient. Exception cleared. Hazard insurance coverage of XXXXXX is not sufficent. The subject loan amount is XXXXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. |  |  | Hazard insurance coverage is sufficient. The replacement cost of the dwelling per the appraiser is XXX. Hazard coverage of XXX,XXX is sufficient. Exception cleared. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. C A |
| 2023010246 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Borrower does not own a primary residence. Borrower currently rent her primary residence. Housing delinquency meets guidelines. |  |  | Housing delinquency meets guidelines. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. C A |
| 2023010246 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. C A |
| 2023010139 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010139 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010139 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided | Third Party Valuation Product Not Provided and CU Score is XX. | Received CDA - updated loan accordingly. Third Party Valuation Product Provided. | Received CDA - updated loan accordingly. Third Party Valuation Product Provided. | Received CDA - updated loan accordingly. Third Party Valuation Product Provided. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010249 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A C |
| 2023010249 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines.<br> Guidelines require XXX. Mortgage statement on page XX is for borrower's current primary residence. Mortgage statement shows a monthly payment of X,XXX. However, statement dated XX/XX/ shows a total due of X,XXX. Housing history does not cover XX months. Housing history does not meet guidelines. | X/XXX - Received LOX. Per guidelines on a Portfolio Select program - XX months of Housing History is required. Confirmed - XX months of housing history received. As for the amount state irrelevant. Exception cleared. | XXX | Housing delinquency meets guidelines. X/XXXX - Guidelines are XXX. Housing history does not match approval. Only XX months of housing history is in file. Additionally, borrower states mortgage payment had been XXX monthly with SLS. SLS is not on credit report. There is no proof of the payment amount to SLS. Or the status of that loan prior to the refinance on borrower's refinance of primary residence on X/XXXX. Guidelines are XXX. Housing history does not match approval. Only XX months of housing history is in file. Additionally, borrower states mortgage payment had been XXX monthly with SLS. SLS is not on credit report. There is no proof of the payment amount to SLS. Or the status of that loan prior to the refinance on borrower's refinance of primary residence on X/XXXX. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A C |
| 2023010249 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product is required as XXX Collateral Rep & Warrant Relief is Not Eligible and loan amount is greater than XXX,XXX. |  |  | Third Party Valuation Product Provided. Per guidelines, TPV not required. CU Score is X. Exception cleared. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A C |
| 2023010249 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. Third Party Valuation Product Provided |  |  | Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A C |
| 2023010255 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XX. A |
| 2023010255 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XX. A |
| 2023010135 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per LenderXXXTPV not required |  | Per Lender Guidelines, not applicable. CU score is X. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010135 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | The exceptionXXXiving the reserve requirement is on page XXX. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXXXX. | Client provided exception approval |  | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client. Client provided guideline exception allowing for zero reserves based on XXX FICO, XXXXX DTI, Borrower in same business for XX years, XX,XXX in residual income and XXX - last XX months. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010135 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | CDs dated X/XXXX and X/XXXX provided. Updating loan accordingly. <br> Received COC and CD dated X/XXXX. No changes in the Broker amount being increased. Exception remains. |  | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). The loan failed due to CD's X/XXXX and X/XXXfrom the loan file. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Xrd party valuation is required per guidelines as CU score is higher than X. |  |  | Third Party Valuation Product Provided. Per guidelines, second appraisal required and in file. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Provided. Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. X/XXX - Second appraisal provided. TPV not required. Exception cleared. Per guidelines, second appraisal required and in file. Exception cleared. Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | CDs dated X/XXXX and X/XXXX provided. Updating loan accordingly. <br> Received COC and CD dated X/XXXX. No changes in the Broker amount being increased. Exception remains. |  | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. |  |  | Third Party Valuation Product Provided. Per guidelines, second appraisal required and in file. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test |  |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | The principal and interest payment on the Final Closing Disclosure does not match the original principal and interest payment payment (XXX) on the Note. |  |  | Original PI Payment on Note matches Final CD | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | High-Cost Mortgage Date the Rate Was Set Validation Test | This loan failed the date the rate was set validation test. (XX CFR XXX(X)(i)(A), (C))This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. |  |  | This compliance test 'High-Cost Mortgage Date the Rate Was Set Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010146 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | 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 reimbursementXXXlculations. | Received COC and CD dated X/XXXX. No changes in the Broker amount being increased. Exception remains.<br> CDs dated X/XXXX and X/XXXX provided. Updating loan accordingly. |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010256 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010256 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010250 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided | Third Party Valuation Product Not Provided and CU Score is XX. | Secondary Product Provided | XXX | Exception resolved | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010250 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010250 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010250 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Title Issues Present | The following issues were noted: Exhibit A reflects XX acres and appraisal reflects XXX acres. The title does not indicate if the full XXX acres, which includes X tracts, are covered in the committment | Received LOX confirming - Lender Policy covered both Tracts. | Received LOX confirming - Lender Policy covered both Tracts. | X/XXX - Received LOX confirming - Lender Policy covered both Tracts. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010257 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial |  |  | Borrower liabilities verified indicator is Present Client provided a guideline exception allowing for minimum trade line exception, borrower has X tradeline with XX month history, received XX month rental history. Borrower with same employer X years. Verified reserves XXX months, XXX/XX months, Qualifying LTV XX. Change severity of 'Borrower Liabilities Verification Indicator is Partial' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010257 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010251 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower 2 Income Verification is less than 12 months | CoBorrower X Income Verification of XX is less than XX months. Cbwr's income is stated as X. However, no employer info is listed. |  | XXX | Co-Bwr is not employed. Cbwr has income stated as X. No Employer verification of income verification in the file. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010251 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | CoBorrower Income Verification does not match Approval | The coborrower income verification does not match approval. Cbwrs income is marked as X. No income source or verification in the file. |  | XXX | The coborrower income verification does match approval Cbwr has income stated as X. No Employer verification of income verification in the file. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010251 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | CoBorrower Employment Verification does not meet guidelines | Cbwrs income is marked as X. No income source or verification in the file. | X/XXX - The Co-Bwr is not employed. The XX income amount listed on the final XXX is a formality and should not be included. Exception cleared. | XXX | Co-Bwr is not employed. Cbwr has income stated as X. No Employer verification of income verification in the file. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010251 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010147 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010147 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010141 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days | Escrow account established, and appraisal receipt acknowledged within X days |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010141 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | NC RSHL Qualified Mortgage Points and Fees | This loan has points and fees that exceed the points and fees threshold. (NC GS §XX-XF(bX) , XX CFR XXX(e)(X))The loan amount is XXX or more, and the transaction's total points and fees are XX,XXX, which exceeds X percent of the total loan amount of XXXThe loan amount is less than XXX but at least XX, and the transaction's total points and fees are XX,XXX, which exceeds X,XXXThe loan amount is less than XX,XXX but at least XX, and the transaction's total points and fees are XX,XXX, which exceeds X percent of the total loan amount of XXXThe loan amount is less than XX,XXX but at least XX, and the transaction's total points and fees are XX,XXX, which exceeds X,XXX orThe loan amount is less than XX, and the transaction's total points and fees are XX,XXX, which exceeds X percent of the total loan amount of XXX. | Loan is Exempt based on loan amount | XXX |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010141 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. |  |  | Third Party Valuation Product Provided Third Party Valuation Product Provided | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010316 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Active | Compliance | Interest Rate Test |  |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of X. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010316 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of X. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010316 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of X. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010316 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Regulation § 1026.43(c)(2)(i) failure - The borrower(s) reasonably expected income or assets was not properly considered. | The borrower(s) reasonably expected income or assets was not properly considered. |  |  | error | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of X. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010148 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010148 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010317 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Change status of 'Overdraft/NSF Count Exceeds Tolerance' from Active to Acknowledged by Client.<br> Client provided guidelines exception allowing for XX NSF's in XX months based on qualifying FICO score of XXXXX DTI, XX years employment stability, monthly housing payment changing by - XXXX monthly, XX months verified reserves , residual income of XXX and XXX LTV. Change severity of 'Overdraft/NSF Count Exceeds Tolerance' from Material to Non-Material. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010317 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010317 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010385 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010385 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010154 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Note Document Indicator is Partial | Note document indicator is Partial. Note amount exceeds guideline limit. | Client provided exception approval |  | Change severity of 'Note Document Indicator is Partial' from Material to Non-Material. Change status of 'Note Document Indicator is Partial' from Active to Acknowledged by Client.<br> Client provided guideline exception allowing for loan amount of X, XXX based on XXX FICO, XXXXX DTI, Borrower in business XX years, verfied reserves of XX months, residual income of XX,XXX and XXX in last XX months. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010154 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Downpayment source is from an unacceptable source | Downpayment source is from an acceptable source. Downpayment source is from an unacceptable source. Exception granted forXXXsh out amount,XXXsh out exceeds X million. Please see Credit Risk Summary & Exception for more info on Pg XXX | Client provided exception approval |  | Change severity of 'Downpayment source is from an unacceptable source' from Material to Non-Material. Change status of 'Downpayment source is from an unacceptable source' from Active to Acknowledged by Client.<br> Change status of 'Note Document Indicator is Partial' from Active to Acknowledged by Client.<br> Client provided guideline exception allowing forXXXsh out of X, XXX based on XXX FICO, XXXXX DTI, Borrower in business XX years, verfied reserves of XX months, residual income of XX,XXX and XXX in last XX months. Downpayment source is from an unacceptable source. XXXsh out exceeds guideline limit. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010154 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | Per Disclosure Tracking Summary, XXXinitial CD dated X/XX/XX. |  |  | This loan passed the initial closing disclosure delivery date test.(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. The loan file is XXXthe initial CD issued X/XX/ per the disclosure tracker the CD was issued to the borrower electronically. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010154 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient | Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of ___. Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXXXXX. Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXXXXX. |  |  | Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXXXXX. Hazard insurance coverage is sufficient. The replacement cost of the dwelling is X,XXX per the appraiser. Insurance coverage of X, XXX is sufficient to satisfy the loan requirements. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010154 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. Per Lender Guidelines, not applicable. Second appraisal in file. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010154 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. |  |  | Third Party Valuation Product Provided. Per Lender Guidelines, not applicable. Second appraisal in file. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010154 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. |  |  | Third Party Valuation Product Provided. Per Lender Guidelines, not applicable. Second appraisal in file. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010155 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar 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 allXXXlendar 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 allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | Initial CD dated X/XXXX received. Documentation showing borrower reviewed/received CD on X/XXXX | Initial CD dated X/XXXX received. Documentation showing borrower reviewed/received CD on X/XXXX | This loan passed the initial closing disclosure delivery date test.(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. Need evidence borrower received CD X days prior to consummation date XXX. XXXInitial CD. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010155 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | 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 reimbursementXXXlculations. | Initial CD dated X/XXXX received. Documentation showing borrower reviewed/received CD on X/XXXX | Initial CD dated X/XXXX received. Documentation showing borrower reviewed/received CD on X/XXXX | This compliance test 'Reimbursement Amount Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010155 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | 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 reimbursementXXXlculations. | Initial CD dated X/XXXX received. Documentation showing borrower reviewed/received CD on X/XXXX | Initial CD dated X/XXXX received. Documentation showing borrower reviewed/received CD on X/XXXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010155 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | Initial CD dated X/XXXX received. Documentation showing borrower reviewed/received CD on X/XXXX | Initial CD dated X/XXXX received. Documentation showing borrower reviewed/received CD on X/XXXX | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010155 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Indicator is Partial | The hazard and windstorm coverage are written with the subject property as a primary residence, and this is a second home. That error should be corrected, as it may affect the enforceability of the hazard policy. Hazard insurance indicator is Partial |  |  | Hazard insurance indicator is Present. Update. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010155 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. The state ofXXXorida enacted a statute effective XXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception cleared. |  |  | Hazard insurance coverage is sufficient. The state ofXXXorida enacted a statute effective XXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010259 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. C A |
| 2023010259 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | The updated credit report shows X months of payment history. Prior to purchasing the subject property, the borrower rented. There is no VOR in file for the rental prior to the purchase, and no exception approved for the housing history of less than XX months. XXX months housing history. The TPR INV Portfolio guidelines, housing history XX states XX months housing history required for bank statments loans. | Updated CRSE provided. Client acknowledges Housing History. Guidelines - XX months Actual XX months (or X by CR) Rationale - Cr= X mos, but is actually X mos pd. Bought X/XX, no pymt in May, Jun-Dec XXX on CR, mtg stmts in file forXXX & Feb XXX so XX mos verified. Compensating Factors: Qualifying Credit Score is XXX XXX (Housing Ratio) or XXX (Total) Borrower with same Employer/Business for X years Monthly housing payment payment is changing by - XXXX monthly Qualifying Payment Shock is XXX Verified Reserves are XX Residual Income of XXX Qualifying LTV is XX. Acknowledged by client. | Updated CRSE provided. Client acknowledges Housing History. Guidelines - XX months Actual XX months (or X by CR) Rationale - Cr= X mos, but is actually X mos pd. Bought X/XX, no pymt in May, Jun-Dec XXX on CR, mtg stmts in file forXXX & Feb XXX so XX mos verified. Compensating Factors: Qualifying Credit Score is XXX XXX (Housing Ratio) or XXX (Total) Borrower with same Employer/Business for X years Monthly housing payment payment is changing by - XXXX monthly Qualifying Payment Shock is XXX Verified Reserves are XX Residual Income of XXX Qualifying LTV is XX. Acknowledged by client. | Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.<br> Updated CRSE provided. Client acknowledges Housing History. Guidelines - XX months Actual XX months (or X by CR) Rationale - Cr= X mos, but is actually X mos pd. Bought X/XX, no pymt in May, Jun-Dec XXX on CR, mtg stmts in file forXXX & Feb XXX so XX mos verified. Compensating Factors: Qualifying Credit Score is XXX XXX (Housing Ratio) or XXX (Total) Borrower with same Employer/Business for X years Monthly housing payment payment is changing by - XXXX monthly Qualifying Payment Shock is XXX Verified Reserves are XX Residual Income of XXX Qualifying LTV is XX. Acknowledged by client. Received CRSE, not exceptions listed. The updated credit report shows X months of payment history. Prior to purchasing the subject property, the borrower rented. There is no VOR in file for the rental prior to the purchase, and no exception approved for the housing history of less than XX months. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. C A |
| 2023010386 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Originator NMLS Status is Not Found | The originator organization and originator per the NMLS website company name shows XXX , per the Note/CD/XXX/Final the mortgage originator organization name is XXX . Please provide evidence companies are one in the same or dba. |  |  | The originator NMLS status is Active | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010260 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010260 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010261 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010261 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010290 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010290 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to: The initial Closing Disclosure dated XXX is XXXfrom the loan file. | Received COC and CD dated XXX. Updating loan accordingly. | Received COC and CD dated XXX. Updating loan accordingly. | This loan passed the initial closing disclosure delivery date test.(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010291 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.X | AVM ordered but not in file. Third Party Valuation Product Not Provided and CU Score is XX. | Secondary Product Provided | XXX | Exception resolved | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010291 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010291 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Is Completion Certificate in file is No | The appraisalXXXs completed "Subject To" however, the file is XXXthe Completion Certificate. | Received Appraisal Update and/or Completion Report dated XXX. Exception cleared. | Received Appraisal Update and/or Completion Report dated XXX. Exception cleared. | The Completion Certificate is Yes | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010262 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010262 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010263 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010263 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010263 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010264 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010264 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010252 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010252 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010150 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010150 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010272 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Secondary Product Provided | XXX | Exception resolved | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010272 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010272 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010273 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX XXX. Credit Risk Summary states Reserves as XX months,XXX's require X Months, Final CD (Xst pg) statesXXXsh to close as XXX,X XXX with verified assets as XXX. | Received updated CRSE. Client acknowledges: Assets-Reserves. Guidelines - X mos Actual XX mos. Rationale - System error at time of final approval. Counted payoff to installment loan twice resulting in low reserves at funding. Compensating Factors: Qualifying Credit Score is XXX Borrower with same employer/business for XX years Residual income of XXX. Acknowledged by client. | Received updated CRSE. Client acknowledges: Assets-Reserves. Guidelines - X mos Actual XX mos. Rationale - System error at time of final approval. Counted payoff to installment loan twice resulting in low reserves at funding. Compensating Factors: Qualifying Credit Score is XXX Borrower with same employer/business for XX years Residual income of XXX. Acknowledged by client. | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.<br> Received updated CRSE. Client acknowledges: Assets-Reserves. Guidelines - X mos Actual XX mos. Rationale - System error at time of final approval. Counted payoff to installment loan twice resulting in low reserves at funding. Compensating factors: Qualifying Credit Score is XXX Borrower with same employer/business for XX years Residual income of XXX. Acknowledged by client. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D C A |
| 2023010273 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D C A |
| 2023010274 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010274 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010151 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of - XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010151 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of - XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010151 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. |  |  | Received AVM - updating loan accordingly. Third Party Valuation Product Provided. Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of - XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010151 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. |  |  | Third Party Valuation Product Provided. Received AVM - updating loan accordingly. Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of - XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010265 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010265 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Payment shock exceeds lender guidelines | Payment shock of X XXX exceeds the lender guidelines tolerance for payment shock. Per Guidelines, XXX Payment shock is Max of XXX for Bank Statement Program. |  |  | Payment shock of X XXX does not exceed the lender guidelines tolerance for payment shock. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010292 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010292 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010266 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010266 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010318 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval Lender QuickXXXlc income expired XXX. File closing date is XXX. | Received LOX - Business XXXlculation. XXXX XXXs used - XXXlculation expires at the end of XXX. Exception cleared. Lender QuickXXXlc income expired XXX. File closing date is XXX. | XXX | The borrower income verification does match approval | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010318 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010318 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. | Change status of 'Overdraft/NSF Count Exceeds Tolerance' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for X NSF in the past XX months based on FICO DTI XXX, BR same business XX years. | XXX |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010318 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010167 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010167 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for less than X months reserves based on FICO XX years employment, residual income XXX. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XXXXX or XXX. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010275 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010275 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010275 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Per guidelines, XXX not required. Loan amount Third Party Valuation Product Provided. Received AVM with value of XXX,XXX and confidence score of XX XXX Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. D B D A A A D A C B D A D C D A D C D A D C D A D C D A D C B A A B B A A B B A A B B A A B B A A B |  |  |  |  |  |
| 2023010275 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Per guidelines, XXX not required. Loan amount Third Party Valuation Product Provided. XXX Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. D B D A A A D A C B D A D C D A D C D A D C D A D C D A D C B A A B B A A B B A A B B A A B B A A B |  |  |  |  |  |
| 2023010165 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010165 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Flood Certificate is Missing | TheXXXood certification is Missing | Received copy of XXX XXX XXX. Reviewed and verified the information. Exception cleared. | Received copy of XXX XXX XXX. Reviewed and verified the information. Exception cleared. | TheXXXood certification is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010158 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010158 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010276 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010276 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010277 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010277 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010277 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. Third Party Valuation Product Not Provided and CU Score is XX. |  |  | Third Party Valuation Product Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010277 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010277 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product Provided. Update Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. |  |  | Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010293 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010293 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010267 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010267 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010267 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010268 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010268 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010294 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party AVM to appraised value exceeds allowable variance | AVM variance is XX less than appraised value Appraisal value is X, XXX and AVM value is X, XXX. Variance exceeded allowable maxium. | Secondary Product Provided | XXX | Exception resolved | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010294 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010278 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010278 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Appraisal date is greater than 120 days from Origination date. | Funding delay. Field review done X/XXXX to reaffirm value Appraisal Update and/or Completion Report dated X/XX/XX on pgXXX of the loan file<br> Appraisal dated X/XXXX is greater than XXX days from Note date of X/XXXX. | Received PCCD letter, PCCD dated X/XX/ and copy of Refund Check in the amount of XXX. Updating loan accordingly. | Received PCCD letter, PCCD dated X/XX/ and copy of Refund Check in the amount of XXX. Updating loan accordingly. | Appraisal date is within XXX days of Note date. Received copy of CDA to reaffirm the property's value. Updating loan accordingly. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Cash to Borrower Exceeds Maximum Allowable | Cash to borrower exceeds maximum allowable. Guideline maximum amount to borrower is: Change status of 'Cash to Borrower Exceeds Maximum Allowable' from Active to Acknowledged by Client.<br>Borrower paidXXXsh for property due to delayed financing. XXXsh out exceeding maximum is approved to reimburse the purchase price. Lender cited XXX FICO, XXX mos reserves, XXX DTI and XX,XXX/mo residual income as compensating factors. |  |  | Change severity of 'Cash to Borrower Exceeds Maximum Allowable' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXXXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided. The replacement cost of theXXX is X, XXX per the appraisal. The insurance coverage of XXXXXn be extended by XX, to a total of XXX which is not sufficient to cover the replacement cost. | Received copy of RCD showing Estimated Reconstruction Cost as XXX. Exception cleared. | Received copy of RCD showing Estimated Reconstruction Cost as XXX. Exception cleared. | Hazard insurance coverage is sufficient. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | The principal and interest payment on the Final Closing Disclosure does not match the original principal and interest payment payment (XXX) on the Note.<br> From Hard Coded form in template:<br> 'Closing Disclosure' at X/XXXX Original PI Payment on Note matches Final CD The principal and interest payment on the Final Closing Disclosure does not match the original principal and interest payment payment (XXX) on the Note. |  |  | Original PI Payment on Note matches Final CD The principal and interest payment on the Final Closing Disclosure does not match the original principal and interest payment payment (XXX) on the Note. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | The revised closing disclosure delivery date test (waiting period required) does not apply to this loan. (XX CFR XXX(f)(X)(iv))If the consumer determines that the extension of credit is needed to meet a XXXfide personal financial emergency, the consumer may modify or waive the three-business-day waiting period for the revised closing disclosure. The loan has marked the "Waiver Box - Revised Closing Disclosure X-Day Waiting Period" checkbox indicating that the consumer has modified or waived the three-business-day waiting period, after receiving the revised closing disclosure. By checking the checkbox, the user certifies that the other requirements to waive or modify the waiting period have been met.PLEASE NOTE: Regulation Z requires that to modify or waive the waiting period, the consumer shall give the creditor a dated written statement that describes the emergency, specifically modifies or waives the waiting period, and bears the signature of all the consumers who are primarily liable on the legal obligation. Printed forms for this purpose are prohibited. This loan passed the revised closing disclosure delivery date test (waiting period required).(XX CFR XXX(f)(X)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the revised closing disclosure delivery date is not less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the revised closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is not less than three business days (counting allXXXlendar 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.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under XXX becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of XXX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under XXX(o)(X) becomes inaccurate, as defined in XXX.(B) The loan product is changed,XXXusing the information disclosed under XXX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added,XXXusing the statement regarding a prepayment penalty required under XXX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under XXX no later than three business days before consummation. This loan failed the revised closing disclosure delivery date test (waiting period required).(XX CFR XXX(f)(X)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the revised closing disclosure delivery date is less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the revised closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting allXXXlendar 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.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under XXX becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of XXX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under XXX(o)(X) becomes inaccurate, as defined in XXX.(B) The loan product is changed,XXXusing the information disclosed under XXX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added,XXXusing the statement regarding a prepayment penalty required under XXX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under XXX no later than three business days before consummation. |  |  | The revised closing disclosure delivery date test (waiting period required) does not apply to this loan. (XX CFR XXX(f)(X)(iv))If the consumer determines that the extension of credit is needed to meet a XXXfide personal financial emergency, the consumer may modify or waive the three-business-day waiting period for the revised closing disclosure. The loan has marked the "Waiver Box - Revised Closing Disclosure X-Day Waiting Period" checkbox indicating that the consumer has modified or waived the three-business-day waiting period, after receiving the revised closing disclosure. By checking the checkbox, the user certifies that the other requirements to waive or modify the waiting period have been met.PLEASE NOTE: Regulation Z requires that to modify or waive the waiting period, the consumer shall give the creditor a dated written statement that describes the emergency, specifically modifies or waives the waiting period, and bears the signature of all the consumers who are primarily liable on the legal obligation. Printed forms for this purpose are prohibited. This loan failed the revised closing disclosure delivery date test (waiting period required).(XX CFR XXX(f)(X)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the revised closing disclosure delivery date is less than six business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the revised closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting allXXXlendar 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.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under XXX becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of XXX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under XXX(o)(X) becomes inaccurate, as defined in XXX.(B) The loan product is changed,XXXusing the information disclosed under XXX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added,XXXusing the statement regarding a prepayment penalty required under XXX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested 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 reimbursementXXXlculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested 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 reimbursementXXXlculations. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). The loan failed the revised cd timing waiting period due to the loan terms changing on the revised CD issued X/XXXX. Therefore, a new X day wiaiting period is required. |  |  | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010279 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010295 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010295 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010280 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010280 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.X | Third Party Valuation Product Not Provided and CU Score is XX. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010280 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material. Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for payment shock percentage over XXX based on the coborrower having previous mortgage history of XXX,XXX in XXX XXX for XX months with an estimated payment at XXX/mo resulting in a payment shock of XXX |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010280 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010280 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010281 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010281 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party AVM to appraised value exceeds allowable variance | Third party AVM value of XXX with a variance of - XXX exceeds XX allowable variance. | Secondary Product Provided | XXX | Exception resolved | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010282 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines |  |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010282 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010282 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. XXXX and XXX XXX bank statements. | Received business XXX XXX and XXX XXX. Lender also provided updated QuickXXXlc form and XXX reflecting higher income based on correct deposits found on XXX.<br> XXX - Received updated CRSE showing Income Amount to be XXXXX. Exception cleared. |  | The borrower income verification does match approval Received updated CRSE showing Income Amount to be XXXXX. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010296 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Missing | Final loan application is Missing | Received signed copy of the final XXX dated XXX. Exception cleared. Final loan application is Missing | XXX | Final loan application is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010296 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | XXXX months mortgage history on current primary residencce, only X months reporting per the credit reports in file. | Received copies of bank statements showing full rental payments for at least XX months. Exception cleared. | XXX | Housing delinquency meets guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010296 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar 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 allXXXlendar 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 allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. Per Disclosure Tracking Summary, XXXinitial CD dated X/X/XX. | Change status of 'Initial Closing Disclosure Delivery Date Test' from Active to OpenXXX.<br> Received copy of initial Closing Disclosure dated XXX. Updating loan accordingly. Per Disclosure Tracking Summary, XXXinitial CD dated X/X/XX. | XXX | This loan passed the initial closing disclosure delivery date test.(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010173 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Origination Appraisal is Partial | Origination Appraisal is Partial. | Received Email from client - re-reviewed the appraisal and do not see any issues. Exception cleared. | Received Email from client - re-reviewed the appraisal and do not see any issues. Exception cleared. | Origination appraisal is Present. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010173 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | CPA letter insufficient and XXXlength of business ownership. Lender to provide CPA letter with both ownership details and length of business. | Per guidelines, CPA letter is not required if additional business search deocumentation is provided. Reviewed - LLC documentation is provided. Exception cleared. | Per guidelines, CPA letter is not required if additional business search deocumentation is provided. Reviewed - LLC documentation is provided. Exception cleared. | Per guidelines, CPA letter is not required if additional business search documenation is provided. Reviewed - LLC documentation is provided. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010173 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010397 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010397 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010283 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Change status of 'Higher-Priced Mortgage Loan' from Active to Revoked.<br> Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010283 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010283 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | 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 reimbursementXXXlculations. This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested 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 reimbursementXXXlculations. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010283 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XX CFR XXX(e)(X)(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 forXXXrrying 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 X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan passed the initial loan estimate delivery date test (from application).(XX CFR XXX(e)(X)(iii)(A))The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(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 XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. |  |  | This loan passed the initial loan estimate delivery date test (from application).(XX CFR XXX(e)(X)(iii)(A))The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XX CFR XXX(e)(X)(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 forXXXrrying 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 X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010283 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). |  |  | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010283 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(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 XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). |  |  | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(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 XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010283 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010297 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010297 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010174 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010174 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | XXX through Feb XXX. We need XXX throughXXX XXX. The borrower income verification does not match approval: XXX - XXX.... QuickXXXlc dates are XXXX - XXXX.. | Received copies of XXX throughXXX XXX. Verified amounts - exception cleared. | Received copies of XXX throughXXX XXX. Verified amounts - exception cleared. | The borrower income verification does match approval | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010340 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010340 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: Section XXX indicates ineligible property types include properties with less than XXX square feet of living area. The subject property has only XXX sq ft of living area | Received CRSE and uploaded toXXX folder. Exception cleared. | Received CRSE and uploaded toXXX folder. Exception cleared. | Change severity of 'Appraisal guideline violation' from Material to Non-Material. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.<br> Client provided guideline exception allowing for gross living area of XXX square feet based on XXX FICO, payment decreasing by XXX, XXX months in reserves, and XX LTV. XXX: Received CRSE in trailing docs. Exception cleared. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010298 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXXXXX and value used for LTV of XX. Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> client LTV exception in file approved on page XXX for loan purpose andXXXsh out maximum perXXX XXX+ is XX LTV subject file LTV XX. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010298 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Cleint approved exception for loan purposeXXXsh out XXX + max LTV XX subject loan LTV XX- exception approved per page XXX. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010298 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.X | Third Party Valuation Product Not Provided and CU Score is XX. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010298 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010298 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Secondary Product Provided | XXX | Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010298 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010298 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial- ProvideXXX documentation for REO XXX for new AOM mortgage for review and DTI re-calculation if necessary. | Received copy of final CD dated X/XXXX for XX Baymont St. Confirmed amount - exception cleared. | Received copy of final CD dated X/XXXX for XX Baymont St. Confirmed amount - exception cleared. | Borrower liabilities verified indicator is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010319 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010319 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010319 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010284 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010284 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Client provided a guideline exception allowing for X month houisng history for lot rents (living in RV) outside ofXXX XX month housing history. See page XXX for exception approval. Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.<br> Housing history does not meet guidelines. Client provided a guideline exception allowing for X month houisng history for lot rents (living in RV) outside ofXXX XX month housing history. See page XXX for exception approval. |  |  | Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010284 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. Third Party Valuation Product Provided. | Per Lender Guidelines, not applicable. CU score is X. Exception cleared. | Per Lender Guidelines, not applicable. CU score is X. Exception cleared. | Third Party Valuation Product Provided. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010285 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010285 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010320 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. D A |
| 2023010320 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. D A |
| 2023010320 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Final Loan Application is Partial | Final XXX incomplete and needs all mortgages and mortgage amounts listed on final XXX. Final Loan Application is Partial | Received fully outline final XXX showing Primary Residence and Second Home to include in theXXXlculation. Updated - Exception cleared. | Received fully outline final XXX showing Primary Residence and Second Home to include in theXXXlculation. Updated - Exception cleared. | Final Loan Application is Present | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. D A |
| 2023010286 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | CPA letter confirming percentage of ownership is required. There is no CPA letter in the file. | Received copy of LLC documentation. Copy of CPA letter is not required (per guidelines) if other valid documentation provided to verify business. Exception cleared. | Received copy of LLC documentation. Copy of CPA letter is not required (per guidelines) if other valid documentation provided to verify business. Exception cleared. | Received copy of LLC documentation. Copy of CPA letter is not required (per guidelines) if other valid documentation provided to verify business. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010286 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Subject propertyXXXs purchased XXX. A CDA is required. <br>Lender Guidelines Dated XXX: XXXXXXsh-Out Refinance:<br> The property must have been purchased (or acquired) by the borrower at least twelve (XX) months prior to the disbursement of the new mortgage.<br> All Occupancy Types:<br> Cash-out transactions require a minimum of six (X) months seasoning.<br> The loan to value will be based off of the appraised value if:<br> • The Property has been owned for at least XX months, or<br> • The property has been owned for less than XX months, but at least X months, and XXX orders a CDA which must acceptably support the appraised value | Collateral Desktop Review provided. Updating loan | Collateral Desktop Review provided. Updating loan | Third Party Valuation Product Provided | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010286 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TX Constitution A6 Total Indebtedness Test | This loan failed the total indebtedness test due to one of the following findings:<br> (Texas Constitution, Article XX, Section XX (a)(X)(B), as XXX Sept. XXX)The loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XX of the fair market value of the homestead on the date the extension of credit is made.No CLTV ratioXXXs provided. ForXXX Constitution AX this information is required to determine if the loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XX of the fair market value of the homestead on the date the extension of credit is made. | ComplianceEaseXXXs completed prior to adding all information into the system. The LTV/CLTVXXXs not populating before CE completed. Re-ran - exception cleared. | ComplianceEaseXXXs completed prior to adding all information into the system. The LTV/CLTVXXXs not populating before CE completed. Re-ran - exception cleared. | This loan passed the total indebtedness test.<br> (Texas Constitution, Article XX, Section XX (a)(X)(B), as XXX Sept. XXX)<br> The loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead does not exceed XX of the fair market value of the homestead on the date the extension of credit is made. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010286 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established and appraisal receipt acknowledged within X days. | Escrow account established and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010286 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Alerts from Fraud Report have been cleared. Liens not reporting on personal credit report, do not need to be included in DTI. Fraud report shows the following alerts that have not been cleared: XXX XXX XXX XXXX reporting on fraud and final URLA. XXX #XXX for XXX with a monthly payment of XXX is listed on final URLA. File is XXXmortgage statement, taxes, hoi and hoa to confirmXXX. Hometown Equity #XXX is not reporting on credit report. This mortgage is also listed on the final URLA pg XX as a lien against the subject property. This appears to be a mistake, as title does not show a Xnd lien, however no notes or reconciliation listed in file. Page XXX LoanSafe Fraud report shows the following alerts that have not been cleared/addressed: Borrowers Business XXX & Assoc Owner of Properties: Purchased XXX XXX XXX Loan Amount XXX. <br> Purchased XXX XXX Loan Amount XXX. <br> Purchased XXX XXX Amount XXX. <br> Purchased XXX XXX Amount X XXX. <br> Purchased X/XXX Loan Amount XXX.<br> Purchased XXX XXX Loan Amount XXX. | Received LOX with updated XXX and XXX. XXX XXX Texas purchased X/XXXX - Hometown Equity first payment letter follows. Please note payment includes PITI. Tax Bill and Zillow indicate SFR - no HOA. System is showing this property linked to Hometown equity lien. Exception cleared. | Received LOX with updated XXX and XXX. XXX XXX Texas purchased X/XXXX - Hometown Equity first payment letter follows. Please note payment includes PITI. Tax Bill and Zillow indicate SFR - no HOA. System is showing this property linked to Hometown equity lien. Exception cleared. | Alerts from Fraud Report have been cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010286 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Property | Title Issues Present | The following issues were noted: XX-month Seasoning requirement forXXXsh out has not been met. Per title, fraud guard and credit report, XX-month chain of title shows borrower purchased subject property July XX, XXX. There is no exception in file. <br>Lender Matrix Dated XXX: XX months seasoning required<br> Lender Guidelines Dated XXX: XXXXXXsh-Out Refinance:<br> The property must have been purchased (or acquired) by the borrower at least twelve (XX) months prior to the disbursement of the new mortgage.<br> All Occupancy Types:<br> Cash-out transactions require a minimum of six (X) months seasoning.<br> The loan to value will be based off of the appraised value if:<br> • The Property has been owned for at least XX months, or<br> • The property has been owned for less than XX months, but at least X months, and XXX orders a CDA which must acceptably support the appraised value | Received updated CRSE. Client acknowledges - Credit-Payment History (Housing). Guidelines - XX Actual - X. Rationale - Borrower purchased subject property X months ago, prior to that borrower resided in subject property. Compensating Factors: XXX (housing Ratio) or XXX (Total) Borrower with same Employer/Business for X years Qualifying Payment Shock is XXX Verified Reserves are XX Residual Income of XXXX. Acknowledged by client. | Received updated CRSE. Client acknowledges - Credit-Payment History (Housing). Guidelines - XX Actual - X. Rationale - Borrower purchased subject property X months ago, prior to that borrower resided in subject property. Compensating Factors: XXX (housing Ratio) or XXX (Total) Borrower with same Employer/Business for X years Qualifying Payment Shock is XXX Verified Reserves are XX Residual Income of XXXX. Acknowledged by client. | Change severity of 'Title Issues Present' from Material to Non-Material. Change status of 'Title Issues Present' from Active to Acknowledged by Client.<br> Received updated CRSE. client acknowledges - Credit-Payment History (Housing). Guidelines - XX Actual - X. Rationale - Borrower purchased subject property X months ago, prior to that borrower resided in subject property. Compensating Factors: XXX (Housing Ratio) or XXX (Total) Borrower with same Employer/Business for X years Qualifying Payment Shock is XXX Verified Reserves are XX Residual Income of XXXX. Acknowledged by client. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010286 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Lender guidelines require residential pay history of XXX. Select Portfolio #XXX originated XXXX. X month mortgage review found on credit report page XXX. <br>| Received LOX. Gap credit shows mortgage payment history updated to XXX. Evidence of rent from Feb XXX-June XXXXXs included. Reviewed - Exception cleared. | Received LOX. Gap credit shows mortgage payment history updated to XXX. Evidence of rent from Feb XXX-June XXXXXs included. Reviewed - Exception cleared. | Housing delinquency meets guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010299 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010299 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010168 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010168 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010321 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Employment Verification does not meet guidelines | Section XXX of the portfolio program guidelines indicates that joint accountsXXXn not be used under the personal XXXs provided | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Acknowledged by Client.<br> Received updated CRSE - Exception Type : Assets-Account Ownership. Guidelines - Personal joint statements not allowed Actual - Joint statements used. Rationale - Both borrowers are on the loan, so ok with using joint statements for personal program. Compensating Factors : Qualifying Credit Score is XXX XXX (Housing Ratio) or XXX (Total) Borrower with same Employer/Business for XX years Monthly housing payment is changing by - XXXX monthly Qualifying Payment Shock is - XX Verified Reserves are XX Residual Income of XXX Qualifying LTV is XX. Acknowledged by Client. | XXX |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010321 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010162 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010162 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010300 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Title Issues Present | The following issues were noted: Guidelines section XXXXXXsh out Refinance require the property to have been owned for at least XX months or at least X months with a CDA supporting the property value. The borrower purchased the property on X/XXXX and no CDAXXXs in file | Received copy of CDA dated XXX supporting XXXXX value. Exception cleared. | Received copy of CDA dated XXX supporting XXXXX value. Exception cleared. | Change status of 'Title Issues Present' from Active to Cured Post Close.<br> Received copy of CDA dated XXX supporting XXXXX value. Exception cleared | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010287 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010287 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010301 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010301 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. XXX/XXXX bank statement. | Received copy of X/XXXX XXX. Reviewed/confirmed - Exception cleared | Received copy of X/XXXX XXX. Reviewed/confirmed - Exception cleared | The borrower income verification does match approval | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010288 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.X | Third Party Valuation Product Not Provided and CU Score is XX. | Secondary Product Provided | XXX | Exception resolved | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010288 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010322 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. |  |  | Escrow account established, and appraisal receipt acknowledged within X days. | XXX | C B A |
| 2023010322 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | C B A |
| 2023010322 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | C B A |
| 2023010169 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial : XXXmortgage statement to show properties are escrowed or taxes/insurance for the following: XXX XXX , XXX XXX , XXX XXX , XXX XXX , and CD from the purchase ofXXX. | We received copies of mortgage statements on several properties showing insurance and Taxes are included in the monthly payment. Exception cleared. | We received copies of mortgage statements on several properties showing insurance and Taxes are included in the monthly payment. Exception cleared. | Borrower liabilities verified indicator is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010169 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010169 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Title Issues Present | The following issues were noted: Note and DOT executed in LLC,XXX Property LLC , by XXX R. XXX III, XXX in LLC on title comt lender to provide title XXX in LLC. | Received updated Title Commitment showing LLC as XXX info. Exception cleared. | Received updated Title Commitment showing LLC as XXX info. Exception cleared. | The exception 'Title Issues Present' is cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010170 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010170 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010198 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010198 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010198 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | 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 reimbursementXXXlculations. This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan passed the homeownership counseling organizations disclosure date test. (XX CFR XXX(a))The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (XX CFR XXX(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided) orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. |  |  | This loan passed the homeownership counseling organizations disclosure date test. (XX CFR XXX(a))The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XX CFR XXX(e)(X)(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 forXXXrrying 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 X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(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 XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan passed the initial loan estimate delivery date test (from application).(XX CFR XXX(e)(X)(iii)(A))The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. |  |  | This loan passed the initial loan estimate delivery date test (from application).(XX CFR XXX(e)(X)(iii)(A))The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). |  |  | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(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 XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). |  |  | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010302 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Written List of Service Providers Disclosure Date Test | This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (XX CFR XXX(e)(X)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting allXXXlendar 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 forXXXrrying on substantially all of its business functions)ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in XXX(e)(X)(e)(X)(iii) §XXX(a)(X) and as it relates to XXX(a)(X)(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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying 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 XXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in XXX(e)(X)(e)(X)(iii). This loan passed the written list of service providers disclosure date test due to the following reasons: (XX CFR XXX(e)(X)(vi))The written list of service providers disclosure date is not less than the seventh business day (counting allXXXlendar days except Sunday and specified legal public holidays) before consummation of the transaction andThe written list of service providers disclosure date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or mortgage broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(a)(X)(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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying 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 XXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in XXX(e)(X)(e)(X)(iii). |  |  | This loan passed the written list of service providers disclosure date test due to the following reasons: (XX CFR XXX(e)(X)(vi))The written list of service providers disclosure date is not less than the seventh business day (counting allXXXlendar days except Sunday and specified legal public holidays) before consummation of the transaction andThe written list of service providers disclosure date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or mortgage broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(a)(X)(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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying 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 XXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in XXX(e)(X)(e)(X)(iii). | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010303 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | A |
| 2023010303 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | A |
| 2023010187 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established and appraisal receipt acknowledged within X days. | Escrow account established and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010187 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010304 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010398 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010398 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010305 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010305 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | The state ofXXXorida enacted a statute effective XXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception Cleared. Hazard insurance coverage of XXXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. |  |  | Hazard insurance coverage is sufficient. The state ofXXXorida enacted a statute effective XXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010323 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010323 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010323 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010171 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010171 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010176 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010176 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010306 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX. | Received updated CRSE - Program-Debt Ratios. Guidelines: XX when LTV >XX. Actual: XXX. Rationale - Comp factors reserves and VOM XXX mo. Compensating Factors: Qualifying Credit Score is XXX Residual Income of XXX. Acknowledged by client. | Received updated CRSE - Program-Debt Ratios. Guidelines: XX when LTV >XX. Actual: XXX. Rationale - Comp factors reserves and VOM XXX mo. Compensating Factors: Qualifying Credit Score is XXX Residual Income of XXX. Acknowledged by client. | Change severity of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Material to Non-Material. Change status of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Received updated CRSE - Program-Debt Ratios. Guidelines: XX when LTV >XX Actual: XXX. Rationale - Comp factors reserves and VOM XX mo. Compensating Factors: Qualifying Credit Score is XXX Residual Income of XXX. Acknowledged by Client | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010324 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan Test |  |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010324 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010307 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Diclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010307 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010308 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010308 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010325 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010325 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010325 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010184 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010184 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. According to the Credit Report Comparison report dated X/XXXX X accounts had outstanding balances. This information must be outlined on the final XXX andXXXlculated in the DTIXXXlculation on the XXX. | Received updated XXX - Confirmed liability amountXXXs updated accordingly - Exception cleared. | XXX | Borrower liabilities verified indicator is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010184 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Partial | The transmittal summary is Partial - According to the Credit Report Comparison report dated X/XXXX X accounts had outstanding balances. This information must be outlined on the final XXX andXXXlculated in the DTIXXXlculation on the XXX. | Received updated XXX - Confirmed liability amountXXXs updated accordingly - Exception cleared. | XXX | The transmittal summary is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010184 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial According to the Credit Report Comparison report dated X/XXXX X accounts had outstanding balances. This information must be outlined on the final XXX andXXXlculated in the DTIXXXlculation on the XXX. | Received updated XXXXX - verified the amounts Exception cleared. <br> According to the Credit Report Comparison report dated X/XXXX X accounts had outstanding balances. This information must be outlined on the final XXX andXXXlculated in the DTIXXXlculation on the XXX. | XXX | Final Loan Application is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010341 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010341 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010341 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. | Received LOX - verified with credit report.XXX last updated X-XX andXXXXX Savings closed but last updated XX/XX. WeXXXn use a closed account if thereXXXs activity in the last XX months. Exception cleared. | Received LOX - verified with credit report.XXX last updated X-XX andXXXXX Savings closed but last updated XX/XX. WeXXXn use a closed account if thereXXXs activity in the last XX months. Exception cleared. | Borrower(s) have met the minimum tradeline requirement per lender guidelines. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010341 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | CR RISK SUMMARY AND EXCEPTION REPORT SHOWS XX MONTHS BUT LOANXXXS QUALIFIED USING XX MONTHS BANK STATEMENTS. | Received LOX with email chain. The loanXXXsXXXlculated as a XX month Business XXXs in error. Exception cleared. | Received LOX with email chain. The loanXXXsXXXlculated as a XX month Business XXXs in error. Exception cleared. | The borrower income verification does match approval | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010309 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Partial | The transmittal summary is Partial. Per the final the current primary residence is being retained. The mortgage/Tax/Insurance paymentXXXs included in ourXXXlculation. Per the final this property is NOT included in theXXXlculation. Please provide an updated XXX to include this charge in theXXXlculation. | Received updated XXXXlculation is off, due to the updated liabilities within variance. Exception cleared. | Received updated XXXXlculation is off, due to the updated liabilities within variance. Exception cleared. | The transmittal summary is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010309 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010178 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification Level is missing | VOE is required. The borrower employment verification level is Missing | Received LOX with LLC filing documentation. Company is owned by Bwr and active. Exception cleared. | Received LOX with LLC filing documentation. Company is owned by Bwr and active. Exception cleared. | The borrower employment verification level is Level X - Verified-direct independent verif w/Xrd party | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010178 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010310 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010310 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided. |  |  | HMDA data tape provided. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010326 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A C |
| 2023010326 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan passed the homeownership counseling organizations disclosure date test. (XX CFR XXX(a))The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. |  |  | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (XX CFR XXX(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided) orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A C |
| 2023010326 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan passed the initial loan estimate delivery date test (from application).(XX CFR XXX(e)(X)(iii)(A))The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(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 XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. |  |  | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XX CFR XXX(e)(X)(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 forXXXrrying 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 X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A C |
| 2023010326 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). |  |  | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XX,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A C |
| 2023010326 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). |  |  | This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(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 XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A C |
| 2023010326 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Written List of Service Providers Disclosure Date Test | This loan passed the written list of service providers disclosure date test due to the following reasons: (XX CFR XXX(e)(X)(vi))The written list of service providers disclosure date is not less than the seventh business day (counting allXXXlendar days except Sunday and specified legal public holidays) before consummation of the transaction andThe written list of service providers disclosure date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or mortgage broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(a)(X)(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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying 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 XXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in XXX(e)(X)(e)(X)(iii). |  |  | This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (XX CFR XXX(e)(X)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting allXXXlendar 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 forXXXrrying on substantially all of its business functions)ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in XXX(e)(X)(e)(X)(iii) §XXX(a)(X) and as it relates to XXX(a)(X)(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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying 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 XXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in XXX(e)(X)(e)(X)(iii). | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A C |
| 2023010326 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. |  |  | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A C |
| 2023010408 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower has stable job time - Borrower has XX years at job. D A C |
| 2023010408 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Insurance coverage of X, XXX is not sufficient to cover the estimated replacement cost of theXXX as provided by the X appraisals. The first ERC is X,XXX,XXX and the second is X,XXX,XXX. The insurance policy does not contain extension language or replacement clauses. | Received copy of ERD - Insurance provider shows XXX replacement cost is included in policy. Exception cleared. | Received copy of ERD - Insurance provider shows XXX replacement cost is included in policy. Exception cleared. | Hazard insurance coverage is sufficient. Received email stating - ERC in the file states we are covered at XXX. Need confirmation of where ERC is located unable to find in images. | XXX | Borrower has stable job time - Borrower has XX years at job. D A C |
| 2023010327 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010327 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010327 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010328 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXX(a)(X))Using the greater of the disclosed APR and theXXXlculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lendersXXXn legally make this type of loan subject to additional requirements in XX CFR XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Escrow account established, and appraisal receipt acknowledged within X days. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010328 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010328 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: The fraud report shows X properties that appear to be recently purchased by the borrower that were not disclosed. No documentationXXXs provided to confirm the borrower no longer had ownership in these properties. | Received LOX with property detail reports confirming - "all X addresses listed on the fraud manager are vacant land and would not be added to the REO. The attachements should have been in the file to avoid the finding." Exception cleared. | XXX | Alerts from Fraud Report have been cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010328 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided. | State ofXXXorida - RCE is included but not stated. | XXX | Hazard insurance coverage is sufficient. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010180 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010180 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010329 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010329 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010329 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010330 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010330 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX. |  |  | Documentation provided to support Qualifying DTI below XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010330 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | Lender approval indicates XXmonths , however, incomeXXXs qualified using XX months back statement - pg XXX The borrower income verification does not match approval | Received LOX - "LoanXXXs going to become XX month statement but then stayed with the XX month product. Income worksheet follows - corrected UWCRSE - XXX and XXX showing correct income aslo follow." Updating loan accordingly - exception cleared. | Received LOX - "LoanXXXs going to become XX month statement but then stayed with the XX month product. Income worksheet follows - corrected UWCRSE - XXX and XXX showing correct income aslo follow." Updating loan accordingly - exception cleared. | The borrower income verification does match approval | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010343 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010343 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010343 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010182 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010182 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010331 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010331 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Missing | The transmittal summary is Missing | Received final XXX. Verified information - exception cleared. | Received final XXX. Verified information - exception cleared. | The transmittal summary is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010332 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010332 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010332 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD issued X/XXXX is XXXfrom the file. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar 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 allXXXlendar 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 allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | Received CD dated X/XXXX. Updating loan accordingly. | Received CD dated X/XXXX. Updating loan accordingly. | This loan passed the initial closing disclosure delivery date test.(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010332 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. The initial CD issued X/XXXX is XXXfrom the file. | Received CD dated X/XXXX. Updating loan accordingly. | Received CD dated X/XXXX. Updating loan accordingly. | TRID Monitor Timing of Disclosures Finding.This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010333 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010333 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010192 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar 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 allXXXlendar 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 allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. Per the disclosure tracking summary in the file:<br> XXXthe Initial CD dated XXX from the file | Received CD dated X/XXXX. Updating loan accordingly. | XXX | This loan passed the initial closing disclosure delivery date test.(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010192 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verificiation Indicator is Missing | Borrower Liabilities Verificiation Indicator is Missing | Received updated CRSE/XXX/Final XXX. Verified information - Exception cleared. <br> Received documentation for all properties outlined previously. We have updated the account. Per the final the property at XXXXXterstoneXXXs being retianed. It does not appear the amount associated with this propertyXXXs provided in theXXXlculation. Please review and advise. Need proof of sale for REO XXXXXXX AveXXXXX per LOE page XXX- lender to provide final sale CD Need status for departing primary XXXXXterstone Pkwy XXX and proof of sale and/or status for XXX ElXXXminoXXX FireXXX property. Provide documentation to evidence allXXX for any retained REOS and/or final sale CD. Audit to review DTI when documents received.  | XXX | Borrower liabilities verified indicator is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010192 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX. Qualifying DTI of XXX exceeds guideline maximum of XXX. |  |  | Documentation provided to support Qualifying DTI below XXX. Documentation provided to support Qualifying DTI below XXX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010192 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. |  |  | Housing delinquency meets guidelines. Housing delinquency meets guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010192 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. The Initial Closing Disclosure dated XXX is XXXfrom the loan file. | Received CD dated X/XXXX. Updating loan accordingly. | XXX | TRID Monitor Timing of Disclosures Finding.This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010362 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010362 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010362 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010199 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010199 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010334 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010334 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010344 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010344 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial |  |  | Change severity of 'Borrower Liabilities Verification Indicator is Partial' from Material to Non-Material. Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Acknowledged by Client.<br> Lender provided guideline exception allowing for credit payment history XXX based on XXXXX DTI, XX months of verified reserves and XXX - last XX months. Borrower liabilities verified indicator is Partial. Credit history XXX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010344 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | Please provide copy of mortgage statement for the Xnd lien on XXX SE XXXth St, with XXX , Inc a balance of XXX and monthly payment of XXX | Received final Closing Disclosure for Xnd lien on XXX SE XXXth St. Exception cleared. | Received final Closing Disclosure for Xnd lien on XXX SE XXXth St. Exception cleared. | The borrower income verification does match approval | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010335 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. C A |
| 2023010335 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. C A |
| 2023010335 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. C A |
| 2023010194 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010194 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010345 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010345 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010352 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023010352 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023010352 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023010346 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010346 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010346 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010353 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010353 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010353 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The lender guidelines, section XXX indicate XXXnnot be joint accounts if qualifying under the personal bank statement program. The borrower is a joint owner with the co-borrower on the bank statements used to qualify. | XXX: Received loe stating that the assets are co-owned by both borrowers and they are both on the loan. Exception cleared. | XXX: Received loe stating that the assets are co-owned by both borrowers and they are both on the loan. Exception cleared. | The borrower income verification does match approval Change severity of 'Borrower Income Verification does not match Approval' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010347 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010347 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010347 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010348 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. B A |
| 2023010348 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. B A |
| 2023010197 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010197 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010197 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010202 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010202 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010349 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010349 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010349 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010354 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML loan with established escrow and appraisal received | HPML loan with established escrow and appraisal received | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010354 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010354 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010355 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010355 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010355 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010356 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Active | Compliance | Prohibited Fees Test | The loan failed the prohibited fees test.Iowa loans may fall into more than one loanXXXtegory at the same time. A fee is allowed if authorized by one or more statutes that apply. Otherwise fees are prohibited:If the loan is a Consumer Loan (Iowa Code XXX(XX)) it may charge an "additional charge". (Iowa Code XXXX and XXXX).If the loan is a Home Acquisition Loan (Iowa Code §XXX(X)) the lender may collect fees as allowed by statute. (Iowa Code §XXX(X), Gardin v. Long Beach Mortgage Co. XXX N.W.dX XXX)If the loan is a Home Equity Line of Credit (Iowa Code XXX(X)) the lender may collect fees as allowed by statute. (Iowa Code XXX(X) §XXX(X), and Gardin v. Long Beach Mortgage Co. XXX N.W.dX XXX) |  |  |  | XXX | Borrower has stable job time - Borrower has XX years at job. C A |
| 2023010356 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML Loan with established escrows and appraisal received, downgraded to a B. | HPML Loan with established escrows and appraisal received, downgraded to a B. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Borrower has stable job time - Borrower has XX years at job. C A |
| 2023010356 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Borrower has stable job time - Borrower has XX years at job. C A |
| 2023010356 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Borrower has stable job time - Borrower has XX years at job. C A |
| 2023010363 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010363 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: XXX square feet of gross living area. |  |  | Change severity of 'Appraisal guideline violation' from Material to Non-Material. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.<br> Client provided guideline exception allowing for XXX square feet of gross living area based on XXX FICO, XXXX DTI, XXX months verified reserves and credit history XXX - last XX months. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010357 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010357 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010357 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial - lender approved payment shock exceptionmax pmt shock perXXX XXX- actual XXX see page XXX XXX approved exception. | Per CRSE - client acknowledged exception. Updated accordingly. | Per CRSE - client acknowledged exception. Updated accordingly. | Change severity of 'Borrower Liabilities Verification Indicator is Partial' from Material to Non-Material. Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Acknowledged by Client.<br> CRSE shows - Exception Type: Payment Shock. Guidelines: Maximum Payment Shock: XXX - HALO Actual : Payment Shock: XXX. Rationale - Exception approved. Compensating Factors : Qualifying Credit Score is XXX XXX (Housing Ratio) or XXX (Total) Residual Income of XXX X last XX months. DTI XX below. Acknowledged by client. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010357 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: gift funds page XX IAO XX,XXX XXXwire, or certified check, or money order orXXXshier's check to verifiy donors funds. Lender to provide donor funds as not seen in borrowers account and no wire in file. | Received a copy of the Wire Verification dated XXX in the amount of XX,XXX. Exception cleared. | Received a copy of the Wire Verification dated XXX in the amount of XX,XXX. Exception cleared. | The exception 'Asset Documents are Incomplete' is cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010203 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010203 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXXXXX is not sufficent. The subject loan amount is XXXXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided. | Received copy of Replacement Cost Estimator. Updating loan accordingly. | Received copy of Replacement Cost Estimator. Updating loan accordingly. | Hazard insurance coverage is sufficient. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010358 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML Loan with established escrows and appraisal received.XXX a B. | HPML Loan with established escrows and appraisal received.XXX a B. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010358 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010358 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010359 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010359 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010359 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. The borrower is purchasing X additional properties that were being financed with XXX: XXX XXX, XXXOh XXX XXX Ave, XXXOH XXX XXXRoad, XXXOH and XXXXX Rd, XXX OH. The file does not contain the taxes and insurance for XXXXX Rd and does not contain documentation of the new mortgage payment amounts for all X properties. | Received LOX with supporting documentation for the following properties:XXX Rd XXX AveXXX XXX Rd. Payment amounts match whatXXXs provided on the final XXX. Exception cleared. | Received LOX with supporting documentation for the following properties:XXX Rd XXX AveXXX XXX Rd. Payment amounts match whatXXXs provided on the final XXX. Exception cleared. | Borrower liabilities verified indicator is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010364 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. HPML loan with established escrow and appriasal received | HPML Loan with established escrows and appraisal requirements met. | HPML Loan with established escrows and appraisal requirements met. | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010364 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010364 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010242 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010242 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | The Discount Points-Loan Discount Fee increased from X,XXX on the LE dated X/XXXX to X,XXX on the CD dated XXX. Please provide Post Closing CD, Change of Circumstance, or proof of reimbursement to the borrower. | XXX - XXX: Received trailing docs Client provide COC CD Exception cleared. | XXX | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR ÂXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to ÂXXX(e)(X)(i).<br>The zero tolerance violation in the amount of XXX is due to addition of Loan Discount Points from Loan Estimate to Closing CD Need evidence of COC, PCCD or refund check to the borrower in the amount of XXX. It appears the Closing Disclosure dated XXX is XXXfrom the loan file. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010242 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | 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 reimbursementXXXlculations. | XXX - XXX: Received trailing docs Client provide COC CD Exception cleared. | XXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010242 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | Original PI Payment on Note matches Final CD<br> From Hard Coded form in template:<br> 'Closing Disclosure' at XXX Original PI Payment on Note matches Final CD |  |  | Original PI Payment on Note matches Final CD<br> From Hard Coded form in template:<br> 'Closing Disclosure' at XXX Original PI Payment on Note matches Final CD Original PI Payment on Note matches Final CD<br> From Hard Coded form in template:<br> 'Closing Disclosure' at XXX | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010242 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | The Discount Points-Loan Discount Fee increased from X,XXX on the LE dated X/XXXX to X,XXX on the CD dated XXX. Please provide Post Closing CD, Change of Circumstance, or proof of reimbursement to the borrower. | XXX - XXX: Received trailing docs Client provide COC CD Exception cleared. | XXX | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010242 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Initial Closing Disclosure Date and Funding Date Validation Test | This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. |  |  | This compliance test 'TRID Initial Closing Disclosure Date and Funding Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010125 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | Application date - X/XX/XX. First LE provided is dated X/XX/XX. An LE dated on X/XX/XX is needed. |  |  | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010125 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | Application date - X/XX/XX. First LE provided is dated X/XX/XX. An LE dated on X/XX/XX is needed. |  |  | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010125 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Homeownership Counseling Disclosure is Missing | The homeownership disclosure is Missing |  |  | XXX - The Homeownership disclosure is XXXfrom the loan file. <br> XX/X/XX - The Homeownership disclosure is XXXfrom the loan file. The Homeownership disclosure is XXXfrom the loan file. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010125 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | Application date - X/XX/XX. First LE provided is dated X/XX/XX. An LE dated on X/XX/XX is needed. |  |  | This loan passed the initial loan estimate delivery date test (from application).(XX CFR XXX(e)(X)(iii)(A))The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(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 XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010125 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | Application date - X/XX/XX. First LE provided is dated X/XX/XX. An LE dated on X/XX/XX is needed. |  |  | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010269 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Xrd party valuation is required per guidelines as loan amount exceeds XXX,XXX. Lender to provide. | Per LenderXXXTPV not required |  | X/XXXX - Per guidelines, TPV not required. CU Score is X. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010269 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010269 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.3X(c)(6)). | No evidence found for appraisal delivery. Lender to provide. |  |  | Evidence of Appraisal Delivery to the Borrower Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010247 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. Third Party Valuation Product Provided. | Per LenderXXXTPV not applicable. |  | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible. Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010247 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided. The replacement cost of the subjectXXX is XXX per the appraiser. Hazard insurance is in the amount of XXX with an extension available of up to XX,XXX. The total insurance amount of XXX is not adequate to replace theXXX. | X/XX/XX - Letter from insurance company received. "State Farm Homeowners policies that include Option ID are insured for a coverage amount that is at least equal to XXX of the estimated replacement cost of the home." Letter also shows - Policy DOES have Option ID. Exception cleared. &#xXD<br> X/XX/XX - Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided.&#xXD<br> The replacement cost of the subjectXXX is XXX per the appraiser. Hazard insurance is in the amount of XXX with an extension available of up to XX,XXX. The total insurance amount of XXX is not adequate to replace theXXX. | XXX | Hazard insurance coverage is sufficient. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010247 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010270 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Per guidelines, XXX not required. CU Score is X. Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per Lender G/L TPV not required |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010270 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010270 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010314 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010314 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010311 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010311 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010186 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Liquid Reserves are less than Guidelines Required | Foreign National borrowers must have twelve (XX) monthsXXX reserves per guidelines page XX |  |  | The liquid reserves of XXX months or XXXXX, is greater than or equal to the Guidelines minimum required of XXX or XXX. X/XXXX - XXX were received. Date and amounts match what is input in the system. Per guidelines, Foreigh National borrower's MUST have XX monthsXXX reserves. XXXsh Required to close is XXX leaving reserve amount of XXXXX (XXX months). Provide updated CRSE showing reserve amountXXXlculation is approved at XXX months instead of the guidelines requirements of XX months. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years D A C |
| 2023010186 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years D A C |
| 2023010186 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. Per guidelines, XXX not required. CU Score is X. Exception cleared. |  |  |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years D A C |
| 2023010312 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided. | X/XXX - LOX received. Confirmation Evidence of Insurance Coverage states - "XXX loss settlement provision: Replacement Cost- Similar Construction". Exception cleared. | XXX | Hazard insurance coverage is sufficient. | XXX | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| 2023010312 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | HAZARD INSURANCE CERTIFICATE MISSING | File should contain a master policy, which is not found in the file. The hazard coverage purchase by the owner is for the unit but does not cover the replacement cost of XXX estimated by the appraiser. XXXcopy of hazard insurance certificate | X/XXX - LOX received. Confirmation Evidence of Insurance Coverage states - "XXX loss settlement provision: Replacement Cost- Similar Construction". Exception cleared. | XXX | Received copy of hazard insurance certificate | XXX | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010312 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010336 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010336 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TILA Finance Charge Test | The finance charge is understated by XXX due to Prepaid Interest was not included as a finance charge perXXX in the file. |  |  | This loan passed the TILA finance charge test.(XX CFR XXX(o)(X))The finance charge is XXX. The disclosed finance charge of XXX is considered accurate because:It is understated by no more than XXX orIt is greater than the amount required to be disclosed. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010336 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Total of Payments Test | This loan failed the TRID total of payments test. (XX CFR XXX(o)(X))The total of payments is XXX. The disclosed total of payments of XXX is not considered accurate because it is understated by more than XXX. |  |  | This loan passed the TRID total of payments test. (XX CFR XXX(o)(X))The total of payments is XXX. The disclosed total of payments of XXX is considered accurate because:It is understated by no more than XXX orIt is greater than the amount required to be disclosed. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010313 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Note Document Indicator is Partial | Second portion for borrower's signature leftblank |  |  | Note document indicator is Present | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010313 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Security Instrument Indicator is Partial | The security instrument indicator is Partial. Second portion for borrower's signature left blank |  |  | The security instrument indicator is Present | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010399 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Per guidelines, XXX not required. CU Score is X. Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per Lender G/L TPV not required |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. A |
| 2023010399 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. A |
| 2023010399 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. A |
| 2023010172 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010172 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010337 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010337 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010337 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Per Lender Guidelines, not applicable loan amount is less than XXX and XXX Rep &XXXrrant is Eligible. Exception cleared. Third Party Valuation Product Not Provided and CU Score is XX. | Per Lender G/L TPV not required |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010338 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010338 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010402 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010402 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.3X(c)(6)). | Evidence of Appraisal Delivery to the Borrower Not Provided. |  |  | Evidence of Appraisal Delivery to the Borrower Provided. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010402 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan Right to Receive Appraisal Disclosure Alert (12 CFR 1026.3X(c)(X)). | Loan is a Higher-Priced Mortgage Loan and Borrower's Right to Receive Appraisal Disclosure was not provided. |  |  | Loan is a Higher-Priced Mortgage Loan and Borrower's Right to Receive Appraisal Disclosure provided. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010350 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established and appraisal receipt acknowledged within X days. | Escrow account established and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010350 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010339 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010339 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010351 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010351 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010360 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | XXX Higher-Priced Mortgage Loan Finding | This loan is a higher-priced mortgage loan. (XXX COMAR XXXXB(XX) , COMAR XXXXB(X))<br> The loan is a higher-priced mortgage loan as defined in the Code of Maryland Regulations (COMAR) due the following findings:<br> The loan is a closed-end loan with a closing date, or date creditor received application (formerly application date) if closing date is unknown, on or after the effective date of XXX andThe loan is a first lien and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more.<br> For information on higher-priced mortgage loans, please see the XXX Higher-Priced Mortgage Loan Alerts below. | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010360 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Five months of VOR on page XXX & XXX. Prior to that, borrower lived rent free, see page XXX. CRS cites the exception page XXX. | Per CRSE, Exception Type: Housing History Guidelines: Houshing History: XXX or XXX or XXX (no rolling) or XXX (last X months must be XXX) or XXX (last X months must be XXX) or forbearance up to X payments. HALO Actual: Housing History: Rent Free. Rationale: Borrower has X months housing history lived rent free prior to in order to save for home, Counter offered at XX ltv. Compensating Factors: Qualifying Credit Score is XXX XXX (Housing Ratio) or XXX (Totl) Verified Reserves are XX Residual Income of XXX. | Per CRSE, Exception Type: Housing History Guidelines: Houshing History: XXX or XXX or XXX (no rolling) or XXX (last X months must be XXX) or XXX (last X months must be XXX) or forbearance up to X payments. HALO Actual: Housing History: Rent Free. Rationale: Borrower has X months housing history lived rent free prior to in order to save for home, Counter offered at XX ltv. Compensating Factors: Qualifying Credit Score is XXX XXX (Housing Ratio) or XXX (Totl) Verified Reserves are XX Residual Income of XXX. |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010360 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010360 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Partial | Final Loan Application does not have any income stated in the Employment Section. Loan is a XXX only show X account being used. Additional accounts were included in the AssetXXXlculation to meetXXXsh to Close and Reserve Requirements. Final Loan Application is Partial | Received LOX - Since this is a XXX or what isXXXlculated. This is the reason some clients elect to leave this blank. As for the Assets. The XXX only shows checking account and the funds available. Is there aXXXy around having the borrower sign a new XXX when we know there are enough funds to close the loan. Exception cleared. | Received LOX - Since this is a XXX or what isXXXlculated. This is the reason some clients elect to leave this blank. As for the Assets. The XXX only shows checking account and the funds available. Is there aXXXy around having the borrower sign a new XXX when we know there are enough funds to close the loan. Exception cleared. | Final Loan Application is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010360 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Homeownership Counseling Disclosure is Missing | The homeownership disclosure is Missing | Received copy of Homeownerhip Disclosure dated X/XXXX. Exception cleared. | Received copy of Homeownerhip Disclosure dated X/XXXX. Exception cleared. | The homeownership disclosure is recieved. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010360 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Escrow Account Disclosure is Missing | The initial escrow account disclosure is Missing | Received copy of IEAD dated X/XXXX. Exception cleared. | Received copy of IEAD dated X/XXXX. Exception cleared. | The initial escrow account disclosure is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010361 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010361 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010366 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 2023010366 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 2023010367 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010367 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010367 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010368 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.<br> Lender approved the exception for the X month housing history because the borrower was temporarily living with his daughter while the subject property was completed. The lender cited X previous XX month histories as well as the XXX FICO, XXXXX front and back ratios, XXX months in reserves and XX years employment as compensating factors. Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010368 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010059 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010059 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). Tolerance violation due to an addition of a title-courier fee of XXX without a valid COC in file. |  |  | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010059 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010059 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | 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 reimbursementXXXlculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010059 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010025 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023010025 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX<br>Income - XX,XXX<br> Subj PITI - X,XXX<br> Primary Residence - X,XXX<br> Liabilities - X,XXX<br> Rental Liabilities - XXX<br>XX,XXX / XX,XXX = XXX<br>| XXX - Subject PITIXXXs updated based off the current market rent value. PITI (once rented) negative net rent would be XXX. Updated/cleared exception. <br> XXX - The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX<br> DTI breakdown: <br>XXX – Subject PITI<br> XXX – Primary PITI<br> XXX – Liabilities (XXX XXX - XXX CU XXX - XXX XXX - One XXX - XXX = Total XXX)<br> XXX – Rental Liabilities (XXX - - XXX XXX-XXX - - XXX XXX - - XXX = Total - XXX) <br> XXX – Income<br>XXX + XXX + XXX + XXX = XXX / XXX = XXX DTI<br>XXX - XXX - Subj PITI - The HOA fees (XXX) were not included in theXXXlculation (First Payment Letter). <br> Primary Residence - HOA information provided (XXX - monthly fee) whichXXXs added toXXXlculation. <br>XXX - The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX<br>Income - XX,XXX<br> Subj PITI - X,XXX<br> Primary Residence - X,XXX<br> Liabilities - X,XXX<br> Rental Liabilities - XXX<br>XX,XXX / XX,XXX = XXX<br>The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX<br> DTI breakdown: <br>XXX – Subject PITI<br> XXX – Primary PITI<br> XXX – Liabilities (XXX XXX - XXX CU XXX - XXX & XXX - One XXX - XXX = Total XXX)<br> XXX – Rental Liabilities (XXX K - - XXX XXX-XXX G - - XXX XXX Serenbe - - XXX = Total - XXX) <br> XXX – Income<br>XXX + XXX + XXX + XXX = XXX / XXX = XXX DTI<br>XXX - XXX - Subj PITI - The HOA fees (XXX) were not included in theXXXlculation (First Payment Letter). <br> Primary Residence - HOA information provided (XXX - monthly fee) whichXXXs added toXXXlculation. <br>XXX - The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX<br>Income - XX,XXX<br> Subj PITI - X,XXX<br> Primary Residence - X,XXX<br> Liabilities - X,XXX<br> Rental Liabilities - XXX<br>XX,XXX / XX,XXX = XXX<br>XXX - Subj PITI - The HOA fees (XXX) were not included in theXXXlculation (First Payment Letter). <br> Primary Residence - HOA information provided (XXX - monthly fee) whichXXXs added toXXXlculation. <br>XXX - The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX<br>Income - XX,XXX<br> Subj PITI - X,XXX<br> Primary Residence - X,XXX<br> Liabilities - X,XXX<br> Rental Liabilities - XXX<br>XX,XXX / XX,XXX = XXX<br>| XXX | Exception resolved | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023010001 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | The file contains X full appraisals. XXX not required. Exception cleared. Third Party Valuation Product Not Provided and CU Score is XX. | File has two full appraisal. TPV not required. Exception cleared. | File has two full appraisal. TPV not required. Exception cleared. |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010001 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. Housing history does not meet guidelines. Housing history of XXX exceeds delinquency allowance inXXX. Lender approved exception citing low front-end ratio and residual income as compensating factors. | Client provided exception approval |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010001 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Change severity of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Material to Non-Material. Exception approved by lender to allow XX LTV/CLTV. Lender cited XX front end DTI as being XX below the program maxium, XXk per month in residual income as the compensating factors. Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. | Client provided exception approval |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010001 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material. Exception approved by lender to allow XX LTV/CLTV. Lender cited XX front end DTI as being XX below the program maxium, XXk per month in residual income as the compensating factors. Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXX and value used for LTV of ___. | Client provided exception approval |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010001 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010007 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: Acreage exceeds maximum allowed by product. | Client provided exception approval. |  | Change severity of 'Appraisal guideline violation' from Material to Non-Material. Client provided guideline exception allowing for acreage exceeding maximum allowed by product based on XXX FICO, no lates ever on credit back to XXX and XXX more reserves than required. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010007 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. |  |  | Borrower(s) have met the minimum tradeline requirement per lender guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010007 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010027 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023010027 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XX (Total Income of XXXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XX | Received LOX email with a copy of the final XXX and final XXX. Original UW provided additional notes on the LOX. The subject property/residential/additional investment property were notXXXlculated properly. Exception cleared. | Received LOX email with a copy of the final XXX and final XXX. Original UW provided additional notes on the LOX. The subject property/residential/additional investment property were notXXXlculated properly. Exception cleared. | The back-end DTI of XX (Total Income of XXX, Orig PITI of XXXX, Monthly debt of XXXX) is not greater than the maximum allowable per AUS of XX | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023010054 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010054 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010054 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. <br> LenderXXXs : X trade lines reporting for ≥ XX month or X trade lines reporting for ≥ XX months with activity in the past XX months.<br> BR has X tradelines reporting for XX months. Lender approved exception in file on page XXX. |  |  | Change severity of 'Minimum Trade Line Requirement Not Met' from Material to Non-Material. Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for X tradelines reporting for XX months based on no lates on credit since DTI< XX, LTV XX, residual income XXk. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010045 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010045 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010045 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010014 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010014 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010041 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010041 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval |  |  | Change status of 'Borrower Income Verification does not match Approval' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for X NSFs based on borrower having a XXX FICO and no derogatory credit since inception. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010037 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: Change severity of 'Appraisal guideline violation' from Material to Non-Material. Rural property is ineligible. Lender approved exception citing XXX FICO, and the borrower is a seasoned XXX who owns multiple investment properties as compensating factors. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client. | Client provided exception approval |  | Change severity of 'Appraisal guideline violation' from Material to Non-Material. Rural property is ineligible. Lender approved exception citing XXX FICO, and the borrower is a seasoned XXX who owns multiple investment properties as compensating factors. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. B A |
| 2023010037 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. Housing history does not meet guidelines. Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. Borrower rents, and only has X month housing history. The lender approved the exception citing a XXX FICO as the compensating factor. | Client provided exception approval |  | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. Borrower rents, and only has X month housing history. The lender approved the exception citing a XXX FICO as the compensating factor. Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. B A |
| 2023010037 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. B A |
| 2023010016 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010016 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010035 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010035 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010030 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TX Constitution A6 Required Fees Test | Provide Final Settlement Statement or list of exempt fees for APR testing. Current threshold shows an increase of XXX in required fees. This loan failed the required fees test. (Texas Constitution, Article XX, Section XX (a)(X)(E) &amp (t)(X), asXXX. XXX)The loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed X of the original principal amount, excluding fees for: An appraisal performed by a third party appraiser A property survey performed by a state registered or licensed surveyor A state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. |  |  | This loan passed the required fees test. (Texas Constitution, Article XX, Section XX (a)(X)(E) &amp (t)(X), asXXX. XXX)The loan requires the borrower(s) to pay, in addition to interest or any XXXfide discount points used to buy down the interest rate, any fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that do not exceed X of the original principal amount, excluding fees for: An appraisal performed by a third party appraiser A property survey performed by a state registered or licensed surveyor A state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. the fee's are outlined below. Providing a Start rate or Discount Point acknowledgement, the Discount Points could be excluded and it would clear that exception.<br>All fees were borrower paid:<br>• Application Fee - XXX<br> • State – Texas Document Review Fee - XXX<br> •XXXood Certification - XXX<br> • Origination Fee - XXXX<br> • Recording Fees - XXX<br> • XX of Loan Amount (Points) - XXXX<br> • Processing Fees - XXX<br> • Title – Recording Services - XX<br> • Title – Settlement Fee - X XXX<br> • Title – Courier Messenger Fees - XXX<br> • Title – Tax Certificate - XXX<br> • Title – Guaranty Fee - XX | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010030 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010031 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Neither the insurance company nor the appraiser provided a replacement cost for the subject property. The hazard coverage provided of XXX is less than the loan amount and coverage only goes up to the amount bound, there is no extension of coverage noted in the policy. Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided. | X/XXX - Received LOX w/ replacement cost estimator. Replacement Cost shows coverage amount is XXX. Exception cleared. | XXX | Hazard insurance coverage is sufficient. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010031 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). File XXXInitial LE XXX |  |  | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010031 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(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 XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). File XXXInitial LE XXX |  |  | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010031 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | 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 reimbursementXXXlculations. File XXXInitial LE XXX |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested 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 reimbursementXXXlculations. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010031 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XX CFR XXX(e)(X)(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 forXXXrrying 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 X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(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 XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. File XXXInitial LE XXX |  |  | This loan passed the initial loan estimate delivery date test (from application).(XX CFR XXX(e)(X)(iii)(A))The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(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 XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010031 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. File XXXInitial LE XXX |  |  | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010046 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010046 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX. | This pertains to the Front-end Ratio, which has a XX max. Borrower's Housing Ratio is XXX Lender approved the exception, citing XXX FICO and no derogatory credit ever as the compensating factors. | XXX |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010028 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XX XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX |  |  | The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XX XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XX XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX XXX - Updated note from UW with Credit Risk Summary showing the Updated DTI is XXX . | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 2023010028 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 2023010050 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010050 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010050 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010051 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010051 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010051 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010026 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010026 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | eSigned Documents Consent is Missing | The eSigned documents consent is Missing. |  |  | The eSigned documents consent is Present. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010026 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed |  | Cleared | Compliance | Home Loan | Home Loan<br> (RI HB XXX § X, RI § XX-XX-X (m))<br> The loan is a home loan, as defined in the legislation, due to one of the following findings:<br> The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling orThe loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010026 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed |  | Cleared | Compliance | Potential Predatory Loan | Potential Predatory Loan (RI Providence ORPL § X (a) "predatory loan") <br>The loan is a potential predatory loan due to one or more of the following findings:<br> The loan is a "home loan" as defined in RI § XX-XX-X(m) orThe loan is a "high-cost home loan" as defined in RI § XX-XX-X(l).<br> In addition to being a "home loan" or "high-cost home loan," there are various factors that contribute to a loan becoming a "predatory loan," but many of theseXXXnnot be quantified. Please see the alert text (below) for more information. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010026 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed |  | Cleared | Compliance | State Defined Home Loan | Home Loan (RI Providence ORPL § X (a) "predatory loan") , (RI HB XXX § X, RI § XX-XX-X, § XX-XX-X (m)) <br>The loan is a home loan, as defined in RI § XX-XX-X, due to one of the following findings:<br> The loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures designed principally for occupancy of from one to four families which is or will be occupied by a borrower as the borrower's principal dwelling orThe loan is secured by a security interest on a manufactured home which is or will be occupied by a borrower as the borrower's principal dwelling. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010029 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Liquid Reserves (Dollar Amount) are less than AUS Minimum Required | The liquid reserves of - XXXX are less than the minimum required per AUS of XXX. |  |  | The liquid reserves of XXX are greater than or equal to the AUS minimum required of XXX. The liquid reserves of XX are less than the minimum required per AUS of XXX. XXX - Received clarification of Reserve funds. Bwr closed on another REO and used theXXXsh Out Funds (XXXXXX) as reserves for this loan. CD/Note provided. <br> XX/X/XX - The liquid reserves of - XXXX are less than the minimum required per AUS of XXX. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 2023010029 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | InsufficientXXXsh to close. | Cash to close in the amount of XXXXXX is greater than the available asset amount of XXX. |  |  | SufficientXXXsh to close is documented.XXXsh to close in the amount of XXXXXX is greater than the available asset amount of XXXXXX. XXX - Received clarification of Reserve funds. Bwr closed on another REO and used theXXXsh Out Funds (XXXXXX) as reserves for this loan. CD/Note provided. <br> Cash to close in the amount of XXXXXX is greater than the available asset amount of XXX. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 2023010029 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. C A |
| 2023010032 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010032 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010039 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010039 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010011 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower Income Verification is less than 12 months | . Borrower Income Verification of XX is less than XX months. Income Verification of ___ is greater than XX months. |  |  | DSCR - No incomeXXXlculated. . | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010011 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010042 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | XXXLLC documentation - for XXX LLC operating agreement | LLC documentation is not required. Bank Statement loan with Business documentation and Bank Statement Questionnaire provided. Exception cleared. | LLC documentation is not required. Bank Statement loan with Business documentation and Bank Statement Questionnaire provided. Exception cleared. | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010042 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Unresolved derogatory credit | Borrower has unresolved derogatory credit. Credit report page XXX and XXX shows three (X)XXX collection accounts IAO XXX and two (X) charge off accounts (purchased by other)- outsideXXX and within past two years- XXXexception for these collection accounts. | Per CRSE, client acknowledges: Credit: Credit Score does not meet program requirements. Actual - XXX Other Credit: Collection/Charge Off - Result of Credit/Identiy Fraud. XX LTV max, pgrm max is XX >XX mos post closing (cash out) >XXk residual income, pgrm min is XXX XX yrs stable employment. Acknowledged by Client. | Per CRSE, client acknowledges: Credit: Credit Score does not meet program requirements. Actual - XXX Other Credit: Collection/Charge Off - Result of Credit/Identiy Fraud. XX LTV max, pgrm max is XX >XX mos post closing (cash out) >XXk residual income, pgrm min is XXX XX yrs stable employment. Acknowledged by Client. | Change severity of 'Unresolved derogatory credit' from Material to Non-Material. Per CRSE, client acknowledges: Credit: Credit Score does not meet program requirements. Actual - XXX Other - Credit: Collection/Charge Off - Result of Credit/Identity Fraud. Compensating Factors: XX LTV max, pgrm max is XX >XXmos post closing (Cash Out) >XXk residual income, pgrm min is XXX' XX yrs stable income. Acknowledged by Client. Change status of 'Unresolved derogatory credit' from Active to Acknowledged by Client.<br> Per CRSE, client acknowledges: Credit: Credit Score does not meet program requirements. Actual - XXX Other - Credit: Collection/Charge Off - Result of Credit/Identity Fraud. Compensating Factors: XX LTV max, pgrm max is XX >XXmos post closing (Cash Out) >XXk residual income, pgrm min is XXX' XX yrs stable income. Acknowledged by Client. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010042 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010042 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Partial | The transmittal summary is Partial - XXXAO Credit Review Summary Exception. | Received CRSE on loan. Exception cleared. |  | The transmittal summary is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010043 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Primary is free and clear however, no paid mtg on credit bureau and no exception in file for no XX month VOM. Housing history does not meet guidelines. Housing delinquency meets guidelines. Primary Free and Clear just escrows, released in file | Received LOX and confirmation - proeprtyXXXs owned by our borrower jointly with her spouse XXX. Only DavisXXXs on the loan note, therefore our borrowerXXX did not have a mortgage liability for the past XX months. Her HOA dues were paid monthly and on time and the payment history follows as well as a copy of the loan note. Exception cleared. | Received LOX and confirmation - proeprtyXXXs owned by our borrower jointly with her spouse XXX. Only DavisXXXs on the loan note, therefore our borrowerXXX did not have a mortgage liability for the past XX months. Her HOA dues were paid monthly and on time and the payment history follows as well as a copy of the loan note. Exception cleared. | Housing delinquency meets guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010043 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010022 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010022 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010022 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010024 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Active | Compliance | Interest Rate Test | This loan failed the interest rate test.<br> The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010024 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010024 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010024 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010033 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Residual income does not meet guidelines. | Residual income of XX XXX does not meet minimum guidelines. Approval in place. Page XXX | Client provided exception approval. |  | Change severity of 'Residual income does not meet guidelines.' from Material to Non-Material. Client provided guideline exception allowing for XXX in residual income based on no lates in XX months and LTV of XXX. Change status of 'Residual income does not meet guidelines.' from Active to Acknowledged by Client. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010033 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | XXXFide Discount Points Test | This loan failed the XXXfide discount points test. (NC §XX-XA (c)(X)(b))<br> The loan is a first lien mortgage and has a principal amount that is greater than or equal to XX,XXX and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a XXXfide reduction of the interest rate.<br>Points are treated as paid for the purpose of reducing, and in fact result in a XXXfide reduction of the interest rate, if they are marked as "XXX." |  |  | This loan passed the XXXfide discount points test. (NC §XX-XA (c)(X)(b))<br> The loan is a first lien mortgage and has a principal amount that is greater than or equal to XX,XXX and charges discount points that are paid for the purpose of reducing, and in fact result in a XXXfide reduction of the interest rate.<br>Points are treated as paid for the purpose of reducing, and in fact result in a XXXfide reduction of the interest rate, if they are marked as "XXX." | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010034 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010040 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010040 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010038 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided | CU score X and XXXthird party valuation to support appraised value. | Secondary Product Provided | XXX | Exception resolved | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. D A |
| 2023010038 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. D A |
| 2023010017 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010017 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010017 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. |  |  | Third Party Valuation Product Provided. Change status of 'Third Party Valuation Product Not Provided and CU Score is Greater Than X' from Active to Revoked.<br> Per Lender Guidelines, not applicable loan amount is less than XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010017 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.' from Active to Revoked.<br> Per Lender Guidelines, not applicable loan amount is less than XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010047 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | MIXXX Mortgage Loan Finding | Mortgage Loan<br> (MIXXX XXX Sec. X (d))<br> The loan is a mortgage loan as defined in MIXXX XXX due to the following findings:<br> The property is used as the borrower's principal dwelling.The property is designed for occupancy by X or fewer families.The proceeds are not used to acquire the dwelling.The loan is not an open-end credit plan. |  |  | Change severity of 'MIXXX XXX Mortgage Loan Finding' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010047 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010047 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Change severity of 'Minimum Trade Line Requirement Not Met' from Material to Non-Material. Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.<br> Borrower tradeline deficit exception approved by lender, citing no derog credit since XX LTV Borrower(s) have not met the minimum tradeline requirement per lender guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010047 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010047 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Borrower filed CH XX in X/ CH X in XXXX. Per Guidelines, more than one bankruptcy filing within X years requires a XX month seasoning. | Received LOX (confirmed with Guidelines) - XXXses were Dismissed - that negates them so there is no bankruptcy action on file for either Chapter X or XX. Exception cleared. | Received LOX (confirmed with Guidelines) - XXXses were Dismissed - that negates them so there is no bankruptcy action on file for either Chapter X or XX. Exception cleared. | Housing delinquency meets guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010048 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. D A |
| 2023010048 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. D A |
| 2023010005 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010005 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010036 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per LenderXXXTPV not required. |  | Per Lender Guidelines, not applicable loan amount is less than XXX and CU score is X. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010036 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010036 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010009 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010009 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010019 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010019 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010049 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010049 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010049 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010044 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test |  | Received LE dated XXX w/ COC CD dated X/XXXX w/ COC and CD dated X/XXXX w/ COC. Updating loan accordingly. |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010044 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test |  | Received LE dated XXX w/ COC CD dated X/XXXX w/ COC and CD dated X/XXXX w/ COC. Updating loan accordingly. |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010044 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010044 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | Per Disclosure Tracking Summary Final LE XX/X/XX and initial CD XXX missing. Need evidence borrower received CD X business days to consummation XXX | Received LE dated XXX w/ COC CD dated X/XXXX w/ COC and CD dated X/XXXX w/ COC. Updating loan accordingly. |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010044 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | Tolerance in the amiount of X,XXX for the addition of the Discount Points per XXX COC, increase in Loan Origination fee per XXX COC and increase in Appraisal fee per COC XXX. Per Disclosure Tracking Details, corresponding LE XXX, CDs XXX and XXX are needed. | Received LE dated XXX w/ COC CD dated X/XXXX w/ COC and CD dated X/XXXX w/ COC. Updating loan accordingly. |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010023 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010020 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010020 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Active | Credit | Initial Credit Application is Not Executed | The initial credit application is Not Executed |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010052 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. | Client provided a guideline exception allowing for payment shock over XXX based on XXX credit score, no lates in X years, low DTI below XX and LTV of XX Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. | Client provided a guideline exception allowing for payment shock over XXX based on XXX credit score, no lates in X years, low DTI below XX and LTV of XX Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. | Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client.<br> Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010052 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010052 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010058 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010058 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010382 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per LenderXXXTPV not required |  | Per Lender Guidelines, not applicable loan amount is less than XXX and CU score is X. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010382 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010382 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010383 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXXXXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. The replacement cost of the dwelling is XXX per the appraiser. The insurance coverage in the amount of XXX,XXX also contains an extension clause of XX, bringing the total coverage available to XXX which is sufficient. Exception cleared. |  |  | Hazard insurance coverage is sufficient. The replacement cost of the dwelling is XXX per the appraiser. The insurance coverage in the amount of XXX,XXX also contains an extension clause of XX, bringing the total coverage available to XXX which is sufficient. Exception cleared. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010383 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010384 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010384 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010152 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010152 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010388 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010388 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010404 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010404 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010159 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010159 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010144 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | XXXHOI on the primary residence. Borrower liabilities verified indicator is Partial | Clear during QC |  | Borrower liabilities verified indicator is Present | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010144 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010157 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010157 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010055 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Please provide HOI & Property tax Information for Primary Residence XXX XXX Rd per Guidelines. Housing history does not meet guidelines. |  |  | Housing delinquency meets guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010055 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010055 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Overdraft/NSF Count Exceeds Tolerance | Change severity of 'Overdraft/NSF Count Exceeds Tolerance' from Material to Non-Material. Change status of 'Overdraft/NSF Count Exceeds Tolerance' from Active to Acknowledged by Client. Overdraft/NSF count exceeds tolerance. Approved Exception for X NSF in < XX months. Compensating Factors: Fico Housing Payment Decreased by approx XXX per month and XX LTV, program max is XX. | Client provided exception approval |  | Change severity of 'Overdraft/NSF Count Exceeds Tolerance' from Material to Non-Material. Change status of 'Overdraft/NSF Count Exceeds Tolerance' from Active to Acknowledged by Client. Overdraft/NSF count exceeds tolerance. Approved Exception for X NSF in < XX months. Compensating Factors: Fico Housing Payment Decreased by approx XXX per month and XX LTV, program max is XX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010056 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | N/O/O limited to XX LTV onXXXsh out per XXX. No exception approval present Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXXXXX and value used for LTV of XXX. |  |  | Original LTV of XXX adheres to the guideline maximum LTV of XXX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010056 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | N/O/O limited to XX LTV/CLTV onXXXsh out per XXX. No exception approval present Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. |  |  | Original CLTV of XXX adheres to the guideline maximum CLTV of XXX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010056 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXXX is not sufficent. The subject loan amount is XXXXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. The state ofXXXida enacted a statute effective XXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception Cleared. |  |  | Hazard insurance coverage is sufficient. The state ofXXXorida enacted a statute effective XXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Exception Cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010056 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.<br> Modification within XX months of subject loan. Lender approved the exception as covid related in XXX and cited XXX FICO, clean payment record across the board, and > XX months reserves as the compensating factors. | Client provided exception approval |  | Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010056 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010389 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010389 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010153 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial Final XXX for Both Borrowers does not reflect housing length of time nor that the borrowers owns the subject property. Loan is a NoXXXsh Out Refinance. |  |  | Final Loan Application is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010153 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Appraisal guideline violation | Appraisal guideline violation: Report reflects "As Is' however Appraisal pictures reflect construction being done on front & rear of subject property. | Received LOX - Appraisal shows "As Is". Construction is not being completed on the house but the landscaping areas and/orXXXlkways. Exception cleared. | Received LOX - Appraisal shows "As Is". Construction is not being completed on the house but the landscaping areas and/orXXXlkways. Exception cleared. | Appraisal guideline violation is now acceptable. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010153 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010390 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010390 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Title Issues Present | The following issues were noted: Page XXX Title requirement #X, satisfaction of judgement. No proof in file this judgement has been removed from title or satisfied. | Received Aff to Judgment/Lien. Reviewed document - exception cleared. | Received Aff to Judgment/Lien. Reviewed document - exception cleared. | The exception 'Title Issues Present' is cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010149 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010149 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. CU score X, loan amount < XXX, clear XXX exception. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010149 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010393 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010393 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010143 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval X businesses, XX mos XXXlcs pg XXX and XXX. Analysis for petroleum business indicates XX NSF/OD items requiring an exception approval. No exception approval found in file. |  |  | The borrower income verification does match approval | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010143 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. X businesses, XX mos XXXlcs pg XXX and XXX. Analysis for petroleum business indicates XX NSF/OD items requiring an exception approval. No exception approval found in file. | Received LOX regarding the NSF items. |  | Overdraft/NSF Count does not exceed tolerance. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010143 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010391 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Partial | XXXFinal XXX and CRS. Loan amount stated on XXX & CRS is XXX while loan amount on Note and Final CD is XXX. | XXX received |  | The transmittal summary is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010391 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.<br> Client provided guideline exceptions allowing X months in reserves based on XXX / XXX DTI, borrower's XX years employer/business stability, monthly housing payment decreasing by - XXX. payment shock of X. residual income of XXX and qualifying LTV of XXX. The liquid reserves of XX months or XXXX, are less than the Guidelines minimum required of XXXXX or XXXXXX. | Client provided exception approval |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010391 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010156 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010156 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Appraisal guideline violation | Appraisal guideline violation: Per Guidelines, InvestmentXXXsh out, property is not allowed to be vacant. Appraisal states Vacant and property is listed onXXX Sta Vacation Rentals. |  |  | Appraisal guideline violation is now acceptable. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010156 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.<br> Approved Exception for XXX Compensating Factors: reserves of XXX months verified and Qualifying LTV is XXX | Client provided exception |  | Change severity of 'Minimum Trade Line Requirement Not Met' from Material to Non-Material. Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client. Borrower(s) have not met the minimum tradeline requirement per lender guidelines. <br> Approved Exception for XXX Compensating Factors: reserves of XXX months verified and Qualifying LTV is XXX<br> The exception status is currently Acknowledged by Client. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010387 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Minimum Trade Line Requirement Not Met | Borrower liabilities verified indicator is Partial - tradelines do not meetXXXXX indicate X tradelines required only X tradelines open > XX months with activity within last XX months. two tradelines Boeing and Fed Stu Loan Borrower(s) have not met the minimum tradeline requirement per lender guidelines.  | Received LOX showing additional accounts for trade lines. Re-reviewed the Credit Report Comparison and confirm - more than X accounts are active. Exception cleared. | Received LOX showing additional accounts for trade lines. Re-reviewed the Credit Report Comparison and confirm - more than X accounts are active. Exception cleared. | Borrower(s) have met the minimum tradeline requirement per lender guidelines. | XXX | Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. A |
| 2023010387 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. A |
| 2023010392 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010392 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Transmittal Summary is Missing | The transmittal summary is Missing.XXXnnot locate final XXX. | Final XXX received. Verified information to ensure all details matched. | Final XXX received. Verified information to ensure all details matched. | The transmittal summary is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010392 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection. FEMA declared Miami- Dade county in a disaster area (surfside) on X/XX/ with a release date of XXX. The appraisal in file is dated X/XXXX and shows no damage. Exception is for informational purposes only. | Cleared during QC |  | Post disaster inspection confirms no property damage | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010145 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010145 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. |  |  | Per guidelines, TPV not required. CU Score is XX. Exception cleared. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010145 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. |  |  | Per guidelines, TPV not required. CU Score is XX. Exception cleared. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010145 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Right toXXXncel Transaction Date is different from the Transaction Date | The right toXXXncel transaction date of XXX is different from the note date of X/XXXX | Received LOX: "For some reason the escrow company did not have the clients sign the full package initially. So we had the clients properly sign the complete package as soon as we reliazed." Additional documents supporting this action were provided | Received LOX: "For some reason the escrow company did not have the clients sign the full package initially. So we had the clients properly sign the complete package as soon as we reliazed." Additional documents supporting this action were provided | Change severity of 'Right toXXXncel Transaction Date is different from the Transaction Date' from Material to Non-Material. Change status of 'Right toXXXncel Transaction Date is different from the Transaction Date' from Active to Acknowledged by Client.<br> X/XXX - Received LOX: "For some reason the escrow company did not have the clients sign the full package initially. So we had the clients properly sign the complete package as soon as we reliazed." Additional documents supporting this action were provided. Exception - Acknowledged by Client. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010258 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Security Instrument Indicator is Missing | The security instrument indicator is Missing |  |  | The security instrument indicator is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010258 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Right toXXXncel is Missing | The right toXXXncel is Missing |  |  | The right toXXXncel is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010258 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Signed XXX is missing | Borrower X XXXsigned XXXt |  |  | Signed XXXt proviided. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010258 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Missing | Final loan application is Missing |  |  | Final loan application is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010258 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is greater than or equql to the minimum required guideline FICO of XXX. Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX. | Client provided exception approval |  | Change severity of 'Underwriting FICO does not meet Guideline Minimum Required' from Material to Non-Material. Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.<br> Client provided guideline exception allowing for FICO score of XXX based on XXXXX DTI, XX months reserves, residual income of XX,XXX and XXX LTV. Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010258 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Income Verification does not match Approval | The borrower income verification does match approval- UW reduced BS income with large deposits- DTI within acceptable variance. The borrower income verification does not match approval. Lender did not exclude deposits not typical of business or obtain letter of explanation: XX,XXX deposit in July and X,XXX in May. | Client provided exception approval |  | Change severity of 'Borrower Income Verification does not match Approval' from Material to Non-Material. Change status of 'Borrower Income Verification does not match Approval' from Active to Acknowledged by Client.<br> Client provided guideline exception allowing for XX months income with FICO score of XXX based on XXXXX DTI, XX months reserves, residual income of XX,XXX and XXX LTV. The borrower income verification does not match approval. Guidelines require Minimum Credit score of XXX for XX months of income documentation. Borrower FICO XXX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010381 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval : XXXbusiness questionaire |  |  | The borrower income verification does match approval | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010381 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.<br> Lender exception provided for X months of reserves. Lender guidelines require X months of reserves. Exception based on FICO housing payment decreasing XXX, residual income XX, LTV XXX. The liquid reserves of XX months or XXXXX, are less than the Guidelines minimum required of XX or XXXXX. Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. | Client provided exception approval |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010381 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010395 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010395 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | CoBorrower Employment Verification does not meet guidelines | XXX XXX AXXX | XXX XXX and XXX Supply provided. Exception cleared. | XXX XXX and XXX Supply provided. Exception cleared. | XXX XXX and XXX Supply provided. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010395 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial - provide evidence of primary being free and clear and proof of taxes and insurance. Provide final CD for recent/ concurrent refinance of primaryXXX AveXXX to verifyXXX. File only contains LE page XXX. Paying off XXX XXX coml loan with XXX and business pays however XXXT&I for XXX XXX and proof business pays. (see DTI exception) with inlcuded T&I for XXX XXX in DTI | Received LOX with documentation supporting the payment of property located at XXX being paid for by the business. Final CDs, Tax Bills, Insurance Policies, etc. all provided for the REO Properties and current residence. Reviewing/updating the loan accordingly. | Received LOX with documentation supporting the payment of property located at XXX being paid for by the business. Final CDs, Tax Bills, Insurance Policies, etc. all provided for the REO Properties and current residence. Reviewing/updating the loan accordingly. | Borrower liabilities verified indicator is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010395 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX. Provide proof of business taxes and insurance for XXX XXX Avenue and proof business pays to remove T&I from DTI bus coml mtg being paid off in this refinance however including T&I for XXX XXX Ave to DTI creates DTI outside max XXXX- auditXXXlculates DTI as XXX/ XXX. | Received LOX with documentation supporting the payment of property located at XXX being paid for by the business. Final CDs, Tax Bills, Insurance Policies, etc. all provided for the REO Properties and current residence. Reviewing/updating the loan accordingly. | Received LOX with documentation supporting the payment of property located at XXX being paid for by the business. Final CDs, Tax Bills, Insurance Policies, etc. all provided for the REO Properties and current residence. Reviewing/updating the loan accordingly. | Documentation provided to support Qualifying DTI below XXX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010395 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial- final XXX discrepancy as listed primary address is XXX Provincetown Ct (subject), while schedule of properties lists primary asXXX AveXXX lender to correct XXX to list priamry asXXX AVeXXX and provide utility billing of verification. |  |  | Final Loan Application is Present | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010395 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval- need documentation to support XXX lender comment about ADU income- IAO XX XXX and to further clarify if for primary residence atXXX AveXXX LOE to explain and further clarify this income versus other REO income added for Jarvis andXXXenhurst only bus pays XXX and no pos rents added XXXsupporting ADU income IAO of XX XXX to verify and confirm audit DTI= XXX/ XXX | Copy of Lease Agreement forXXX Ct provided with a start date of XXX through XXX. Exception cleared. | Copy of Lease Agreement forXXX Ct provided with a start date of XXX through XXX. Exception cleared. | The borrower income verification does match approval per XXX lender granted income exception for primary ADU but no documentation in file. DTI variance noted and outsideXXXs. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010396 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. Per Lender guidelines, not applicable loan amount is less than XXX and XXX & Rep Warrant is Eligible. Exception cleared. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010396 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010396 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010160 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010160 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010161 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010161 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010166 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010166 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | Borrower Employment Verification does not meet guidelines | Received documentation for High and XXX properties. Per client, borrower does not own XXX St. Pending documentation confirming. <br> Received documentation on XXX St showing Bwr does not own property. Exception cleared. |  | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. Received documentation for High and XXX properties. Per client, borrower does not own XXX St. Pending documentation confirming. Please provide TAX & HOA (If applicable) for the following properties:<br> XXX High St<br> XX XXX Ave<br> XXX XXX Ave<br>Provide HOI, TAX & HOA (If applicable) for property:<br> XXX XXX St Update | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010057 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. Per lender guidelines, not applicable. CU score is X. Exception cleared. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010057 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010057 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010400 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010400 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010015 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010015 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010018 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010018 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010163 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010163 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010164 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010164 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | Borrrower XXX QuickXXXlc Worksheet. There are X QuickXXXlc Lender income sheets in the file pg XXX and both expired XXX. Note Date is XXX. | Received copy of QuickXXXlc expiring X/XX/ CRSE, and final XXX. Income matches and verified. Exception cleared. | Received copy of QuickXXXlc expiring X/XX/ CRSE, and final XXX. Income matches and verified. Exception cleared. | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010401 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines |  |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010401 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010401 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Title Issues Present | The following issues were noted: final CD, tax cert and appraisal show current owners tax rate- per XXX County county real property tax rate is .XXX sale price X,XXX,XX = XXX yearly - XXX monhtly CD shows current owners tax rate XXX or XXX monthly. | Received LOX for Tax Cert. Appraisal shows RE/Taxes of #XXX-tax bill available also shows tax bill of XXX. Homeowner's exception will be allowed for our borrower on the next tax cycle. Tax figures used were provided by title and appraisal and county tax bill. Tax bill for XXX-XXX not available at this time. | Received LOX for Tax Cert. Appraisal shows RE/Taxes of #XXX-tax bill available also shows tax bill of XXX. Homeowner's exception will be allowed for our borrower on the next tax cycle. Tax figures used were provided by title and appraisal and county tax bill. Tax bill for XXX-XXX not available at this time. | The exception 'Title Issues Present' is cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010060 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010181 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material. Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client.<br> Client provided guidelines exception allowing payment shock exceeding guideline minimum based on qualifying CR score of XXXXX DTI ratio, XX years employment stability, verified reserves of XX months, residual income of XXX and qualifying LTV of XX. Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. Per Lender Guidelines, payment shock maximum is XXX. Borrower's current payment shock percentage is XXXX. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010181 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010409 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010409 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010179 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A C |
| 2023010179 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A C |
| 2023010403 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D C A |
| 2023010403 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. |  |  | Please provide FNMA/FHLMC UCDP with CU score of X or less OR FHLMC Eligible OR Third Party Review. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D C A |
| 2023010403 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | 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 reimbursementXXXlculations. File XXXassociated CD, to COC XXX | Received CD dated X/XXXX and CD dated X/XXXX w/ corresponding COC. Updating loan accordingly. | Received CD dated X/XXXX and CD dated X/XXXX w/ corresponding COC. Updating loan accordingly. | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D C A |
| 2023010403 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar 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 allXXXlendar 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 allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. Per Disclosure Tracking Summary Initial CD XX/XX is XXXfrom file | Received CD dated X/XXXX and CD dated X/XXXX w/ corresponding COC. Updating loan accordingly. | Received CD dated X/XXXX and CD dated X/XXXX w/ corresponding COC. Updating loan accordingly. | This loan passed the initial closing disclosure delivery date test.(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D C A |
| 2023010403 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). Transfer Fee add on final CD XX/XX/ COC XX/XXXX address the fee, file XXXassociated CD | Received CD dated X/XXXX and CD dated X/XXXX w/ corresponding COC. Updating loan accordingly. | Received CD dated X/XXXX and CD dated X/XXXX w/ corresponding COC. Updating loan accordingly. | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D C A |
| 2023010403 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). COC dated XX/XXXX address the Recording mortgage Fee increase, file XXXassociated CD | Received CD dated X/XXXX and CD dated X/XXXX w/ corresponding COC. Updating loan accordingly. | Received CD dated X/XXXX and CD dated X/XXXX w/ corresponding COC. Updating loan accordingly. | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D C A |
| 2023010403 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. COC XX/XX support fees increase, File XXXassociated CD | Received CD dated X/XXXX and CD dated X/XXXX w/ corresponding COC. Updating loan accordingly. | Received CD dated X/XXXX and CD dated X/XXXX w/ corresponding COC. Updating loan accordingly. | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D C A |
| 2023010175 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010175 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010407 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010407 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010407 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar 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 allXXXlendar 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 allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. Initial CD is XXXfrom file - Per Disclosure Tracking Summary XXX. Initial XXXCD XXX. | Received CD dated X/XXXX. Updating loan accordingly. Initial CD is XXXfrom file - Per Disclosure Tracking Summary XXX. Initial XXXCD XXX. | XXX | This loan passed the initial closing disclosure delivery date test.(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010185 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010185 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010406 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010406 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XXX years at job. A |
| 2023010410 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Change status of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Client provided guideline exception allowing for DTI greater than XX based on XXX fico, qualifying LTV XX, payment shock XXX and same line of business X years and resincome of XXXX. Change severity of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Material to Non-Material. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010410 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010183 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010183 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard coverage is XXX with extended coverage up to XXX,XXX. The appraiser's estimated cost of replacement is XXX,XXX. Coverage is inadequate. Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance companyXXXs not provided. | Received copy of RCE showing Replacement Cost Estimator being XXX. Per HOI Policy - XXX Extended Replacement Cost of XXX,XXX. | Received copy of RCE showing Replacement Cost Estimator being XXX. Per HOI Policy - XXX Extended Replacement Cost of XXX,XXX. | Hazard insurance coverage is sufficient. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010177 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010177 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010405 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010405 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Unresolved derogatory credit | Borrower has unresolved derogatory credit. credit report has collection account,XXX IAO XXX within last two years and dated XXX which is outsideXXXS | Per guidelines, if borrower has enough funds to cover any unresolved derogatory credits - theyXXXn be removed from theXXXlculation - exception cleared. | XXX | Borrower has no unresolved derogatory credit. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D C A |
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial- XXXtaxes and insurance for XXX SW XXXth Lane XXX Mtg statement not escrowed XXXupdated mortgage rating for XXX mortgage #XXX. | Received documentation on primary residence - confirmed exception cleared. | XXX | Borrower liabilities verified indicator is Present | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D C A |
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | OFAC CheckXXXs not completed/Cleared. | OFAC CheckXXXs not completed/cleared. Possible match found on OFAC for Broker, Elite Lending, not cleared on fraud report. | Received copy of OFAC Check. No open issues - Exception cleared. | XXX | OFAC CheckXXXs completed and cleared. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D C A |
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D C A |
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Employment Verification does not meet guidelines | VOE dated XXX- less than X years emp rating XXX employment date differs from VOE (XXX XXX versus VOE XXX) XXXtwo. X months to complete employment rating and since commission income must be in same line of work verification. | Received updated CRSE - Income-Employment History. Guideline - X years for commission income Actual - XX months averaged. Rationale - Borrower in same line of work just not X years with current company. Compensating Factors : Residual Income of XXX XXX-last XX months. Acknowledged by client. | XXX |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D C A |
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval- income less than XX months. XXX full years of commission income current employer income averaged XX months | Received updated CRSE - Income-Employment History. Guideline - X years for commission income Actual - XX months averaged. Rationale - Borrower in same line of work just not X years with current company. Compensating Factors : Residual Income of XXX XXX-last XX months. Acknowledged by client. | XXX |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D C A |
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D C A |
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Fraud Report Shows Uncleared Alerts | Fraud report shows the following alerts that have not been cleared: uncleared high alert- other loans registered in loan registry system not cleared Lender to certify no other loans for same borrower. | Documentation for primary residenceXXXs provided - clearing the fraud alerts outlined on the report. Exception cleared. | XXX | Alerts from Fraud Report have been cleared. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D C A |
| 2023010191 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: XXXproof of incoming gift funds IAO XXX sent directly to escrow. Gift funds per gift letter page XX. Received copy of wire in the amount of XXX. The gift letter shows a transfer in the amount of XXX (directly to Title Company). Please confirm the correct amount. | Received updated gift letter dated and signed on X/XXXX showing the correct amount of XXX being transferred to the title company. Exception cleared. <br> Received copy of wire in the amount of XXX. The gift letter shows a transfer in the amount of XXX (directly to Title Company). Please confirm the correct amount. | XXX | The exception 'Asset Documents are Incomplete' is cleared. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D C A |
| 2023010193 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. C A |
| 2023010193 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. C A |
| 2023010193 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. C A |
| 2023010188 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010188 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010412 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. |  |  | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Change severity of 'Higher-Priced Mortgage Loan' from Non-Material to Material. Escrow account established and acknowledgment of appraisal delivery provided. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010412 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010412 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | 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 reimbursementXXXlculations. This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | Received LOX with copy of COC dated X/XXXX. Updating loan accordingly. | Received LOX with copy of COC dated X/XXXX. Updating loan accordingly. |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | Received LOX with copy of COC dated X/XXXX. Updating loan accordingly. | Received LOX with copy of COC dated X/XXXX. Updating loan accordingly. |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Change severity of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Material to Non-Material. Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for LTV of XX based on no lates in last XX months on credit, XX months reserves, and the borrower having been in business for X years Original CLTV of XX adheres to the guideline maximum CLTV of XXX. Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. |  |  | Change severity of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Material to Non-Material. Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Lender provided guideline exception allowing for LTV to exceed program guideline based on no XX months in credit history, XX monthsXXX after closing and in same business X years. Underwriting CLTV of XXX is greater than the maximum allowable guideline CLTV of XXX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXXXXX and value used for LTV of XXXXX. Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material. Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for LTV of XX based on no lates in last XX months on credit, XX months reserves, and the borrower having been in business for X years Original LTV of XX adheres to the guideline maximum LTV of XXX. |  |  | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Lender provided guideline exception allowing for LTV to exceed program guideline based on no XX months in credit history, XX monthsXXX after closing and in same business X years. Underwriting LTV of XXX is greater than the maximum allowable guideline LTV of XXX based on a loan amount of XXXXXX and value used for LTV of XXXXX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | Tolerance violation due to an increase in the appraisal fees without a valid COC. | Received LOX with copy of COC dated X/XXXX. Updating loan accordingly. | Received LOX with copy of COC dated X/XXXX. Updating loan accordingly. | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010061 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX. Guidelines require a minimum FICO of XXX for a loan amounts over X, XXXX |  |  | Underwriting FICO of XXX is greater than or equql to the minimum required guideline FICO of XXX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010190 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Escrow account established, and appraisal receipt acknowledged within X days. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010190 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010414 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010414 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010413 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010413 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010413 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010189 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X | Escrow account established, and appraisal receipt acknowledged within X | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010189 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Third Party Valuation Product Not Provided and CU Score is XX. | Received CDA to cure. Exceptions cleared. |  | Third Party Valuation Product Provided. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010189 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Received CDA to cure. Exceptions cleared. |  | Third Party Valuation Product Provided. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010189 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Received CDA to cure. Exceptions cleared. |  | Third Party Valuation Product Provided | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | High-Cost Mortgage Date the Rate Was Set Validation Test | This loan failed the date the rate was set validation test. (XX CFR XXX(X)(i)(A), (C))This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. |  |  | Change status of 'High-Cost Mortgage Date the Rate Was Set Validation Test' from Cleared to Revoked.<br> Revoked, corrected date. This compliance test 'High-Cost Mortgage Date the Rate Was Set Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Non-Numeric XXX Error and Post-Consummation Revised Closing Disclosure Delivery Date Test | This loan failed the non-numeric clerical error and post-consummation revised closing disclosure delivery date test.(XX CFR XXX(f)(X)(iv))The post-consummation reason for redisclosure is "non-numeric clerical error" and the post-consummation revised closing disclosure delivery date is more than XXXXlendar days after the consummation date, or closing / settlement date if no consummation date was provided.Changes due to clerical errors. A creditor does not violate XXX if the disclosures provided under XXX contain non-numeric clerical errors, provided the creditor delivers or places in the mail corrected disclosures no later than XX days after consummation. |  |  | This compliance test 'Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | Tolerance violation due to an addition of discount points on the final CD XXX without a valid COC | X/XXXX - Per Disclosure Tracking and Verification of COC dated X/XXXX - an additional Closing Disclosure dated X/XXXXXXs provided to the Borrower. Provide a copy of the Closingd Disclosure dated X/XXXX. X/XXXX - Received COC and Closing Disclosure dated X/XXXX. Updating loan to clear exceptions. | XXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan passed the homeownership counseling organizations disclosure date test. (XX CFR XXX(a))The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. | Initial Loan App is dated XXX. Updating information. | XXX | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (XX CFR XXX(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided) orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.ThisXXXlculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(b) and as it relates to XXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan passed the initial loan estimate delivery date test (from application).(XX CFR XXX(e)(X)(iii)(A))The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(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 XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | Initial Loan App is dated XXX. Updating information. | XXX | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XX CFR XXX(e)(X)(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 forXXXrrying 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 X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(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 XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | Per the disclosure tracking summary the initial CDXXXs issued X/XX/ XXXfrom the file. | X/XXXX - Received COC and Closing Disclosure dated X/XXXX. Updating loan to clear exceptions. | XXX | This loan passed the initial closing disclosure delivery date test.(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | Tolerance violation due to an addition of discount points on the final CD XXX without a valid COC. | Received PCCD w/ letter, Fed Ex Return label and refund check in the amount of XX,XXX. Updating loan accordingly. <br> X/XXXX - Per Disclosure Tracking and Verification of COC dated X/XXXX - an additional Closing Disclosure dated X/XXXXXXs provided to the Borrower. Provide a copy of the Closingd Disclosure dated X/XXXX. X/XXXX - Received COC and Closing Disclosure dated X/XXXX. Updating loan to clear exceptions. | XXX | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XX,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). | Initial Loan App is dated XXX. Updating information. | XXX | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | Tolerance violation due to an addition of discount points on the final CD XXX without a valid COC | X/XXXX - Per Disclosure Tracking and Verification of COC dated X/XXXX - an additional Closing Disclosure dated X/XXXXXXs provided to the Borrower. Provide a copy of the Closingd Disclosure dated X/XXXX. X/XXXX - Received COC and Closing Disclosure dated X/XXXX. Updating loan to clear exceptions. | XXX | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX,XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX,XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010133 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Date Test | This loan failed the reimbursement date test. (XX CFR XXX(f)(X)(v))The reimbursement date is more than XXXXlendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. |  |  | This loan passed the reimbursement date test. (XX CFR XXX(f)(X)(v))The reimbursement date is not more than XXXXlendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. Update, finding is active as the PCCD cure is greater than XX days post identification. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010201 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010201 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010201 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar 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 allXXXlendar 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 allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. Per Tracking Disclosure Summary Initial CD XXX XXXfrom file | Received Closing Disclosure dated X/XXXX w/ corresponding COC. Updating loan accordingly. Per Tracking Disclosure Summary Initial CD XXX XXXfrom file | XXX | This loan passed the initial closing disclosure delivery date test.(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010201 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Initial Loan Estimate Date and Initial Closing Disclosure Date Validation Test | This loan failed the TRID initial loan estimate date and initial closing disclosure date validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt dateXXXs not provided) that is on or before any loan estimate delivery date. Please review the loan data to ensure the dates are in the correct fields. Per Tracking Disclosure Summary Initial CD XXX XXXfrom file | Change status of 'TRID Initial Loan Estimate Date and Initial Closing Disclosure Date Validation Test' from Cleared to Rescind.<br> .. Per Tracking Disclosure Summary Initial CD XXX XXXfrom file | XXX | This compliance test 'TRID Initial Loan Estimate Date and Initial Closing Disclosure Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010201 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Initial Closing Disclosure Date and Date Creditor Received Application Validation Test | This loan failed the TRID initial closing disclosure date and date creditor received application validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt dateXXXs not provided) that is before the date creditor received the application. Please review the loan data to ensure the dates are in the correct fields. Per Tracking Disclosure Summary Initia CD XXX XXXfrom file | Per Tracking Disclosure Summary Initia CD XXX XXXfrom file | XXX | This compliance test 'TRID Initial Closing Disclosure Date and Date Creditor Received Application Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010201 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Disclosure Delivery and Receipt Date Validation Test | This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. Per Tracking Disclosure Summary Initia CD XXX XXXfrom file | Change status of 'TRID Disclosure Delivery and Receipt Date Validation Test' from Cleared to Rescind.<br> ..<br> Per Tracking Disclosure Summary Initia CD XXX XXXfrom file | XXX | This compliance test 'TRID Disclosure Delivery and Receipt Date Validation Test' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010201 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. Per Tracking Disclosure Summary Initial CD XXX XXXfrom file | Received Closing Disclosure dated X/XXXX w/ corresponding COC. Updating loan accordingly. Per Tracking Disclosure Summary Initial CD XXX XXXfrom file | XXX | TRID Monitor Timing of Disclosures Finding.This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010021 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010021 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Active | Compliance | Prepay Amount From Note Does Not Equal Prepay Amount On Final Closing Disclosure | Prepay amount from note of does not equal prepay amount on final CD. Initial CD XX/XX does not reflect a prepayment penalty Prepay amount from note of does not equal prepay amount on final CD.<br> From Hard Coded form in template:<br> 'Closing Disclosure' at X/XXXX |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010021 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010196 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification is less than 12 months | Borrower Income Verification is less than XX months |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010196 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010205 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010205 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010205 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010195 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010195 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years D A |
| 2023010200 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | LenderXXXLS Status is Not Active | The lenderXXXLS status is Not Active  | Licensing Extended. Ability to conduct business intact. | Licensing Extended. Ability to conduct business intact. | The lenderXXXLS status is Active | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. D A |
| 2023010417 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar 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 allXXXlendar 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 allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. XXXInitial CD from the file | Received Closing Disclosure dated X/XXXX. Updating loan accordingly. | XXX | This loan passed the initial closing disclosure delivery date test.(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010417 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. XXXInitial CD from the file | Received Closing Disclosure dated X/XXXX. Updating loan accordingly. | XXX | TRID Monitor Timing of Disclosures Finding.This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010417 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established and appraisal receipt acknowledged within X days. | Escrow account established and appraisal receipt acknowledged within X days. |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010417 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010204 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.<br> Confirmed comp factors and exception approval Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XXX or XXX. Exception in file to allow X mths reserves. Comp factors: XXX DTI, payment shock X, and XXX. Borrower only has XX mths reserves. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010204 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010416 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010416 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010416 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010206 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days. | Escrow account established, and appraisal receipt acknowledged within X days. |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010206 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010206 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial. The PITI on leaving residence (turning Investment) for XXX XXXAvenue is not included inXXXlculation. Updated final XXXXX including property information is required. XXX: Received updated property taxes, and HOI for property located at XXX XXXAvenue. Exception cleared. | Received copy of Email to Borrower with an updated XXX. Need read receipt or confirmation from borrower emailXXXs received. | Received copy of Email to Borrower with an updated XXX. Need read receipt or confirmation from borrower emailXXXs received. | Final Loan Application is Present | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010206 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Partial | The transmittal summary is Partial. The PITI on leaving residence (turning Investment) for XXX XXXAvenue is not included inXXXlculation. Updated final XXXXX including property information is required. | XXX: Received updated property taxes, and HOI for property located at XXX XXXAvenue. Exception cleared. | XXX: Received updated property taxes, and HOI for property located at XXX XXXAvenue. Exception cleared. | The transmittal summary is Present | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010415 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010415 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Title Issues Present | The following issues were noted:<br> Page XXX Title Commitment X/XXXX shows Brokers Name not XXX'. <br> page XXX Title Commitment X/XX/ Expired X/XXXX. Subject Consummation X/XXXX. | Updated commitment showing Broker as XXX and expiration date of X/XXXX. Exception cleared. | Updated commitment showing Broker as XXX and expiration date of X/XXXX. Exception cleared. | The exception 'Title Issues Present' is cleared. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010415 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Partial | The transmittal summary is Partial. Client's Approval and CRSE both show XX Business XXXlculated. Need additional XXXlculation or updated Approval/CRSE. | Received updated CRSE and UW Approval showing XX Month Business Bank Statement. Exception cleared. | Received updated CRSE and UW Approval showing XX Month Business Bank Statement. Exception cleared. | The transmittal summary is Present | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023010342 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010342 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010342 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. The revised/final CD issued X/XXXXXXs signed X/XX/ which is after consummation dated X/XXXX. There's no documentation in the file to show the disclosureXXXs received prior to consummation. | Received copy of CD dated X/XXXX and signed X/XXXX. Updating loan accordingly. | Received copy of CD dated X/XXXX and signed X/XXXX. Updating loan accordingly. | This compliance test 'TRID Monitor Timing of Disclosures Finding' is no longer tested | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010342 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Revised Closing Disclosure Delivery Date Test (NoXXXiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (noXXXiting period required). (XX CFR XXX)The revised closing disclosure delivery does not require a newXXXiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXX Mail" or "XXX" or blank, and the revised closing disclosure delivery date is less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a newXXXiting period. Except as provided in XXX(f)(X)(ii), if the disclosures provided under XXX become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. The revised/final CD issued X/XXXXXXs signed X/XX/ which is after consummation dated X/XXXX. There's no documentation in the file to show the disclosureXXXs received prior to consummation. | Received copy of CD dated X/XXXX and signed X/XXXX. Updating loan accordingly. | Received copy of CD dated X/XXXX and signed X/XXXX. Updating loan accordingly. | This loan passed the revised closing disclosure delivery date test (noXXXiting period required).(XX CFR XXX)The revised closing disclosure delivery does not require a newXXXiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the revised closing disclosure delivery date is not less than three business days (counting allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction or"In Person" and the revised closing disclosure delivery date is at or before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is at or before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a newXXXiting period. Except as provided in XXX(f)(X)(ii), if the disclosures provided under XXX become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010062 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010062 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010063 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010063 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010063 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010423 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010426 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010426 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010426 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010419 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML loan with established escrow and appraisal received, downgraded to a B. | HPML loan with established escrow and appraisal received, downgraded to a B. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010419 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010419 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010422 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML loan with established escrow and appraisal received. downgrade to B | HPML loan with established escrow and appraisal received. downgrade to B | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010422 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010422 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010424 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML loan with established escrow and appraisal received. downgrade to B | HPML loan with established escrow and appraisal received. downgrade to B | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010424 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Change severity of 'Minimum Trade Line Requirement Not Met' from Material to Non-Material. Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.<br> Client provided guideline exception allowing for late pay on consumer auto account based on Borrower with same employer X years, residual income of X,X XXX and XXX last XX months. Borrower(s) have not met the minimum tradeline requirement per lender guidelines. Late pays noted on CRS page XXX. Letter of Explanation regarding late pays on page XXX. Debt is now current (Page XXX) Exception granted |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010424 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010427 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML Loan with established escrows and appraisal received.XXX a B. | HPML Loan with established escrows and appraisal received.XXX a B. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010427 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010427 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010425 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010425 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010425 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010428 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML loan with established escrow and appraisal received. downgrade to B. | HPML loan with established escrow and appraisal received. downgrade to B. | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010428 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010428 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010065 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010065 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010065 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. XXXXXXsh-Out Refinance Guidelines require that the property must have been purchased (or acquired) by the borrower at least XX months prior to the disbursement of the new mortgage. Borrower purchased subject property on XXX. No exception in file for seasoning. | Received LOX - Bwr purchased subject property on XXX and appears to have closed on X/XX/XX which is X mos and XX days. CDA obtained per guidelines is in file, and supports the appraisal. CDA provided. PerXXXs, the property has been owned for less than XX months, but at least X months, and AO ordered a CDA. Exception cleared. | Received LOX - Bwr purchased subject property on XXX and appears to have closed on X/XX/XX which is X mos and XX days. CDA obtained per guidelines is in file, and supports the appraisal. CDA provided. PerXXXs, the property has been owned for less than XX months, but at least X months, and AO ordered a CDA. Exception cleared. | Housing delinquency meets guidelines. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010065 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The lenderXXXlculated the borrower's income at X,XXX/mo using a XX-month Personal XXX. XXXcopy of the X/XX/XX personal XXX accounts, deposits from XXX Funds, Overdraft deposits, and large deposits. However, the lender failed to omit the following deposits: X/XX/XX XXX for X, XXX XXX for X, X/XX/XX Savings XXX for X, X/XX/XX XXX for X,XXX, X/XX/XX Savings XXX for X, and X/XX/XX XXX for X,XXX. | Received LOX with updated IncomeXXXlculation removing the outlined amounts. Reviewed - incomeXXXlculations match. Exceptions cleared. | Received LOX with updated IncomeXXXlculation removing the outlined amounts. Reviewed - incomeXXXlculations match. Exceptions cleared. | The borrower income verification does match approval | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of ___ is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010429 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML Loan with established escrow and appraisal received. Downgraded to a B | HPML Loan with established escrow and appraisal received. Downgraded to a B |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D B A |
| 2023010429 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D B A |
| 2023010429 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial | Received CRSE - confirming exception |  | Change severity of 'Borrower Liabilities Verification Indicator is Partial' from Material to Non-Material. Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Acknowledged by Client.<br> Received CRSE - Exception Type: Credit-Judgments/Collections/Tax Liens. Guideline - Tax liens to be paid. Actual - Leave open & exclude from DTI. Rationale - Borrower is and has been on a psyment plan. Only XX payments left at time of closing. borrower aldo has assets to cover the balance and still meet reserve requirements with X months. Compensating Factors : Qualifying Credit Score is XXX XXX (Housing) Payment decreasing by XXX Payment Shock is only - XXX. Acknowledged by client. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D B A |
| 2023010429 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Lender included XXX IRS tax lien payment on final URLA page XXX for total liabilities of XXX. Lender did not include XXX tax lien payment into DTI on final XXX page XXX, using total other liabilities of XXX.. Audit DTI without XXX tax payment is XXX and matches lender. Once XXX tax liens is included, Final DTI is XXX.<br> Lender Max DTI is XX with XX LTV. No exception in file for DTI to exceed XX. | Received CRSE confirming the Tax Lien paymentXXXn be excluded from the LiabilityXXXlculation. Removing entry. <br> Recieved approved exception to allow Tax Lien to remain open. Exception does not address the increased DTI over guidelines by allowing the Tax Lien payment plan to continue. Exception stands. |  | Documentation provided to support Qualifying DTI below XXX. XXX: Recieved approved exception to allow Tax Lien to remain open. Exception does not address the increased DTI over guidelines by allowing the Tax Lien payment plan to continue. Exception stands. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D B A |
| 2023010433 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | HPML Loan with established escrow and appraisal received, downgraded to a B. | HPML Loan with established escrow and appraisal received, downgraded to a B. |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010433 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010433 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010064 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010064 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010064 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. Investment Property purchase. Borrower is retaining their primary residence | Received LOX - Payment shock isn't considered on an investment property or Xnd home. Only on a new primary purchase would we have to follow payment shock guidelines. Exception cleared. | Received LOX - Payment shock isn't considered on an investment property or Xnd home. Only on a new primary purchase would we have to follow payment shock guidelines. Exception cleared. | Payment shock of XXX does not exceed the lender guidelines tolerance for payment shock. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010434 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010434 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010434 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010430 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010430 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010430 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010432 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010432 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010432 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010431 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Loan is HPML. Escrow/Appraisal requirements met. | Loan is HPML. Escrow/Appraisal requirements met. |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010431 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010431 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial.<br> X) Departing primary XXX NW XXnd Terrace: Provide XXXfully executed lease agreement IAO XXX and proof of security deposit from the tenant with deposited funds into bank account. DTI pending rental income documentation. <br> X) XXX NW Xth Blvd: Provide property report confirming REO free and clear with no HOI or HOA. | Received LOX - Rental income removed - CRSE for DTIXXXlculations follows. Exception cleared. | Received LOX - Rental income removed - CRSE for DTIXXXlculations follows. Exception cleared. | Borrower liabilities verified indicator is Present | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010431 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XXX exceeds guideline maximum of XXX. Documentation provided to support Qualifying DTI below XXX. | Received CRSE - acknowleding exception |  | Change severity of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Material to Non-Material. Change status of 'Qualifying DTI exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Received CRSE - Exception Type: Program-Debt Ratios. Guideline - XX max Actual XX. Rationale - DTI exception given for departing residence. Will be sold within the next X months. Compensating Factors : Qualifying Credit Score is XXX Borr with employer for X+ years Reserves of XXX Months Qualifying LTV is XX. Acknowledged by client. Qualifying DTI of XXX exceeds guideline maximum of XXX. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010431 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX exceeds the lender guidelines tolerance of XXX for payment shock. <br> Borrower's departing primary housing payment is XXX, with taxes and insurance escrowed (per mortgage statement page XXX). Lender used present housing payment of XXX per pg XXX and present housing payment of XXX per final URLA page XX. <br> Lender to provide housing documentation to support all expenses exceeding XXX monthly mortgage payment. | Received CRSE - acknowleding exception |  | Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material. Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client.<br> Received CRSE - Program-Payment Shock. Guidelines XXX Actual XXX. Rationale - Borrower paid current primary to free and clear and then took a small first mortgage. Compensating Factors : Qualifying Credit Score is XXX Borr with employer for X+ years Reserves of XXX Months Qualifying LTV is XX. Acknowledged by client. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010431 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. FIle is XXXbusiness XXX showing deposits of XX,XXX. Lender quickXXXlc is from April XXX to March XXX. | Received copy of XXX. Confirmed amounts. Exception cleared. | Received copy of XXX. Confirmed amounts. Exception cleared. | The borrower income verification does match approval | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010365 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX exceeds the lender guidelines tolerance for payment shock. | Client provided a guideline exception allowing for XXX payment shock on a first time home buyer based on the subject being XX below the max LTV and excellent credit history | XXX |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010365 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Appraisal guideline violation | Appraisal guideline violation: PerXXX section X non arm's length transactions not allowed and no exception from lender in file. Appraisal indicates subjectXXXs not listed on the open market and appears to represent a non-arms length transaction between the XXX and long-term tenant. Subjet property is being purchased at XX below appraised value | XXX: Received loe stating that the subject is an arms lenght transaction. XXX selling to tenant does not comprise a non-arms lenght transaction. Reviewed and agree. Exception cleared. | XXX | Appraisal guideline violation is now acceptable. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010365 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar 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 allXXXlendar 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 allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. XXX: Received loe stating that loan closed on XXX, requesting XXXdocumentation showing that loan closed on XXX. Exception stands. Per Disclosure Tracking summary Initial CDXXXs not received X business days prior to closing Received LOX - Closing Disclosure shows Initial CDXXXs received by borrower on XXX. Updated loan accordingly. | Received LOX - Closing Disclosure shows Initial CDXXXs received by borrower on XXX. Updated loan accordingly. | Received LOX - Closing Disclosure shows Initial CDXXXs received by borrower on XXX. Updated loan accordingly. | This loan passed the initial closing disclosure delivery date test.(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010365 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. XXX: Received loe stating that loan closed on XXX, requesting XXXdocumentation showing that loan closed on XXX. Exception stands. Per Disclosure Tracking summary Initial CDXXXs not received X business days prior to closing Received LOX - Closing Disclosure shows Initial CDXXXs received by borrower on XXX. Updated loan accordingly. | Received LOX - Closing Disclosure shows Initial CDXXXs received by borrower on XXX. Updated loan accordingly. | Received LOX - Closing Disclosure shows Initial CDXXXs received by borrower on XXX. Updated loan accordingly. | TRID Monitor Timing of Disclosures Finding.This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosureXXXs not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010053 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Short reserves approved by lender. XX LTV vs XX program max cited as compensating factor. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010053 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010053 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | 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 reimbursementXXXlculations. Please provide a Valid COC or a Cure for the Title Settlement or Closing Cost Fee in the amount of XXX for the Final CD dated XXX | Received COC dated X/XXXX & XXX. Updating loan accordingly. Per the Initial CD dated X/XXXX where a Title-Settlement FeeXXXs added. We need a CIC for this change. Advised client. | Received COC dated X/XXXX & XXX. Updating loan accordingly. Per the Initial CD dated X/XXXX where a Title-Settlement FeeXXXs added. We need a CIC for this change. Advised client. | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested 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 reimbursementXXXlculations. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010053 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (X,XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). Please provide a Valid COC or a Cure for the Title Settlement or Closing Cost Fee in the amount of XXX for the Final CD dated XXX | Received COC dated X/XXXX & XXX. Updating loan accordingly. Per the Initial CD dated X/XXXX where a Title-Settlement FeeXXXs added. We need a CIC for this change. Advised client. | Received COC dated X/XXXX & XXX. Updating loan accordingly. Per the Initial CD dated X/XXXX where a Title-Settlement FeeXXXs added. We need a CIC for this change. Advised client. | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) do not exceed the comparable charges (X,XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (X,XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (X,XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010053 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. Please provide a Valid COC or a Cure for the Title Settlement or Closing Cost Fee in the amount of XXX for the Final CD dated XXX | Received COC dated X/XXXX & XXX. Updating loan accordingly. Per the Initial CD dated X/XXXX where a Title-Settlement FeeXXXs added. We need a CIC for this change. Advised client. | Received COC dated X/XXXX & XXX. Updating loan accordingly. Per the Initial CD dated X/XXXX where a Title-Settlement FeeXXXs added. We need a CIC for this change. Advised client. | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010010 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Appraisal date is greater than 120 days from Origination date. | Change severity of 'Appraisal date is greater than XXX days from Origination date.' from Material to Non-Material. |  |  | Appraisal date is within XXX days of Note date. Correction. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010010 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010006 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Overdraft/NSF Count Exceeds Tolerance | Borrower has XX NSF in XX-month period. Lender approved exception citing XXX FICO, XXX payment history since inception and XX months reserves post-closing. Change severity of 'Overdraft/NSF Count Exceeds Tolerance' from Material to Non-Material. Change status of 'Overdraft/NSF Count Exceeds Tolerance' from Active to Acknowledged by Client. Overdraft/NSF count exceeds tolerance. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010006 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010008 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Asset Documents are Incomplete | Cash to close to come fromXXXsh out refinance of investment property on XXX with AOMS. preliminary CD from that transaction is present. Final CD with proof of funds is required as it is not confirmed on the Final CD for the subject loan. Asset Documents are Incomplete: | X/XXXX - Final CD dated X/XXXX for XXX XXX received. Exception cleared. | XXX |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years C A |
| 2023010008 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years C A |
| 2023010002 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client. Credit exception file tradeline requirements not met. Comp Factors include X pymt shock, pymt staying the same, XX months reserves. Borrower(s) have not met the minimum tradeline requirement per lender guidelines. | Client provided exception approval. |  | X/XX/XX - Per Credit Risk Summary & Exception Summary report: "Credit: Tradeline requirements not met - XXX months verified. Compensating factors: <X pymt shock, pymt staying the same XX months reserves." Exception acknowledged by client. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010002 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010003 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient | Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXXX. |  |  | Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXXX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010003 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010012 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010012 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010004 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010004 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010013 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010013 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010121 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per LenderXXXTPV not required |  | Per Lender Guidelines, not applicable. CU score is X. Exception cleared. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A C |
| 2023010121 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A C |
| 2023010121 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. D A C |
| 2023010122 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010122 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010117 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | The borrower had a property in forebearance from XXX to XXX. The lender has approved the exception, citing the XXX FICO score and the X DSCR as the compensating factors. Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. Housing history does not meet guidelines. | Client provided an exception approval. |  | The borrower had a property in forebearance from XXX to XXX. The lender has approved the exception, citing the XXX FICO score and the X DSCR as the compensating factors. Change severity of 'Housing history does not meet guidelines' from Material to Non-Material. | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years C A |
| 2023010117 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Borrower has more than X years at current residence - Borrower at current residence XX years C A |
| 2023010369 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010369 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. A |
| 2023010370 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010370 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010123 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. The REO properties listed on the final XXX differ slightly from the unexecuted Separation Agreement (p. XXX). Please provide mortgage statements, HOI, property tax statements and HOA/LOE where applicable on the following:<br> Please provide copy of executed Separation agreement approved by the courts. | X/XX/XX - Copy of note for XXX and XXX XXX provided. Both properties are listed under XXX Hay-XXX. Copy of Separation Agreement from XXX is provided. HOA is not applicable for XXX property and copies of the mortgage statement for XXX and XXX properties provided. All requested information has been verified and cleared. &#xXD<br> X/X/XX - provide mortgage statements, HOI, property tax statements and HOA/LOE where applicable on the following:&#xXD<br> XXX S. XXX Ave. - HOA only if applicable&#xXD<br> XXX XXX.&#xXD<br> XXX XXX XXX.&#xXD<br> XXX XXX Ave.&#xXD<br> Please provide copy of executed Separation agreement approved by the courts. | XXX | Borrower liabilities verified indicator is Present | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010123 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010371 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Per Guidelines Not Applicable Third Party Valuation Product Not Provided and CU Score is XX. Per InvestorXXXshXXXow Guidelines XXX LTV's less than XX at the Underwriters discretion mayXXXive secondary appraisal product requirement. Appears UnderwriterXXXived. Property Purchased withXXXsh XXXX for XXX. Used XXX for LTV/CLTV XXX. | Per Lender G/L TPV not applicable. |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010371 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010371 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| 2023010372 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. Per Lender Guidelines, not applicable. CU score is X. Exception cleared. | Per Lender G/L TPV not required |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010372 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | CoBorrower Employment Verification does not meet guidelines | XXXverbal verification of employment within XX days of note date for coborrower. | X/XXX - Received VOE dated XXX showing Co-BwrXXXs employed and remains active. Exception cleared. | XXX |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010372 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010375 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Per guidelines, XXX not required. Loan amoung <XXX. Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. D A |
| 2023010375 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. D A |
| 2023010375 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Security Instrument Indicator is Missing | The security instrument indicator is Missing | X/XXXX - Recorded Security Instrument dated X/XXXX received. Exception cleared. | XXX | The security instrument indicator is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. D A |
| 2023010373 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Per LenderXXXTPV not applicable. |  | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010373 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | LendersXXX do not require XXX for loan amounts < XXX Third Party Valuation Product Not Provided and CU Score is XX. | Per Lender G/L TPV not applicable. |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010373 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | LendersXXX do not require XXX for loan amounts < XXX Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per Lender G/L TPV not applicable. |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010373 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010248 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010248 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010374 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Loan amount is greater than the maximum loan amount allowed per guidelines | Change status of 'Loan amount is greater than the maximum loan amount allowed per guidelines' from Active to Acknowledged by Client. Change severity of 'Loan amount is greater than the maximum loan amount allowed per guidelines' from Material to Non-Material. Lender approved the loan amount exception citing XXX FICO, XXX on all mortgages, XXX DTI, XX LTV, residual income of XX,XXX per month and XX years employment as compensating factors. Loan amount of XXXXXX is greater than the maximum loan amount allowed per guidelines of XXX. | Client provided exception approval. |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010374 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges ThatXXXnnot Increase Test | This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). This loan failed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is X,XXX.Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | X/XXXX - Received Refund Check XXX PCCD letter PCCD - with proof documentationXXXs sent. Updating loan to clear exceptions. | X/XXXX - Received Refund Check XXX PCCD letter PCCD - with proof documentationXXXs sent. Updating loan to clear exceptions. | This loan passed the charges thatXXXnnot increase test. (XX CFR XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges ThatXXXnnot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under XXX(e)(X)(i). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010374 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In TotalXXXnnot Increase More Than Test | This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (X,XXX) exceed the comparable charges (XX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). The XX tolerance violation in the amount of XXX is due to the increase in the Mortgage Recording fee from XXX on the Loan Estimate to XXX on the Closing Disclosure. Need evidence of COC, PCCD or refund check to the borrower in the amount of XXX. | X/XXXX - Received Refund Check XXX PCCD letter PCCD - with proof documentationXXXs sent. Updating loan to clear exceptions. | XXX | This loan passed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges were in good faith according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) do not exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). A PCCD with a refund in the amount of XXX is needed to cover the increase fees on the Mortgage RecordingXXXlculation. This loan failed the charges that in totalXXXnnot increase more than XX test. (XX CFR XXX(e)(X)(ii))The loan contains third-party services that the consumerXXXs permitted to shop for and the charges exceed the good faith tolerance according to XXX(e)(X)(ii). The final charges that in totalXXXnnot increase more than XX (XXX) exceed the comparable charges (XXX) by more than XX. Please see the table that displays the Charges ThatXXXnnot Increase More Than XX 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 XXX(e)(X)(i) by more than XX percent(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor and(C) The creditor permits the consumer to shop for the third-party service, consistent with XXX(e)(X)(vi). | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010374 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | 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 reimbursementXXXlculations. | X/XXXX - Received Refund Check XXX PCCD letter PCCD - with proof documentationXXXs sent. Updating loan to clear exceptions. | XXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested A PCCD with a refund in the amount of XXX is needed to cover the increase fees on the Mortgage RecordingXXXlculation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010374 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XX CFR XXX(e)(X)(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 forXXXrrying 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 X, regardless of the actual values on the disclosure.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Veterans Day (XXX)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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | X/XXXX - Received Refund Check XXX PCCD letter PCCD - with proof documentationXXXs sent. Updating loan to clear exceptions. | X/XXXX - Received Refund Check XXX PCCD letter PCCD - with proof documentationXXXs sent. Updating loan to clear exceptions. | This loan passed the initial loan estimate delivery date test (from application).(XX CFR XXX(e)(X)(iii)(A))The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(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 XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. This loan passed the initial loan estimate delivery date test (from application).(XX CFR XXX(e)(X)(iii)(A))The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public forXXXrrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.ThisXXXlculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open forXXXrrying on substantially all of its business functions, as described in §XXX(a)(X) and as it relates to XXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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, ComplianceAnalyzerXXXlculations will presume the company's offices are closed to the public forXXXrrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under XXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010374 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, X,XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with (f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | X/XXXX - Received Refund Check XXX PCCD letter PCCD - with proof documentationXXXs sent. Updating loan to clear exceptions. | XXX | This loan passed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. A PCCD with a refund in the amount of XXX is needed to cover the increase fees on the Mortgage RecordingXXXlculation. This loan failed the reimbursement amount test. (XX CFR XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under XXX(e)(X)(i) or (ii), the creditor complies with XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with XXX if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010124 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than XXX | Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. Third Party Valuation Product Not Provided and CU Score is XX. | Per Lenders G/L TPV not required. |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010124 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. Per Lender Guidelines, not applicable loan amount is less than XXX. Exception cleared. | Per Lenders G/L TPV not required. |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010124 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010124 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010128 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. Third party valuation required with CU Score of X and loan amount XXX. | X/XXXX - AVMXXXs provided in the images. Updating the loan/clearing exception. | XXX | Third Party Valuation Product Provided | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010128 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.X | Third party valuation required with CU Score of X and loan amount XXX. Third Party Valuation Product Not Provided and CU Score is XX. | X/XXXX - AVMXXXs provided in the images. Updating the loan/clearing exception. | XXX | Third Party Valuation Product Provided. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010128 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. No housing history in file for current primary. | X/XXXX - Received LOX stating, "He owned the property heXXXs in prior for X years, and itXXXs free and clear. That propertyXXXs sold XXX and the funds were used to close this new one. We consider a free and clear proeprty owned more than a year to be XXX for a current history." Exception cleared. | XXX | Housing delinquency meets guidelines. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010128 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010130 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | XXX: CU score is <X XXX not required Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per Lender G/L TPV not required |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A C |
| 2023010130 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | XXX: CU score is <X XXX not required Exception cleared. Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Per Lender G/L TPV not required |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A C |
| 2023010130 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | XXX: DTI variance due to lender not including a debt with D XXX XXX w/ monthly payment of XXX. This debt is not listed to be paid off per the final CD dtd XXX. Provide proof of payoff or paydown and/or documentation to support this debt being omitted. Qualifying DTI of XXX exceeds guideline maximum of XXX. | Documentation provided to support Qualifying DTI below XXX. | Documentation provided to support Qualifying DTI below XXX. | Documentation provided to support Qualifying DTI below XXX. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A C |
| 2023010130 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A C |
| 2023010131 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A C |
| 2023010131 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A C |
| 2023010140 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than | Third Party Valuation Product Not Provided and CU Score is XX. |  |  | Per Lender Guidelines, not applicable loan amount is less than XXX andXXXsh out is less than XXX. Exception cleared. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010140 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep & Warrant Relief is Not Eligible. |  |  | Per Lender Guidelines, not applicable loan amount is less than XXX andXXXsh out is less than XXX. Exception cleared. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010140 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Appraisal date is greater than days from Origination date. | Appraisal dated XXX is greater than XXX days from Note date of X/XXXX. |  |  | Appraisal date is within XXX days of Note date. Appraisal transfer letter page XXX. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010140 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Overdraft/NSF Count Exceeds Tolerance | Change status of 'Overdraft/NSF Count Exceeds Tolerance' from Active to Acknowledged by Client. Client provided guideline exception for NSFs based on qualifying credit score of XXX, reduced monthly payment by - XXX, verified reserves of XX months, credit history of X\*XX - XX months and LTV of XXX. Overdraft/NSF count exceeds tolerance. |  |  | Change severity of 'Overdraft/NSF Count Exceeds Tolerance' from Material to Non-Material. | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010140 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. D A |
| 2023010377 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | UCDP Summary Report is Missing | The SSR indicator is Missing | The SSR indicator is Present |  | The SSR indicator is Present X/XXX - The SSR indicator is Missing | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010377 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product Provided Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Per LenderXXXTPV not required |  | Third Party Valuation Product Provided - X/XXXX - Copy of FNMA UCDP showing a CU Score of X received. Exception cleared. Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010377 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX. | Per LenderXXXTPV not required |  | Third Party Valuation Product Provided - X/XXXX - Copy of FNMA UCDP showing a CU Score of X received. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010377 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010377 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TILA Finance Charge Test | Finance Charge X, XXX and the final CD finance charge is X, XXX. Difference of X,XXX. Unable to determine source of difference. | Provide a updated final CD and confirm the finance charges | Provide a updated final CD and confirm the finance charges | This loan passed the TILA finance charge test.(XX CFR XXX(o)(X))The finance charge is X, XXX. The disclosed finance charge of X, XXX is considered accurate because:It is understated by no more than XXX orIt is greater than the amount required to be disclosed. The final CDXXXs disclosed at X, XXX however, compliance ease has determined the finance charge to be in the amount of X, XXX which is a X,XXX variance. Please note – Title fees are listed in Section B (Services Borrower Did Not Shop For). <br>Provide a updated final CD and confirm the finance charges.  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010378 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: Lender's exception for Property- Condo Project Eligibility due to pending litigation regarding a breach of contract that affected one unit of the condo project. Not affecting any other units in completex. Please see the Credit Risk Summary and Exception Approval on Pg XXX |  |  | Change severity of 'Appraisal guideline violation' from Material to Non-Material. X/XXXX - CRSE shows client acknowledges: Property - Condo Project Eligibility - All documented Breach of contract and affected one unit. Not affecting any other units in complets. Acknowledged by Client. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client. | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023010378 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXXXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023010134 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client. Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. ExceptionXXXs given on the credit risk summary for not having X months of reserves based on credit score of DTI , borrower with same business/employer for XX years, reduction in payment, qualifying payment shock. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. | Client provided exception approval |  | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. ExceptionXXXs given on the credit risk summary for not having X months of reserves based on credit score of DTI , borrower with same business/employer for XX years, reduction in payment, qualifying payment shock. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. | XXX | D B C A |
| 2023010134 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. Based on the Credit report dated XXX in conjuction with the credit comparison dated XX/XX/ the debts reported total, XXX which is XXX more than what is reported on the XXX and the approval. Final CD only listsXXXliber in the payoff. This results in a DTI variance of XX. While the DTI of XXX does not exceed the guideline parameters, the lower DTI is a factor in approving an exception for insufficient reserves. | X/XXX - Received LOX - "XXX XXX is being paid by the business, there are XX months statements in the file to support and for some reason encompass assigns a XXX per month payment on open trades with no payment." Exception cleared - Liabilities updated. | XXX | Borrower liabilities verified indicator is Present | XXX | D B C A |
| 2023010134 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | D B C A |
| 2023010376 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A C |
| 2023010376 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A C |
| 2023010379 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: Approved Exception for square footage <XXX sq ft. Compensating factors: reserves are XXX months and credit history XXX - last XX months. Change severity of 'Appraisal guideline violation' from Material to Non-Material. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client. | Client provided exception approval |  | Approved Exception for square footage <XXX sq ft. Compensating factors: reserves are XXX months and credit history XXX - last XX months. Appraisal guideline violation: Change severity of 'Appraisal guideline violation' from Material to Non-Material. Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010379 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010379 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010136 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010136 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010137 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010137 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010138 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | No third party valuation required for loan amount XXXXX and CU score of X. Third Party Valuation Product Provided. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per LenderXXXTPV not required |  | Per Lender Guidelines, not applicable loan amount is less than XXX and CU score is X. Exception cleared. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010138 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Lender requested and received guideline exception for X month reserve assets with less than required documented in file. Compensating factors used for decision were: qualifying credit score of low DTI of XXX, Borrower self employed for X years, and low payment shock. Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010138 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has stable job time - Borrower has XX years at job. A |
| 2023010380 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Per guidelines, XXX not required. CU Score is X. Exception cleared. Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. | Per Lender G/L TPV not required |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010380 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Effective Date is after the Note Date | The hazard insurance effective date of X/XXXX is after the note date of XXX | X/XXXX - Received LOX attesting no claims were placed on the property between consummation date and effective date of policy. Updating to clear exception. | XXX |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010380 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Borrower X has significant job time - Borrower has XXX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XXX years at job. Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023010394 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010394 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has stable job time - Borrower has XX years at job. A |
| 2023010142 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010142 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower has more than X years at current residence - Borrower at current residence XXX years A |
| 2023010115 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010115 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient | Hazard insurance coverage of XXX is not sufficient. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value of XXX. Hazard coverage in the amount of XXX is sufficient to cover the reconstruction cost of XXX as provided by the insurance company. The policy also provides for up to an additonal XXX in coverage if needed. Exception Cleared. | Cleared during QC |  | Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010115 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Liquid Reserves are less than Guidelines Required | The Credit Risk Summary and Exception approval shows that the borrower has only X months of reserves, but the exception has not been approved. The liquid reserves of XX months or XXX, are less than the Guidelines minimum required of XX or XXX. | LOX received explaining what assets were utilized in theXXXlculation. Client used the XXX as the Verified Assets. Updating assets to reflect this information and clear exception. | LOX received explaining what assets were utilized in theXXXlculation. Client used the XXX as the Verified Assets. Updating assets to reflect this information and clear exception. | LOX received explaining what assets were utilized in theXXXlculation. Client used the XXX as the Verified Assets. Updating assets to reflect this information and clear exception. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XXX is less than the Guideline DTI of XXX. Original LTV is Below the Guideline Maximum - XXXlculated LTV of XXX is less than Guideline LTV of XXX. Original CLTV is Below the Guideline Maximum - XXXlculated CLTV of XXX is less than Guideline CLTV of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010411 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | This is an ICF loan and there is no employment information on the final XXX. It does show that the email address of the Borrower is the same as the Lender's name. Please provide documentation that this is an Arms-length transaction. |  |  | X/XXX - Per AO : Ok, however since it is a refi and there is nothing that states a borrowerXXXnnot work for the lender, this condition is moot. Or am I XXXsomething. and Please provide documentation that shows borrowers email on the XXX. I only see the LO's email information. Also this is aXXXsh out refi. There is nothing in our guide lines that state a borrowerXXXnnot work the lender. Exception cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010411 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower has more than X years at current residence - Borrower at current residence XX years A |
| 2023010418 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Informational exception - no action needed Lender Acknowledged HPML Disclosure Escrow account established and appraisal reciept acknowledged within X days. | Lender Acknowledged HPML Disclosure Escrow account established and appraisal reciept acknowledged within X days. | Lender Acknowledged HPML Disclosure Escrow account established and appraisal reciept acknowledged within X days. |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010418 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010418 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep &XXXrrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and XXX Collateral Rep &XXXrrant Relief is Not Eligible. Xrd party valuation is required as loan amount exceeds XXX,XXX. Lender to provide. | Per Lender Guidelines, not applicable. CU score is X. Exception cleared. Third Party Valuation Product not required due to CU Score | Per Lender Guidelines, not applicable. CU score is X. Exception cleared. Third Party Valuation Product not required due to CU Score | Third Party Valuation Product Provided. Third Party Valuation Product Provided. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010418 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX Mail" or "XXX" or blank, and the initial closing disclosure delivery date is less than six business days (counting allXXXlendar 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 allXXXlendar 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 allXXXlendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. File XXXthe Initial CD | Change status of 'Initial Closing Disclosure Delivery Date Test' from Active to OpenXXX.<br> Initial CD dated X/XXXX received. Updating loan. File XXXthe Initial CD | XXX | This loan passed the initial closing disclosure delivery date test.(XX CFR XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is not less than six business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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 not less than three business days (counting allXXXlendar 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.The creditor shall ensure that the consumer receives the disclosures required under paragraph XXX no later than three business days before consummation. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or XXX are greater than the Guideline Minimum of XX or XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XXX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010421 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | XXX Higher-Priced Mortgage Loan Finding | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. This loan is a higher-priced mortgage loan. (Maryland COMAR XXXXB(XX) , COMAR XXXXB(X))<br> The loan is a higher-priced mortgage loan as defined in the Code of Maryland Regulations (COMAR) due the following findings:<br> The loan is a closed-end loan with a closing date, or date creditor received application (formerly application date) if closing date is unknown, on or after the effective date of XXX andThe loan is a first lien and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more.<br> For information on higher-priced mortgage loans, please see the XXX Higher-Priced Mortgage Loan Alerts below. Change severity of 'XXX Higher-Priced Mortgage Loan Finding' from Material to Non-Material. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010421 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. | Escrow account established, and appraisal receipt acknowledged within X days | Escrow account established, and appraisal receipt acknowledged within X days |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010421 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010420 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Lender Acknowledged HPML Disclosure Escrow account established, and appraisal receipt acknowledged within X days. Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Higher-Priced Mortgage Loan (XX CFR XXX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by or more orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010420 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - XXXlculated DTI of XX is less than the Guideline DTI of XXX. Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. Borrower X has significant job time - Borrower has XX years on job Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XX years at job. A |
| 2023010624 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ Borrower has significant job time - Borrower has been on job XXX years. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A |
| 2023010624 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ Borrower has significant job time - Borrower has been on job XXX years. Borrower has more than X years at current residence - Borrower at current residence XX years Borrower has stable job time - Borrower has XXX years at job. Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A |

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## Exhibit 99.8

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.8**

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| | | | | | | | **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** | **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** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Vendor** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| 2023010312 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010314 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010268 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 2023010265 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | Eligible |
| 2023010266 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 2023010253 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010257 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010260 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010259 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010261 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 2023010263 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010267 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 2023010256 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010254 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010264 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Eligible |
| 2023010255 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 2023010262 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010338 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010336 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Not Eligible |
| 2023010337 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010351 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010052 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010358 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010352 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |
| 2023010357 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010353 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | Not Eligible |
| 2023010355 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | Not Eligible |
| 2023010354 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 2023010359 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010050 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| 2023010051 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010346 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 2023010345 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 2023010348 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 2023010343 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010349 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 2023010340 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Not Eligible |
| 2023010347 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 2023010341 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Eligible |
| 2023010344 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | Eligible |
| 2023010049 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010046 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010048 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Not Eligible |
| 2023010335 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010333 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010047 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010045 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 2023010326 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Eligible |
| 2023010329 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010316 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010317 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010327 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010322 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Eligible |
| 2023010330 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010321 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Eligible |
| 2023010325 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 2023010332 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | Eligible |
| 2023010320 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010331 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 2023010319 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010318 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010323 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 2023010315 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010324 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010328 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010350 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 2023010368 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010360 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Eligible |
| 2023010361 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010367 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010366 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010054 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Eligible |
| 2023010364 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010362 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| 2023010363 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| 2023010247 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 2023010213 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010214 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010207 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | Not Eligible |
| 2023010035 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 2023010032 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 465 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010034 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010031 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010030 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 2023010036 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 2023010033 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| 2023010215 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010238 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010228 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 2023010220 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 2023010229 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010219 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010221 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010222 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 2023010236 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010218 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010243 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 2023010231 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010227 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010241 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010245 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010246 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010235 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010244 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Not Eligible |
| 2023010233 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010230 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 2023010239 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010237 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 2023010223 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 2023010216 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010217 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010224 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | Eligible |
| 2023010226 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 2023010234 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010240 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| 2023010269 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010270 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010037 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010038 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | Not Eligible |
| 2023010250 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010252 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010251 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010311 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010313 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010040 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010039 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010280 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Not Eligible |
| 2023010287 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010285 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 2023010288 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010276 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 2023010281 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | Eligible |
| 2023010272 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010279 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 2023010283 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010278 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010282 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 2023010274 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010284 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| 2023010271 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010289 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010294 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | Not Eligible |
| 2023010306 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010308 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010305 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 2023010290 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010307 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 2023010304 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Eligible |
| 2023010296 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010297 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010310 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010303 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 2023010302 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010299 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 2023010309 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Eligible |
| 2023010300 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010301 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010298 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010291 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |
| 2023010292 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 2023010295 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 2023010043 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 2023010044 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 2023010042 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010041 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010211 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Eligible |
| 2023010212 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010210 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010209 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 2023010208 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010026 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010028 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 2023010027 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 2023010025 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 2023010242 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010029 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010339 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 2023010356 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 999 | Not Eligible |
| 2023010334 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010225 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | Not Eligible |
| 2023010232 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010277 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | Not Eligible |
| 2023010286 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010273 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |
| 2023010275 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010293 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010172 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010186 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010155 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 2023010151 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 2023010146 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 2023010147 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 2023010154 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | Not Eligible |
| 2023010148 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010158 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010150 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Not Eligible |
| 2023010007 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 2023010127 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010009 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010132 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010129 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010023 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Eligible |
| 2023010197 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Not Eligible |
| 2023010199 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| 2023010202 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010194 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 2023010022 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 2023010024 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010198 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010203 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | Eligible |
| 2023010019 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 2023010173 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 465 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 2023010174 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010180 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 2023010184 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010182 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | Not Eligible |
| 2023010192 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | Eligible |
| 2023010187 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | Eligible |
| 2023010005 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010001 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 2023010120 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010119 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010116 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Eligible |
| 2023010135 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010011 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 2023010141 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010125 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 2023010114 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 2023010014 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Not Eligible |
| 2023010162 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010169 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 2023010168 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 2023010167 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Not Eligible |
| 2023010171 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |
| 2023010170 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 2023010165 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010017 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Not Eligible |
| 2023010016 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 2023010139 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| 2023010118 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010126 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010249 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Not Eligible |
| 2023010385 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010386 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 2023010397 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 2023010398 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010176 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Not Eligible |
| 2023010178 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | Not Eligible |
| 2023010408 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Not Eligible |
| 2023010399 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Not Eligible |
| 2023010402 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010059 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 2023010020 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 2023010058 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023010055 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | Not Eligible |
| 2023010056 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010382 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Not Eligible |
| 2023010381 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010387 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010383 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023010388 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010384 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010152 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023010143 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010157 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010393 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010258 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 2023010391 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010390 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010389 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010144 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010153 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | Not Eligible |
| 2023010145 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010149 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010156 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Not Eligible |
| 2023010392 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 72 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010404 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |
| 2023010128 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | Eligible |
| 2023010142 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 2023010248 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 2023010375 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010376 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010008 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010380 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010131 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010137 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023010377 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 2023010134 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010063 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |  |
| 2023010062 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010423 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010428 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010422 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010424 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 2023010427 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010426 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010425 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 2023010419 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010065 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 2023010064 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Not Eligible |
| 2023010434 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010430 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010429 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Not Eligible |
| 2023010433 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010432 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Eligible |
| 2023010431 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Not Eligible |
| 2023010021 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023010196 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010201 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010206 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Not Eligible |
| 2023010417 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Not Eligible |
| 2023010342 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010200 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010205 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| 2023010416 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | Not Eligible |
| 2023010195 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010204 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010415 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Not Eligible |
| 2023010060 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010403 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010181 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010175 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 2023010185 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010406 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010409 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010183 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010177 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 2023010407 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | Not Eligible |
| 2023010179 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010410 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | Not Eligible |
| 2023010405 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010191 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010412 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010193 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | Eligible |
| 2023010188 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 2023010061 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Not Eligible |
| 2023010414 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Not Eligible |
| 2023010190 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Eligible |
| 2023010413 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010189 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010411 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Not Eligible |
| 2023010418 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 2023010421 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010420 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 2023010053 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010365 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010003 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Not Eligible |
| 2023010004 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 2023010002 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010373 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| 2023010117 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010371 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 2023010115 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010374 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010372 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010369 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010370 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010006 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010124 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010122 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 2023010121 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010123 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 2023010130 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010379 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 2023010136 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010378 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 2023010138 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010133 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010394 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 2023010159 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 2023010010 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| 2023010012 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010013 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010140 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010396 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023010395 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010161 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Not Eligible |
| 2023010160 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010166 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010164 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010401 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010163 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010400 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010015 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| 2023010018 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023010057 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023010624 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023010688 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023010689 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| 2023010690 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023010691 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023010692 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |

---

## Exhibit 99.9

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.9**

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Balance** |
| 2023010688 |  | XXX | XXX C D A |
| 2023010690 |  | XXX | XXX C A |
| 2023010691 |  | XXX | XXX A D |
| 2023010689 |  | XXX | XXX A |
| 2023010692 |  | XXX | XXX A |
| 2023010207 |  | XXX | XXX C A |
| 2023010215 |  | XXX | XXX A |
| 2023010208 |  | XXX | XXX D A |
| 2023010211 |  | XXX | XXX D C A B |
| 2023010209 |  | XXX | XXX A |
| 2023010210 |  | XXX | XXX A |
| 2023010212 |  | XXX | XXX C A B |
| 2023010253 |  | XXX | XXX C A |
| 2023010114 |  | XXX | XXX D C A B |
| 2023010213 |  | XXX | XXX A |
| 2023010214 |  | XXX | XXX C A |
| 2023010116 |  | XXX | XXX A |
| 2023010216 |  | XXX | XXX A |
| 2023010118 |  | XXX | XXX C A D B |
| 2023010119 |  | XXX | XXX C A |
| 2023010126 |  | XXX | XXX A C |
| 2023010217 |  | XXX | XXX A |
| 2023010127 |  | XXX | XXX C A D |
| 2023010120 |  | XXX | XXX C D B A |
| 2023010129 |  | XXX | XXX A |
| 2023010218 |  | XXX | XXX A D |
| 2023010219 |  | XXX | XXX A C |
| 2023010220 |  | XXX | XXX D A |
| 2023010221 |  | XXX | XXX C A B |
| 2023010222 |  | XXX | XXX A |
| 2023010223 |  | XXX | XXX C A B |
| 2023010224 |  | XXX | XXX A |
| 2023010225 |  | XXX | XXX C A D |
| 2023010226 |  | XXX | XXX C A B |
| 2023010227 |  | XXX | XXX A |
| 2023010228 |  | XXX | XXX A |
| 2023010229 |  | XXX | XXX A |
| 2023010315 |  | XXX | XXX A C D B |
| 2023010271 |  | XXX | XXX C A |
| 2023010289 |  | XXX | XXX C A B |
| 2023010230 |  | XXX | XXX A |
| 2023010231 |  | XXX | XXX A |
| 2023010232 |  | XXX | XXX A D |
| 2023010233 |  | XXX | XXX A |
| 2023010234 |  | XXX | XXX A |
| 2023010235 |  | XXX | XXX A D |
| 2023010236 |  | XXX | XXX A |
| 2023010237 |  | XXX | XXX A D |
| 2023010243 |  | XXX | XXX C A B |
| 2023010238 |  | XXX | XXX A B D |
| 2023010244 |  | XXX | XXX A D |
| 2023010132 |  | XXX | XXX A |
| 2023010245 |  | XXX | XXX A C D |
| 2023010254 |  | XXX | XXX A |
| 2023010239 |  | XXX | XXX A |
| 2023010240 |  | XXX | XXX C A D B |
| 2023010241 |  | XXX | XXX A |
| 2023010246 |  | XXX | XXX C A |
| 2023010139 |  | XXX | XXX A D |
| 2023010249 |  | XXX | XXX C A D |
| 2023010255 |  | XXX | XXX A |
| 2023010135 |  | XXX | XXX C A D B |
| 2023010146 |  | XXX | XXX A C D |
| 2023010256 |  | XXX | XXX A |
| 2023010250 |  | XXX | XXX A D |
| 2023010257 |  | XXX | XXX D A |
| 2023010251 |  | XXX | XXX C A |
| 2023010147 |  | XXX | XXX A |
| 2023010141 |  | XXX | XXX A C D B |
| 2023010316 |  | XXX | XXX A C D B |
| 2023010148 |  | XXX | XXX A |
| 2023010317 |  | XXX | XXX C A B |
| 2023010385 |  | XXX | XXX A |
| 2023010154 |  | XXX | XXX D C B A |
| 2023010155 |  | XXX | XXX D C A |
| 2023010259 |  | XXX | XXX C A B |
| 2023010386 |  | XXX | XXX A C |
| 2023010260 |  | XXX | XXX A |
| 2023010261 |  | XXX | XXX A |
| 2023010290 |  | XXX | XXX A C |
| 2023010291 |  | XXX | XXX A D |
| 2023010262 |  | XXX | XXX A |
| 2023010263 |  | XXX | XXX A D |
| 2023010264 |  | XXX | XXX A |
| 2023010252 |  | XXX | XXX A C B |
| 2023010150 |  | XXX | XXX A |
| 2023010272 |  | XXX | XXX A D |
| 2023010273 |  | XXX | XXX C D B A |
| 2023010274 |  | XXX | XXX A |
| 2023010151 |  | XXX | XXX A D |
| 2023010265 |  | XXX | XXX C A B |
| 2023010292 |  | XXX | XXX A D |
| 2023010266 |  | XXX | XXX A |
| 2023010318 |  | XXX | XXX C A B |
| 2023010167 |  | XXX | XXX C D B A |
| 2023010275 |  | XXX | XXX A C D B |
| 2023010165 |  | XXX | XXX D A |
| 2023010158 |  | XXX | XXX A |
| 2023010276 |  | XXX | XXX A |
| 2023010277 |  | XXX | XXX A C D B |
| 2023010293 |  | XXX | XXX A C B |
| 2023010267 |  | XXX | XXX A D |
| 2023010268 |  | XXX | XXX A |
| 2023010294 |  | XXX | XXX A C |
| 2023010278 |  | XXX | XXX A |
| 2023010279 |  | XXX | XXX C A B |
| 2023010295 |  | XXX | XXX A |
| 2023010280 |  | XXX | XXX C D B A |
| 2023010281 |  | XXX | XXX A C B |
| 2023010282 |  | XXX | XXX C A D B |
| 2023010296 |  | XXX | XXX D C A |
| 2023010173 |  | XXX | XXX C D A B |
| 2023010397 |  | XXX | XXX A |
| 2023010283 |  | XXX | XXX A C D B |
| 2023010297 |  | XXX | XXX A C B |
| 2023010174 |  | XXX | XXX C A |
| 2023010340 |  | XXX | XXX A C B |
| 2023010298 |  | XXX | XXX D A B |
| 2023010319 |  | XXX | XXX A |
| 2023010284 |  | XXX | XXX C A D B |
| 2023010285 |  | XXX | XXX A |
| 2023010320 |  | XXX | XXX D A |
| 2023010286 |  | XXX | XXX C D A B |
| 2023010299 |  | XXX | XXX A |
| 2023010168 |  | XXX | XXX A |
| 2023010321 |  | XXX | XXX C A D B |
| 2023010162 |  | XXX | XXX A |
| 2023010300 |  | XXX | XXX A C |
| 2023010287 |  | XXX | XXX A |
| 2023010301 |  | XXX | XXX C A |
| 2023010288 |  | XXX | XXX A D |
| 2023010322 |  | XXX | XXX A C B |
| 2023010169 |  | XXX | XXX D A C |
| 2023010170 |  | XXX | XXX A |
| 2023010198 |  | XXX | XXX A |
| 2023010302 |  | XXX | XXX A C B |
| 2023010303 |  | XXX | XXX A |
| 2023010187 |  | XXX | XXX A C D B |
| 2023010304 |  | XXX | XXX A C |
| 2023010398 |  | XXX | XXX A |
| 2023010305 |  | XXX | XXX C A |
| 2023010323 |  | XXX | XXX A C B |
| 2023010171 |  | XXX | XXX A |
| 2023010176 |  | XXX | XXX A C D B |
| 2023010306 |  | XXX | XXX C A B |
| 2023010324 |  | XXX | XXX A C D B |
| 2023010307 |  | XXX | XXX A C B |
| 2023010308 |  | XXX | XXX A |
| 2023010325 |  | XXX | XXX A C B |
| 2023010184 |  | XXX | XXX D C A B |
| 2023010341 |  | XXX | XXX C A |
| 2023010309 |  | XXX | XXX D C A B |
| 2023010178 |  | XXX | XXX C A B |
| 2023010310 |  | XXX | XXX D A |
| 2023010326 |  | XXX | XXX A C D |
| 2023010408 |  | XXX | XXX C A D |
| 2023010327 |  | XXX | XXX A |
| 2023010328 |  | XXX | XXX C A B |
| 2023010180 |  | XXX | XXX A C B |
| 2023010329 |  | XXX | XXX A |
| 2023010330 |  | XXX | XXX C D A B |
| 2023010343 |  | XXX | XXX A C B |
| 2023010182 |  | XXX | XXX A D |
| 2023010331 |  | XXX | XXX D A |
| 2023010332 |  | XXX | XXX A C |
| 2023010333 |  | XXX | XXX A C |
| 2023010192 |  | XXX | XXX D C A |
| 2023010362 |  | XXX | XXX A |
| 2023010199 |  | XXX | XXX A B |
| 2023010334 |  | XXX | XXX A C D B |
| 2023010344 |  | XXX | XXX D B A |
| 2023010335 |  | XXX | XXX A C B |
| 2023010194 |  | XXX | XXX A B |
| 2023010345 |  | XXX | XXX A D |
| 2023010352 |  | XXX | XXX A C B |
| 2023010346 |  | XXX | XXX A |
| 2023010353 |  | XXX | XXX C A B |
| 2023010347 |  | XXX | XXX A C B |
| 2023010348 |  | XXX | XXX A B |
| 2023010197 |  | XXX | XXX A |
| 2023010202 |  | XXX | XXX A B |
| 2023010349 |  | XXX | XXX A |
| 2023010354 |  | XXX | XXX A C B |
| 2023010355 |  | XXX | XXX A |
| 2023010356 |  | XXX | XXX A C B |
| 2023010363 |  | XXX | XXX A C B |
| 2023010357 |  | XXX | XXX D A B |
| 2023010203 |  | XXX | XXX C A D |
| 2023010358 |  | XXX | XXX A C B |
| 2023010359 |  | XXX | XXX D A |
| 2023010364 |  | XXX | XXX A C B |
| 2023010242 |  | XXX | XXX A C |
| 2023010125 |  | XXX | XXX A C |
| 2023010269 |  | XXX | XXX A C D |
| 2023010247 |  | XXX | XXX C A D |
| 2023010270 |  | XXX | XXX A D |
| 2023010314 |  | XXX | XXX A |
| 2023010311 |  | XXX | XXX A |
| 2023010186 |  | XXX | XXX C A D |
| 2023010312 |  | XXX | XXX D A |
| 2023010336 |  | XXX | XXX A C |
| 2023010313 |  | XXX | XXX A D |
| 2023010399 |  | XXX | XXX A D |
| 2023010172 |  | XXX | XXX A |
| 2023010337 |  | XXX | XXX A D |
| 2023010338 |  | XXX | XXX A |
| 2023010402 |  | XXX | XXX A C |
| 2023010350 |  | XXX | XXX A C B |
| 2023010339 |  | XXX | XXX A |
| 2023010351 |  | XXX | XXX A |
| 2023010360 |  | XXX | XXX D B A |
| 2023010361 |  | XXX | XXX A |
| 2023010366 |  | XXX | XXX A D |
| 2023010367 |  | XXX | XXX A |
| 2023010368 |  | XXX | XXX C A D B |
| 2023010059 |  | XXX | XXX A C B |
| 2023010025 |  | XXX | XXX C A |
| 2023010001 |  | XXX | XXX C A D B |
| 2023010007 |  | XXX | XXX C A B |
| 2023010027 |  | XXX | XXX C A |
| 2023010054 |  | XXX | XXX C A B |
| 2023010045 |  | XXX | XXX A |
| 2023010014 |  | XXX | XXX A |
| 2023010041 |  | XXX | XXX C A B |
| 2023010037 |  | XXX | XXX C A B |
| 2023010016 |  | XXX | XXX A |
| 2023010035 |  | XXX | XXX A |
| 2023010030 |  | XXX | XXX A C |
| 2023010031 |  | XXX | XXX C A |
| 2023010046 |  | XXX | XXX C D B A |
| 2023010028 |  | XXX | XXX A C |
| 2023010050 |  | XXX | XXX A C B |
| 2023010051 |  | XXX | XXX A C B |
| 2023010026 |  | XXX | XXX A D |
| 2023010029 |  | XXX | XXX C A |
| 2023010032 |  | XXX | XXX A |
| 2023010039 |  | XXX | XXX A |
| 2023010011 |  | XXX | XXX C A |
| 2023010042 |  | XXX | XXX D C A B |
| 2023010043 |  | XXX | XXX C A D |
| 2023010022 |  | XXX | XXX A |
| 2023010024 |  | XXX | XXX A C B |
| 2023010033 |  | XXX | XXX C A B |
| 2023010034 |  | XXX | XXX C A |
| 2023010040 |  | XXX | XXX A |
| 2023010038 |  | XXX | XXX A D |
| 2023010017 |  | XXX | XXX A D |
| 2023010047 |  | XXX | XXX C A B |
| 2023010048 |  | XXX | XXX A D |
| 2023010005 |  | XXX | XXX A |
| 2023010036 |  | XXX | XXX A D |
| 2023010009 |  | XXX | XXX A |
| 2023010019 |  | XXX | XXX A |
| 2023010049 |  | XXX | XXX A C B |
| 2023010044 |  | XXX | XXX A C |
| 2023010023 |  | XXX | XXX A B D |
| 2023010020 |  | XXX | XXX B A |
| 2023010052 |  | XXX | XXX C A B |
| 2023010058 |  | XXX | XXX A |
| 2023010382 |  | XXX | XXX A D |
| 2023010383 |  | XXX | XXX C A |
| 2023010384 |  | XXX | XXX A |
| 2023010152 |  | XXX | XXX A |
| 2023010388 |  | XXX | XXX A |
| 2023010404 |  | XXX | XXX A |
| 2023010159 |  | XXX | XXX A |
| 2023010144 |  | XXX | XXX D A |
| 2023010157 |  | XXX | XXX A |
| 2023010055 |  | XXX | XXX C A B |
| 2023010056 |  | XXX | XXX C A B |
| 2023010389 |  | XXX | XXX A |
| 2023010153 |  | XXX | XXX D A C |
| 2023010390 |  | XXX | XXX A C |
| 2023010149 |  | XXX | XXX A D |
| 2023010393 |  | XXX | XXX A |
| 2023010143 |  | XXX | XXX C A |
| 2023010391 |  | XXX | XXX D A B |
| 2023010156 |  | XXX | XXX C A B |
| 2023010387 |  | XXX | XXX C A |
| 2023010392 |  | XXX | XXX D A |
| 2023010145 |  | XXX | XXX A C D B |
| 2023010258 |  | XXX | XXX D A B |
| 2023010381 |  | XXX | XXX C A B |
| 2023010395 |  | XXX | XXX D A |
| 2023010396 |  | XXX | XXX A D |
| 2023010160 |  | XXX | XXX A |
| 2023010161 |  | XXX | XXX A D |
| 2023010166 |  | XXX | XXX C A |
| 2023010057 |  | XXX | XXX A D |
| 2023010400 |  | XXX | XXX A D |
| 2023010015 |  | XXX | XXX A |
| 2023010018 |  | XXX | XXX A |
| 2023010163 |  | XXX | XXX A D |
| 2023010164 |  | XXX | XXX C A |
| 2023010401 |  | XXX | XXX C A B |
| 2023010060 |  | XXX | XXX A C D |
| 2023010181 |  | XXX | XXX C A B |
| 2023010409 |  | XXX | XXX A C D B |
| 2023010179 |  | XXX | XXX A D |
| 2023010403 |  | XXX | XXX A C D B |
| 2023010175 |  | XXX | XXX A |
| 2023010407 |  | XXX | XXX A C D B |
| 2023010185 |  | XXX | XXX A C B |
| 2023010406 |  | XXX | XXX A D |
| 2023010410 |  | XXX | XXX C A B |
| 2023010183 |  | XXX | XXX C D A B |
| 2023010177 |  | XXX | XXX A |
| 2023010405 |  | XXX | XXX A D |
| 2023010191 |  | XXX | XXX D C A B |
| 2023010193 |  | XXX | XXX A C B |
| 2023010188 |  | XXX | XXX A B |
| 2023010412 |  | XXX | XXX A C B |
| 2023010061 |  | XXX | XXX C A B |
| 2023010190 |  | XXX | XXX A C D B |
| 2023010414 |  | XXX | XXX A C D B |
| 2023010413 |  | XXX | XXX A C B |
| 2023010189 |  | XXX | XXX A C D B |
| 2023010133 |  | XXX | XXX A C |
| 2023010201 |  | XXX | XXX A C D B |
| 2023010021 |  | XXX | XXX A B |
| 2023010196 |  | XXX | XXX C B A |
| 2023010205 |  | XXX | XXX A |
| 2023010195 |  | XXX | XXX A D |
| 2023010200 |  | XXX | XXX A C D |
| 2023010417 |  | XXX | XXX A C D B |
| 2023010204 |  | XXX | XXX C A D B |
| 2023010416 |  | XXX | XXX A |
| 2023010206 |  | XXX | XXX D C A B |
| 2023010415 |  | XXX | XXX D A C |
| 2023010342 |  | XXX | XXX A C |
| 2023010062 |  | XXX | XXX A B |
| 2023010063 |  | XXX | XXX A |
| 2023010423 |  | XXX | XXX A B D |
| 2023010426 |  | XXX | XXX A |
| 2023010419 |  | XXX | XXX A C B |
| 2023010422 |  | XXX | XXX A C B |
| 2023010424 |  | XXX | XXX C A B |
| 2023010427 |  | XXX | XXX A C B |
| 2023010425 |  | XXX | XXX A |
| 2023010428 |  | XXX | XXX A C B |
| 2023010065 |  | XXX | XXX C A |
| 2023010429 |  | XXX | XXX D C A B |
| 2023010433 |  | XXX | XXX A C B |
| 2023010064 |  | XXX | XXX C A |
| 2023010434 |  | XXX | XXX A |
| 2023010430 |  | XXX | XXX A |
| 2023010432 |  | XXX | XXX A |
| 2023010431 |  | XXX | XXX D C A B |
| 2023010365 |  | XXX | XXX C B A |
| 2023010053 |  | XXX | XXX C A B |
| 2023010010 |  | XXX | XXX C A |
| 2023010006 |  | XXX | XXX D A C B |
| 2023010008 |  | XXX | XXX A C |
| 2023010002 |  | XXX | XXX A C B |
| 2023010003 |  | XXX | XXX A C |
| 2023010012 |  | XXX | XXX A |
| 2023010004 |  | XXX | XXX A |
| 2023010013 |  | XXX | XXX A |
| 2023010121 |  | XXX | XXX A D |
| 2023010122 |  | XXX | XXX A |
| 2023010117 |  | XXX | XXX C A B |
| 2023010369 |  | XXX | XXX A |
| 2023010370 |  | XXX | XXX A |
| 2023010123 |  | XXX | XXX D A |
| 2023010371 |  | XXX | XXX A D |
| 2023010372 |  | XXX | XXX C A D |
| 2023010375 |  | XXX | XXX A D |
| 2023010373 |  | XXX | XXX A D |
| 2023010248 |  | XXX | XXX A |
| 2023010374 |  | XXX | XXX C A B |
| 2023010124 |  | XXX | XXX A D |
| 2023010128 |  | XXX | XXX C A D |
| 2023010130 |  | XXX | XXX C A D |
| 2023010131 |  | XXX | XXX A |
| 2023010140 |  | XXX | XXX A D B |
| 2023010377 |  | XXX | XXX A C D |
| 2023010378 |  | XXX | XXX A C B |
| 2023010134 |  | XXX | XXX D A B |
| 2023010376 |  | XXX | XXX A |
| 2023010379 |  | XXX | XXX A C B |
| 2023010136 |  | XXX | XXX A |
| 2023010137 |  | XXX | XXX A |
| 2023010138 |  | XXX | XXX C A D B |
| 2023010380 |  | XXX | XXX C A D |
| 2023010394 |  | XXX | XXX A |
| 2023010142 |  | XXX | XXX A |
| 2023010115 |  | XXX | XXX C A |
| 2023010411 |  | XXX | XXX C A |
| 2023010418 |  | XXX | XXX A C D B |
| 2023010421 |  | XXX | XXX A C B |
| 2023010420 |  | XXX | XXX A C B |
| 2023010624 |  | XXX | XXX A |

---

## Exhibit 99.10

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.10**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Account Number** | **Field ID** | **Original Field Value** | **Audit Value** | **Match** |
| 2023010031 | Property_Type | XXX | XXX | FALSE |
| 2023010034 | Origination_Date | XXX | XXX | FALSE |
| 2023010215 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010208 | Original_CLTV | XXX | XXX | FALSE |
| 2023010208 | Original_LTV | XXX | XXX | FALSE |
| 2023010212 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010218 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010220 | Property_Type | XXX | XXX | FALSE |
| 2023010221 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010223 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010271 | Property_Type | XXX | XXX | FALSE |
| 2023010289 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010230 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010231 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010234 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010243 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010244 | Original_CLTV | XXX | XXX | FALSE |
| 2023010244 | Original_LTV | XXX | XXX | FALSE |
| 2023010244 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010241 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010256 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010250 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010251 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010259 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010261 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010252 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010266 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010276 | Property_Type | XXX | XXX | FALSE |
| 2023010293 | Property_Type | XXX | XXX | FALSE |
| 2023010268 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010278 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010279 | Original_CLTV | XXX | XXX | FALSE |
| 2023010279 | Original_LTV | XXX | XXX | FALSE |
| 2023010295 | Property_Type | XXX | XXX | FALSE |
| 2023010319 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010284 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010299 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010321 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010300 | Original_CLTV | XXX | XXX | FALSE |
| 2023010300 | Original_LTV | XXX | XXX | FALSE |
| 2023010300 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010303 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010304 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010307 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010308 | Property_Type | XXX | XXX | FALSE |
| 2023010310 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010328 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010331 | Original_CLTV | XXX | XXX | FALSE |
| 2023010331 | Original_LTV | XXX | XXX | FALSE |
| 2023010331 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010333 | Property_Type | XXX | XXX | FALSE |
| 2023010352 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010355 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010270 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010312 | Property_Type | XXX | XXX | FALSE |
| 2023010313 | Property_Type | XXX | XXX | FALSE |
| 2023010360 | Origination_Date | XXX | XXX | FALSE |
| 2023010361 | Origination_Date | XXX | XXX | FALSE |
| 2023010367 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010350 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010688 | Property_Type | XXX | XXX | FALSE |
| 2023010146 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010154 | originator_DTI | XXX | XXX | FALSE |
| 2023010150 | originator_DTI | XXX | XXX | FALSE |
| 2023010151 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010172 | originator_DTI | XXX | XXX | FALSE |
| 2023010007 | originator_DTI | XXX | XXX | FALSE |
| 2023010129 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010132 | Loan_Purpose | XXX | XXX | FALSE |
| 2023010132 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010022 | originator_DTI | XXX | XXX | FALSE |
| 2023010174 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010184 | originator_DTI | XXX | XXX | FALSE |
| 2023010192 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010011 | originator_DTI | XXX | XXX | FALSE |
| 2023010139 | Loan_Purpose | XXX | XXX | FALSE |
| 2023010135 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010141 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010165 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010162 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010170 | UW_FICO_Utilized | XXX | XXX | FALSE |
| 2023010114 | originator_DTI | XXX | XXX | FALSE |
| 2023010408 | Loan_Purpose | XXX | XXX | FALSE |
| 2023010058 | originator_DTI | XXX | XXX | FALSE |
| 2023010398 | originator_DTI | XXX | XXX | FALSE |
| 2023010426 | Original_CLTV | XXX | XXX | FALSE |
| 2023010426 | Original_LTV | XXX | XXX | FALSE |

---

## Exhibit 99.11

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.11**

![](ex9911001.jpg)

Executive Summary

AOMT 2023-1

(1) Type of Assets.

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of eResi Mortgage LLC and SG Capital Partners LLC and its affiliates and acquired directly (or indirectly) by Angel Oak Real Estate Investment Trust III (individually and collectively the "Client"). The loan reviews were conducted from August 2021 through August 2022 by CRES.

(2) Number of Assets.

There were 80 assets in the loan population.

(3) Review Process.

The post-closing loan reviews were graded in accordance with the following NRSRO(s) Third Party Due- Diligence Criteria, in addition to the review grading of "Meets Guidelines" or "Does Not Meet Guidelines":

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● U.S. RMBS Rating Criteria dated April 18, 2022<br>|

---

The post-closing reviews included a re-underwrite of each borrowers' credit, an analysis of the property valuation, and regulatory compliance testing. Post-closing reviews are underwritten to the applicable lender's or client's underwriting guidelines and credit matrices. The review scope and methodology of these different review areas is discussed in subsequent sections of this document.

(4) Sample size of the assets reviewed.

The due diligence review was conducted on 100% of the loan population and consisted of 80 mortgage loans with an aggregate original principal balance of approximately $40,480,644. The mortgage loans were originated from March 11, 2021, to July 25, 2022.

(5) Asset Review

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below, including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

**Credit Review and Methodology**

**Credit Report**: Analyzed the Borrower's credit report/credit history, confirming that credit scores, liabilities and public records met guideline requirements. Liabilities gathered from the credit report were included in the re-calculation of the debt-to-income ratio as appropriate. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) credit report date, (ii) bankruptcy date, (iii) bankruptcy discharge date, (iv) bankruptcy chapter, (v) foreclosure date, (vi) short sell date, (vii) longest trade line (active), (viii) longest trade line balance (active), (ix) months reviewed, (x) number of trade lines, (xi) credit scores, (xii) revolving debts and (xiii) installments debts.

**Loan Application (1003):** Reviewed the Borrower's Loan Application including comparison of initial loan application against the final loan application, or other loan applications found in the file, to identify potential discrepancies. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) purpose, (ii) years in primary residence, (iii) number of mortgaged properties (as compared with the credit reports disclosed mortgages), (iv) application date, (v) borrower information (name, date of birth, social security number and number of family members), (vi) borrower's address, (vii) borrower(s)' employment information (including address, years at job, years in field), (vii) monthly income and (ix) citizenship.

**Loan Approval/Exception Form (if applicable):** Reviewed the Lender's approval and Client's exception approval documentation to confirm appropriate risk mitigating factors were present when granting exceptions.

**Sales Contract (if applicable):** Reviewed the sales contract to confirm buyer(s) and seller(s), sales price and property address matches other documents.

**Title:** Reviewed the title policy or commitment to identify possible judgments or other liens that may have existed at origination. In addition, proper vesting and parties (as disclosed on sales contract, note, and deed) were reflected accurately.

**Hazard and Flood Insurance:** Reviewed hazard and flood (if applicable) insurance to ensure policy met the minimum required amount of replacement coverage.

**Employment and Income (DTI Loans):** Reviewed borrower(s)' employment and income documentation used for qualification purposes and as applicable, Appendix Q or Ability to Repay, including recalculation of debt-to-income ratio (DTI) to confirm compliance with underwriting guidelines. Items reviewed included: (i) verbal or written verifications of employment, (ii) pay stubs, (iii) W-2's, (iv) federal tax returns, (v) bank statements, (vi) profit and loss statements, and (vii) IRS tax transcripts (when provided).

**Leases and Market Rents (DSCR Loans):** Reviewed lease agreements and third-party market rent documents to confirm compliance with Debt-Service-Coverage-Ratio requirements. Note, the documentation that can be used to establish market rents can vary from lender to lender. CRES reviews the market rent source, to ensure compliance with applicable guidelines. In some cases, lenders may not require proof of market rents, if a sourced payment history can be provided along with the lease agreement.

**Assets:** Reviewed (i) bank statements, (ii) verification-of-deposit (VOD) and (iii) stock or security account statements to ensure adequate assets were provided verifying down payment, closing costs and reserves required by the guidelines and as applicable Appendix Q or Ability to Repay.

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the qualification of credit and income, assets, property type and usage, LTV/CLTV, and documentation requirements to applicable underwriting guidelines and loan program matrices. Items included, but not

limited to: FICO, housing history, bankruptcy and foreclosure seasoning, occupancy, credit grade, loan amounts (minimum and maximum), maximum cash out amount, reserves, residual income, minimum trade lines, debt to income and debt service coverage ratio requirements.

Unless otherwise stated in the Lender's or Client's guidelines, Fannie Mae guidelines prevail.

**Property Valuation Review and Methodology**

CRES reviewed the Appraisal for completeness and conformance to industry standards, including requirements set forth in Title XI of FIRREA. The review included both data and description information provided by the appraiser. Review items included: (i) property address and borrower information matches the mortgage note and other critical origination documents, (ii) neighborhood characteristics and housing trends were acceptable and met applicable underwriting guidelines, (iii) site information for zoning compliance and possible adverse site notations reviewed for adverse conditions, FEMA Flood Zone designation matched the Flood Certification, (iv) property type and property description information met applicable underwriting guidelines, (v) comparable sales (sale dates, distance, gross and net adjustments, square footage, and value) met industry standards and were properly bracketed, (vi) comparable size, style, and location were similar to the subject address, (vii) condition of the property was average or better and notable repairs were addressed, (viii) appraisal was made on an "as is" basis or proper evidence of completion was obtained and clearly documented and addressed all "subject to" conditions noted, (ix) subject and comparable photos reviewed to ensure appraisal description information coincides with property pictures and that no visible adverse issues are present that the appraiser did not address, (x) appraisal was completed by a licensed appraiser and (xi) appraisal was completed within the required timing requirements, as disclosed in the applicable underwriting guidelines.

A Fannie Mae UCDP Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less or an enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from a client approved AMC is required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from a client approved AMC is acceptable. The source of the Appraisal Review Product may not be the same AMC used for the appraisal. If the Collateral Underwriter Risk Score is greater than 2.5 an enhanced desk review product was also required. If the Appraisal Review Product value is more than 10% below the appraised value, a second field review or appraisal was required. In certain cases, correspondents may include an enhanced desk review product from a Client approved AMC. All ARR or CDA documentation provided by a client approved AMC vendor was recorded by CRES, as an acceptable valuation support option as long as valuations were obtained in accordance with guidelines and through notable AMC vendors. Any loans that did not maintain an enhanced desk review or did not meet the Client's vendor requirements were conditioned and communicated with the Client.

If material origination valuation discrepancies could not be resolved an exception was created and the applicable NRSROs valuation grade was recorded.

**Compliance Review Methodology (Consumer Loans)**

CRES reviews on 30 consumer loan included comprehensive audit of fees and disclosed federal, state, municipal requirements along with timing of delivery requirements for TRID related Loan Estimates (LE's) and the Initial Closing Disclosure (CD's). The reviews track delivery and receipt requirements for all LE's and CD's, tracks fee changes and changed circumstances affecting fees and provides a fee tolerance comparison across all LE's and CD's. In addition to the TRID specific items, the loans were also subject to the following Pre-TRID and Post- TRID compliance testing.

*CRES utilizes a third party compliance company's software for certain compliance tests. The following*

 

 

*Pre-TRID, TRID, Qualified Mortgage (QM), and High Costs related test were completed within the third party compliance software:*

Qualified Mortgage (12 CFR § 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Negative Amortization Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Interest Only Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Balloon Payment Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan Term test.

&nbsp;&nbsp;&nbsp;&nbsp;(V) Points and Fees test.

&nbsp;&nbsp;&nbsp;&nbsp;(VI) The Qualified Mortgage DTI Threshold test.

Federal High-Cost Mortgage (HOEPA - Amended) (12 CFR §1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;(I) APR threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Points and fees threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Prepayment penalty threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;(IV) Is Not a High-Costs Mortgage.

Federal Higher-Priced Mortgage Loan (2013 Provisions) (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Higher-Priced Mortgage Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Higher-priced mortgage loan required escrow account test.

Federal TILA (12 CFR §1026.15, 18, 22, 23 and 36)

&nbsp;&nbsp;&nbsp;&nbsp;(I) TILA finance charge test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) TILA APR test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Dual Broker Compensation test.

&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan originator credits test.

&nbsp;&nbsp;&nbsp;&nbsp;(V) TILA Financing of Single Premium Credit Insurance test.

&nbsp;&nbsp;&nbsp;&nbsp;(VI) TILA Right of Rescission Test:

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial loan estimate delivery date test (from application).

&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial loan estimate delivery date test (prior to consummation).

&nbsp;&nbsp;&nbsp;&nbsp;(III) Written list of service provider's disclosure date test.

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Revised loan estimate delivery date test (prior to consummation).

Revised Loan Estimate Timing & Changed Circumstances Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised loan estimate delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised loan estimate lender credits test.

Initial Closing Disclosure Timing Requirements

&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial closing disclosure delivery date test. (12 CFR
§1026.19).

Initial Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Initial closing disclosure lender credits test.

Revised Closing Disclosure Timing Requirements (12 CFR §1026.19 and 22)

&nbsp;&nbsp;&nbsp;&nbsp;(I) APR Tolerance Test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised Closing Disclosure Waiting Period Required test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date test.

Revised Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date and date the rate was set test.

&nbsp;&nbsp;&nbsp;&nbsp;(IV) Revised closing disclosure lender credits test.

Integrated Disclosures Tolerance & Reimbursement Provisions (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Charges that cannot increase test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Lender credits that cannot decrease test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Charges that in total cannot increase more than 10% test.

&nbsp;&nbsp;&nbsp;&nbsp;(IV) Charges that can have an unlimited increase test.

Federal RESPA (12 CFR §§1024.8, 1024.20, 1026.33)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Homeownership counseling organizations disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Good Faith Estimate disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) RESPA "Your Credit or Charge" (802) Disallowed Credit and Charge test.

In addition to the checks disclosed above, various state, local high cost and/or anti-predatory laws and regulations tests were also completed using the third-party compliance software.

This pool contains 50 loans that were classified as "business purpose". In such cases compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

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

CRES reviews all loan transactions that are covered by the Ability to Repay rule as set forth in Regulation Z- Truth in Lending Act (TILA) to determine whether the lender considered and evaluated the eight underwriting factors. The eight factors reviewed are: (i) Current or reasonably expected income or assets (other than the value of the property that secures the loan) that the consumer will rely on to repay the loan, (ii) Current employment status (if you rely on employment income when assessing the consumer's ability to repay), (iii) Projected monthly mortgage payment for this loan (calculated using the introductory or fully- indexed rate, whichever is higher, and monthly, fully-amortizing payments that are substantially equal), (iv) Projected monthly payment on any simultaneous loans secured by the same property, (v) Monthly payments for property taxes and insurance that you require the consumer to buy, and certain other costs related to the property such as homeowners association fees or ground rent, (vi) Debts, alimony, and child- support obligations, (vii) Monthly debt-to-income ratio or residual income, calculated using the total of all of the mortgage and non-mortgage obligations listed above, as a ratio of gross monthly income, and (viii) Credit history.

*<u>Qualified Mortgage</u>*

When applicable, CRES assessed the borrower(s)' QM classification and re-assigns a due diligence reviewed QM or Non-QM type for each loan. Loans are classified into one of the following five categories: (i) QM/Non-Higher Priced Mortgage Loan (safe harbor): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection, (ii) QM/High Priced Mortgage Loan (rebuttable presumption): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection, (iii) Non-QM Compliant: Loans that do not meet the QM definition but fully comply with the ATR rule, (iv) Non- QM/Non-Compliant: Loans that do not meet the QM definition and do not comply with the ATR rule, and (v) Not Covered/Exempt: Loans that are not covered by the rule.

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. Classifications of QM and Non-QM are based on multiple factors including, but not limited to, requirements as set forth in Appendix Q to Part 1026.

*The table below contains the TRID eligible breakdown for the loan population:*

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;50 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;30 | &nbsp;&nbsp;37.50% |

---

**Document Review**

CRES 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;● Appraisal. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Asset documentation.<br> ● Business Purpose Certification (if applicable) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Changed circumstance documentation. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Credit report. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● FACTA disclosures. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Final 1003. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Final HUD-1/Closing Disclosure(s). |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Hazard and/or flood insurance policies. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● HUD from sale of previous residence. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Homeownership counseling organizations disclosure. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Income and employment documentation. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Initial and final GFE's. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Initial application (1003). |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Initial escrow disclosure. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Initial TIL.<br> ● Leases |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Loan Estimate(s).<br> ● Market Rent supporting documentation |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Mortgage Insurance. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Mortgage/Deed of Trust. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Note. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Notice of Special Flood Hazards. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Sales contract. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Tangible Net Benefit Disclosure. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Title/Preliminary Title. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Written List of Service Providers. |

---

(6) Tape Data Compare

CRES compared data fields on the data tape provided by the Client to the data points disclosed on the actual mortgage loan file documents, as captured by CRES. When data was available, the following data elements were compared:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**QM Type** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**P&I Payment** | &nbsp;&nbsp;**Term** |
| &nbsp;&nbsp;**Doc Level** | &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**Property City** |  |
| &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;**Note Date** | &nbsp;&nbsp;**Property State** |  |
| &nbsp;&nbsp;**FICO** | &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;**Property Zip** |  |
| &nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Purpose** |  |

---

The aggregator provided CRES with loan level data regarding the mortgage loans for the data integrity check. The aggregator received the data directly from sellers through loan registrations in its system or via data tape.

Of the 80 mortgage loans reviewed, twenty-two unique mortgage loans had at least one tape discrepancy across 20 data fields (some mortgage loans had more than one data discrepancy). The following table discloses the number of data discrepancies noted by field name. Note, data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Appraised Value\*** | &nbsp;&nbsp;80 | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;73 | &nbsp;&nbsp;7 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**Doc Level** | &nbsp;&nbsp;80 | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;72 | &nbsp;&nbsp;8 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**FICO** | &nbsp;&nbsp;78 | &nbsp;&nbsp;2 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;80 | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;80 | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;80 | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;74 | &nbsp;&nbsp;6 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**Note Date\*** | &nbsp;&nbsp;80 | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;80 | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;80 | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;73 | &nbsp;&nbsp;7 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**P&I Payment\*** | &nbsp;&nbsp;80 | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**Property City** | &nbsp;&nbsp;80 | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;80 | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**Property Zip** | &nbsp;&nbsp;80 | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;78 | &nbsp;&nbsp;2 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**QM Type\*** | &nbsp;&nbsp;80 | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;**Term** | &nbsp;&nbsp;77 | &nbsp;&nbsp;3 | &nbsp;&nbsp;80 |
| &nbsp;&nbsp;\*Appraised Value, Note Date, P&I Payment, QM Type/TILA: Tape data was not provided. | &nbsp;&nbsp;\*Appraised Value, Note Date, P&I Payment, QM Type/TILA: Tape data was not provided. | &nbsp;&nbsp;\*Appraised Value, Note Date, P&I Payment, QM Type/TILA: Tape data was not provided. | &nbsp;&nbsp;\*Appraised Value, Note Date, P&I Payment, QM Type/TILA: Tape data was not provided. |
| &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% |

---

DTI variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating incomes. Total Debt Ratio variances that were less than or equal to 3% of the tape value are not included in the data discrepancies reflected.

(7) Credit, Compliance and Property Valuation Results

**Credit Results Summary**

Approximately 100.00% of the mortgage loans in the securitization have a Credit grade of "B" or higher and 87.50% of the mortgage loans by number have a Credit grade of "A." Exceptions or waivers were documented and supported with compensating factors on the 10-credit grade "B" loans.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;70 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**80** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of all mortgage loans by number received an "A" Compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;80 | &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;**80** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of all mortgage loans by number received an "A" Valuation grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;80 | &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;**80** | &nbsp;&nbsp;**100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 87.50% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;70 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**80** | &nbsp;&nbsp;**100.00%** |

---

(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;80 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**80** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.25% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;79 | &nbsp;&nbsp;98.75% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**80** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;29 | &nbsp;&nbsp;36.25% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;50 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;**Second Home** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.25% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**80** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;31 | &nbsp;&nbsp;38.75% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;44 | &nbsp;&nbsp;55.00% |
| &nbsp;&nbsp;**Rate Term Refi** | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**80** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;56 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;6 | &nbsp;&nbsp;7.50% |
| &nbsp;&nbsp;**Condo** | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;13 | &nbsp;&nbsp;16.25% |
| &nbsp;&nbsp;**Commercial** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Townhome** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Mixed Use** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**80** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0-10%\*** | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.26% |
| &nbsp;&nbsp;**10%-20%** | &nbsp;&nbsp;4 | &nbsp;&nbsp;10.53% |
| &nbsp;&nbsp;**20%-30%** | &nbsp;&nbsp;10 | &nbsp;&nbsp;26.32% |
| &nbsp;&nbsp;**30%-40%** | &nbsp;&nbsp;9 | &nbsp;&nbsp;23.68% |
| &nbsp;&nbsp;**40%-50%** | &nbsp;&nbsp;12 | &nbsp;&nbsp;31.58% |
| &nbsp;&nbsp;**50%-60%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**38** | &nbsp;&nbsp;**100.00%** |
| **Forty-two loans qualified under a DSCR program.** | **Forty-two loans qualified under a DSCR program.** | **Forty-two loans qualified under a DSCR program.** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**<0 or\*** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**0-0.19** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**0.2-0.39** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**0.4-0.59** | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.38% |
| &nbsp;&nbsp;**0.6-0.79** | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.38% |
| &nbsp;&nbsp;**0.8-.99** | &nbsp;&nbsp;6 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**1-1.19** | &nbsp;&nbsp;21 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**1.2-1.39** | &nbsp;&nbsp;6 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;**1.4-1.59** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**1.6-1.79** | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;**1.8-1.99** | &nbsp;&nbsp;3 | &nbsp;&nbsp;7.14% |
| &nbsp;&nbsp;**=>2** | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**42** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0%-9.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.25% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.50% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;**50%-59.99%** | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.25% |
| &nbsp;&nbsp;**60%-69.99%** | &nbsp;&nbsp;24 | &nbsp;&nbsp;30.00% |
| &nbsp;&nbsp;**70%-79.99%** | &nbsp;&nbsp;29 | &nbsp;&nbsp;36.25% |
| &nbsp;&nbsp;**80%-89.99%** | &nbsp;&nbsp;14 | &nbsp;&nbsp;17.50% |
| &nbsp;&nbsp;**90%-100%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**80** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| **AZ** | &nbsp;&nbsp;7 | &nbsp;&nbsp;8.75% |
| **CA** | &nbsp;&nbsp;28 | &nbsp;&nbsp;35.00% |
| **FL** | &nbsp;&nbsp;8 | &nbsp;&nbsp;10.00% |
| **GA** | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.50% |
| **KS** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.25% |
| **MD** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.25% |
| **MI** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.25% |
| **MN** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.25% |
| **MT** | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.50% |
| **NJ** | &nbsp;&nbsp;4 | &nbsp;&nbsp;5.00% |
| **NM** | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.50% |
| **NV** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.25% |
| **NY** | &nbsp;&nbsp;6 | &nbsp;&nbsp;7.50% |
| **OH** | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.75% |
| **OR** | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.75% |
| **TX** | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.25% |
| **VA** | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.50% |

---

---

| | | |
|:---|:---|:---|
| **WA** | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.75% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**80** | &nbsp;&nbsp;**100.00%** |

---

## Exhibit 99.12

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.12**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Exceptions Report: 1/5/2023** | **Rating Agency Exceptions Report: 1/5/2023** | **Rating Agency Exceptions Report: 1/5/2023** | **Rating Agency Exceptions Report: 1/5/2023** | **Rating Agency Exceptions Report: 1/5/2023** | **Rating Agency Exceptions Report: 1/5/2023** | **Rating Agency Exceptions Report: 1/5/2023** | **Rating Agency Exceptions Report: 1/5/2023** | **Rating Agency Exceptions Report: 1/5/2023** | **Rating Agency Exceptions Report: 1/5/2023** | **Rating Agency Exceptions Report: 1/5/2023** | **Rating Agency Exceptions Report: 1/5/2023** | **Rating Agency Exceptions Report: 1/5/2023** |  |  |  |  |  |  |
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| 2023010768 |  | FL | Purchase | Second Home | Condo Attached | XXX | XXX | XXX | XXX | XXX | 210357 | Credit | 1008 | The final XXX in the file reflects a DTI of XX.XX% which exceeds guidelines. The lender calculated DTI is XX.XX% which was calculated using the income from the initial XXX plus XX% allowed variance ($XX,XXX + XX% = $XX,XXX). |  |  | Cleared Exception A | 1 |
| 2023010769 |  | CA | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 209572 | Credit | Loan Amount | According to the underwriting guidelines, loan amounts $XXX,XXX to $XXX,XXX require Lending Manager approval. In this case, the loan was approved with a loan amount of $XXX,XXX with no approval in file. | XX/XX/XXX: Document provided to clear condition. |  | Cleared Exception B | 1 |
| 2023010769 |  | CA | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 209607 | Credit | Funds to Close | The final Closing Disclosure reflects the borrower was required to bring $XXX,XXX.XX to close. The file includes Assets of $XXX,XXX.XX, leaving the borrower short funds to close in the amount of $XX,XXX.XX. | XX/XX/XXX: Document provided to clear condition. |  | Cleared Exception B | 1 |
| 2023010769 |  | CA | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 210441 | Credit | Employment | According to the underwriting guidelines, verification of employment must be completed X-days prior to closing. The file includes a VVOE for the co-borrower completed X days after closing and no VVOE was provided for the borrower in the loan file. | XX/XX/XXX: The VVOE for XXX is missing from the file. <br> XXX not used. |  | Cleared Exception B | 1 |
| 2023010769 |  | CA | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 210442 | Property | Appraisal | Provide a desk review or other third-party valuation product for the property in the loan file. | CDA provided to clear condition. |  | Cleared Exception B | 1 |
| 2023010769 |  | CA | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 210443 | Credit | Eligibilty | Provide an automated fraud and tool check in the loan file. | Data Verify provided to clear condition. |  | Cleared Exception B | 1 |
| 2023010769 |  | CA | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 211749 | Credit | FICO | According to the underwriting guidelines, a minimum X credit score from X different repositories is required with a minimum mid score of XXX for all loans. In this case, a credit score for XXX and XXX was not generated and therefore does not meet the guidelines. | Seller provided an exception dated XX/XX/XXX allowing the insufficient Fico score. | Disposable Income - Disposable Income $XX,XXX. , DTI - Low DTI of XX.XX%., LTV - Low LTV of XX.XX%. | Client Accepted B | 2 |
| 2023010769 |  | CA | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 211750 | Credit | Hazard Insurance | The proof of annual hazard policy for the borrower's primary residence at XXX XXX is missing from the loan file. | XX/XX/XXX: Document provided to clear condition. |  | Cleared Exception B | 1 |
| 2023010770 |  | FL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 213156 | Credit | Credit - Eligiblity | According to the guidelines properties that have been listed for sale within the past XXX months from the loan note date are not eligible. | An exception approval was provided for the guideline deviation. | Years On Job - The borrower has been self employed and in line of business for more than X years, Reserves - The borrower has more than X months reserves, Credit Score - The borrowers Fico of XXX is XX points greater than the minimum required Fico of XXX. | Client Accepted B | 2 |
| 2023010699 | XXX | CA | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX | 210535 | Property | Appraisal | According to the underwriting guidelines, an appraisal desk review product must be ordered on each loan from a vendor listed on the Approved Appraisal Desk Review Vendor: CDA report from XXX, XXX, or XXX. In this case, the appraisal review product is missing from the loan file. | X/XX Proteck CDA supports value of $XXX,XXX. |  | Cleared Exception A | 1 |
| 2023010705 | XXX | AZ | Purchase | Non-Owner Occupied | PUD | XXX | XXX | XXX | XXX | XXX | 222175 | Credit | Debt Service Coverage Ratio | According to the underwriting guidelines, purchases require appraisal form XXX for market rents. In this case, the XXX market rent form was not included in the loan file. | XX/XX: Document provided to clear condition. |  | Cleared Exception A | 1 |
| 2023010706 | XXX | WA | Rate Term Refi | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 225048 | Compliance | Right of Rescission | The rescission period ended on XX/XX/XXX which is after the disbursement date of XX/XX/XXX from the final CD | XX/XX: post consummation CD provided to clear condition. |  | Cleared Exception A | 1 |
| 2023010704 | XXX | MD | Purchase | Owner Occupied | PUD | XXX | XXX | XXX | XXX | XXX | 225664 | Compliance | Closing Disclosure | This loan failed the charges that cannot increase test. The XX/XX/XXX LE reflects the discount points fee as $X,XXX.XX, however the final CD reflects the discount points fee as $X,XXX.XX, for an increase of $XXX.XX. A change of circumstance for the increased fees was not included in the loan file. | XX/XX; Still significant points and fees failure. This loan failed the points and fees threshold test due to: (XXX §XX-XXX.X(a)(X)). The latest available closing date (or date creditor received application) is on or after X/XX/XXX and the date creditor received application is before X/XX/XXX, and the total points and fees, as defined in HOEPA (Section XX), payable by the consumer at or before loan closing exceed the greater of X% of the total loan amount, as defined in XXX (Section XX), or $XXX.XX. Overage variance is $XXX.XX. X/X - Seller provided evidence of undiscounted rate of X.XXX, which cures the issue. |  | Cleared Exception A | 1 |
| 2023010760 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 224249 | Credit | Income | According to the WVOE program the WVOE should be on the XXX Form XXX with recent XXX of personal bank statements reflecting deposits(s) from the employer on each of the statements. In this case the loan file contains a WVOE dated XX/XX/XXX and X months bank statements, however, there are no deposits from the employer on each of the statements. | X/XX/XXX: Client accepts WVOE and bank statements not disclosing a confirmed employer deposit. The US Bank statements do show bi-weekly deposits of $X,XXX.XX which would support the WVOE income. Client states that they verified that the borrower is actively employer, so they are accepting the seller provided documentation. | DTI - DTI of XX.XX% is XX.XX% less than the maximum allowed DTI of XX%., Months Of Reserves - XX.XX months reserves., LTV - LTV of XX% is XX% less than the maximum allowed LTV of XX%. | Client Accepted B | 2 |
| 2023010759 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 224212 | Credit | 1008 | Form XXX document is not included in the loan file. | XX/XX; document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010759 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 224213 | Credit | Credit Report | The complete original credit report is not included in the loan file. | X/XX/; document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010759 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 224214 | Credit | Initial 1003 | The initial XXX is not included in the loan file. | XX/XX; document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010759 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 224215 | Credit | Income | Full XXX months bank statements to verify Borrower's (XXX) income is not included in loan file. | XX/XX; document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010759 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 224216 | Property | Appraisal | URAR/Appraisal document is not included in the loan file. | XX/XX; document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010759 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 224251 | Property | Appraisal | According to the underwriting guidelines, an appraisal desk review product must be ordered on each loan from a vendor listed on the Approved Appraisal Desk Review Vendor: CDA report from XXX,XXX or XXX. In this case, the appraisal review product is missing from the loan file. | XX/XX; document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010759 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 224253 | Compliance | Closing Disclosure | This loan failed the charges that cannot increase test. The initial XXX reflects the broker fee as $XXX.XX, however the final CD reflects the comparable fee as $XXX.XX for an increase of $XXX.XX. A change of circumstance for the increased fee was not included in the loan file. | XX/XX; document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010757 | XXX | TX | Purchase | Owner Occupied | PUD | XXX | XXX | XXX | XXX | XXX | 224564 | Compliance | Closing Disclosure | The Written List of Service Providers document is missing from the loan file. The Homeownership Counseling Disclosure document is missing from the loan file. | XX/XX; document provided to clear condition/. |  | Cleared Exception A | 1 |
| 2023010761 | XXX | CA | Purchase | Owner Occupied | Single Family Residential | XXX | XXX | XXX | XXX | XXX | 224754 | Credit | Asset Verification | According to the underwriting matrix for the XXX, LTV > XX% required XX months reserves. In this case, the loan file only contains X.XX months reserves. | X/XX/XXX: Client elects to waive the requirement for the remaining reserve requirement. | Length of Employment - Self-employed for X years, Disposable Income - $XX,XXX.XX/ month | Client Accepted D B | 2 |
| 2023010761 | XXX | CA | Purchase | Owner Occupied | Single Family Residential | XXX | XXX | XXX | XXX | XXX | 224755 | Compliance | Closing Disclosure | The XX/XX/XXX CD is not legible. Need clear copy. | X/XX/XXX: Legible CD provided to cure. |  | Cleared Exception D B | 1 |
| 2023010762 | XXX | CA | Purchase | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 224385 | Credit | LTV | LTV max XX% U/W request X% LTV exception due to seasoning of XXX X less than XX months. Loan was underwrote XX% LTV. No exception found in credit package for this request. | X/XX/XXX: Documentation provided showing seller granted an exception for the guideline deviation. | Years In Residence - previous residence over X years, Years On Job - Co-applicant per voe is verified X years XX months , DTI - XX% less +X% of program requirement, Months Of Reserves - XX.XX months reserves. | Client Accepted B | 2 |
| 2023010762 | XXX | CA | Purchase | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 224812 | Credit | Employment | According to the underwriting guidelines, VVOEs were required XX calendar days prior to the Note date & updated within XX hours of the note date. The VVOEs were not included in the loan file. | X/XX/XXX - WVOEs provided to cure. |  | Cleared Exception B | 1 |
| 2023010756 | XXX | NJ | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX | 233725 | Credit | Final 1003 | The final XXX is not included in the loan file. | XX/XX; Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010711 | XXX | FL | Purchase | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 231431 | Compliance | Closing Disclosure | Need proof of receipt for the XXX X/XX/XXX. . | XX/XX; Document provided to clear condition. |  | Cleared Exception A | 1 |
| 2023010716 | XXX | NY | Purchase | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX | 233171 | Credit | Total Housing Ratio | Housing ratio for primary residence was not calculated correctly; insurance and taxes amounts were missing from loan file. | XX/XX; Document provided to clear condition. |  | Cleared Exception B A | 1 |
| 2023010714 | XXX | AZ | Purchase | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 231512 | Compliance | Closing Disclosure | This loan failed the initial closing disclosure delivery date test as the lender did not wait the required amount of time to close between the initial CD and the final CD. Additionally, the charges that cannot increase for the Discount Points fee increased from $XXX from the initial XXX to $XXX.XX on the initial CD, however the change of circumstance was not valid as the change occurred within X days of closing. | X/XX; Document provided to clear condition. |  | Cleared Exception A | 1 |
| 2023010763 | XXX | CA | Rate Term Refi | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX | 232102 | Credit | VOM | The Verification of Mortgage (VOM) and/or the mortgage payment history on XXX #XXX for the time frame of XX/XXX and XXX #XXX for the last XX months, (according to the mortgage coupon the borrower has had this mortgage since XXX), is not in the loan file. According to the matrix, the borrower is allowed a XXX in the last XX months with no reduction to the LTV or XXX in the last XX months with a XXX of XX% LTV. Please provide the mortgage history for both mortgage accounts for our review. | XX/XX; VOMs were not provided for review<br> XX/XX; Document provided to clear condition |  | Cleared Exception A | 1 |
| 2023010763 | XXX | CA | Rate Term Refi | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX | 232103 | Credit | Funds to Close | According to the matrix the sourced assets requirement is X months consecutive bank statements. In this case the loan file contains X bank statements from XXX for accounts #XXX and #XXX, however, the statements are for only X month. Provide the additional consecutive bank statements for both accounts ending in #XXX and #XXX for our review. | X/X/XX - client provided matrix showing only X month assets required for this product.<br> XX/XX; Matrix provided to verify minimum of XX days required. |  | Cleared Exception A | 1 |
| 2023010763 | XXX | CA | Rate Term Refi | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX | 232104 | Credit | Hazard Insurance | According to the underwriting guidelines, hazard insurance is required on all loans. Dwelling coverage covering the loan XXX% of the insurable value of the improvements as established by the property insurer or the unpaid balance of the mortgage/loan amt as long as it is equal to XX% of the insurable value of improvements on appraisal, whichever is lower. In this case, the hazard insurance reflects coverage of $X,XXX,XXX. Provide replacement cost estimator to support lower coverage or update coverage amount for our review. | XX/XX; Document provided to clear condition. |  | Cleared Exception A | 1 |
| 2023010766 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Residential | XXX | XXX | XXX | XXX | XXX | 238995 | Credit | LTV | According to the guidelines the maximum LTV is XX% for a cash out primary residence for loan amounts of $X,XXX,XXX to $X,XXX,XXX. In this case the LTV on the subject loan is XX% and the loan amount is $X,XXX,XXX. | XX/XX/XXX: XXX accepts exception with comp factors. | Prior Mortgage History - XXX for XX months on mortgage payment history, Length of Employment - Self-employed for XX years, DTI - XX.XX%. DTI | Client Accepted B | 2 |
| 2023010766 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Residential | XXX | XXX | XXX | XXX | XXX | 238996 | Credit | VOM | The Verification of Mortgage (VOM) and/or the mortgage payment history on XXX #XXX for the time frame of XX/XXX is not in the loan file. Please provide a VOM for the noted account for our review. | XX/XX; Document provided to clear condition. |  | Cleared Exception B | 1 |
| 2023010764 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 232017 | Property | Appraisal | URAR/Appraisal document is not included in the loan file. Please provide the URAR/Appraisal for our review. | X/X/XX- client provided document to clear. |  | Cleared Exception D A | 1 |
| 2023010764 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 232020 | Credit | Credit Report | The complete original credit report including the page with the credit scores is not included in the loan file. Please provide the complete original credit report including the page with the credit scores for our review. | X/X/XX- client provided document to clear. |  | Cleared Exception D A | 1 |
| 2023010764 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 232022 | Credit | Divorce Decree / Settlement Agreement | Divorce decree or Settlement Agreement is incomplete in the loan file. Child support amount on final XXX does not match the support amount verified in the loan file. Please provide the complete divorce decree or Settlement Agreement reflecting the monthly payments listed on the XXX for our review. DTI is pending until this is received. | XX/XX; Divorce decree was provided in the loan file, CS support for X children was $XXX/mo until the age of XX or XX if still in high school. I child turned XX X days prior to closing. resulting in only $XXX.XX due for Xnd child. |  | Cleared Exception D A | 1 |
| 2023010764 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 232023 | Compliance | Other | The loan file is missing the Loan Estimates and the initial Closing Disclosure. Provide the missing Loan Estimates and the initial Closing Disclosure for our review. | X/XX/XXX: Lender provided document to clear. |  | Cleared Exception D A | 1 |
| 2023010764 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 232207 | Compliance | Loan Estimate | The initial Loan Estimate is not in file. Please provide the Loan Estimate for our review. | X/X/XX- client provided document to clear. |  | Cleared Exception D A | 1 |
| 2023010764 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 232209 | Credit | Credit | According to the Note the late payment parameters is XXX (X) daysXXX XX% late fee, however, the Closing Disclosure reflects the late payment parameters is XXX (XX) days late incur a X% late fee. Please provide satisfactory evidence of which late payment parameters is accurate for our review. | X/XX/XXX: Lender provided document to clear. |  | Cleared Exception D A | 1 |
| 2023010764 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 232211 | Compliance | Right of Rescission | Right of rescission period violated. Please provide proof the rescission period was provided to the borrower(s). | X/X/XX- client provided document to clear. |  | Cleared Exception D A | 1 |
| 2023010764 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 232212 | Credit | Final 1003 Discrepancies | Final XXX is incomplete and is not signed by the loan officer. Provide the final XXX completed in full and signed by the loan officer for our review. | XX/XX; Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010764 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 232214 | Credit | Program Eligibilty | Exception Required: XXX to XXX XX months bank statements - No business bank statements. Xnd mortgage charge off. Exception approval could not be located in the loan file. Provide a copy of the exception for our review. | XX/XX; Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010767 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Residential | XXX | XXX | XXX | XXX | XXX | 239015 | Compliance | Other | This loan failed the initial closing disclosure delivery date. The initial closing disclosure delivery date is less than XXX business days before the consummation date. | XX/XX/XXX: The document provided was not for the borrower. Please upload the correct document. <br> XX/XX; Document provided to clear condition. |  | Cleared Exception A | 1 |
| 2023010767 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Residential | XXX | XXX | XXX | XXX | XXX | 239016 | Credit | LTV | According to the guidelines the maximum LTV for a cash out primary residence with a credit score over XXX is XX% with a loan amount of $X,XXX,XXX - $X,XXX,XXX. In this case the LTV is XX% with a loan amount of $X,XXX,XXX on a primary residence cash out loan. | XX/XX/XXX: XXX accepts exception with comp factors. |  | Cleared Exception A | 1 |
| 2023010767 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Residential | XXX | XXX | XXX | XXX | XXX | 239017 | Credit | Credit | According to the guidelines "Profit & Loss statement prepared by XXX or an XXX. The credit file must contain documentation showing the CPA is currently licensed in their state or the EA is currently active (Screen shot of the XXX)" Additionally, "o The preparer must attest they have prepared the borrower's most recent tax return; and A minimum X-months of business bank statements covering the most recent X-month period." In this case the loan file is missing proof of the CPA, the CPA letter and the X months business bank statements covering the most recent X months. | XX/XX; Lender provided loan matrix utilized in approval verifying P&L statement only program. |  | Cleared Exception A | 1 |
| 2023010755 | XXX | NY | Purchase | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX | 232692 | Credit | Final 1003 | The final XXX is not included in the loan file. | XX/XX; Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010755 | XXX | NY | Purchase | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX | 232693 | Credit | Note | The fully executed Note is missing from file | XX/XX; Document provided to clear condition |  | Cleared Exception D A | 1 |
| 2023010755 | XXX | NY | Purchase | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX | 232694 | Credit | Sales Contract | The sales contract is missing. A fully executed sales contract that reflects all terms of the transaction must be documented in the loan file. | XX/XX; Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010755 | XXX | NY | Purchase | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX | 232696 | Credit | Note / Deed of Trust / Mortgage | Deed of Trust/Mortgage is not included in the loan file. Please provide a complete copy of the Deed of Trust/Mortgage. | XX/XX; Document provided to clear condition |  | Cleared Exception D A | 1 |
| 2023010755 | XXX | NY | Purchase | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX | 232697 | Credit | Initial 1003 | The initial XXX is not included in the loan file. A complete executed dated copy of the initial XXX must be retained in file. | XX/XX; Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010755 | XXX | NY | Purchase | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX | 232698 | Credit | Closing Disclosure | The Closing Disclosure is not included in the loan file. Please provide an executed Closing Disclosure for our review. | XX/XX; Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010755 | XXX | NY | Purchase | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX | 232704 | Credit | Asset Verification | required asset verification support is not in file. Please provide assets supporting purchase and reserve requirements. | XX/XX; Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010755 | XXX | NY | Purchase | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX | 233788 | Property | Appraised Value | missing XXXparty review value validation: CDA/SSR/Desk Review: XXX | XX/XX; Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010738 | XXX | NV | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 235246 | Credit | Loan Amount | According to underwriting guidelines, borrowers are limited to XXX (X) loans with XXX not to exceed $X,XXX,XXX. In this case, borrower has XX loans with XXX with combined total balance of $X,XXX,XXX. | Client exception granted for number of loans exceeding X and total balance exceeding $X,XXX,XXX with compensating factors - borrower has strong credit, XX depth, XX years history on multiple mortgages, all paid as agreed. | Credit Score - Guideline XXX XXX Borrower XXX XXX, Months Of Reserves - XXX.XX months of reserves | Client Accepted B | 2 |
| 2023010743 | XXX | CA | Purchase | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 237506 | Credit | Eligibilty | According to the underwriting guidelines, self-employed borrowers must be self-employed with the same business for a minimum of XXX years. In this case the business opened XX/XX/XXX. | Client exception granted exception to proceed without X years history in the same line of work (real estate) for the past X years. Compensating factors - borrower has XXXK in reserves, XXX FICO, low LTV, low DTI and strong mortgage history. | Months Of Reserves - XX.XX months of reserves, Credit Score - XXX score is XXX points higher than the guideline score of XXX., DTI - XX.XX% DTI is XX.XX points below guideline maximum XX%. | Client Accepted B | 2 |
| 2023010742 | XXX | MT | Refi - Cash Out | Non-Owner Occupied | Condo Attached | XXX | XXX | XXX | XXX | XXX | 237381 | Credit | Program Eligibilty | It appears that the terms of the subject loan do not meet eligibility guidelines. The guidelines state that proof of receipt for the most recent XX months is required for short term rental income. In this case the borrower has been renting the property out since XX/XXX through XXX and XXX which is less than the XX months required. The rental income has been calculated over XX months using the rental income from XX/XXX - XX/XX/XXX. | X/XX/XXX: Missing or short housing history allowed with an max XX% LTV and minimum fico of XXX. Loan meets program guidelines. |  | Cleared Exception A | 1 |
| 2023010753 | XXX | CA | Rate Term Refi | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 240389 | Credit | HUD-1 | The final HUD-X/Settlement Statement is not located in the file. | XX/XX; Document provided to clear condition. |  | Cleared Exception A | 1 |
| 2023010745 | XXX | CA | Purchase | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 239859 | Credit | Borrower Eligibilty | According to the underwriting guidelines, the maximum payment shock for a first time homebuyer cannot exceed XXX%. In this case, the payment shock exceeds XXX%, which does meet the guideline requirement. | XX/XX/XXX - This cannot be cleared as the guidelines that have been uploaded for this loan was for an investment property, however, the subject loan is for a First Time Homebuyer of a Primary residence with bank statement income documentation.<br> XX/XX; Guidelines utilized for approval provided dated XX/XX/XXX. According to the guidelines when non standard requirement not met (missing or < XX months housing history) maximum XX% LTV. Borrower lives rent free with parents- loan approved at XX%. |  | Cleared Exception A | 1 |
| 2023010752 | XXX | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 240367 | Credit | HUD-1 | The final HUD-X/Settlement Statement could not be located in the file. | XX/XX; Document provided to clear condition. |  | Cleared Exception A | 1 |
| 2023010697 | XXX | TX | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 241349 | Credit | Asset Verification | According to the underwriting guidelines, first time investors are required to have XX months reserves. In this case the borrower has XX.XX months and does not meet guideline requirements. | XX/XX; Document provided to clear condition. |  | Cleared Exception A | 1 |
| 2023010697 | XXX | TX | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 241350 | Credit | Debt Service Coverage Ratio | According to the guidelines, the seller must provide evidence of the DSCR calculations and how they were obtained or the DSCR income calculation worksheet is required to be in the loan file. The worksheet is missing from the loan file. | XX/XX; Document provided to clear condition. |  | Cleared Exception A | 1 |
| 2023010725 | XXX | CA | Purchase | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 239473 | Credit | Income | The Borrower Affirmation-Asset Qualification Form is missing in the file. | XX/XX/XXX: Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010725 | XXX | CA | Purchase | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 239475 | Compliance | Closing Disclosure | The Closing Disclosure contains a form error. The closing date on the signed C/D reflects X/XX/XXX, the Disbursement Date reflects X/X/XXX, and the borrower signed the closing documents X/X/XXX. The post close C/D reflects a closing date of X/X and a disbursement date of X/X/XXX and is not signed/dated by the borrower. Provide evidence Closing Disclosure was redisclosed with the correct information and a explanation for the reason the borrower signed the closing package one day after it closed. | XX/XX/XXX: Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010725 | XXX | CA | Purchase | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 239627 | Credit | Credit - Inquiries | Credit report reflects inquiries that are not addressed/explained. Provide a letter of credit inquiry explanation for our review. | XX/XX/XXX: Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010725 | XXX | CA | Purchase | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 239629 | Credit | Closing Disclosure | The X/XX/XXX revised CD is not signed. Need receipt date. | XX/XX/XXX: Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010693 | XXX | NJ | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX | 239775 | Property | Appraisal | According to the underwriting guidelines, an appraisal desk review product must be XXX from a vendor listed on the Approved Appraisal Desk Review Vendor: CDA report fromXXX, or XXX. In this case, the appraisal review product is missing from the loan file. | XX/XX/XXX: Document provided to clear condition. |  | Cleared Exception A | 1 |
| 2023010772 | XXX | CA | Purchase | Non-Owner Occupied | PUD | XXX | XXX | XXX | XXX | XXX | 240986 | Credit | Income | The Business Purpose and Occupancy Affidavit form is missing from the file. | XX/XX: Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010772 | XXX | CA | Purchase | Non-Owner Occupied | PUD | XXX | XXX | XXX | XXX | XXX | 240991 | Credit | Final 1003 | The Final XXX/XXX forms do not reflect all assets verified in the file for closing costs, down payment, and XX months of reserves. Gift is not permitted on the program, however all non borrowing spouse assets may be used for qualification purposes. In this case, the spouse's asset with XXX #XXX for $XXX.XX is missing on the XXX/XXX and it appears there is insufficient funds for the loan. Provide letter from non borrowing spouse allowing the borrower XXX% access to his assets provided in the loan file. | XX/XX; Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010695 | XXX | KS | Purchase | Non-Owner Occupied | Four-Unit Property | XXX | XXX | XXX | XXX | XXX | 243961 | Credit | Debt Service Coverage Ratio | According to the guidelines, the seller must provide evidence of the DSCR calculations and how they were obtained or the DSCR income calculation worksheet is required to be in the loan file. The worksheet is missing from the loan file. | X/XX: Document provided to clear condition. |  | Cleared Exception A | 1 |
| 2023010735 | XXX | NY | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 242014 | Credit | Closing Disclosure | The Final signed Closing Disclosure is not included in the loan file. | XX/XX; Document provided to clear condition. |  | Cleared Exception D A | 1 |
| 2023010696 | XXX | FL | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 244652 | Credit | Credit | According to the underwriting guidelines, the maximum DTI is XX% . In this case, the calculated DTI is XX% which exceeds the guidelines. The difference in DTI was due to the bank statement calculation as the lender used a XX% expense factor when XX% should have been utilized based on the business. | XX/XX; Document provided to clear condition |  | Cleared Exception B | 1 |
| 2023010696 | XXX | FL | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 244680 | Credit | Credit - Eligiblity | Documentation in file showing evidence of tax preparers business is missing from the loan file. | XX/XX; Document provided to clear condition |  | Cleared Exception B | 1 |
| 2023010696 | XXX | FL | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 245010 | Compliance | Other | The initial CD is missing from the loan file. | XX/XX/XXX: Document provided to clear condition. |  | Cleared Exception B | 1 |
| 2023010696 | XXX | FL | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 245011 | Compliance | Other | This loan failed the charges that cannot increase test. The initial LE reflects the mortgage broker fee as $XXX, the Discount Points fee as $X.XX, Transfer Taxes as $XXX, and theXXX Fee as $X.XX, however the final CD reflects the mortgage broker fee as $XXX, the Discount Points fee as $XXX.XX, Transfer Taxes as $XXX.XX and the XXX Fee as $XX, for an increase of $XXX.XX. A change of circumstance for the increased fees was not included in the loan file. | XX/XX/XXX: Document provided to clear condition. |  | Cleared Exception B | 1 |
| 2023010696 | XXX | FL | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 246078 | Credit | Total Debt Ratio | The calculated DTI of XX.XX% exceeds the maximum allowed DTI of XX% per the underwriting guidelines. . | XXX accepts DTI with compensating factors. | Credit Score - XXX credit score exceeds minimum required credit score of XXX., Reserves - XX months of reserves exceed minimum required reserves of X months., Length of Employment - Borrower has been in same line of work for XX years. | Client Accepted B | 2 |
| 2023010694 | XXX | TX | Purchase | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 244524 | Credit | Final 1003 Discrepancies | Final XXX is incomplete - it is missing citizenship information for co-borrower. | XX/XX/XXX: Document provided to clear condition. |  | Cleared Exception B | 1 |
| 2023010694 | XXX | TX | Purchase | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 244525 | Credit | Credit | A credit exception was granted for rural and over XX acres. Total acreage is XX.XX. Exception granted - scenario desk approval is in file XX/XX/XXX. Exception was granted as long as appraised value did not give any value to land over XX acres which is noted on the appraisal | XXX accepted exception via email | Credit Score - XXX credit score exceeds minimum required, DTI - DTI is extremely low at XX.XX%., Reserves - XX months of reserves exceed minimum required reserves of X months. | Client Accepted B | 2 |
| 2023010694 | XXX | TX | Purchase | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX | 244560 | Credit | Eligibilty | An exception request was denied which was made on X/XX/XX via email stating that borrower has XX% ownership interest in the business as the entity being owned by a separate entity in which the borrower has a XX%/XX% ownership with his non-borrowing, now borrowing spouse. | XXX accepts the exception based on comp factors. | Credit Score - XXX credit score exceeds minimum required, DTI - DTI is extremely low at XX.XX%., Reserves - XX months of reserves exceed minimum required reserves of X months. | Client Accepted B | 2 |
| **#N/A** |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |
| 2023010771 |  | FL | Purchase | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010702 | XXX | CA | Rate Term Refi | Owner Occupied | Condo Attached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010700 | XXX | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010703 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010701 | XXX | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010758 | XXX | CA | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010707 | XXX | AZ | Refi - Cash Out | Owner Occupied | PUD | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010708 | XXX | WA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010709 | XXX | CA | Refi - Cash Out | Non-Owner Occupied | Condo Attached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010717 | XXX | AZ | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010718 | XXX | FL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010719 | XXX | OH | Purchase | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010720 | XXX | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010710 | XXX | CA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010712 | XXX | NY | Purchase | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010713 | XXX | NY | Purchase | Non-Owner Occupied | Single Family Attached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010715 | XXX | NM | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010721 | XXX | NM | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010765 | XXX | CA | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010736 | XXX | AZ | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010754 | XXX | NY | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010737 | XXX | CA | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010740 | XXX | OR | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010741 | XXX | OR | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010739 | XXX | NJ | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010744 | XXX | MT | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010727 | XXX | NJ | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010723 | XXX | FL | Refi - Cash Out | Owner Occupied | Single Family Residential | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010722 | XXX | OH | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010724 | XXX | MI | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010728 | XXX | OR | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010730 | XXX | GA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010750 | XXX | TX | Refi - Cash Out | Non-Owner Occupied | PUD | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010751 | XXX | VA | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010747 | XXX | AZ | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010729 | XXX | GA | Purchase | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010746 | XXX | VA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010731 | XXX | CA | Refi - Cash Out | Non-Owner Occupied | Condo Attached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010732 | XXX | TX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010733 | XXX | MN | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010734 | XXX | WA | Refi - Cash Out | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010698 | XXX | AZ | Rate Term Refi | Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010749 | XXX | FL | Purchase | Non-Owner Occupied | Single Family Attached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010748 | XXX | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| 2023010726 | XXX | OH | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | A |  |
| **45** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.13

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.13**

---

| | | |
|:---|:---|:---|
| **Rating Agency Grades: 1/5/2023** | **Rating Agency Grades: 1/5/2023** | **Rating Agency Grades: 1/5/2023** |
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| 2023010768 |  | XXX |
| 2023010769 |  | XXX B |
| 2023010770 |  | XXX B |
| 2023010771 |  | XXX |
| 2023010699 | XXX | XXX |
| 2023010702 | XXX | XXX |
| 2023010700 | XXX | XXX |
| 2023010703 | XXX | XXX |
| 2023010701 | XXX | XXX |
| 2023010705 | XXX | XXX |
| 2023010706 | XXX | XXX |
| 2023010704 | XXX | XXX |
| 2023010760 | XXX | XXX B |
| 2023010759 | XXX | XXX D |
| 2023010757 | XXX | XXX |
| 2023010761 | XXX | XXX D B |
| 2023010758 | XXX | XXX |
| 2023010762 | XXX | XXX B |
| 2023010707 | XXX | XXX |
| 2023010708 | XXX | XXX |
| 2023010709 | XXX | XXX |
| 2023010717 | XXX | XXX |
| 2023010718 | XXX | XXX |
| 2023010756 | XXX | XXX D |
| 2023010719 | XXX | XXX |
| 2023010720 | XXX | XXX |
| 2023010710 | XXX | XXX |
| 2023010711 | XXX | XXX |
| 2023010716 | XXX | XXX B |
| 2023010712 | XXX | XXX |
| 2023010713 | XXX | XXX |
| 2023010714 | XXX | XXX |
| 2023010715 | XXX | XXX |
| 2023010721 | XXX | XXX |
| 2023010763 | XXX | XXX |
| 2023010766 | XXX | XXX B |
| 2023010764 | XXX | XXX D |
| 2023010765 | XXX | XXX |
| 2023010767 | XXX | XXX |
| 2023010736 | XXX | XXX |
| 2023010754 | XXX | XXX |
| 2023010755 | XXX | XXX D |
| 2023010737 | XXX | XXX |
| 2023010738 | XXX | XXX B |
| 2023010743 | XXX | XXX B |
| 2023010740 | XXX | XXX |
| 2023010741 | XXX | XXX |
| 2023010742 | XXX | XXX |
| 2023010739 | XXX | XXX |
| 2023010753 | XXX | XXX |
| 2023010745 | XXX | XXX |
| 2023010744 | XXX | XXX |
| 2023010752 | XXX | XXX |
| 2023010727 | XXX | XXX |
| 2023010723 | XXX | XXX |
| 2023010697 | XXX | XXX |
| 2023010725 | XXX | XXX D |
| 2023010722 | XXX | XXX |
| 2023010693 | XXX | XXX |
| 2023010724 | XXX | XXX |
| 2023010772 | XXX | XXX D |
| 2023010728 | XXX | XXX |
| 2023010730 | XXX | XXX |
| 2023010750 | XXX | XXX |
| 2023010751 | XXX | XXX |
| 2023010747 | XXX | XXX |
| 2023010729 | XXX | XXX |
| 2023010746 | XXX | XXX |
| 2023010731 | XXX | XXX |
| 2023010732 | XXX | XXX |
| 2023010733 | XXX | XXX |
| 2023010734 | XXX | XXX |
| 2023010698 | XXX | XXX |
| 2023010695 | XXX | XXX |
| 2023010735 | XXX | XXX D |
| 2023010696 | XXX | XXX B |
| 2023010749 | XXX | XXX |
| 2023010694 | XXX | XXX B |
| 2023010748 | XXX | XXX |
| 2023010726 | XXX | XXX |

---

## Exhibit 99.14

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.14**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TPR Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| 2023010699 | XXX | XXX | XXX | DTI | XXX | Yes |
| 2023010723 | XXX | XXX | XXX | DTI | XXX | Yes |
| 2023010693 | XXX | XXX | XXX | DTI | XXX | Yes |
| 2023010727 | XXX | XXX | XXX | DTI | XXX | Yes |
| 2023010729 | XXX | XXX | XXX | DTI | XXX | Yes |
| 2023010730 | XXX | XXX | XXX | DTI | XXX | Yes |
| 2023010694 | XXX | XXX | XXX | DTI | XXX | Yes |
| 2023010696 | XXX | XXX | XXX | DTI | XXX | Yes |
| 2023010761 | XXX | XXX | XXX | LTV | XXX | Yes |
| 2023010752 | XXX | XXX | XXX | LTV | XXX | Yes |
| 2023010734 | XXX | XXX | XXX | LTV | XXX | Yes |
| 2023010728 | XXX | XXX | XXX | LTV | XXX | Yes |
| 2023010732 | XXX | XXX | XXX | LTV | XXX | Yes |
| 2023010733 | XXX | XXX | XXX | LTV | XXX | Yes |
| 2023010761 | XXX | XXX | XXX | CLTV | XXX | Yes |
| 2023010752 | XXX | XXX | XXX | CLTV | XXX | Yes |
| 2023010734 | XXX | XXX | XXX | CLTV | XXX | Yes |
| 2023010728 | XXX | XXX | XXX | CLTV | XXX | Yes |
| 2023010729 | XXX | XXX | XXX | CLTV | XXX | Yes |
| 2023010732 | XXX | XXX | XXX | CLTV | XXX | Yes |
| 2023010733 | XXX | XXX | XXX | CLTV | XXX | Yes |
| 2023010756 | XXX | XXX | XXX | Original Balance | XXX | Yes |
| 2023010729 | XXX | XXX | XXX | Original Balance | XXX | Yes |
| 2023010747 | XXX | XXX | XXX | Original Balance | XXX | Yes |
| 2023010733 | XXX | XXX | XXX | Original Balance | XXX | Yes |
| 2023010734 | XXX | XXX | XXX | Original Balance | XXX | Yes |
| 2023010697 | XXX | XXX | XXX | Original Balance | XXX | Yes |
| 2023010728 | XXX | XXX | XXX | Original Balance | XXX | Yes |
| 2023010720 | XXX | XXX | XXX | Loan Term | XXX | Yes |
| 2023010697 | XXX | XXX | XXX | Loan Term | XXX | Yes |
| 2023010747 | XXX | XXX | XXX | Loan Term | XXX | Yes |
| 2023010769 | XXX | XXX | XXX | FICO | XXX | Yes |
| 2023010771 | XXX | XXX | XXX | FICO | XXX | Yes |
| 2023010707 | XXX | XXX | XXX | Purpose | XXX | Yes |
| 2023010763 | XXX | XXX | XXX | Purpose | XXX | Yes |

---

## Exhibit 99.15

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** |  |  |  |  |  |  |  |  |
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Seller Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **Company** | **CU Date** |
| 2023010768 |  | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010769 |  | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010770 |  | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010771 |  | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010699 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010702 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010700 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010703 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010701 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010705 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010706 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010704 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010760 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010759 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010757 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010761 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010758 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010762 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010707 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010708 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010709 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010717 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010718 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010756 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010719 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010720 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010710 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010711 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010716 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010712 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010713 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010714 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010715 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010721 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010763 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010766 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX | XXX | Full Appraisal | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010764 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010765 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010767 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX | XXX | Full Appraisal | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010736 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010754 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010755 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010737 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010738 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010743 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010740 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010741 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010742 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010739 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010753 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010745 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010744 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010752 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010727 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010723 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010697 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010725 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010722 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010693 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010724 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010772 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010728 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010730 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010750 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010751 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010747 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010729 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010746 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010731 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010732 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010733 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010734 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010698 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010695 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010735 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010696 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010749 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010694 | XXX | XXX | XXX | XXX | Sale Price | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |
| 2023010748 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010726 | XXX | XXX | XXX | XXX | Appraised Value | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |

---

## Exhibit 99.16

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.16**

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; ![](ex9916001.jpg) <br>**AOMT 2023-1**<br>| &nbsp;&nbsp;&nbsp; Mortgage Loan Sale <br> Executive Summary <br> Report<br>![](ex9916002.jpg) <br>|

---

  <u>0 \| P a g e</u>

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| 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 |

---

  <u>1 \| P a g e</u>

**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.

  <u>2 \| P a g e</u>

**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 Angel Oak Real Estate Investment Trust III ("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 two hundred and fifteen (215) mortgage loans that were originally reviewed from September 2021 to September 2022.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ "Compliance Review": 52 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit Review": 215 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Property Review" 215 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Data Integrity" 215 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 two hundred and fifteen (215) 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:

---

| | | | |
|:---|:---|:---|:---|
| &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 two hundred and fifteen (215) 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.

  <u>3 \| P a g e</u>

There were 20 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

**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

  <u>4 \| P a g e</u>

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:** 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 one hundred and thirty-seven (137) mortgage loans with DSCR calculation. There were one (1) mortgage loan 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

  <u>5 \| P a g e</u>

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.

**(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 two hundred and fifteen (215) mortgage loans. For these two hundred and fifteen (215) 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

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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.

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.** 

Infinity completed a Compliance Review on fifty-two (52) mortgage loans. 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.

Infinity 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):</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

  <u>7 \| P a g e</u>

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>Tolerances (§§1026.18, 22 and 23):</u> 

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

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

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

&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;e) <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.

&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> 

&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, Infinity 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, Infinity'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;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>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;i) <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;j) <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

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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;

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.

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**(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 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 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;

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;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 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 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;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

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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)).

Infinity 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). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity 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, Infinity 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) 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 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, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity 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, Infinity 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, Infinity 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>*

Infinity 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

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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.

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review** 

Infinity 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 Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the 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.

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

**(XI) FIRREA Review** 

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr 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, Infinity 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**

Infinity 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;

&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.

**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").

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**OVERALL RESULTS SUMMARY (215 Mortgage Loans)** 

Infinity's review to NRSRO grading requirements covers two hundred and fifteen (215) mortgage loans. Within those mortgage loans, Infinity graded one hundred and eighty-three (183) mortgage loans as "A" and thirty-two (32) mortgage loans 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;48 | &nbsp;&nbsp;187 | &nbsp;&nbsp;215 | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;28 | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &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;92.31% | &nbsp;&nbsp;86.98% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;85.12% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;13.02% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;14.88% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (215 Mortgage Loans)**

Of the two hundred and fifteen (215) mortgage loans reviewed, 74 (34.42%) mortgage loans had tape discrepancies across sixteen (16) unique data fields.

  <u>14 \| P a g e</u>

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Variances** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% # Loans** |
| &nbsp;&nbsp;B1 Credit Score | &nbsp;&nbsp;48 | &nbsp;&nbsp;215 | &nbsp;&nbsp;22.33% |
| &nbsp;&nbsp;B1 Latest Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.47% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;14 | &nbsp;&nbsp;215 | &nbsp;&nbsp;6.51% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.47% |
| &nbsp;&nbsp;Housing Ratio per U/W (Initial Rate) | &nbsp;&nbsp;5 | &nbsp;&nbsp;215 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Income B1 U/W | &nbsp;&nbsp;2 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;4 | &nbsp;&nbsp;215 | &nbsp;&nbsp;1.86% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;1 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.47% |
| &nbsp;&nbsp;Original Stated P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.47% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.47% |
| &nbsp;&nbsp;Property Postal Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.47% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;215 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Representative Score | &nbsp;&nbsp;2 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.47% |
| &nbsp;&nbsp;Total Income Per U/W | &nbsp;&nbsp;1 | &nbsp;&nbsp;215 | &nbsp;&nbsp;0.47% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (215 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;215 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$101026887.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**215** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$101026887.00** | &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;215 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$101026887.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**215** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$101026887.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |

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  <u>15 \| P a g e</u>

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Cash Out: Other/Multi - Purpose/Unknown | &nbsp;&nbsp;81 | &nbsp;&nbsp;37.67% | &nbsp;&nbsp;$31842775.00 | &nbsp;&nbsp;31.52% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.98% | &nbsp;&nbsp;$14117800.00 | &nbsp;&nbsp;13.98% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;93 | &nbsp;&nbsp;43.26% | &nbsp;&nbsp;$44314527.00 | &nbsp;&nbsp;43.86% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;26 | &nbsp;&nbsp;12.09% | &nbsp;&nbsp;$10751785.00 | &nbsp;&nbsp;10.64% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**215** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$101026887.00** | &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;240 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.93% | &nbsp;&nbsp;$1980000.00 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;213 | &nbsp;&nbsp;99.07% | &nbsp;&nbsp;$99046887.00 | &nbsp;&nbsp;98.04% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**215** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$101026887.00** | &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;Primary | &nbsp;&nbsp;44 | &nbsp;&nbsp;20.47% | &nbsp;&nbsp;$38906499.00 | &nbsp;&nbsp;38.51% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.72% | &nbsp;&nbsp;$6446750.00 | &nbsp;&nbsp;6.38% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;163 | &nbsp;&nbsp;75.81% | &nbsp;&nbsp;$55673638.00 | &nbsp;&nbsp;55.11% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**215** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$101026887.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

  <u>16 \| P a g e</u>

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;INV Portfolio Program Guidelines October 7 2020.pdf |
| &nbsp;&nbsp;INV ICF Guidelines October 7 2020.pdf |
| &nbsp;&nbsp;INV Portfolio Program Guidelines November 10 2020.pdf |
| &nbsp;&nbsp;INV Portfolio Program Guidelines January 6 2021.pdf |
| &nbsp;&nbsp;TPR INV ICF Guidelines February 8 2021.pdf |
| &nbsp;&nbsp;TPR INV Portfolio Program Guidelines February 26 2021.pdf |
| &nbsp;&nbsp;TPR INV Portfolio Program Guidelines May 7 2021.pdf |
| &nbsp;&nbsp;TPR INV ICF Guidelines August 30 2021.pdf |
| &nbsp;&nbsp;TPR INV ICF Guidelines October 1 2021.pdf |
| &nbsp;&nbsp;TPR INV Portfolio Program Guidelines June 18 2021.pdf |
| &nbsp;&nbsp;Correspondent Portfolio Program Guidelines January 31 2022.pdf |
| &nbsp;&nbsp;TPR INV Portfolio Program Guidelines May 26 2022.pdf |
| &nbsp;&nbsp;TPR INV ICF Guidelines May 26 2022.pdf |
| &nbsp;&nbsp;TPR INV ICF Guidelines June 20 2022.pdf |
| &nbsp;&nbsp;STWD Simple Access Underwriting Guidelines-Internal v 6.2.pdf |
| &nbsp;&nbsp;MoFin Rental Loan Underwriting Gudelines - March 14 2022 (v3.6).pdf |
| &nbsp;&nbsp;EC NonQM Eligibility Guidelines v3.7.pdf |
| &nbsp;&nbsp;EC NonQM Investor Eligibility Guidelines v3.7 (Marked-up).pdf |
| &nbsp;&nbsp;EC NonQM Investor Eligibility Guidelines v3.8 (Marked-up).pdf |
| &nbsp;&nbsp;EC NonQM Investor Eligibility Guidelines v3.9 (Marked-up).pdf |

---

  <u>17 \| P a g e</u>

## Exhibit 99.17

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.17**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2023010631 | XXX | XXX | XXX | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| 2023010551 | XXX | XXX | XXX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| 2023010512 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010545 | XXX | XXX | XXX | 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 CA | Not Applicable | Not Applicable | VD | VA |
| 2023010082 | XXX | XXX | XXX | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| 2023010087 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010096 | XXX | XXX | XXX | 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 |
| 2023010075 | XXX | XXX | XXX | Investor | Cash Out 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 CB | Not Applicable | Not Applicable | VD | VA |
| 2023010441 | XXX | XXX | XXX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VA | VA |
| 2023010099 | XXX | XXX | XXX | Investor | Refinance 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 |
| 2023010097 | XXX | XXX | XXX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D CA | RA | RA | VD | VA |
| 2023010524 | XXX | XXX | XXX | 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 CA | Not Applicable | Not Applicable | VD | VA |
| 2023010818 | XXX | XXX | XXX | 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 |
| 2023010455 | XXX | XXX | XXX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010508 | XXX | XXX | XXX | Investor | Refinance 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 |
| 2023010635 | XXX | XXX | XXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010513 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010445 | XXX | XXX | XXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010814 | XXX | XXX | XXX | Investor | Refinance 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 |
| 2023010804 | XXX | XXX | XXX | Investor | Refinance 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 |
| 2023010511 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010637 | XXX | XXX | XXX | Primary | Purchase B | A D B | B | A D B | B | A D B | B | A D B | B | A D B CD CB | RB | RA | VA | VA |
| 2023010504 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010523 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010472 | XXX | XXX | XXX | Investor | Purchase B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| 2023010519 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010506 | XXX | XXX | XXX | 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 |
| 2023010449 | XXX | XXX | XXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010453 | XXX | XXX | XXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010476 | XXX | XXX | XXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| 2023010547 | XXX | XXX | XXX | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| 2023010468 | XXX | XXX | XXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| 2023010549 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010625 | XXX | XXX | XXX | 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 |
| 2023010499 | XXX | XXX | XXX | 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 |
| 2023010479 | XXX | XXX | XXX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| 2023010503 | XXX | XXX | XXX | 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 |
| 2023010490 | XXX | XXX | XXX | 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 |
| 2023010806 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010830 | XXX | XXX | XXX | 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 |
| 2023010629 | XXX | XXX | XXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010451 | XXX | XXX | XXX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010458 | XXX | XXX | XXX | 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 |
| 2023010552 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010833 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010841 | XXX | XXX | XXX | 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 |
| 2023010802 | XXX | XXX | XXX | 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 |
| 2023010550 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010077 | XXX | XXX | XXX | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010548 | XXX | XXX | XXX | 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 CA | Not Applicable | Not Applicable | VD | VA |
| 2023010630 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010803 | XXX | XXX | XXX | Investor | Cash Out A | Not Applicable C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C CC CA | Not Applicable | Not Applicable | VD | VA |
| 2023010482 | XXX | XXX | XXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D CA | RA | RA | VD | VA |
| 2023010444 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010827 | XXX | XXX | XXX | Primary | Cash Out B | A D B | A | A D B | A | A D B | A | A D B | A | A D B CD CB | RA | RA | VA | VA |
| 2023010466 | XXX | XXX | XXX | 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 |
| 2023010525 | XXX | XXX | XXX | Investor | Purchase B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| 2023010085 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010442 | XXX | XXX | XXX | 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 |
| 2023010469 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010069 | XXX | XXX | XXX | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010817 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010498 | XXX | XXX | XXX | 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 CA | Not Applicable | Not Applicable | VD | VA |
| 2023010543 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010452 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010505 | XXX | XXX | XXX | 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 |
| 2023010540 | XXX | XXX | XXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| 2023010517 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010811 | XXX | XXX | XXX | 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 CA | Not Applicable | Not Applicable | VD | VA |
| 2023010509 | XXX | XXX | XXX | 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 |
| 2023010826 | XXX | XXX | XXX | 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 |
| 2023010633 | XXX | XXX | XXX | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| 2023010839 | XXX | XXX | XXX | 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 |
| 2023010823 | XXX | XXX | XXX | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| 2023010474 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010464 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010477 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010492 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010078 | XXX | XXX | XXX | Primary | Purchase B A | B A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| 2023010542 | XXX | XXX | XXX | 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 |
| 2023010533 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010440 | XXX | XXX | XXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010526 | XXX | XXX | XXX | 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 |
| 2023010481 | XXX | XXX | XXX | 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 |
| 2023010439 | XXX | XXX | XXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010546 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010829 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010068 | XXX | XXX | XXX | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| 2023010471 | XXX | XXX | XXX | 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 |
| 2023010088 | XXX | XXX | XXX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| 2023010632 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010634 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010522 | XXX | XXX | XXX | Investor | Cash Out B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| 2023010810 | XXX | XXX | XXX | Investor | Refinance 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 |
| 2023010438 | XXX | XXX | XXX | 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 |
| 2023010815 | XXX | XXX | XXX | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| 2023010516 | XXX | XXX | XXX | 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 |
| 2023010842 | XXX | XXX | XXX | Investor | Refinance 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 |
| 2023010090 | XXX | XXX | XXX | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| 2023010494 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010812 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010073 | XXX | XXX | XXX | 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 |
| 2023010484 | XXX | XXX | XXX | Primary | Refinance B A | B A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| 2023010819 | XXX | XXX | XXX | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| 2023010094 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010463 | XXX | XXX | XXX | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| 2023010531 | XXX | XXX | XXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| 2023010095 | XXX | XXX | XXX | Investor | Refinance 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 |
| 2023010435 | XXX | XXX | XXX | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010837 | XXX | XXX | XXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010076 | XXX | XXX | XXX | Investor | Refinance 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 CB | Not Applicable | Not Applicable | VD | VA |
| 2023010628 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010071 | XXX | XXX | XXX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| 2023010805 | XXX | XXX | XXX | Investor | Refinance 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 | VD | VA |
| 2023010834 | XXX | XXX | XXX | 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 |
| 2023010475 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010502 | XXX | XXX | XXX | 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 |
| 2023010478 | XXX | XXX | XXX | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010501 | XXX | XXX | XXX | 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 |
| 2023010083 | XXX | XXX | XXX | Primary | Cash Out B A | B A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| 2023010843 | XXX | XXX | XXX | 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 |
| 2023010514 | XXX | XXX | XXX | 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 |
| 2023010553 | XXX | XXX | XXX | Investor | Cash Out B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| 2023010538 | XXX | XXX | XXX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010486 | XXX | XXX | XXX | 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 CA | Not Applicable | Not Applicable | VD | VA |
| 2023010070 | XXX | XXX | XXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010459 | XXX | XXX | XXX | 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 |
| 2023010079 | XXX | XXX | XXX | Investor | Refinance 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 |
| 2023010838 | XXX | XXX | XXX | Investor | Refinance 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 |
| 2023010480 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010493 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010067 | XXX | XXX | XXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010450 | XXX | XXX | XXX | Primary | Refinance A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| 2023010638 | XXX | XXX | XXX | 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 |
| 2023010530 | XXX | XXX | XXX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| 2023010820 | XXX | XXX | XXX | 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 |
| 2023010489 | XXX | XXX | XXX | Investor | Refinance B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| 2023010461 | XXX | XXX | XXX | 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 |
| 2023010086 | XXX | XXX | XXX | 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 |
| 2023010626 | XXX | XXX | XXX | Investor | Refinance 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 |
| 2023010844 | XXX | XXX | XXX | 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 |
| 2023010801 | XXX | XXX | XXX | Investor | Refinance 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 |
| 2023010809 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010443 | XXX | XXX | XXX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010825 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010072 | XXX | XXX | XXX | 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 |
| 2023010470 | XXX | XXX | XXX | 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 |
| 2023010101 | XXX | XXX | XXX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010824 | XXX | XXX | XXX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| 2023010465 | XXX | XXX | XXX | Investor | Purchase B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| 2023010496 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010074 | XXX | XXX | XXX | 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 |
| 2023010527 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010831 | XXX | XXX | XXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| 2023010491 | XXX | XXX | XXX | 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 CA | Not Applicable | Not Applicable | VD | VA |
| 2023010515 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010084 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010436 | XXX | XXX | XXX | Primary | Cash Out A | A D | B | A D | B | A D | B | A D | B | A D CD CA | RB | RA | VA | VA |
| 2023010520 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010800 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010537 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010495 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010485 | XXX | XXX | XXX | Primary | Refinance B | A D B | A | A D B | A | A D B | A | A D B | A | A D B CB | RA | RA | VD | VA |
| 2023010093 | XXX | XXX | XXX | 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 |
| 2023010807 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010535 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010521 | XXX | XXX | XXX | 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 |
| 2023010500 | XXX | XXX | XXX | Investor | Cash Out 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 CB | Not Applicable | Not Applicable | VD | VA |
| 2023010091 | XXX | XXX | XXX | 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 |
| 2023010462 | XXX | XXX | XXX | Investor | Purchase B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| 2023010813 | XXX | XXX | XXX | Investor | Refinance 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 |
| 2023010532 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010488 | XXX | XXX | XXX | Investor | Purchase B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| 2023010832 | XXX | XXX | XXX | Investor | Refinance 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 |
| 2023010507 | XXX | XXX | XXX | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| 2023010460 | XXX | XXX | XXX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| 2023010541 | XXX | XXX | XXX | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| 2023010822 | XXX | XXX | XXX | Investor | Cash Out 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 |
| 2023010539 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010534 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010089 | XXX | XXX | XXX | 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 |
| 2023010840 | XXX | XXX | XXX | 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 |
| 2023010835 | XXX | XXX | XXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010529 | XXX | XXX | XXX | Investor | Purchase B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| 2023010467 | XXX | XXX | XXX | 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 |
| 2023010066 | XXX | XXX | XXX | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| 2023010627 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010497 | XXX | XXX | XXX | 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 |
| 2023010098 | XXX | XXX | XXX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B CB | RA | RA | VA | VA |
| 2023010808 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010821 | XXX | XXX | XXX | 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 |
| 2023010473 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010487 | XXX | XXX | XXX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CD CA | RD | RA | VA | VA |
| 2023010092 | XXX | XXX | XXX | 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 |
| 2023010437 | XXX | XXX | XXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010454 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010446 | XXX | XXX | XXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010448 | XXX | XXX | XXX | 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 |
| 2023010536 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010510 | XXX | XXX | XXX | Investor | Refinance 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 |
| 2023010828 | XXX | XXX | XXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| 2023010100 | XXX | XXX | XXX | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| 2023010816 | XXX | XXX | XXX | Secondary | Cash Out A | A B | A | A B | A | A B | A | A B | A | A B CB CA | RA | RA | VA | VA |
| 2023010456 | XXX | XXX | XXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| 2023010636 | XXX | XXX | XXX | Primary | Cash Out B A | B A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| 2023010457 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010836 | XXX | XXX | XXX | Primary | Refinance A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| 2023010081 | XXX | XXX | XXX | Secondary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| 2023010080 | XXX | XXX | XXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| 2023010483 | XXX | XXX | XXX | 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 |
| 2023010544 | XXX | XXX | XXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| 2023010102 | XXX | XXX | XXX | Investor | Purchase B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| 2023010518 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010528 | XXX | XXX | XXX | Investor | Purchase 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 |
| 2023010447 | XXX | XXX | XXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |

---

## Exhibit 99.18

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.18** 

**Tape Discrepancies**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna Id** | **Loan #1** | **Loan #2** | **Field** | **Loan Value** | **Tape Value** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| NZ5SE5WZRQP | 2023010838 |  | Purpose of Transaction per HUD-1 | XXX | XXX | XXX | Final CD reflects Purpose of Transaction per HUD-X as Rate/Term Refinance. | Initial |  |
| NZ5SE5WZRQP | 2023010838 |  | Representative Score | XXX | XXX | XXX | The Credit Report dated X/X/XXX reflects the Representative Score as XXX. | Initial |  |
| K44GEBA3Y0Z | 2023010837 |  | B1 Latest Credit Score | XXX | XXX | XXX | The credit report dated X/X/XXX reflects BX Latest Credit Score as XXX. | Initial |  |
| K44GEBA3Y0Z | 2023010837 |  | Borrower DTI Ratio Percent | XXX | XXX | XXX | Total subject property PITIA (P&I $X,XXX.XX + Real Estate Taxes $XXX.XX + Hazard Insurance $XXX.XX + Flood Insurance $X.XX+ MI $X.XX+ HOA Dues $X.XX + Other $XX.XX) equals $XXX.XX and monthly other debts equals $X,XXX. Total verified monthly income equals $XX,XXX.XX . Borrower DTI ratio equals XX.XXX%. | Initial |  |
| K44GEBA3Y0Z | 2023010837 |  | Income B1 U/W | XXX | XXX | XXX | The Income documents submitted support Borrower monthly qualifying income as $XX,XXX.XX. | Initial |  |
| K44GEBA3Y0Z | 2023010837 |  | Original Appraisal Date | XXX | XXX | XXX | The Appraisal reflects the Original Appraisal Date as XX/XX/XXX. | Initial |  |
| WJ2PBMS0WCG | 2023010098 |  | Borrower DTI Ratio Percent | XXX | XXX | XXX | Total subject property PITIA (P&I $ XXX.XX + Real Estate Taxes $ XXX.XX + Hazard Insurance $XXX.XX + Flood Insurance $X.XX + MI X.XX + HOA Dues $X.XX) equals $XXX.XX and other monthly debts $XXX.XX Total verified monthly income equals $XXX.XX. DTI Ratio equals XX.XXX%. | Initial |  |
| WJ2PBMS0WCG | 2023010098 |  | Housing Ratio per U/W (Initial Rate) | XXX | XXX | XXX | Total subject property PITIA (P&I $ XXX.XX + Real Estate Taxes $ XXX.XX + Hazard Insurance $XXX.XX + Flood Insurance $X.XX + MI X.XX + HOA Dues $X.XX) equals $XXX.XX . Total verified monthly income equals $XXX.XX. Housing Ratio equals XX.XXX%. | Initial |  |
| EZFO5FDZHQ1 | 2023010069 |  | Borrower DTI Ratio Percent | XXX | XXX | XXX | Total subject property PITIA (P&I $X,XXX.XX + Real Estate Taxes $XXX.XX + Hazard Insurance $XX.XX + Flood Insurance $X.XX + MI $X.XX + HOA Dues $XX.XX) equals $X,XXX.XX and monthly other debts equals $XXX.XX. Total verified monthly income equals $X,XXX.XX. Borrower DTI ratio equals XX.XXX%. | Initial |  |
| MITXHO255AF | 2023010083 |  | Original CLTV Ratio Percent | XXX | XXX | XXX | Collateral Value used for Underwriting: $X,XXX,XXX.XX Amount of Secondary Lien(s): $X.XX. Loan Amount: $XXX,XXX.XX CLTV = XX.XXX% | Initial |  |
| MITXHO255AF | 2023010083 |  | Original Standard LTV (OLTV) | XXX | XXX | XXX | Collateral Value used for Underwriting: $X,XXX,XXX.XX Loan Amount: $XXX,XXX.XX LTV = XX.XXX% | Initial |  |
| K4NQ1EGRZHB | 2023010076 |  | Purpose of Transaction per HUD-1 | XXX | XXX | XXX | The Final CD reflects Purpose of Transaction per HUD-X as limited cash out. | Initial |  |
| QXP3PJPTPSG | 2023010101 |  | Housing Ratio per U/W (Initial Rate) | XXX | XXX | XXX | Total subject property PITIA (P&I $ XXX.XX + Real Estate Taxes $ XXX.XX + Hazard Insurance $XXX.XX + Flood Insurance $X.XX + MI $X.XX + HOA Dues $XXX.XX) equals $XXX.XX and non sub primary residence : $XXX Total verified monthly income equals $XXX.XX . Housing Ratio equals XX.XXX%. | Initial |  |
| 4KP5ZPOEAVU | 2023010637 |  | Borrower DTI Ratio Percent | XXX | XXX | XXX | Total subject property PITIA (P&I $XXX.XX + Real Estate Taxes $XXX.XX + Hazard Insurance $XXX.XX + Flood Insurance $X.XX+ MI $X.XX + HOA Dues $X.XX) equals $XXX.XX and monthly other debts equals $XXX . Total verified monthly income equals $XXX.XX. Borrower DTI ratio equals XX.XXX%. | Initial |  |
| 04HZDPLB1XG | 2023010631 |  | B1 Credit Score | XXX | XXX | XXX | Credit report dated X/XX/XXX reflects BX Credit score as XXX. | Initial |  |
| 04HZDPLB1XG | 2023010631 |  | Borrower DTI Ratio Percent | XXX | XXX | XXX | Loan is qualified with DSCR program. | Initial |  |
| 33K0JZ5MU0S | 2023010635 |  | Borrower DTI Ratio Percent | XXX | XXX | XXX | Total subject property PITIA (P&I $XXX.XX + Real Estate Taxes $XXX.XX + Hazard Insurance $ XX + Flood Insurance $X.XX + MI $X.XX + HOA Dues $X.XX) equals $XXX.XX and monthly other debts equals $XXX.XX . Total verified monthly income equals $XXX.XX . Borrower DTI ratio equals XX.XX%. | Initial |  |
| 33K0JZ5MU0S | 2023010635 |  | Housing Ratio per U/W (Initial Rate) | XXX | XXX | XXX | Total subject property PITIA (P&I $XXX.XX + Real Estate Taxes $XXX.XX + Hazard Insurance $ XX + Flood Insurance $X.XX + MI $X.XX + HOA Dues $X.XX) equals $XXX.XX and Total verified monthly income equals $XXX.XX . Housing Ratio equals XX.XX%. | Initial |  |
| K3U0BYNGDXW | 2023010435 |  | B1 Credit Score | XXX | XXX | XXX | The credit report dated XX/XX/XXX reflects BX Credit Score as XXX. | Initial |  |
| SBJ5XP4C2RL | 2023010436 |  | B1 Credit Score | XXX | XXX | XXX | The credit report dated XX/X/XXX reflects BX Credit Score as XXX. | Initial |  |
| AUPL5DHVOEG | 2023010547 |  | Borrower Last Name | XXX | XXX | XXX | The Note dated X/XX/XXX and signed at closing, reflects the Borrower Last Name as Franco. | Initial |  |
| 5KC505EGQBB | 2023010449 |  | Purpose of Transaction per HUD-1 | XXX | XXX | XXX | Final CD reflects Purpose of Transaction per HUD-X as Cash-out. | Initial |  |
| IPDBGNZK0PP | 2023010438 |  | B1 Credit Score | XXX | XXX | XXX | The credit report dated XX/XX/XXX reflects BX Credit Score as XXX. | Initial |  |
| 3BYS4XN534B | 2023010445 |  | Original CLTV Ratio Percent | XXX | XXX | XXX | Collateral Value used for Underwriting: $XXX,XXX.XX Amount of Secondary Lien(s): $X.XX Loan Amount: $XXX,XXX.XX CLTV = XX.XXX% | Initial |  |
| CEJMS3DIRHO | 2023010458 |  | B1 Credit Score | XXX | XXX | XXX | The Credit report dated XX/XX/XXX reflects BX Credit score as XXX. | Initial |  |
| MXCHG5GGYQ5 | 2023010538 |  | Borrower DTI Ratio Percent | XXX | XXX | XXX | Total subject property PITIA (P&I $X,XXX.XX + Real Estate Taxes $XXX.XX + Hazard Insurance $XXX.XX + Flood Insurance $X.XX + MI $X.XX + HOA Dues $XXX.XX) equals $X,XXX.XX and monthly other debts equals $XX,XXX.XX. Total verified monthly income equals $XX,XXX.XX. Borrower DTI ratio equals XX.XXX%. | Initial |  |
| JNIYB1WPBSK | 2023010484 |  | B1 Credit Score | XXX | XXX | XXX | Credit report dated XX/XX/XXX reflect BX Credit score is XXX | Initial |  |
| JNIYB1WPBSK | 2023010484 |  | Borrower DTI Ratio Percent | XXX | XXX | XXX | Total subject property PITIA (P&I $ XXX.XX + Real Estate Taxes $ XXX.XX + Hazard Insurance $XXX.XX + Flood Insurance $X.XX + MI $X.XX + HOA Dues $X.XX) equals $X,XXX.XX and total monthly debts equal $XXX.XX Total verified monthly income equals $XX,XXX.XX Borrower DTI ratio equals XX.XXX%. | Initial |  |
| JNIYB1WPBSK | 2023010484 |  | Housing Ratio per U/W (Initial Rate) | XXX | XXX | XXX | Total subject property PITIA (P&I $ XXX.XX + Real Estate Taxes $ XXX.XX + Hazard Insurance $XXX.XX + Flood Insurance $X.XX + MI $X.XX + HOA Dues $X.XX) equals $X,XXX.XX Total verified monthly income equals $XX,XXX.XX Housing Ratio equals XX.XXX%. | Initial |  |
| FL5FSAMGCTK | 2023010498 |  | B1 Credit Score | XXX | XXX | XXX | The Credit report dated X/XX/XXX reflect BX Credit score is XXX. | Initial |  |
| SOGKR0PPXAD | 2023010485 |  | B1 Credit Score | XXX | XXX | XXX | Credit report dated XX/XX/XXX reflect BX Credit score is XXX. | Initial |  |
| PGDGQBZCETW | 2023010489 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| NVICDUUANT5 | 2023010459 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| LER103GI2H5 | 2023010502 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| BGY5CD0FCSP | 2023010503 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| NAJJKGRHGMP | 2023010486 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| UVYZWMUUOPU | 2023010460 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| IDH2PAC5VKD | 2023010471 |  | Original Stated P&I | XXX | XXX | XXX | Note dated X/XX/XXX reflects Original Stated P&I as $X,XXX.XX. | Initial |  |
| XAS3PDFS43W | 2023010487 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| G1OMB3N00MQ | 2023010505 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| H34EUY13K5X | 2023010542 |  | Original CLTV Ratio Percent | XXX | XXX | XXX | Collateral Value used for Underwriting: $XXX,XXX.XX. Amount of Secondary Lien(s): $X.XX Loan Amount: $XXX,XXX.XX. CLTV = XX.XXX%. | Initial |  |
| YKDCIYIKQNA | 2023010456 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| Y1QLEONRKCN | 2023010510 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| SII5ERHCXUD | 2023010495 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| 4ETXWFLJMJF | 2023010511 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| R1V2VZVEDFB | 2023010496 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| 0AJVWDFNB4D | 2023010512 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| FS2T0K04FJU | 2023010543 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| 3ASE1HOIRW5 | 2023010513 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| MJSZJPJAGLW | 2023010514 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| RYK14M03H2U | 2023010515 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| IYK4GNLIAW0 | 2023010516 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| PIFEQMYCMII | 2023010461 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| WILGQUJDOX2 | 2023010497 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| G4JFC5LERU3 | 2023010517 |  | Property Postal Code | XXX | XXX | XXX | Note dated XX/XX/XXX reflects the Property Postal Code as XXX. | Initial |  |
| 4NHABVGHTO0 | 2023010523 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit score as XXX. | Initial |  |
| ZT4GS4TDFO2 | 2023010518 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| ZG5YQAR4P4D | 2023010544 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| TV400FDO5FC | 2023010462 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| DAX3WF3VQI1 | 2023010548 |  | Original CLTV Ratio Percent | XXX | XXX | XXX | Collateral Value used for Underwriting: $XXX,XXX.XX. Amount of Secondary Lien(s): $X.XX. Loan Amount: $XXX,XXX.XX. CLTV = XX.XXX%. | Initial |  |
| 0BXSRYW5BY3 | 2023010545 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| 2MARAXRERUK | 2023010524 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects BX Credit Score as XXX. | Initial |  |
| 4ZDMRU5CQ5G | 2023010519 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| SENXCFT1JND | 2023010520 |  | B1 Credit Score | XXX | XXX | XXX | The Credit report dated XX/XX/XXX reflects BX Credit score as XXX. | Initial |  |
| RT0TCTPKLGL | 2023010527 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects BX Credit Score as XXX. | Initial |  |
| HW2DQNII3AV | 2023010546 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit score as XXX. | Initial |  |
| ZUKOZBMW5AA | 2023010528 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects BX Credit score as XXX. | Initial |  |
| GNTD31H5FPZ | 2023010474 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit score as XXX. | Initial |  |
| ALOGF5X52KE | 2023010476 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| MUXHMDF0WVW | 2023010553 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| MUXHMDF0WVW | 2023010553 |  | Borrower DTI Ratio Percent | XXX | XXX | XXX | Total subject property PITIA (P&I $XXX.XX + Real Estate Taxes $XXX.XX + Hazard Insurance $XXX.XX + Flood Insurance $X + MI $X + HOA Dues $X) equals $XXX.XX and monthly other debts equals $XXX.XX Total verified monthly income equals $XXX.XX Borrower DTI ratio equals XX.XXX%. | Initial |  |
| MUXHMDF0WVW | 2023010553 |  | Housing Ratio per U/W (Initial Rate) | XXX | XXX | XXX | Total subject property PITIA (P&I $XXX.XX + Real Estate Taxes $XXX.XX + Hazard Insurance $XXX.XX + Flood Insurance $X + MI $X + HOA Dues $X) equals $XXX.XX and Total verified monthly income equals $XXX.XX Housing ratio equals XX.XXX%. | Initial |  |
| W4P1ON0GLEV | 2023010529 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| PFBJWO5C2UG | 2023010530 |  | Subject Property Type | XXX | XXX | XXX | The Appraisal dated X/X/XXX reflects the subject property as a PUD. | Initial |  |
| K0REGHVQKCR | 2023010531 |  | B1 Credit Score | XXX | XXX | XXX | The Credit report datedX/XX/XXX reflects BX Credit score as XXX. | Initial |  |
| CZIL4T4O430 | 2023010550 |  | B1 Credit Score | XXX | XXX | XXX | Credit report dated XX/XX/XXX reflect BX Credit score is XXX. | Initial |  |
| 05MXYUCOEME | 2023010551 |  | B1 Credit Score | XXX | XXX | XXX | Credit report dated XX/XX/XXX reflect BX Credit score is XXX. | Initial |  |
| XYJKURWPT0I | 2023010536 |  | B1 Credit Score | XXX | XXX | XXX | The Credit Report dated XX/XX/XXX reflects the BX Credit Score as XXX. | Initial |  |
| QAMTHF2OFF5 | 2023010801 |  | Borrower DTI Ratio Percent | XXX | XXX | XXX | The monthly payment of Non-subject primary residence equals $X.XX and monthly other debts equals $X,XXX.XX. Total verified monthly income equals $XX,XXX.XX. Borrower DTI ratio equals XX.XXX%. | Initial |  |
| DLAJGZCEY4B | 2023010803 |  | Original Appraisal Date | XXX | XXX | XXX | The Appraisal reflects the Original Appraisal Date as XX/XX/XXX. | Initial |  |
| DLAJGZCEY4B | 2023010803 |  | Purpose of Transaction per HUD-1 | XXX | XXX | XXX | Final CD reflects Purpose of Transaction per HUD-X as Cash-out. | Initial |  |
| DLAJGZCEY4B | 2023010803 |  | Representative Score | XXX | XXX | XXX | Credit report dated XX/XX/XXX reflects the Representative Score is XXX. | Initial |  |
| 4BUD5Q0H1MS | 2023010804 |  | Borrower DTI Ratio Percent | XXX | XXX | XXX | The monthly payment of Non-subject primary residence equals $X,XXX.XX and monthly other debts equals $X,XXX.XX. Total verified monthly income equals $XX,XXX.XX. Borrower DTI ratio equals XX.XXX%. | Initial |  |
| 4BUD5Q0H1MS | 2023010804 |  | Total Income Per U/W | XXX | XXX | XXX | The Income documents submitted support Borrower monthly income at $XX,XXX.XX. Total Income per U/W equals $XX,XXX.XX. | Initial |  |
| KWQLU350ZWY | 2023010805 |  | Property City | XXX | XXX | XXX | Note dated XX/XX/XXX reflects the Property City as XXX. | Initial |  |
| GAQE5YLLQIT | 2023010811 |  | Purpose of Transaction per HUD-1 | XXX | XXX | XXX | Final CD reflects Purpose of Transaction per HUD-X as Cash-out. | Initial |  |
| KHLTNCQWM5V | 2023010628 |  | Borrower DTI Ratio Percent | XXX | XXX | XXX | Total subject property PITIA (P&I $XXX.XX + Real Estate Taxes $XXX.XX + Hazard Insurance $XX.XX + Flood Insurance $X.XX + MI $X.XX + HOA Dues $X.XX) equals $XXX.XX and Non sub primary residence $X,XXX and monthly other debts equals $XXX.XX Total verified monthly income equals $XX,XXX.XX. Borrower DTI ratio equals XX.XXX% | Initial |  |
| BAHTQBPX3QX | 2023010625 |  | Borrower DTI Ratio Percent | XXX | XXX | XXX | Total subject property PITIA (P&I $XXX.XX + Real Estate Taxes $X.XX + Hazard Insurance $X.XX + Flood Insurance $X.XX + MI $X.XX+ HOA Dues $X.XX) equals $XXX.XX and Non-Subj Primary Residence $XXX.XX monthly other debts equals $X,XXX. Total verified monthly income equals $X,XXX.XX. Borrower DTI ratio equals XX.XXX%. | Initial |  |
| BAHTQBPX3QX | 2023010625 |  | Income B1 U/W | XXX | XXX | XXX | The Income documents submitted support Borrower monthly qualifying income as $X,XXX.XX. | Initial |  |
| WCHEOZIA5I1 | 2023010627 |  | Borrower DTI Ratio Percent | XXX | XXX | XXX | Total subject property PITIA (P&I $XXX.XX + Real Estate Taxes $XXX.XX + Hazard Insurance $XX.XX + Flood Insurance $X.XX+ MI $X.XX + HOA Dues $XXX.XX) equals $X,XXX.XX and Non-Subj. Primary Residence - $XXX.XX. Monthly other debts equals $X,XXX.XX . Total verified monthly income equals $XXX. Borrower DTI ratio equals XX.XXX% | Initial |  |

---

## Exhibit 99.19

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.19**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| XXX | 2023010078 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | GZ0K3AJUKXQ-EB2MK65Q | Resolved | 3 | R | \* TILA Finance Charge (Lvl R) | Finance charge disclosed on Final CD is $XXX,XXX.XX Calculated Finance Charge is $XXX,XXX.XX, for an under disclosed amount of $XXX.XX. Require lender cure and/or PCCD .<br>Received PC CD | Received PC CD | Received PC CD |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010078 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | GZ0K3AJUKXQ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail Charged X.XXX% Allowed X.XXX% Overby +X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010097 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | 2D4WSQ4KLOW-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Original; stated value is $X,XXX,XXX.XX. Xnd full appraisal is available in loan files with valuation of $X,XXX,XXX. Variance is more than XX% negative. Require additional valuation to support original stated value.<br>Resolved XX/XX/XXX: The lower value of appraisal $X,XXX,XXX.XX was used for LTV. | Resolved XX/XX/XXX: The lower value of appraisal $X,XXX,XXX.XX was used for LTV. | Resolved XX/XX/XXX: The lower value of appraisal $X,XXX,XXX.XX was used for LTV. |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010075 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | 15PR4LN5NAN-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Mortgage history does not meet guide minimum requirement. Borrower lives rent free. <br>Exception approval with compensating factors available in loan file.<br>High Credit Score - XXX<br> Excellent Credit History<br> High Asset Reserves - XX+ months |  |  | High Credit Score - XXX<br>Excellent Credit History<br>High Asset Reserves - XX+ months |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010075 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 2 | Valuation | Valuation | 15PR4LN5NAN-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score is more than X.X. Require additional valuation to support original stated value.<br>Received CDA with variance of X.XX% | Received CDA with variance of X.XX% | Received CDA with variance of X.XX% |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010098 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | WJ2PBMS0WCG-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Guide restricts maximum loan amount to $X.X MM. Subject loan amount is $X,XXX,XXX.XX. Exceptional approval with compensating factors available in loan file.<br>High Credit Score<br> Excellent Credit History<br> High Asset Reserves<br> High Residual Income<br> Length of Time at Employment |  |  | High Credit Score<br> Excellent Credit History<br> High Asset Reserves<br> High Residual Income<br> Length of Time at Employment |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010066 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | W5EYRGU3HDU-NFSUVLR0 | Resolved | 2 | R | \* Missing Required State Disclosures (Lvl R) | This loan failed the NC rate spread home loan test. The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met.<br>Resolved: NC rate spread home loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation NC GS §XX-X.XF(a)(X). | Resolved: NC rate spread home loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation NC GS §XX-X.XF(a)(X). | Resolved: NC rate spread home loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation NC GS §XX-X.XF(a)(X). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010066 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | W5EYRGU3HDU-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL: charged X.XXX% allowed X.XXX% over by +X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010080 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | ZCWQZCPA4RB-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score missing in the loan file. Require additional valuation to support original stated value.<br>Received AVM | Received AVM | Received AVM |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010068 |  | XXX | XXX | XXX | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | IA3TBMEGNOH-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Higher-Priced Mortgage Loan Test: FAIL Charged: X.XXX% Allowed: X.XXX% Over by: +X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010071 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Doc Issue | KR4VBELO1U2-2VXD5FWR | Resolved | 3 | R | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl R) | Initial Escrow Account Disclosure is missing in the file. Kindly provide Initial Escrow Account Disclosure.<br>Received XXX XXX (Signed) Initial Escrow Account Disclosure Statementc | Received XXX XXX (Signed) Initial Escrow Account Disclosure Statementc | Received XXX XXX (Signed) Initial Escrow Account Disclosure Statementc |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010071 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | KR4VBELO1U2-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL :charged:X.XXX% allowed:X.XXX% over by:+X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010088 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | IF0B0I5K3JR-KJ37FOY2 | Waived | 2 | W | \* Consumer lates exceed guidelines (Lvl W) | In credit report there is showing late payment but we received exceptional approval form regarding derogatory XXX and XXX consumer late High Credit Score - XXX<br>Credit-Prior mortgage/Rental history - Seasoned landlord, owns another investment property QC Complete XXX XXX XXX XXX |  |  |  |  |  |  |  |  |  |
| XXX | 2023010081 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | Z0ZMAA1EHO0-WE2FAX95 | Resolved | 3 | R | \* Revised Loan Estimate is missing (Lvl R) | Missing revised LE dated XX/XX/XXX<br>Received revised LE | Received revised LE | Received revised LE |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010090 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | J5YIB2HK0KV-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | LTV: Cash out exceeds maximum allowed by - XX% LTV<br>Exception approval with compensating factor<br>High Credit Score - XXX<br> Excellent Credit History - No derogatory since inception<br> Credit-Prior mortgage/Rental history - Seasoned landlord, owns multiple investment properties |  |  | High Credit Score - XXX<br>Excellent Credit History - No derogatory since inception<br>Credit-Prior mortgage/Rental history - Seasoned landlord, owns multiple investment properties |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010083 |  | XXX | XXX | XXX | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | MITXHO255AF-0O1J05XI | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | TRID Violation due to a fee increase on Initial CD dated XX/XX/XXX. Revised LE dated XX/XX/XXX reflects a Appraisal Re Inspection Fee at $XXX.XX., however, Initial CD dated XX/XX/XXX reflects the Appraisal Re Inspection Fee at $XXX.XX This is a fee increase of $XXX.XX for a Non-Shoppable Fee which exceeds the X% tolerance for Non-Shoppable Fees.<br>Received PC CD and lender cure | Received PC CD and lender cure | Received PC CD and lender cure |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010100 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | YANHIEJZEK4-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Guide restricts maximum loan amount to $X,XXX,XXX.XX. Subject loan amount is $X,XXX,XXX.XX. Exceptional approval available in loan file with compensating factor<br>Excellent Credit History<br> Credit-Prior mortgage/Rental history |  |  | Excellent Credit History<br> Credit-Prior mortgage/Rental history |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010076 |  | XXX | XXX | XXX | Refinance | Not Covered/Exempt | 3 | 2 | Valuation | Valuation | K4NQ1EGRZHB-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score is more than X.X. Require additional valuation to support original stated value.<br>Resolved XX/XX/XXX: A copy of the AVM has been received. | Resolved XX/XX/XXX: A copy of the AVM has been received. | Resolved XX/XX/XXX: A copy of the AVM has been received. |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010076 |  | XXX | XXX | XXX | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Assets Insufficient | K4NQ1EGRZHB-YHOZ28S0 | Resolved | 2 | R | \* Cash reserves less than required by guidelines (Lvl R) | Loan file does not have sufficient asset balance to cover reserve requirement. Guide requires X months of reserve on subject property.<br>Received Bank ofXXX #XXX with balance of $XX,XXX.XX | Received Bank ofXXX #XXX with balance of $XX,XXX.XX | Received Bank ofXXX #XXX with balance of $XX,XXX.XX |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010076 |  | XXX | XXX | XXX | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | K4NQ1EGRZHB-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts minimum gross living area at XXX sq ft. Subject gross living area is at XXX sq ft.<br>Exception approval with compensating factor<br>Excellent Credit History <br> Credit-Prior mortgage/Rental history - Established landlord |  |  | Excellent Credit History <br>Credit-Prior mortgage/Rental history - Established landlord |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010082 |  | XXX | XXX | XXX | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | 0SPQJI1IUQZ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. <br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged X.XXX% Allowed X.XXX% Over by +X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010102 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | ZSVRIOUOK5T-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts a maximum LTV of XX% for loan amount lesser than $XXXK. <br>Exception approval in loan file is for loan amount lesser than minimum allowed per the guide and is not applicable for current loan amount/loan file.<br>Exception approval with compensating factor<br>High Credit Score - XXX<br> High Asset Reserves - XX months |  |  | High Credit Score - XXX<br>High Asset Reserves - XX months |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010636 |  | XXX | XXX | XXX | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | YNWVXRAODPV-0O1J05XI | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | TRID Violation due to total fee of $XXX.XX fee increased on initial CD dated X/XX/XXX. Initial LE date X/XX/XXX reflects Underwriting fee $XXX.XX and revised LE dated XX/XX/XXX reflect an increase of $XXX.XX on Underwriting fee to $X,XXX.XX. Need Valid COC, Cure amount of $XXX.XX.<br>Received lender cure for $XXX and PC CD | Received lender cure for $XXX and PC CD | Received lender cure for $XXX and PC CD |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010636 |  | XXX | XXX | XXX | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | YNWVXRAODPV-NFSUVLR0 | Resolved | 3 | R | \* Missing Required State Disclosures (Lvl R) | List Of Service Providers missing in this loan file.<br>Received SSPL | Received SSPL | Received SSPL |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010637 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | 4KP5ZPOEAVU-OLWB1YD6 | Waived | 2 | W | \* Number of Collections exceed guidelines (Lvl W) | Loan file does not meet guide requirement for collections account. Guide restricts X\*XX for collections account. Credit report dated XX/XX/XXX reflects a collection account CBE Group #XXX with DLA of XX/XX/XXX and assigned on XX/XXX.<br>Exception approval with compensating factor<br>Low DTI Ratio - XX.XXX%<br> High Residual Income - $XX,XXX |  |  | Low DTI Ratio - XX.XXX%<br>High Residual Income - $XX,XXX |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010637 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | 4KP5ZPOEAVU-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: Charged X.XXX% Allowed X.XXX% Over by +X.XXX%<br>"HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d)." |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010637 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 2 | Compliance | Compliance | 4KP5ZPOEAVU-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB XXX higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB XXX Higher-Priced Mortgage Loan Test Fail : Charged X.XXX% Allowed X.XXX% Over by +X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB XXX, XXX Financial Code Division X.X XXX(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB XXX, XXX Financial Code Division X.X XXX(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB XXX, XXX Financial Code Division X.X XXX(a). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010637 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Assets Insufficient | 4KP5ZPOEAVU-RDQHOAL4 | Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | Assets mentioned in Final XXX is $XXX.XX. Assets shortfall in reference to closing and reserve requirement. Bank account #XXX Chase Checking (#XXX), insufficient to cover requirement.<br>Received asset statement suffice asset requirement | Received asset statement suffice asset requirement | Received asset statement suffice asset requirement |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010631 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | 04HZDPLB1XG-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts credit history at X\*XX\*XX. Credit report reflects following account breaching guide requirement<br>XXX - XX/XX - XX<br>Received exception approval with compensating factor<br>High Credit Score - XXX<br> LTV% less than XX% - XX% |  |  | High Credit Score - XXX<br>LTV% less than XX% - XX% |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010633 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | GGKPYIDAPNA-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged X.XXX% Allowed X.XXX% Over By+X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010436 |  | XXX | XXX | XXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | SBJ5XP4C2RL-U1CA63D2 | Resolved | 3 | R | \* Application Missing (Lvl R) | A copy of Final XXX of borrower XXX is missing in the loan file.<br>Received XXX final XXX | Received XXX final XXX | Received XXX final XXX |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010436 |  | XXX | XXX | XXX | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | SBJ5XP4C2RL-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (XX CFR § XXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: X.XXX% Allowed: X.XXX% Over by: +X.XXX% | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010547 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | AUPL5DHVOEG-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts a minimum FICO of XXX on cash-out transaction.<br>Exception approval with compensating factor<br>High Asset Reserves - XX months<br> Excellent Credit History - X\*XX\*XX<br> Length of Time at Employment - XX years stability |  |  | High Asset Reserves - XX months<br>Excellent Credit History - X\*XX\*XX<br>Length of Time at Employment - XX years stability |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010441 |  | XXX | XXX | XXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Guidelines | 1B0QE5NEBLA-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Complete bank statement is missing in the loan file. Provide Bank of XXX #XXX bank statement for the month of Xst XXXr XXX to XXth XXX XXX.<br>Received Bank Statement #XXX from XX/XX/XXX till XX/XX/XXX | Received Bank Statement #XXX from XX/XX/XXX till XX/XX/XXX | Received Bank Statement #XXX from XX/XX/XXX till XX/XX/XXX |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010444 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Guidelines | DZZAPXRIHQT-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Missing complete bank statement in the loan file. Provide complete business bank statement for XXX # XXX month ofXXX XXX.<br>Received XXX bank statement for the month ofXXX XXX | Received XXX bank statement for the month ofXXX XXX | Received XXX bank statement for the month ofXXX XXX |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010450 |  | XXX | XXX | XXX | Refinance | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | OEHDY0FXBNE-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (XX CFR § XXX.XX(a)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: X.XXX% Allowed: X.XXX% Over By: +X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010484 |  | XXX | XXX | XXX | Refinance | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | JNIYB1WPBSK-0O1J05XI | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | TRID Violation due to a fee increase on Revised CD dated XX/XX/XXX. Initial LE dated XX/XX/XXX reflects a Transfer Tax at $XXX.XX however, Revised CD dated XX/XX/XXX reflects the Transfer Tax at $XXX.XX. This is a fee increase of $X.XX for a Non-Shoppable Fee which exceeds the X% tolerance for Non-Shoppable Fees. Require lender cure and/OR COC.<br>Received COC for tolerance breach | Received COC for tolerance breach | Received COC for tolerance breach |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010540 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | G2CUBSF1Q0D-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score is more than X.X. Require additional valuation to support original stated value.<br>Resolve : AVM document received on X/X | Resolve : AVM document received on X/X | Resolve : AVM document received on X/X |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010479 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | BF5S4A5QPXD-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Initial CD dated X/XX/XXX is missing in the loan file. Require initial Closing Disclosure dated XX/XX/XXX.<br>Received ICD | Received ICD | Received ICD |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010498 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | FL5FSAMGCTK-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score missing in the loan file. Require additional valuation to support original stated value.<br>The appraisal in the file (XXXk) is supporting the lower desk review (XXXk) that was used as the value for LTV at the time of UW | The appraisal in the file (XXXk) is supporting the lower desk review (XXXk) that was used as the value for LTV at the time of UW | The appraisal in the file (XXXk) is supporting the lower desk review (XXXk) that was used as the value for LTV at the time of UW |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010485 |  | XXX | XXX | XXX | Refinance | Non-QM/Compliant | 3 | 2 | Valuation | Valuation | SOGKR0PPXAD-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score is more than X.X. Require additional valuation to support original stated value.<br>Received AVM with confidence of XX% and FSD of X.XXX | Received AVM with confidence of XX% and FSD of X.XXX | Received AVM with confidence of XX% and FSD of X.XXX |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010485 |  | XXX | XXX | XXX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | SOGKR0PPXAD-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Previous business history. Current employment history is less than a year and using employment income to qualify<br>Exception approval in loan file with compensating factor<br>High Credit Score<br> Low DTI Ratio<br> High Asset Reserves<br> Excellent Credit History |  |  | High Credit Score<br>Low DTI Ratio<br>High Asset Reserves<br>Excellent Credit History |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010500 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 2 | Valuation | Valuation | TQATP0BVSFC-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score missing in the loan file. Require additional valuation to support original stated value.<br>Received CDA with variance of X.XX% | Received CDA with variance of X.XX% | Received CDA with variance of X.XX% |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010500 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | TQATP0BVSFC-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts maximum LTV of XX% when qualifying FICO is less than XXX and transaction is cash-out.<br>Received exception approval with compensating factor<br>High Asset Reserves - XX months<br> Excellent Credit History - X\*XX\*XX |  |  | High Asset Reserves - XX months<br>Excellent Credit History - X\*XX\*XX |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010468 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | AWUQ0GEFZGA-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score is more than X.X. Require additional valuation to support original stated value.<br>Received CDA with variance of X.X% | Received CDA with variance of X.X% | Received CDA with variance of X.X% |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010488 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | UEOSLNF4T2X-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan files does not meet program requirement. Guide restricts property with X acre. Subject property measures X.X ac.<br>Exception approval with compensating factors<br>High Asset Reserves - XX months<br> Excellent Credit History - X\*XX\*XX |  |  | High Asset Reserves - XX months<br>Excellent Credit History - X\*XX\*XX |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010489 |  | XXX | XXX | XXX | Refinance | Not Covered/Exempt | 4 | 2 | Credit | Credit | PGDGQBZCETW-H6XQ79BK | Waived | 4 | W | \* DSCR is less than 1.00 (Lvl W) | DSCR is (XXX/XXX.XX) = X.XXX %. So as per guideline "TPR INV ICF Matrix XXX X XXX.pdf" If DSCR < X.XX-X.XX Minimum FICO XXX Maximum LTV XX%<br>Exception approval received with compensating factor<br>Verified Reserves are XX<br> Excellent Credit History - X\*XX\*XX |  |  | Verified Reserves are XX<br>Excellent Credit History - X\*XX\*XX |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010459 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Legal Docs | Doc Issue | NVICDUUANT5-3FPSHHKF | Resolved | 3 | R | \* Missing required 1-4 family rider (Lvl R) | X-X Family Rider Box Checked On Mortgage Document But X-X Family Rider Missing In Package<br>Received X-X family rider to DOT | Received X-X family rider to DOT | Received X-X family rider to DOT |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010459 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Legal Docs | Doc Issue | NVICDUUANT5-DW5VNZ46 | Resolved | 3 | R | \* Condo / PUD rider Missing (Lvl R) | Property Is PUD But Pud Rider Missing In Package.<br>Received PUD rider to DOT | Received PUD rider to DOT | Received PUD rider to DOT |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010503 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | BGY5CD0FCSP-U1CA63D2 | Resolved | 3 | R | \* Application Missing (Lvl R) | Final XXX Missing from the Loan File. Require signed and dated final XXX/application, including all pages.<br>Received final signed XXX | Received final signed XXX | Received final signed XXX |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010491 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | RXECBSWZPMH-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score missing in the loan file. Require additional valuation to support original stated value.<br>Received AVM with confidence of XX% and FSD of X.XXX | Received AVM with confidence of XX% and FSD of X.XXX | Received AVM with confidence of XX% and FSD of X.XXX |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010486 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | NAJJKGRHGMP-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score is more than X.X. Require additional valuation to support original stated value.<br>Received AVM with confidence of XX% and FSD of X.XXX | Received AVM with confidence of XX% and FSD of X.XXX | Received AVM with confidence of XX% and FSD of X.XXX |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010460 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | UVYZWMUUOPU-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | As per loan file Credit risk summary & Exception Approve Exception logging DSCR High Asset Reserves - XX months<br>Credit-Prior mortgage/Rental history - X\*XX\*XX QC Complete XXX XXX XXX XXX |  |  |  |  |  |  |  |  |  |
| XXX | 2023010470 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | QUYRUHSJ4QU-U1CA63D2 | Resolved | 3 | R | \* Application Missing (Lvl R) | Final XXX is missing in the loan file.<br>Received signed and dated copy of final XXX | Received signed and dated copy of final XXX | Received signed and dated copy of final XXX |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010470 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | QUYRUHSJ4QU-HI5N7YPL | Resolved | 3 | R | \* Mortgage missing / unexecuted (Lvl R) | Mortgage/ Deed of trust is missing in the loan file.<br>Received signed and dated copy of Mortgage/DOT | Received signed and dated copy of Mortgage/DOT | Received signed and dated copy of Mortgage/DOT |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010487 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | XAS3PDFS43W-KMWEVJ70 | Resolved | 3 | R | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | Final Closing Disclosure missing in the loan package.Please Provide the Final Closing Disclosure.<br>Received Final CD | Received Final CD | Received Final CD |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010487 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 1 | Legal Docs | Doc Issue | XAS3PDFS43W-2XRZ4V9U | Resolved | 3 | R | \* Note is missing or unexecuted (Lvl R) | Note Document Is Missing<br>Received Note | Received Note | Received Note |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010487 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 1 | Legal Docs | Doc Issue | XAS3PDFS43W-HI5N7YPL | Resolved | 3 | R | \* Mortgage missing / unexecuted (Lvl R) | Mortgage is Missing<br>Received DOT with rider | Received DOT with rider | Received DOT with rider |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010487 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | XAS3PDFS43W-U1CA63D2 | Resolved | 3 | R | \* Application Missing (Lvl R) | Final Application Missing In This package<br>Received Final XXX | Received Final XXX | Received Final XXX |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010487 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | XAS3PDFS43W-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL Charged X.XXX% Allowed X.XXX% Overby +X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010507 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | UT2VGOECJ4N-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide minimum requirement. Guide requires a minimum of X month of reserve on subject property.<br>Exception approval with compensating factor<br>High Credit Score - XXX<br> Excellent Credit History - X\*XX\*XX<br> Credit-Prior mortgage/Rental history - Borrower has history of managing investment properties |  |  | High Credit Score - XXX<br>Excellent Credit History - X\*XX\*XX<br>Credit-Prior mortgage/Rental history - Borrower has history of managing investment properties |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010541 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | UXZOC4WNFWC-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR XXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: Charged X.XXX% Allowed X.XXX% Over By +X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010456 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | YKDCIYIKQNA-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU and LCA score is missing. Require additional valuation to support original stated value.<br>Resolved XX/XX/XXX: A copy of CDA and AVM have been received. | Resolved XX/XX/XXX: A copy of CDA and AVM have been received. | Resolved XX/XX/XXX: A copy of CDA and AVM have been received. |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010509 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | GCN2SCXAKCJ-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Flood certificate is missing in the loan file. Require flood certificate.<br>Received flood certificate | Received flood certificate | Received flood certificate |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010509 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Guidelines | GCN2SCXAKCJ-J587LE2V | Resolved | 2 | R | \* Loan does not conform to program guidelines (Lvl R) | Loan files does not meet guide requirement. Guide restricts a maximum LTV of XX% on cash out transaction when FICO is lesser than XXX.<br>Received broker credit report | Received broker credit report | Received broker credit report |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010482 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | DRQJUQIGAZI-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Original appraised valuation is at $XXX,XXX.XX. Additional valuation AVM is available in the loan file with confidence score of X.XXX. CU/LCA score is missing in the loan file. Require additional valuation to support original stated value.<br>Received AVM with confidence of XX% and FSD of X.XXX | Received AVM with confidence of XX% and FSD of X.XXX | Received AVM with confidence of XX% and FSD of X.XXX |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010512 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 0AJVWDFNB4D-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Missing Permanent Resident Alien card of borrower. As per final XXX borrower citizenship is permanent resident alien and in loan package missing permanent resident alien card of borrower.<br>Received corrected Xst page of XXX reflecting US citizenship | Received corrected Xst page of XXX reflecting US citizenship | Received corrected Xst page of XXX reflecting US citizenship |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010522 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | IK04SJFGTMC-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts minimum gross living area at XXX sq ft. Subject gross living area is at XXX sq ft.<br>Exception approval with compensating factor<br>Excellent Credit History - X\*XX\*XX<br> High Asset Reserves - XXX months |  |  | Excellent Credit History - X\*XX\*XX<br>High Asset Reserves - XXX months |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010544 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | ZG5YQAR4P4D-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score missing in the loan file. Require additional valuation to support original stated value.<br>AVM document received on X/X | AVM document received on X/X | AVM document received on X/X |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010462 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | TV400FDO5FC-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts credit history at X\*XX\*XX. Credit report dated XX/XX/XXX reflects "TOYOTA MOTOR CREDIT #GXXX - XX/XX-XX"<br>Exception approval in loan file is not specific to any exception.<br>Received exception approval with compensating factor<br>High Asset Reserves - XX months<br> Credit-Prior mortgage/Rental history - X\*XX\*XX |  |  | High Asset Reserves - XX months<br>Credit-Prior mortgage/Rental history - X\*XX\*XX |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010463 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | JWDR3PQNXLX-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts <br>X. maximum LTV at XX% when FICO is less than XXX<br> X. Credit history at X\*XX\*XX - Credit report dated XX/XX/XXX reflects XXX BANK #XXX - XX/XX-XX;XXX #XXX - XX/XX-XX<br>Exception approval with compensating factor<br>High Asset Reserves - XXX months<br> Credit-Prior mortgage/Rental history - Strong mortgage history, borrower owns XX properties free and clear |  |  | High Asset Reserves - XXX months<br>Credit-Prior mortgage/Rental history - Strong mortgage history, borrower owns XX properties free and clear |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010548 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | DAX3WF3VQI1-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score missing in the loan file. Require additional valuation to support original stated value.<br>Resolved XX/XX/XXX: A copy of the CDA and AVM have been received. | Resolved XX/XX/XXX: A copy of the CDA and AVM have been received. | Resolved XX/XX/XXX: A copy of the CDA and AVM have been received. |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010545 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 0BXSRYW5BY3-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score missing in the loan file. Require additional valuation to support original stated value.<br>Received AVM | Received AVM | Received AVM |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010524 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 2MARAXRERUK-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score is more than X.X. Require additional valuation to support original stated value.<br>Received AVM with confidence of XX% and FSD of X.XXX | Received AVM with confidence of XX% and FSD of X.XXX | Received AVM with confidence of XX% and FSD of X.XXX |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010525 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | EJF21FQEDAB-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts minimum gross living area at XXX sq ft. Subject gross living area is at XXX sq ft.<br>Exception approval with compensating factor<br>High Asset Reserves - XX months<br> Excellent Credit History - X\*XX\*XX<br> High Credit Score - XXX<br> Credit-Prior mortgage/Rental history - Borrower has history of managing investments |  |  | High Asset Reserves - XX months<br>Excellent Credit History - X\*XX\*XX<br>High Credit Score - XXX<br>Credit-Prior mortgage/Rental history - Borrower has history of managing investments |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010465 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | QZCRUGCTXKI-30KZI3LH | Waived | 4 | W | \* Credit score does not meet guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts a minimum FICO of XXX when DSCR is lesser than X.XX%.<br>Exception approval with compensating factor<br>High Asset Reserves - XX months<br> Credit-Prior mortgage/Rental history X\*XX\*XX<br> LTV% less than XX% - Qualifying LTV is at XX.XXX% |  |  | High Asset Reserves - XX months<br>Credit-Prior mortgage/Rental history X\*XX\*XX<br>LTV% less than XX% - Qualifying LTV is at XX.XXX% |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010465 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | QZCRUGCTXKI-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts credit history at X\*XX\*XX. Credit report dated XX/XX/XXX reflects <br>DISCOVESC #XXX - XX/XX-XX<br>Exception approval with compensating factor<br>High Asset Reserves - XX months<br> Credit-Prior mortgage/Rental history X\*XX\*XX<br> LTV% less than XX% - XX.XXX% |  |  | High Asset Reserves - XX months<br>Credit-Prior mortgage/Rental history X\*XX\*XX<br>LTV% less than XX% - XX.XXX% |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010472 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | 4TP3HRAQOQL-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts credit history at minimum of X\*XX\*XX - XXX - #XXX - X\*XX\*XX - XX/XX-XX; XX/XX-XX<br>Exception approval with compensating factor<br>Excellent Credit History - X\*XX\*XX<br> Credit-Prior mortgage/Rental history - X\*XX\*XX |  |  | Excellent Credit History - X\*XX\*XX<br>Credit-Prior mortgage/Rental history - X\*XX\*XX |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010476 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | ALOGF5X52KE-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score is more than X.X. Require additional valuation to support original stated value.<br>Resolved XX/XX/XXX: A copy of the AVM has been received. | Resolved XX/XX/XXX: A copy of the AVM has been received. | Resolved XX/XX/XXX: A copy of the AVM has been received. |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010553 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | MUXHMDF0WVW-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts following<br> X. Delinquent credit history at X\*XX\*XX. Credit report reflects SYNCB/PPC #XXX - XX/XX-XX<br> X. Cash-Out > $XXXk Min XXX FICO. Loan file is submitted with qualifying FICO of XXX<br>Exception approval with compensating factor<br>Low DTI Ratio - X.XXX% (Housing) // XX.XX% (Total)<br> High Asset Reserves - XX months<br> Length of Time at Employment - Borrower with same employer/business for XX years |  |  | Low DTI Ratio - X.XXX% (Housing) // XX.XX% (Total)<br>High Asset Reserves - XX months<br>Length of Time at Employment - Borrower with same employer/business for XX years |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010529 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | W4P1ON0GLEV-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts minimum gross living area at XXX sq ft. Subject gross living area is at XXX sq ft.<br>Exception approval with compensating factor<br>High Credit Score - XXX<br> High Asset Reserves - XX.XX months<br> Excellent Credit History - X\*XX\*XX |  |  | High Credit Score - XXX<br>High Asset Reserves - XX.XX months<br>Excellent Credit History - X\*XX\*XX |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010530 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | PFBJWO5C2UG-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. <br> X. Guide requires at least one (X) trade line must be a primary residential mortgage reporting for a minimum of twelve (XX) months<br> X. DSCR requirement of X.XX-X%<br>Exception approval with compensating factor<br>High Asset Reserves - XX months<br> Excellent Credit History - X\*XX\*XX |  |  | High Asset Reserves - XX months<br>Excellent Credit History - X\*XX\*XX |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010531 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | K0REGHVQKCR-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | CU/LCA score is more than X.X. Require additional valuation to support original stated value.<br>Received CDA with variance of (X.XXX%) | Received CDA with variance of (X.XXX%) | Received CDA with variance of (X.XXX%) |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010551 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | 05MXYUCOEME-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | DSCR Excellent Credit History - X\*XX\*XX<br>High Credit Score - XXX QC Complete XXX XXX XXX XXX |  |  |  |  |  |  |  |  |  |
| XXX | 2023010803 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 4 | 1 | Credit | Income | DLAJGZCEY4B-L3KXO96W | Resolved | 3 | R | \* Reverification within 10 days is missing (Lvl R) | Verbal verification of employment must be obtained within XX days of the note date<br>XX/XX/XXX - VVOE provided by seller which resolves the condition | XX/XX/XXX - VVOE provided by seller which resolves the condition | XX/XX/XXX - VVOE provided by seller which resolves the condition |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010803 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 4 | 1 | Credit | Guidelines | DLAJGZCEY4B-3L2978EM | Resolved | 3 | R | \* Assets do not meet guidelines (Lvl R) | Provide document current receipt with a copy of a bank statement or other equivalent documentation to meet reserve.<br>XX/XX/XXX - Provided the Bank Statement for assets which resolves the condition | XX/XX/XXX - Provided the Bank Statement for assets which resolves the condition | XX/XX/XXX - Provided the Bank Statement for assets which resolves the condition |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010803 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 4 | 1 | Legal Docs | Doc Issue | DLAJGZCEY4B-H3X4TJ0T | Resolved | 3 | R | \* Missing Title evidence (Lvl R) | Missing title evidence.<br>XX/XX/XXX - Title Report Document is provided by seller which resolves the condition | XX/XX/XXX - Title Report Document is provided by seller which resolves the condition | XX/XX/XXX - Title Report Document is provided by seller which resolves the condition |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010803 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 4 | 1 | Valuation | Doc Issue | DLAJGZCEY4B-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Appraisal report is missing from the loan file.<br>XX/XX/XXX - Appraisal Document is provided by seller which resolves the condition | XX/XX/XXX - Appraisal Document is provided by seller which resolves the condition | XX/XX/XXX - Appraisal Document is provided by seller which resolves the condition |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010803 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 4 | 1 | Credit | Guidelines | DLAJGZCEY4B-28GAQH2C | Resolved | 4 | R | \* Income documentation does not meet guidelines (Lvl R) | Provide supporting document to verify income as $XXX.XX<br>XX/XX/XXX - WVOE is provided to support the Income which resolves the condition | XX/XX/XXX - WVOE is provided to support the Income which resolves the condition | XX/XX/XXX - WVOE is provided to support the Income which resolves the condition |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010803 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 4 | 1 | Credit | Doc Issue | DLAJGZCEY4B-ITW88JKH | Resolved | 3 | R | \* Notice of Servicing Transfer missing or unexecuted (Lvl R) | Notice of Servicing transfer document is missing.<br>XX/XX/XXX - Goodbye letter is usually a post purchase condition that is provided which resolves the condition | XX/XX/XXX - Goodbye letter is usually a post purchase condition that is provided which resolves the condition | XX/XX/XXX - Goodbye letter is usually a post purchase condition that is provided which resolves the condition |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010803 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 4 | 1 | Valuation | Doc Issue | DLAJGZCEY4B-WP2ZZ45K | Resolved | 3 | R | \* Missing flood cert (Lvl R) | Flood Certificate missed<br>XX/XX/XXX - Flood Certificate Document is provided by seller which resolves the condition | XX/XX/XXX - Flood Certificate Document is provided by seller which resolves the condition | XX/XX/XXX - Flood Certificate Document is provided by seller which resolves the condition |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010805 |  | XXX | XXX | XXX | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | KWQLU350ZWY-JPQK8SU9 | Resolved | 3 | R | \* Missing Appraisal (Lvl R) | Missing Appraisal. <br>Resolved XX/XX/XXX: The loan is eligible for appraisal waiver | Resolved XX/XX/XXX: The loan is eligible for appraisal waiver. | Resolved XX/XX/XXX: The loan is eligible for appraisal waiver. |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010805 |  | XXX | XXX | XXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | KWQLU350ZWY-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Recent Mortgage Statement is missing in thid file #XXXA/C#XXX, #Provident Funding Asso A/C#XXX<br>Mortgage Statement #XXXA/C#XXX is received. Provident Funding Asso A/C #XXX is still missing in the loan file.<br>Resolved - Received mortgage statement for all account | Resolved - Received mortgage statement for all account | Resolved - Received mortgage statement for all account |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010811 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | GAQE5YLLQIT-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | XXXD Appraisal Update report is missing<br>Received XXXD reflecting Smoke alarm / CO detector combination devices have been installed in each unit. | Received XXXD reflecting Smoke alarm / CO detector combination devices have been installed in each unit. | Received XXXD reflecting Smoke alarm / CO detector combination devices have been installed in each unit. |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010831 |  | XXX | XXX | XXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | RUPTDZBVEQD-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing Secondary Valuation required for Securitization. both CU risk scores are missing<br>XX/XX/XXX - Received CDA as secondary valuation & condition resolved. | XX/XX/XXX - Received CDA as secondary valuation & condition resolved. | XX/XX/XXX - Received CDA as secondary valuation & condition resolved. |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010836 |  | XXX | XXX | XXX | Refinance | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | YZEBQ2P0XAU-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test.<br>Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> Regulation Z.<br> While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional<br> requirements in XX CFR §XXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced<br> mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: FAIL X.XXX% X.XXX% +X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010819 |  | XXX | XXX | XXX | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | JOWPX2DUNOL-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test FAIL: Charged X.XXX% Allowed X.XXX% Over by +X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010819 |  | XXX | XXX | XXX | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | JOWPX2DUNOL-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB XXX higher-priced mortgage loan test Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB XXX Higher-Priced Mortgage Loan Test FAIL: Charged X.XXX% Allowed X.XXX% Over by+X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB XXX, XXX Financial Code Division X.X XXX(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB XXX, XXX Financial Code Division X.X XXX(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB XXX, XXX Financial Code Division X.X XXX(a). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010820 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Application | PFY5IPGSJZ4-Z5OC4DZ8 | Resolved | 2 | R | \* Final 1003 does not has LO sign (Lvl R) | Final XXX does not have X years residential history, Former address needs to be updated in final XXX application.<br>X/X/XXX - Received final XXX with X years residential history and condition is resolved | X/X/XXX - Received final XXX with X years residential history and condition is resolved | X/X/XXX - Received final XXX with X years residential history and condition is resolved |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010820 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | PFY5IPGSJZ4-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide missing information for REO Property located at: XXX XXX - Hazard Insurance ,Tax Bill or HOA if applicable. If taxes & insurance are escrowed, provide mortgage statement for the same.<br>XX/XX/XXX - Received supporting document for above REO property and re-calculated the DTI which is within the threshold limit. Hence, condition resolved. | XX/XX/XXX - Received supporting document for above REO property and re-calculated the DTI which is within the threshold limit. Hence, condition resolved. | XX/XX/XXX - Received supporting document for above REO property and re-calculated the DTI which is within the threshold limit. Hence, condition resolved. |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010822 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | V0KYKC4I5B4-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception approval is present in the package.<br>Guideline Exception (s) : EC exposure exceeding $Xmil aggregate and maximum X loans for individual borrower. |  |  | FICO is XXX<br>LTV is XX% |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010822 |  | XXX | XXX | XXX | Cash Out | Not Covered/Exempt | 3 | 2 | Legal Docs | Doc Issue | V0KYKC4I5B4-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Amount of title insurance missing on title report. Loan amount is $XXX,XXX.<br>Resolved XX/XX/XXX: A copy of final title policy with correct amount of title insurance is provided. | Resolved XX/XX/XXX: A copy of final title policy with correct amount of title insurance is provided. | Resolved XX/XX/XXX: A copy of final title policy with correct amount of title insurance is provided. |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010823 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | GLOYK33QB4F-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB XXX higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>CA AB XXX Higher-Priced Mortgage Loan Test Fail : Charged: X.XXX% Allowed: X.XXX% Over by: +X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB XXX, XXX Financial Code Division X.X XXX(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB XXX, XXX Financial Code Division X.X XXX(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB XXX, XXX Financial Code Division X.X XXX(a). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010823 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | GLOYK33QB4F-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test Fail : Charged: X.XXX% Allowed: X.XXX% Over by: +X.XXX%<br>Resolved XX/XX/XXX: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved XX/XX/XXX: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved XX/XX/XXX: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010824 |  | XXX | XXX | XXX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | QYIADIOC02B-FSGBNA1Z | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Fee Itemization is missing in the loan package. Kindly provide Fee Itemization<br>Borrowers Statement available in the loan package on page number XXX and updated. | Borrowers Statement available in the loan package on page number XXX and updated. | Borrowers Statement available in the loan package on page number XXX and updated. |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010827 |  | XXX | XXX | XXX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit |  | E5XUZ5OPMDU-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | We do have a HOX policy present in file. However, kindly provided updated Master Policy for the subject loan as the provided Master policy is incorrect.<br>XX/XX/XXX - Received clarification on hazard insurance stating that policy cover XXX% of replacement cost and the document was available on the loan package. Hence, condition resolved. | XX/XX/XXX - Received clarification on hazard insurance stating that policy cover XXX% of replacement cost and the document was available on the loan package. Hence, condition resolved. | XX/XX/XXX - Received clarification on hazard insurance stating that policy cover XXX% of replacement cost and the document was available on the loan package. Hence, condition resolved. |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010827 |  | XXX | XXX | XXX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Other Disclosures | E5XUZ5OPMDU-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide a copy of condo questionnaire for the project 'Summit' as it is missing in the fie.<br>Resolved XX/XX/XXX: Explanation received from client which states that "this doesn't need a condo questionnaire, it's a detached condo, no HOA". | Resolved XX/XX/XXX: Explanation received from client which states that "this doesn't need a condo questionnaire, it's a detached condo, no HOA". | Resolved XX/XX/XXX: Explanation received from client which states that "this doesn't need a condo questionnaire, it's a detached condo, no HOA". |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010827 |  | XXX | XXX | XXX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | E5XUZ5OPMDU-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Expense factor for the income calculation is being lesser than XX% , i.e., XX.XX%<br>XX/XX/XXX - Guidelines exception document is available on page #X. Hence, condition waived. |  |  | Excellent Credit History. Cash out transaction on a primary residence. |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010815 |  | XXX | XXX | XXX | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | IUJEU521VRH-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXX Financial Code Division X.XXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met<br>CA AB XXX Higher-Priced Mortgage Loan Test: Charged X.XXX% Allowed: X.XXX% Over By: +X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB XXX, XXX Financial Code Division X.X XXX(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB XXX, XXX Financial Code Division X.X XXX(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB XXX, XXX Financial Code Division X.X XXX(a). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010815 |  | XXX | XXX | XXX | Cash Out | Non-QM/Compliant | 2 | 1 | Compliance | Compliance | IUJEU521VRH-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. (XX CFR § XXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br>Higher-Priced Mortgage Loan Test: Charged X.XXX% Allowed: X.XXX% Over By: +X.XXX%<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation XXX.XX(b), (c) and (d). |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2023010816 |  | XXX | XXX | XXX | Cash Out | Non-QM/Compliant | 2 | 1 | Credit | Credit | YGHWYKO0B0L-9U3HDYIW | Resolved | 2 | R | \* Missing Initial 1003_Application (Lvl R) | Initial XXX missing in the file<br>XX/XX/XXX: Received Initial XXX, condition resolved | XX/XX/XXX: Received Initial XXX, condition resolved | XX/XX/XXX: Received Initial XXX, condition resolved |  |  | QC Complete | XXX | XXX | XXX | XXX |

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## Exhibit 99.20

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.20**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| XXX | 2023010843 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010844 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010840 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010841 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010842 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010839 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010838 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010837 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010077 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010078 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010097 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX |
| XXX | 2023010075 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010098 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX |
| XXX | 2023010084 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010087 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010079 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010094 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010066 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010080 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010095 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010068 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010071 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010088 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010099 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010069 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010067 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX |
| XXX | 2023010072 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010081 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010073 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | XXX | XXX |
| XXX | 2023010074 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010085 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010089 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010090 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010091 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010092 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010093 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | XXX | XXX |
| XXX | 2023010070 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010083 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010100 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX |
| XXX | 2023010076 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010082 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010096 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010101 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010086 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010102 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010629 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX |
| XXX | 2023010636 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010638 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010637 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX |
| XXX | 2023010631 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010635 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010632 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010630 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010634 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010633 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010435 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX |
| XXX | 2023010440 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010436 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010547 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010448 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | XXX | XXX |
| XXX | 2023010437 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010441 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010449 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX |
| XXX | 2023010442 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010443 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010444 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010438 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010450 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010445 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010446 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010447 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010439 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010458 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | XXX | XXX |
| XXX | 2023010538 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010451 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | XXX | XXX |
| XXX | 2023010483 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010484 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010477 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010466 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | XXX | XXX |
| XXX | 2023010540 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010478 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010452 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010539 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010453 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010479 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010498 |  | XXX | XXX | XXX | XXX | XXX | XXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX |
| XXX | 2023010485 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010499 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010500 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010501 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010468 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010488 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010489 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010459 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010502 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | XXX | XXX |
| XXX | 2023010503 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010504 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | XXX | XXX |
| XXX | 2023010490 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010491 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010492 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010486 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010469 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010460 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010470 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010471 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010487 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010454 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010480 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010505 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010506 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010481 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010507 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010493 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | XXX | XXX |
| XXX | 2023010541 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010455 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX |
| XXX | 2023010542 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010456 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010508 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | XXX | XXX |
| XXX | 2023010509 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010510 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010494 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010482 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010495 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | XXX | XXX |
| XXX | 2023010457 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010464 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010511 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010496 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010512 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010543 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | XXX | XXX |
| XXX | 2023010513 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010521 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010514 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010522 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010515 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010516 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010461 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010497 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010517 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010523 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010518 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010544 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010462 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010463 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010548 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010545 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010524 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010525 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010519 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010526 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010520 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010465 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010527 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010546 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010528 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010467 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010472 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010549 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010473 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010474 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010475 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010476 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010553 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010529 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010530 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010531 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010532 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010533 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010534 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010550 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010551 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010552 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010535 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010536 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010537 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010800 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010801 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010802 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010803 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010804 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010805 |  | XXX | XXX | XXX | XXX | XXX | XXX | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | XXX | XXX |
| XXX | 2023010806 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010807 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | XXX | XXX |
| XXX | 2023010808 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010809 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010810 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010811 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010812 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010813 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010814 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010626 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010628 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010625 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXX | XXX |
| XXX | 2023010627 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010829 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010830 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010832 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010831 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010833 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010834 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010836 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010835 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010819 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010817 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010826 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010820 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010822 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010821 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010828 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010823 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010824 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010825 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010827 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010818 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010815 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |
| XXX | 2023010816 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXX | XXX |

---

## Exhibit 99.21

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.21**

Executive Summary

**4. Description of the Due Diligence Services**

**1.** **Type of Assets Reviewed** 

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from August 2021 to June 2022 and were collateralized by residential real estate and small balance commercial properties purchased by the applicable mortgagors for the purpose of generating rental income (the "Loans"). The Loans were acquired by Angel Oak Real Estate Investment Trust III (the "Client") from lenders and/or aggregators (the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the Loans was acquired by the Seller from various lenders through a delegated correspondent channel.

**2.** **Sample Size of Assets Reviewed** 

This report reflects 163 Loans selected by the Client to include in AOMT 2023-1 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

**3.** **Sample Size Determination** 

The Client, in its sole discretion, determined the Loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 163 Loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

**4.** **Information and Data Integrity** 

IB was provided certain data elements (the "Tape Data"), which were supplied by the Seller. The Seller aggregated the Tape Data from the various lenders. Each lender did not supply Seller with uniform Tape Data; thus, individual Loan Tape Data may not have included all data elements as detailed below in this Section 4. IB subsequently mapped and compared the Tape Data to information contained in each Loan file. When the data was provided, IB compared the following fields:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**Field Name** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;DTI |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;ARM Initial Adjustment Period | &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;ARM Initial Rate Cap | &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;ARM Lookback Period | &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;ARM Margin | &nbsp;&nbsp;Loan Term |
| &nbsp;&nbsp;ARM Maximum Interest Rate | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;ARM Minimum Interest Rate | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;ARM Payment Change Frequency | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;ARM Periodic Rate Cap | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Down | &nbsp;&nbsp;Original Principal and Interest |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Up | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Down | &nbsp;&nbsp;Property Type |

---

Inglet Blair, LLC Deal Summary<br>AOMT 2023-1<br>pg. 1<br>

---

| | |
|:---|:---|
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Up | &nbsp;&nbsp;Representative Credit Score |
| &nbsp;&nbsp;ARM Rate Change Frequency | &nbsp;&nbsp;Residual Income |
| &nbsp;&nbsp;ATR/QM Designation | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Subject Address |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Subject City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Subject State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Subject Zip Code |

---

The following represents the discrepancies from all 61 loans by field name and as a percentage of the total number of loans.

**5.** **Underwriting, Origination Practices and Conformity to Guidelines and/or Criteria** 

Each Loan was reviewed to the applicable guideline, matrix and/or finding report, produced by an Automated Underwriting System ("AUS"), as provided to IB. Depending on the applicable guideline requirements, IB verified, recalculated, and compared certain metrics and attributes:

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

- Loan to Value ("LTV") / Combined Loan to Value ("CLTV")

- Lien Position

- Gross Income

- Qualifying Principal, Interest, Taxes and Insurance ("PITI") payment

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

To the extent prescribed by the applicable guidelines, every Loan received an evaluation of the applicable borrower's employment, income, assets and credit history as follows:

Employment and Income:

- Meets the guidelines and, as applicable, regulatory documentation requirements

- Creditor income calculations are reasonable and as prescribed by the applicable guidelines

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

- OFAC Alert(s)

Inglet Blair, LLC Deal Summary<br>AOMT 2023-1<br>pg. 2<br>

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

Title Review - For each Loan the title commitment or, if present, final title policy was reviewed to confirm:

- Vestee(s)

- Title interest – Fee Simple or Leasehold

- Tax liens, encumbrances, encroachments and/or other title defects were satisfied or addressed

Fraud Report – IB reviewed each Loan file for the presence of a fraud report with all material findings addressed surrounding borrower name variances, social security number discrepancies, subject-property occupancy or employment history.

Hazard and Flood Insurance – Each Loan was reviewed to ensure that (i) each hazard policy limit met the applicable guideline requirement (ii) the property address was correct (iii) the premium was accurately reflected in the DTI calculation and (iv) escrowed where required.

Similarly, where the flood certificate indicates the property improvements were located in a flood zone, IB confirmed the coverage met the guideline requirements and, where applicable, the premium escrowed.

Closing/Legal Documents – All Loans received a review of the closing documentation. This includes the note, mortgage (and applicable riders), assignments, mortgage insurance certificates, underwriter approvals, and HUD-1 or Closing Disclosure, as applicable, are executed by all applicable parties and generally convey the terms of the Loan.

The information and findings provided herein were based on the information provided in the loan file images presented at the time of review.

**6.** **Collateral Review and Methodology** 

To establish reasonable support for the original appraised value, each qualifying appraisal was accompanied by one of the following: (i) an existing desk review report provided by the originator (or issuer), (ii) a second full appraisal (typically required by the guidelines) (iii) a FNMA Collateral Underwriter ("CU") analysis with a score of 2.5 or less. In the event a loan did not contain any of the supplemental documentation, IB ordered an AVM, desk review or field review to fulfill the requirement. If any of the supplemental material(s) had an estimate of value that was lower than the original appraised value by 10% (or more), a field review (or suitable alternative) was obtained.

Each Loan was analyzed to confirm it was sufficiently collateralized by real property, and each appraisal was audited to address the following FIRREA/USPAP rules and standards:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Was
 the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Does
 the appraisal state the definition of Market Value?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Does
 the appraisal indicate the appraiser's license or certification, number and expiration
 date?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Does
 the appraisal disclose any extraordinary assumptions, hypothetical conditions? Does the
 appraisal include a statement of assumptions and limiting conditions?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 yes, do the items appear to be reasonable?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Is
 a minimum 3-year subject sale history included?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Does
 the report state the effective date of the appraisal?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Does
 the appraisal summarize the process used to collect, confirm, and report data?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Does
 the appraisal state the subject's highest and best use?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Does
 the appraisal clearly identify the real estate being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Does
 the appraisal state the real property interest being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Does
 the report contain sufficient information?

Inglet Blair, LLC Deal Summary<br>AOMT 2023-1<br>pg. 3<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Was
 the appraisal reported on a FNMA appraisal form?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 yes, was the form materially complete?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Which
 of the industry recognized methods of valuation were included that may have been utilized
 to support the institution's decision to engage in the transaction?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Direct
 Sales Comparison Approach, Cost Approach, or Income Approach?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 any of these approaches have been omitted or excluded, is there sufficient explanation
 provided as to why?

**7.** **Regulatory Compliance Review to Federal, State and Local Lending Laws** 

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review. The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending. For the Seventy-Two (72) business purpose loans no compliance testing was completed, and a compliance grade of "A" was assigned.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 3.0 TRID Compliance Review Scope standard as described below.

- Federal Truth in Lending Act– Regulation Z

○ Consumer Handbook on Adjustable Rate Mortgages (1026.19(b)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

○ Your Home Loan Toolkit (1026.19(g)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

● Provided within 3 business days of application

○ Federal High-cost (1026.32)

● Identify points and fees and/or APR threshold test failures

● Prepayment Penalty restrictions

○ Higher-priced Mortgage Loans (1026.35)

● APR Threshold with the corresponding appraisal and escrow requirements

○ Right of Rescission (1026.23)

● Review accuracy, timing and content of disclosure(s)

● Confirm all requisite consumers received notice and correct form

○ Qualified Mortgage Rule (1026.43(e))

● Perform points and fees test to confirm 3% threshold

● Adherence to Appendix Q and DTI below 43%

● Loan does not contain "risky feature" (IO, Negative Amortization, etc.)

● Contain a valid and approved AUS

● Ability-to-Repay ("ATR") (1026.43(c)(2) – IB reviewed each Loan for the applicable mortgagor's ability to repay; however, there is no representation or warranty, implied or otherwise, that a court (or other administrative/legislative authority) will agree with the determination. IB objectively confirmed the following eight (8)-factors had been considered and, where applicable, documented:

● (i) The consumer's current or reasonably expected income or assets, other than the value of the dwelling, including any real property attached to the dwelling, that secures the loan;

● (ii) If the creditor relies on income from the consumer's employment in determining repayment ability, the consumer's current employment status;

● (iii) The consumer's monthly payment on the covered transaction, calculated in accordance with paragraph (c)(5) of this section;

Inglet Blair, LLC Deal Summary<br>AOMT 2023-1<br>pg. 4<br>

● (iv) The consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made, calculated in accordance with paragraph (c)(6) of this section;

● (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 in accordance with paragraph (c)(7) of this section; and

● (viii) The consumer's credit history.

○ TRID (1026.36, 37)

○ Loan Estimate ("LE")

● Initial LE was provided within three (3) business days of application as provided by the broker or creditor and loan does not consummate within seven (7) business days of receipt

● Provided within three (3) business days of a valid Change of Circumstance

● Complete in all material respects

● Contains NMLS ID

● Confirm the "In 5 Years" calculation is not over disclosed

○ Final Closing Disclosure ("CD")

● Confirm creditor provided CD no later than three (3) business days of consummation and confirm all relevant fields are complete

● Ensure technical requirements are met – Rounding, Alphabetization, Number of Fees per category and title fees properly labeled

● Recalculation of the Finance Charge, Amount Financed, Total of Payments ("TOP"), and Total Interest Payments ("TIP")

● Projected Payments - Re-calculation of Principal and Interest payment(s), verified escrow and insurance payments, interest only periods and final balloon payments are present and displayed in the correct number of columns

● Adjustable Interest Rate and Adjustable Payment Tables are present, complete and accurate, if applicable

● No fee charged for preparation of LE or CD

● Fee descriptions conform with clear and conspicuous standard

● Loan terms match that of the subject loan – balance, rate, term, prepayment penalty

● Loan Disclosures section is complete – Late Payment matches the note and the escrow section is consistent within the disclosure

○ Fee and Tolerance Testing - Zero and ten percent (10.0%) tolerance testing, including the presence, timing and a validation of a change of circumstance and corresponding fee changes

○ Evidence Service Provider List and Your Home Loan Toolkit, if applicable, were provided or present in the loan file

○ LE and CD form(s) provided to the borrower are consistent across the loan process

○ NMLS ID is present on the loan application, note, security instrument, LE and CD, as applicable

○ Items not tested, include but are not limited to:

● Categorization of fees in the appropriate section

● Accuracy of information for fields not expressly stated above

● Presence and accuracy of the Seller's Transaction columns on the Seller's columns

○ State High-cost and Predatory lending regulations

○ RESPA disclosures

● Confirm GFE and HUD-1

● Special Information Booklet

● Notice of Servicing Transfer

● Affiliated Business Arrangement Disclosure

● Homeownership Counseling Disclosures

○ Equal Credit Opportunity Act

Inglet Blair, LLC Deal Summary<br>AOMT 2023-1<br>pg. 5<br>

● Presence, acknowledgement and timing of the Right to Receive Copy of Appraisal Disclosure

Structured Finance Association ("SFA") organized and led an initiative to establish a framework for Third-Party Reviewer's ("TPR") to evaluate and grade loans subject to the Know Before You Owe Act, also commonly referred to as TILA-RESPA Integrated Disclosure ("TRID"). While all grades and conclusions are established in good faith, the grading scheme materiality and impact for certain exceptions may change from time to time, and thus, all reports contain Interpretation Risk. Under no circumstance should the Client, any potential investors or other individual party solely rely on the interpretations made by IB, SFA, or its outside counsel.

Please be advised that IB is not a law firm, does not employ personnel who are licensed to practice law and the exceptions, observations and conclusions provided by IB are not legal opinions. IB relies upon the advice of outside counsel, informal advice of regulators and industry practice to determine materiality.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**TRID Tested** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;No | &nbsp;&nbsp;72 | &nbsp;&nbsp;44.17% |
| &nbsp;&nbsp;Yes | &nbsp;&nbsp;91 | &nbsp;&nbsp;55.83% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**163** | &nbsp;&nbsp;**100%** |

---

**8.** **Any Other Type of Review** 

There was no other review performed.

Inglet Blair, LLC Deal Summary<br>AOMT 2023-1<br>pg. 6<br>

**5. Summary of Finding and Conclusions of Review**

The following tables represent the final NRSRO overall and component grades. The Overall grade is comprised of the lowest of the component grades.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Final Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;89 | &nbsp;&nbsp;54.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;74 | &nbsp;&nbsp;45.40% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**163** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Credit Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;124 | &nbsp;&nbsp;76.07% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;39 | &nbsp;&nbsp;23.93% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**163** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**NRSRO Final Compliance Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;118 | &nbsp;&nbsp;72.39% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;45 | &nbsp;&nbsp;27.61% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**163** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Property Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;156 | &nbsp;&nbsp;95.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;4.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**163** | &nbsp;&nbsp;**100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Adjustable-Rate Mortgage | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.61% |
| &nbsp;&nbsp;Fixed Rate | &nbsp;&nbsp;162 | &nbsp;&nbsp;99.39% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**163** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;1st | &nbsp;&nbsp;163 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**163** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary<br>AOMT 2023-1<br>pg. 7<br>

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.61% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;79 | &nbsp;&nbsp;48.47% |
| &nbsp;&nbsp;First Time Home Purchase, as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years.) | &nbsp;&nbsp;14 | &nbsp;&nbsp;8.59% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;50 | &nbsp;&nbsp;30.67% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;19 | &nbsp;&nbsp;11.66% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**163** | &nbsp;&nbsp;**100%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Single Family Detached (non-PUD) | &nbsp;&nbsp;81 | &nbsp;&nbsp;49.69% |
| &nbsp;&nbsp;Condo Low Rise | &nbsp;&nbsp;21 | &nbsp;&nbsp;12.88% |
| &nbsp;&nbsp;dPUD | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;PUD Detached | &nbsp;&nbsp;33 | &nbsp;&nbsp;20.25% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.45% |
| &nbsp;&nbsp;One-Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.61% |
| &nbsp;&nbsp;Two-Family | &nbsp;&nbsp;15 | &nbsp;&nbsp;9.20% |
| &nbsp;&nbsp;Three-Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;Four-Family | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.07% |
| &nbsp;&nbsp;Mixed Use | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.61% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**163** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary<br>AOMT 2023-1<br>pg. 8<br>

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;7.98% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;6.75% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;15.95% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**37** | &nbsp;&nbsp;22.70% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**67** | &nbsp;&nbsp;41.10% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;3.07% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**163** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;7.98% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;6.75% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;15.95% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**37** | &nbsp;&nbsp;22.70% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**67** | &nbsp;&nbsp;41.10% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;3.07% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**163** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary<br>AOMT 2023-1<br>pg. 9<br>

## Exhibit 99.22

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.22**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Eception ID** | **Eception ID Date** | **Condition Category** | **Condition Standardized Description** | **Condition ID** | **Alternative Condition Grade** | **Status** | **Condition Custom Description** | **Cleared Date** | **Compensating Factors** | **Lender Response** | **Comments** | **Loan Status** |
| 2023010908 | XXX | 834626 | XXX | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | SSR returned score of desk review required. |  | Verified housing payment history - Borrowers housing history was verified using the Credit Report supporting a total mortgage tradelines, all paid with zero late payments.; Verified employment history - Borrower's employment history supports years within the same industry.; Verified credit history - Borrowers Credit Report showed a credit history dating to year , with a total of tradelines, all paid with zero late payments and a revolving tradeline with a high limit of , . |  | Desk review supporting value of K received. | Sold C A |
| 2023010845 | XXX | 847155 | XXX | Credit | Missing Credit Report | CR 0001 | 1 | Closed | Credit report was not in the file. Subject to reverification of credit package. |  | Verified reserves - Borrower has over mo verified reserves from cash-out proceeds. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received copy of lender credit report. | Sold D A |
| 2023010845 | XXX | 851606 | XXX | Compliance | Note is Incomplete | NOTE 0050 | 2 | Acknowledged | Missing Personal Guaranty for XXX. Loan closed in the name of XXX |  | Verified reserves - Borrower has over mo verified reserves from cash-out proceeds. |  | Client: EV - Received lender eception for no personal guaranty for loan closed in name of LP. | Sold C B |
| 2023010845 | XXX | 851607 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 2 | Acknowledged | Per section . of the Guide, missing evidence of: personal guaranty by J.O., missing certificate of good standing & ta identification for . File contains XXX, |  | Verified reserves - Borrower has over mo verified reserves from cash-out proceeds. |  | Client: EV - TIN# provided. Lender Eception listed separately for no personal guaranty. | Sold C B |
| 2023010845 | XXX | 851609 | XXX | Credit | Missing Evidence of Ownership of Free and Clear Property | CR 0011 | 1 | Closed | &nbsp;&nbsp;&nbsp;&nbsp;reflects that property xxxx Ln is owned free and clear. Fraud report reflects Mortgage to AHL originated with a balance of , . Missing proof property is owned Free and Clear or VOM to verify mortgage history . |  | Verified reserves - Borrower has over mo verified reserves from cash-out proceeds. |  | &nbsp;&nbsp;&nbsp;&nbsp;received corrected to reflect xxxx Ln is not freeclear. | Sold C A |
| 2023010845 | XXX | 857640 | XXX | Credit | Loan Amount Eception | CRED 0020 | 2 | Acknowledged | Loan amount is < , minimum loan amount per productXXX. |  | Verified reserves - Borrower has over mo verified reserves from cash-out proceeds. |  | Client: EV - Received lender eception for loan amount < k guideline minimum. | Sold C B |
| 2023010900 | XXX | 863029 | XXX | Compliance | Estimated Total MinimumMaimum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 1 | Closed | Difference is . Verified taes via Ta Search and Preliminary Title yearly monthly. Lender used lower taes monthly. -- Report The Estimated Total Maimum Payment Amount in column of the Disclosed Closing Disclosure Projected Payments Table does not match the value in the System Calculated Projected Payments Table. The Disclosed Projected Payments Table contains a value of (), while the Calculated Projected Payments Table has a value of (). |  | Verified reserves - Borrower has mo verified reserves.; Low LTVCLTVHCLTV - Pur XXX loan is at LTV. |  | &nbsp;&nbsp;&nbsp;&nbsp;Final CD indicated escrow taes of . XXX website taes are . | Sold C A |
| 2023010900 | XXX | 864112 | XXX | Credit | Back-end Ratio eception (DTI) | CRED 0004 | 1 | Closed | Back-end ratio of requires minimum residual income of , . Subject loan with only , in residual income. Lender did not use monthly property ta liability as evidenced by Ta Search. Due to the DTI eceeding , the Guide requires , residual income. |  | Verified reserves - Borrower has mo verified reserves.; Low LTVCLTVHCLTV - Pur XXX loan is at LTV. |  | Lender provided documentation that bor's able to apply new rules of Prop w bor age > , new taes factored in on sold residence. DTI now < and no longer requires the residual income requirement. | Sold C A |
| 2023010901 | XXX | 861394 | XXX | Credit | Discrepancy between 1003 and documentation stated andor verified in file | APP 0006 | 1 | Closed | Discrepancy between and documentation stated andor verified in file. Loan application does not list , AZ property as evidenced by , Note on pg of loan file. |  | Verified reserves - mos reserves, minimum mos required<br>; Low LTVCLTVHCLTV - ltv, ma allowed. |  | property is new pur XXX not yet disclosed on but has been included on review REO. | Sold C A |
| 2023010901 | XXX | 861395 | XXX | Compliance | Missing PUD Rider | DEED 0007 | 2 | Acknowledged | Missing PUD Rider. Per appraisal on pg , subject property is part of of a PUD development with annual dues. |  | Verified reserves - mos reserves, minimum mos required<br>; Low LTVCLTVHCLTV - ltv, ma allowed. | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided copy of PUD Rider. Finding remains. PUD Rider is not signed by borrower. Eecuted PUD Rider needed. | Client: The HOA fee is annually, the property does not appear to qualify as a PUD in the true sense of the word per the appraiser pg. . There are no common amenities such as walkways, trails, parks, clubhouses etc. other than a shared lake mentioned by the appraiser. | Sold C B |
| 2023010904 | XXX | 872008 | XXX | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing copy of Borrower Affirmation-Bank Statements Used to Qualify statement per CSL Bank statement guidelines on page & . <br>|  | Verified credit history - Lowest Mid FICO score of for B eceeds the minimum required of by points.<br>; Low DTI - DTI is lower than maimum.; Verified employment history - Verified B and B are both self-employed (selling retail produce at swap meets year-round) with ownership for each since . |  | &nbsp;&nbsp;&nbsp;&nbsp;Client provided signed affirmation bank statement document | Sold C A |
| 2023010904 | XXX | 872053 | XXX | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 1 | Closed | Missing verification of new PITIA for: new for XXX Rd (CDs for other refinanced REO were in the file). Subject to reverification |  | Verified credit history - Lowest Mid FICO score of for B eceeds the minimum required of by points.<br>; Low DTI - DTI is lower than maimum.; Verified employment history - Verified B and B are both self-employed (selling retail produce at swap meets year-round) with ownership for each since . |  | &nbsp;&nbsp;&nbsp;&nbsp;Received CD for XXX | Sold C A |
| 2023010910 | XXX | 870931 | XXX | Credit | Credit Score (FICO) eception | CRED 0003 | 2 | Acknowledged | Minimum credit score . Approved credit score .<br>Eception on file p. for the point variance for a LTV OF cash out refinance. |  | Established credit history - Borrower has over years of mortgage history.; Verified reserves - Borrower has over mo verified reserves. |  | Client: EV - Lender approved eception p. | Sold C B |
| 2023010910 | XXX | 873491 | XXX | Credit | Hazard Insurance Coverage Amount is Insufficient | HAZ 0004 | 1 | Closed | Dwelling coverage of , per policy p does not cover loan amount of , . No etended replacement coverage indicated and no Replacement Cost Estimator provided to show lower cost to rebuild. |  | Established credit history - Borrower has over years of mortgage history.; Verified reserves - Borrower has over mo verified reserves. |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender accepts Appraisal Cost-To-Rebuild for dwelling coverage on insurance policy. | Sold C A |
| 2023010909 | XXX | 872932 | XXX | Compliance | Missing MortgageDeed of Trust | DEED 0001 | 1 | Closed | Security Instrument not provided in file. Riders are present. |  | Established Landlord history - Borrower has over mortgages and yrs landlord history. ; Low LTVCLTVHCLTV - LTV on pur XXX transaction. ; Verified reserves - Borrower has over mo reserves post-close. |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided full recorded copy of Deed of Trust | Sold D A |
| 2023010909 | XXX | 873630 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 2 | Acknowledged | Borrower does not meet minimum DSCR for LTV > at . Lender approved eception p. |  | Established Landlord history - Borrower has over mortgages and yrs landlord history. ; Low LTVCLTVHCLTV - LTV on pur XXX transaction. ; Verified reserves - Borrower has over mo reserves post-close. |  | Client: EV - Lender approved eception p. | Sold C B |
| 2023010920 | XXX | 873057 | XXX | Credit | Asset Documentation is Insufficient | CRED 0083 | 2 | Acknowledged | Per guidelines p, asset balances must be verified within days of closing when used on Asset Qualification program. No updated transaction summary or Verification of Deposit provided in file. Closing date with Fidelity statement ending . |  | Verified reserves - Borrower has months reserves, months required.; Verified credit history - Borrower has credit score, minimum required. | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided the following response on XXX - Sent rebuttal to xxxx, The most recent xxxx statement available was Sep , .XXX Issue their statements on a monthly bases. The net statement will be available until Nov st which is after the disbursement date.<br>\*\*\*Finding remains. Lender to provide verification of asset balance within days of note. Pending client eception.<br>Lender provided eplanation of Fidelity monthly statements. Finding remains. Per Asset Qualification program guidelines referenced in lender response, asset balances must be verified within days of note date. <br>Lender provided the following statement: "Please be advised according to the NQM Asset Qualification Program for Assets and reserves the loan amount is less than , , requiring months of reserve if the loan is less than LTV . Our months reserve is , . The borrower XXX Account ending in is . We ask that you please clear condition at your earliest convenience."<br>\*\*\*Finding Remains. Lender provided an eplanation relating to the reserves. Lender to provide xxxx Statement that is within days of closing.<br>Finding remains. Asset statement for BofA is dated within days of closing; however, this account balance of does not cover one month of income calculated of . Per guidelines on Asset Qualification program, mo income used for qualification. Qualification is met by Fidelity account with balance , , that does not have balance verified within days of closing. | Client: Client approved eception for verification of asset balance within days of note. | Sold C B |
| 2023010913 | XXX | 870672 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Affiliated Business Disclosure not provided in file. |  | Low LTVCLTVHCLTV - LTVCLTV ; Verified reserves - Borrower has over mo verified reserves with mo required per productXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided LOE stating no Affiliated Business Arrangements. | Sold C A |
| 2023010902 | XXX | 872491 | XXX | Compliance | Affiliated Business Disclosure Not Provided Within 3 Business Days of Application | COMP 0035 | 1 | Closed | Application Date is . Affiliated Business Disclosure (page)is dated |  | Verified reserves - months reserves and only months required.; Low LTVCLTVHCLTV - ltv, maimum ltv allowed. |  | No ABD required, no affiliates. | Sold C A |
| 2023010902 | XXX | 872534 | XXX | Credit | Back-end Ratio eception (DTI) | CRED 0004 | 1 | Closed | The DTI is greater than difference per Pg ()<br>It appears that all consumer liabilities were not included in the DTI calc- missing that needs to be included in qualification. |  | Verified reserves - months reserves and only months required.; Low LTVCLTVHCLTV - ltv, maimum ltv allowed. |  | Collections > months were not required to be added into the liabilities calculation. Removed. | Sold C A |
| 2023010902 | XXX | 872654 | XXX | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 2 | Acknowledged | Missing COC for LE dated |  | Verified reserves - months reserves and only months required.; Low LTVCLTVHCLTV - ltv, maimum ltv allowed. |  | Client: No fee tolerance violation, level finding. | Sold C B |
| 2023010902 | XXX | 873928 | XXX | Credit | Charge Offs have not been satisfied or paid off | CRED 0041 | 1 | Closed | Per guidelines, collectionscharge-offs do not need to be paid off if aggregate <, . Credit report indicates collections with; XXX. Total in collection @ , . Missing proof paid off andor eligible to be ecluded in DTI calculations. |  | Verified reserves - months reserves and only months required.; Low LTVCLTVHCLTV - ltv, maimum ltv allowed. |  | Guidelines were silent on collections > months. No collections in the last months associated with borrower. Removed. | Sold C A |
| 2023010902 | XXX | 873964 | XXX | Compliance | Fair Market Value Disclosure not provided or eecuted by Title Holders or Lender | TEQ 0011 | 1 | Closed | Fair Market Value Disclosure (page) is not signed by borrowers nor lender. |  | Verified reserves - months reserves and only months required.; Low LTVCLTVHCLTV - ltv, maimum ltv allowed. |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided a copy of the XXX. | Sold C A |
| 2023010923 | XXX | 871757 | XXX | Credit | Hazard Insurance Coverage Amount is Insufficient | HAZ 0004 | 1 | Closed | Hazard insurance coverage is not sufficient. The loan amount is , . HOI Dwelling coverage (p) is , ; Etended Replacement Cost not included in coverage. The Replacement Cost Estimator reflects , (p). The Appraisal Estimated Cost New is , (p). |  | Established credit history - mid credit scores; year credit depth, ecellent payment history includes AA mortgages; Net tangible benefit - Borrowers received , cash in hand after closing<br>; Low LTVCLTVHCLTV - LTV is on refinance transaction. |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided updated insurance policy with increased coverage. | Sold C A |
| 2023010906 | XXX | 872606 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 2 | Acknowledged | Minimum residual income requirement of , not met per guidelines p. month average income , with total obligations of , results in a residual income of , . |  | Low LTVCLTVHCLTV - ltv, maimum allowed.; Verified reserves - mos reserves, minimum months required; Verified credit history - credit score, minimum required.; Low DTI - dti, maimum allowed. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lender eception sent to client for review and approval. Client to provide eception for file.<br>Lender provided eplanation of residual income calculation of . Finding remains. is borrowers total monthly income. After subtracting monthly obligations of , remaining residual income is . Pending client approval of Lender eception. | Client: Client approved lender eception for residual income calculation below minimum required. | Sold C B |
| 2023010907 | XXX | 871452 | XXX | Credit | Missing Schedule of Real Estate Owned | APP 0005 | 2 | Acknowledged | Missing evidence of status & disposition of property located on XXX Blvd. Per section of loan application, residing at location for years, but it is not on the schedule fo REO. Per section f, borrower's primary residence located on XXX. (Verification required to verify reserves requirement for Additional Financed Properties) |  | Low LTVCLTVHCLTV - ltv, ma allowed.; Verified credit history - credit score, minimum required.; Verified reserves - mos reserves, minimum mos required. | : Lender provided corrected with XXX XXX as primary address. Also provided evidence that mailing address on XXX belongs to an UPS Store. | Client: : Unsigned by either borrower or originator waived as immaterial and does not affect the underwriting decision. | Sold C B |
| 2023010925 | XXX | 871709 | XXX | Property | Missing Appraiser License | APPR 0043 | 1 | Closed | Missing copy of appraiser XXX license. |  | Low LTVCLTVHCLTV - ltv, maimum ltv allowed.; Verified reserves - months reserves, months requried.; Verified credit history - credit score, minimum required. |  | - Recd appraiser license | Sold C A |
| 2023011002 | XXX | 867727 | XXX | Credit | Insufficient Verified Reserves (Number of Months) | CRED 0017 | 1 | Closed | : Total reserves required . Total verified reserves . Loan is short , in liquid funds for reserves. Per programXXX for Select Prime - Full Doc, required reserves are mo PITIA. Borrower has verified mo reserves. Final reflect use of vested balance of XXX retirement account, when guidelines show of balance permitted. |  | Verified employment history - Borrower has + years in current position, demonstrating good job stability .; Net tangible benefit - Significant consumer debt paid off thru transaction, showing a reduction of monthly obligations from to , which is a monthly savings of . |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided the following statement "This is debt consolidation loan so only months are required, not ." Based on the XXX the reserve requirement is: Mos PITI for Debt Consolidation if saving in monthly payments. <br>| Sold C A |
| 2023011002 | XXX | 867738 | XXX | Credit | Hazard Insurance Coverage Amount is Insufficient | HAZ 0004 | 1 | Closed | Renewal insurance policy indicates dwelling coverage of , . No etended replacement coverage indicated. This does not cover loan amount of , . No Replacement Cost Estimator (RCE) provided to support lower cost-to-rebuild in event of loss. |  | Verified employment history - Borrower has + years in current position, demonstrating good job stability .; Net tangible benefit - Significant consumer debt paid off thru transaction, showing a reduction of monthly obligations from to , which is a monthly savings of . |  | When including the additional Building Ordinance of , , the coverage amount eceeds the loan balance. | Sold C A |
| 2023011002 | XXX | 867743 | XXX | Credit | Questionable Occupancy | CRED 0117 | 1 | Closed | Updated : Eception remains, lender to provide documentation from insurer why policy reads landlord. Lender provided DL issued reflecting subject address. However, XXX Insurance policy effective shows policy type as landlord.<br>Homeowners Insurance policy reflects Landlord policy with mo rent loss coverage. No eplanation provided for landlord coverage on a primary residence dwelling. |  | Verified employment history - Borrower has + years in current position, demonstrating good job stability .; Net tangible benefit - Significant consumer debt paid off thru transaction, showing a reduction of monthly obligations from to , which is a monthly savings of . |  | &nbsp;&nbsp;&nbsp;&nbsp;Policy provided reflects homeowners coverage with personal property contents coverage. | Sold C A |
| 2023011002 | XXX | 868187 | XXX | Credit | Missing Ta Transcript(s) | CRED 0091 | 1 | Closed | &nbsp;&nbsp;&nbsp;&nbsp;provided in file p has not been eecuted for W transcripts to support full documentation per guidelines section .. |  | Verified employment history - Borrower has + years in current position, demonstrating good job stability .; Net tangible benefit - Significant consumer debt paid off thru transaction, showing a reduction of monthly obligations from to , which is a monthly savings of . |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided eecuted - C document | Sold C A |
| 2023011002 | XXX | 868189 | XXX | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 1 | Closed | Missing COC for Rate Lock on LE issued . |  | Verified employment history - Borrower has + years in current position, demonstrating good job stability .; Net tangible benefit - Significant consumer debt paid off thru transaction, showing a reduction of monthly obligations from to , which is a monthly savings of . |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided COC for LE rate lock. | Sold C A |
| 2023011000 | XXX | 869575 | XXX | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan EstimateClosing Disclosure | TRID 0195 | 1 | Closed | Missing COC for increase in the Broker fee of to --The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on --: Broker Compensation (Borrower Paid). Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (CFR (e); CFR (e); CFR (f)(v)). |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided COC for Broker Fee, upon resubmission eception cleared. | Sold C A |
| 2023010935 | XXX | 873584 | XXX | Compliance | Missing MortgageDeed of Trust | DEED 0001 | 1 | Closed | missing from loan file. The - family rider and pre-pay rider was in the file. |  | Verified credit history - Good FICO ; Verified reserves - months reserve required with additional per financed REOs= months reserves verified |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deed of Trust provided. <br>Lender provided a copy of the - Family Rider and Prepayment Rider. | Sold D A |
| 2023010929 | XXX | 876057 | XXX | Compliance | Initial CD Received Date is business days prior to Consummation Date | TRID 0008 | 1 | Closed | Missing Initial CD. Earliest CD in file is CD signed at closing. -- The Initial Closing Disclosure Received Date of (--) is not three business days before the consummation date of (--). Three business days before the consummation date is (). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (CFR (f)(ii)(A)); (f)(iii)). |  | Verified reserves - months reserve requirements months reserve requirements verified; Low DTI - |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided CD wissue date of | Sold C A |
| 2023010938 | XXX | 881145 | XXX | Compliance | Affiliated Business Disclosure Is Not Eecuted | COMP 0036 | 2 | Acknowledged | Affiliated Business Disclosure is not in file. |  | Verified reserves - months reserve requirement months reserves verified; Verified credit history - FICO Minimum |  | Client: EV FACTS Disclosure in file indicates lender has affiliates. CD does not indicates any fees to affiliates. | Sold C B |
| 2023010938 | XXX | 881216 | XXX | Credit | Missing Cash to Borrower | HUD 0017 | 1 | Closed | Cash to Close reflected although loan is listed as Cash-Out. Please see Final and on pages and |  | Verified reserves - months reserve requirement months reserves verified; Verified credit history - FICO Minimum |  | Eception made in error. Borrower needed to bring to close to cover the closing costs and debt payoff.<br>| Sold C A |
| 2023010937 | XXX | 884136 | XXX | Compliance | Missing MortgageDeed of Trust | DEED 0001 | 1 | Closed | Mortgage not in file. |  | Verified reserves - months reserve requirements , per cash out months reserves verified; Verified employment history - Borrower has over years in same employment industry; Low LTVCLTVHCLTV - Loan is at LTV. |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Recorded Deed of Trust provided. | Sold D A |
| 2023010937 | XXX | 885572 | XXX | Property | XXX Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Appraisal does not contain affirming that it was prepared in accordance with Title I of XXX and any implementing regulations as required for XXXs. |  | Verified reserves - months reserve requirements , per cash out months reserves verified; Verified employment history - Borrower has over years in same employment industry; Low LTVCLTVHCLTV - Loan is at LTV. | &nbsp;&nbsp;&nbsp;&nbsp;Cleared revised appraisal with correct XXX provided by lender. | STIP | Sold C A |
| 2023010933 | XXX | 880922 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 2 | Acknowledged | No Affiliated Business Disclosure found in file. Verified affiliates per FACTS disclosure page . Per final CD, page , no affiliates were paid fee in this transaction. |  | Verified credit history - Mid FICO of eceeds the minimum required for ma LTV by points.; Low DTI - DTI is below maimum. |  | Client: EV No Affiliated Business Disclosure found in file. Verified affiliates per FACTS disclosure page . Per final CD, page , no affiliates were paid fee in this transaction. | Sold C B |
| 2023010933 | XXX | 880924 | XXX | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 2 | Acknowledged | Unable to validate lenders Non Escrowed Estimated Property Costs over Year calculation of (CD pg).Taes per ta bill on page is annually , monthly. Hazard per policy on page is annually . Both of these match the lender's amounts listed on page of the CD (page). HOA of per the appraisal and final application. The lender does not disclose the HOA amount on the CD. Total annual cost or , monthly. |  | Verified credit history - Mid FICO of eceeds the minimum required for ma LTV by points.; Low DTI - DTI is below maimum. |  | Client: Non-escrowed loan, level eception. | Sold C B |
| 2023010933 | XXX | 884304 | XXX | Credit | Asset Documentation is Insufficient | CRED 0083 | 2 | Acknowledged | Unable to locate CPA LOE for authority to access funds for XXX business account. Unable to locate LOE for access to assets in XXX personal account from XXX . Borrower requires months total reserves. Without these asset accounts, borrower reserves vs Lender months on on page . |  | Verified credit history - Mid FICO of eceeds the minimum required for ma LTV by points.; Low DTI - DTI is below maimum. |  | Client: Borrower reserves meet guidelines with documented account. | Sold C B |
| 2023010932 | XXX | 881205 | XXX | Credit | Sales Price on HUD-1 does not agree with Pur XXX Contract | HUD 0014 | 1 | Closed | Pur XXX Contract pg reflects sales price of , - Final Closing Disclosure pg reflects sales price of , . Cash Sale agreement on page reflects sales price of , ; however, document not dated and transaction is not a cash sale. |  | Verified credit history - Mid FICO of eceeds the minimum required for ma LTV by points.; Low DTI - DTI is below maimum.; Verified employment history - Verified self-employed since .<br>|  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided a copy of the updated sales agreement which reflects a pur XXX price of , . | Sold C A |
| 2023010932 | XXX | 886550 | XXX | Credit | Hazard Insurance Coverage Amount is Insufficient | HAZ 0004 | 1 | Closed | Dwelling coverage of , indicated on insurance policy does not cover loan amount of , . No Replacement Cost Estimator provided in file. |  | Verified credit history - Mid FICO of eceeds the minimum required for ma LTV by points.; Low DTI - DTI is below maimum.; Verified employment history - Verified self-employed since .<br>|  | Eception made in error. Per appraisal, estimate of cost - new is , . The Dwelling coverage of , is sufficient. | Sold C A |
| 2023010932 | XXX | 886658 | XXX | Property | Missing Required Property Inspection | PROP 0003 | 1 | Closed | Appraiser provided value as-is; however, indicates a cost-to-cure of for garage door and siding repairs to both garage and home. Photos in file indicate severe damage to detached garage structure and doors reflect potential safety hazard. Additionally, roof and soffits of both structures reflect deferred maintenance with potential growth of moss. Recommend additional photos of roof andor D reinspection to reflect needed repairs complete. |  | Verified credit history - Mid FICO of eceeds the minimum required for ma LTV by points.; Low DTI - DTI is below maimum.; Verified employment history - Verified self-employed since .<br>| &nbsp;&nbsp;&nbsp;&nbsp;Cleared lender provided D inspection report for the moss and garage door. Final inspection and photos confirming garage doors had been removed, XXX repaired and the moss cleared from the roof. | Lender provided a final inspection and photos confirming garage doors had been removed, vinyl siding repaired and the moss cleared from the roof. | Sold C A |
| 2023010939 | XXX | 881295 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 2 | Acknowledged | Missing Affiliated Business Disclosure. Verified affiliates per FACTS disclosure p . Per final CD no affiliates were paid fees in this transaction p . |  | Low LTVCLTVHCLTV - LTVCLTV . below the ma ; Verified reserves - months above the requirement of months |  | Client: Missing Affiliated Business Disclosure. Verified affiliates per FACTS disclosure p . Per final CD no affiliates were paid fees in this transaction p . | Sold C B |
| 2023010939 | XXX | 884470 | XXX | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Bank statement worksheet and are undated. |  | Low LTVCLTVHCLTV - LTVCLTV . below the ma ; Verified reserves - months above the requirement of months | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided a response for ABD, but did not respond to missing loan approval.<br>\*\*\*Finding remains. Lender to provide a copy of the conditional loan approval.v | &nbsp;&nbsp;&nbsp;&nbsp;Investor acknowledged eception. Ok to clear with final in file.<br>| Sold C A |
| 2023010940 | XXX | 887546 | XXX | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval was not in the file; pg |  | Verified reserves - months reserves verified, mos required.; Verified credit history - credit score, minimum eligible.; Low DTI - dti, maimum eligible. |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided a copy of the conditional loan approval. | Sold D A |
| 2023010934 | XXX | 886409 | XXX | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Lender loan approval not provided. Undated pg. |  | Low LTVCLTVHCLTV - LTVCLTV - below the ma ; Established Landlord history - Borrower has multiple REO's with good payment history. Subject loan has DSCR coverage. | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided a copy of the loan conditions.<br>\*\*\*Finding remains. Lender to provide a copy of the Loan Approval. | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided response indicating loan was underwritten based on Non-QM Investor guides and per guides loan approval was not required; was in the file. | Sold D A |
| 2023011007 | XXX | 890972 | XXX | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 1 | Closed | Missing COC for LE issued . Rate lock, and loan amount decrease. See page |  | Verified reserves - months; Verified employment history - Borrower has + years in the same business per CAP letter p. |  | : Received copy of COC dated . Eception cleared. | Sold C A |
| 2023011007 | XXX | 893065 | XXX | Credit | Loan Amount Eception | CRED 0020 | 1 | Closed | Minimum Loan amount is , perXXXces . Loan amount of , does not meet guidelines. |  | Verified reserves - months; Verified employment history - Borrower has + years in the same business per CAP letter p. |  | &nbsp;&nbsp;&nbsp;&nbsp;Client provided correct LenderXXX for . Per lenderXXX p, Select Prime - Alt Doc, minimum loan amount is , . | Sold C A |
| 2023011007 | XXX | 991272 | XXX | Credit | Unacceptable Borrower Citizenship Status | CLNT 0003 | 2 | Acknowledged | ITIN Loan - Reported for informational purposes. |  | Verified reserves - months; Verified employment history - Borrower has + years in the same business per CAP letter p. |  | Client: ITIN Loan - Reported for informational purposes. ITIN pg. Passport pg | Sold C B |
| 2023011004 | XXX | 890890 | XXX | Property | Potential Flip Transaction | PROP 0007 | 2 | Acknowledged | Per guidelines p regarding Flip Transactions, no assignments of pur XXX contract to another buyer are accepted and property must be openly marketed. Per contract in file, borrower is not original buyer and has assumed contract from rd party entity. |  | Verified credit history - Borrower has qualifying FICO with payment history and credit depth. minimum FICO required for . | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided contract addendum adding borrower to contract. <br>\*Finding Remains\* SUBJECT TO INVESTOR REVIEW AND APPROVAL. Previous contract addendum already present in original file p reflecting contract assignment from unrelated rd party entity. Per guidelines p regarding Flip Transactions, no assignments of pur XXX contract to another buyer are accepted and property must be openly marketed.<br>\*Finding Remains\* SUBJECT TO INVESTOR REVIEW AND APPROVAL<br>Lender responded with a Loan Processor letter, stating than an addendum to contract has been requested adding Borrower as pur XXX r. <br>\*\*\*Eception remains: Flip Transactions, no assignments of pur XXX contract to another buyer are accepted and property must be openly marketed. Per contract in file, borrower is not original buyer and has assumed contract from rd party entity. Pending receipt of updated pur XXX contract and Investor approval. | Client: EV Investor approved eception. No change to sale price and no other sale of property in last years. | Sold C B |
| 2023011004 | XXX | 890922 | XXX | Credit | LTV Eceeds Ma Allowed | CRED 0010 | 1 | Closed | Per productXXX, First-Time investor is limited to LTV on Investor DSCR program. LTV is higher than guideline. |  | Verified credit history - Borrower has qualifying FICO with payment history and credit depth. minimum FICO required for . | Cleared Lender provided FLE Guideline Updates . DSCR removed first time investor requirements. | Lender provided FLE Guideline Updates . DSCR removed first time investor requirements. | Sold C A |
| 2023011003 | XXX | 890745 | XXX | Compliance | Missing Initial Loan Estimate | TRID 0170 | 1 | Closed | Initial LE is not in loan file. |  | Low LTVCLTVHCLTV - LTV is at .; Verified reserves - Borrower has months verified reserves.; Verified employment history - Borrower has over yrs self-employment |  | : Received copy of Initial LE issued Eception cleared. | Sold C A |
| 2023011003 | XXX | 890871 | XXX | Compliance | Initial Loan Estimate Sent Date Business Days from Application Date (Rule) | TRID 0027 | 1 | Closed | The Initial Disclosure Date (--) is more than business days from the Application Date (--). Three business days from the Application Date is (--). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(CFR (e)(iii)) |  | Low LTVCLTVHCLTV - LTV is at .; Verified reserves - Borrower has months verified reserves.; Verified employment history - Borrower has over yrs self-employment |  | : Received copy of Initial LE issued Eception cleared. | Sold C A |
| 2023011003 | XXX | 890872 | XXX | Compliance | Intent To Proceed Date Loan Estimate Received Date | TRID 0046 | 1 | Closed | The date the consumer indicated an intent to proceed with a transaction (--) is before the date the consumer received the Loan Estimate (--). A consumer cannot indicate an intent to proceed with a transaction until it receives the Loan Estimate. Under Regulation Z, neither a creditor nor any other person may impose a fee, other than a credit report fee, before the consumer has received the Loan Estimate and indicated to the creditor an intent to proceed with the transaction described by the Loan Estimate. (CFR (e)(i)(A)) |  | Low LTVCLTVHCLTV - LTV is at .; Verified reserves - Borrower has months verified reserves.; Verified employment history - Borrower has over yrs self-employment |  | : Received copy of Initial LE issued Eception cleared. | Sold C A |
| 2023011003 | XXX | 893617 | XXX | Credit | Loan Amount Eception | CRED 0020 | 2 | Acknowledged | Minimum Loan Amount is , perXXX p . Loan amount of , does not meet guidelines. |  | Low LTVCLTVHCLTV - LTV is at .; Verified reserves - Borrower has months verified reserves.; Verified employment history - Borrower has over yrs self-employment |  | Client: Investor acknowledged eception.<br>| Sold C B |
| 2023011003 | XXX | 893646 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 2 | Acknowledged | Guidelines require Business Ownership for bank statement program. Borrower is owner. Income calculated based on percentage of ownership. Approved Eception in file p. . To be reviewed and accepted by client. |  | Low LTVCLTVHCLTV - LTV is at .; Verified reserves - Borrower has months verified reserves.; Verified employment history - Borrower has over yrs self-employment |  | Client: Investor acknowledged eception.<br>| Sold C B |
| 2023010944 | XXX | 891905 | XXX | Compliance | Affiliated Business Disclosure Not Provided Within Business Days of Application | COMP 0035 | 2 | Acknowledged | ABD was disclosed on , which is not within the allowable business days on Application . |  | Low LTVCLTVHCLTV - Refinance LTVCLTV is , which is below the maimum required for this loan characteristic ; Low DTI - Final review DTI is . |  | Client: EV - No assignee liability. | Sold C B |
| 2023010944 | XXX | 891919 | XXX | Compliance | Missing T Home Equity Acknowledgment Regarding Voluntary Repayment of Eisting Debt | TEQ 0020 | 1 | Closed | Required T Home Equity Acknowledgment Regarding Voluntary Repayment of Eisting Debt is not provided in loan file. |  | Low LTVCLTVHCLTV - Refinance LTVCLTV is , which is below the maimum required for this loan characteristic ; Low DTI - Final review DTI is . |  | &nbsp;&nbsp;&nbsp;&nbsp;Teas HE Affidavit and Agreement in file, signed and notarized. | Sold C A |
| 2023010941 | XXX | 898827 | XXX | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | File was missing loan approval |  | Verified reserves - months reserves verified; months required for subject.; Verified credit history - Fico . points above the minimum permitted for this loan at LTV. |  | &nbsp;&nbsp;&nbsp;&nbsp;Investor acknowledged eception. Ok to clear with final in file. | Sold D A |
| 2023010947 | XXX | 893733 | XXX | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Undated provided. Lender Conditional Approval needed for approval date to verify correct guidelines used. |  | Verified reserves - Borrower has months verified reserves which eceeds months required.; Verified credit history - Borrower has verified credit score which eceeds minimum required for LTV. |  | &nbsp;&nbsp;&nbsp;&nbsp;Investor acknowledged eception. Ok to clear with final in file. | Sold C A |
| 2023010947 | XXX | 898922 | XXX | Compliance | Missing Mortgage Transaction Date | DEED 0003 | 1 | Closed | Deed of Trust notary sign date not provided. Notary error made with Notary name entered in lieu of date. |  | Verified reserves - Borrower has months verified reserves which eceeds months required.; Verified credit history - Borrower has verified credit score which eceeds minimum required for LTV. | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided corrected acknowledgement from Notary to include date of Deed signature<br>\*\*Finding remains\*\* Need Intent to re-record from lender or verification of re-recorded Deed needed. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lender provided updated Notary acknowledgment | Sold C A |
| 2023010945 | XXX | 899311 | XXX | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Undated provided. Lender Conditional Approval needed for approval date to verify guideline version used. Reviewed to guides - subject to reverification. |  | Verified reserves - Borrower has months reserves verified with months required. ; Established Landlord history - Borrower has verified additional REO properties with landlord eperience and good payment history. |  | &nbsp;&nbsp;&nbsp;&nbsp;Investor acknowledged eception. Ok to clear with final in file.<br>| Sold C A |
| 2023010943 | XXX | 899370 | XXX | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Undated provided. Lender Conditional Approval needed for approval date to verify correct guidelines used. |  | Verified reserves - Per guidelines, month reserve requirement plus for additional REOs is, required. Borrower has months reserves verified.; Verified credit history - Borrower has qualifying FICO of which eceeds minimum perXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;Investor acknowledged eception. Ok to clear with final in file. | Sold C A |
| 2023010946 | XXX | 893426 | XXX | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | &nbsp;&nbsp;&nbsp;&nbsp;in file; however, loan approval was missing. |  | Verified reserves - months reserves verified; months required for subject.; Verified credit history - FICO with minimum for LTV |  | &nbsp;&nbsp;&nbsp;&nbsp;Investor acknowledged eception. Ok to clear with final in file.<br>| Sold D A |
| 2023010957 | XXX | 899169 | XXX | Credit | Missing Loan Approval Date | APRV 0003 | 1 | Closed | Undated provided. Lender Conditional Approval needed for approval date to verify correct guidelines used. |  | Verified credit history - Borrower has qualifying FICO which is points higher than minimum required. ; Verified housing payment history - Months mortgage history reviewed on Investment Property and months on Primary Residence show no late payments. |  | &nbsp;&nbsp;&nbsp;&nbsp;Investor acknowledged eception. Ok to clear with final in file. | Sold C A |
| 2023010957 | XXX | 899173 | XXX | Credit | Missing Copy of Quit Claim Deed | QCD 0001 | 1 | Closed | Per Addendum to Note (p), Borrower is XXX As Managing Member of XXX s. DOT is correct, but Grant Deed in file (p) is not eecuted. |  | Verified credit history - Borrower has qualifying FICO which is points higher than minimum required. ; Verified housing payment history - Months mortgage history reviewed on Investment Property and months on Primary Residence show no late payments. |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided a copy of the eecuted Grant Deed. | Sold C A |
| 2023010981 | XXX | 896528 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 2 | Acknowledged | Initial eecuted by borrower not provided in file. |  | Verified reserves - Borrower has months reserves verified which eceeds month reserve requirement , .; Verified credit history - Borrower has FICO of which eceeds minimum |  | Client: EV Investor acknowledged eception. | Sold C B |
| 2023010987 | XXX | 897085 | XXX | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | Copy of econsent not provided within image file. eSign certificate for the initial disclosures (p) does not indicate a consent date. |  | Low LTVCLTVHCLTV - LTVCLTV . above the maimum required by the applicable guidelines ; Verified reserves - Months reserves |  | Initial LEDisclosures were signed in person. DocMagic consent for locked LE is in file on page . | Sold C A |
| 2023010982 | XXX | 897610 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 2 | Acknowledged | Initial Application, eecuted by borrower, not provided in file. |  | Established credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. ; Low LTVCLTVHCLTV - Ma LTV per guidelines. Verified LTV is , which is lower than allowable. |  | Client: EV Investor acknowledged eception. | Sold C B |
| 2023010970 | XXX | 896490 | XXX | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure Category fees that increased by more than from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 1 | Closed | The total amount of Closing Disclosure Category fees () increased by more than from the total amount disclosed on the Loan Estimate sent on --, (). The total amount of fees in this category cannot eceed () unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (CFR (e)(ii); CFR (e)(iv); CFR (f)(v)). |  | Verified reserves - months reserve requirement Borrower has reserve months verified post closing which eceeds months required perXXX; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | : Received copy of updated Final CD showing credit to borrower in Payoffs section. Eception cleared. | Sold C A |
| 2023010983 | XXX | 898614 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 2 | Acknowledged | Initial Application not provided in file. Eecuted needed to verify application date. . |  | Verified reserves - Borrower has months reserves verified which eceeds months required reserves perXXX. ; Verified credit history - Borrower has qualifying FICO which eceeds minimum required for LTV. |  | Client: EV Investor acknowledged eception. | Sold C B |
| 2023010984 | XXX | 991590 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 2 | Acknowledged | Missing nd full appraisal for loan amount > mm. |  | Verified housing payment history - Per Credit Report there are no derogatory marks on mortgage payments; Verified reserves - months reserves verified; months were required |  | Client: Lender acknowledged eception- Per Lender approved eception with CDA supporting value. LTVCLTV | Sold C B |
| 2023010988 | XXX | 898111 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 2 | Acknowledged | Missing from Loan file |  | Low LTVCLTVHCLTV - LTV with ma allowed of . ; Net tangible benefit - Two mortgages paid off with subject transaction. Prior combined PITIA being reduced to single payment. |  | Client: EV Investor acknowledged. | Sold C B |
| 2023010989 | XXX | 900453 | XXX | Compliance | File Documentation is Incomplete | COMP 0047 | 1 | Closed | &nbsp;&nbsp;&nbsp;&nbsp;missing Borrower phone number and length of time at current residence. |  | Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for BluePoint NQM-DSCR Program with FICO Score - and a loan <= MM.; Minimal outstanding debt - Per the borrower's credit report in file (pg.), there is an established credit history since . Borrower has minimal outstanding revolving debt and one openactive installment loan also supporting conservative credit use. ; Verified reserves - BluePoint NQMXXX_ _UW requires months PITIA for the Subject Property only. PITIA is (+ +); month PITIA requirement is (). Borrower received , in total Cash-out from the transaction. Borrower has , ecess reserves. | Eception cleared - lender provided a corrected | Eception cleared - lender provided a corrected | Sold C A |
| 2023010997 | XXX | 896744 | XXX | Compliance | Missing Homeownership Counseling Disclosure | RESPA 0029 | 1 | Closed | Homeownership Counseling Disclosure is not in loan file. |  | Low LTVCLTVHCLTV - Loan LTV is , which is > lower than la allowable perXXX.; Low DTI - Verified DTI of is lower than ma allowable of . |  | : Received copy of Homeownership Counseling Disclosure. Eception cleared. | Sold C A |
| 2023010997 | XXX | 896745 | XXX | Compliance | Missing Intent to Proceed | TRID 0130 | 1 | Closed | Intent to Proceed is not in loan file. |  | Low LTVCLTVHCLTV - Loan LTV is , which is > lower than la allowable perXXX.; Low DTI - Verified DTI of is lower than ma allowable of . |  | : Received copy of Intent to Proceed. Eception cleared. | Sold C A |
| 2023010997 | XXX | 896746 | XXX | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | Missing E-sign Disclosure. |  | Low LTVCLTVHCLTV - Loan LTV is , which is > lower than la allowable perXXX.; Low DTI - Verified DTI of is lower than ma allowable of . |  | : Received copy of Doc Magic eSign Certificate. Eception cleared. | Sold C A |
| 2023010997 | XXX | 896747 | XXX | Compliance | No proof borrower(s) can receive documents via the electronic method as intended | TRID 0135 | 1 | Closed | Missing E-sign Disclosure. |  | Low LTVCLTVHCLTV - Loan LTV is , which is > lower than la allowable perXXX.; Low DTI - Verified DTI of is lower than ma allowable of . |  | : Received copy of Doc Magic eSign Certificate. Eception cleared. | Sold C A |
| 2023010997 | XXX | 896748 | XXX | Compliance | Missing Initial Loan Estimate | TRID 0128 | 1 | Closed | Initial LELEs are not in loan file. |  | Low LTVCLTVHCLTV - Loan LTV is , which is > lower than la allowable perXXX.; Low DTI - Verified DTI of is lower than ma allowable of . |  | : Received copy of Initial LE. Eception cleared. | Sold C A |
| 2023010997 | XXX | 896805 | XXX | Compliance | Initial CD Received Date is business days prior to Consummation Date | TRID 0008 | 1 | Closed | Initial CE not in file. Earliest CD in file is CD signed by borrower at closing. --<br>The Initial Closing Disclosure Received Date of (--) is not three business days before the consummation date of (--). Three business days before the consummation date is (). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (CFR (f)(ii)(A)); (f)(iii)) |  | Low LTVCLTVHCLTV - Loan LTV is , which is > lower than la allowable perXXX.; Low DTI - Verified DTI of is lower than ma allowable of . |  | : Received copy of Initial CD. Eception cleared. | Sold C A |
| 2023010997 | XXX | 902145 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 1 | Closed | Initial Application, eecuted by borrower, not provided in file. Used Application Date from Doc Magic report (pg.). Need verification of Application Date to finalize compliance testing. |  | Low LTVCLTVHCLTV - Loan LTV is , which is > lower than la allowable perXXX.; Low DTI - Verified DTI of is lower than ma allowable of . |  | : Received copy of signed Initial Application. Eception cleared. | Sold C A |
| 2023010997 | XXX | 902162 | XXX | Compliance | Missing Evidence of Service Provider List | TRID 0151 | 1 | Closed | Service Provider List not in file. |  | Low LTVCLTVHCLTV - Loan LTV is , which is > lower than la allowable perXXX.; Low DTI - Verified DTI of is lower than ma allowable of . |  | : Received copy of Service Provider List. Eception cleared. | Sold C A |
| 2023010997 | XXX | 902163 | XXX | Compliance | XXX Loan | COMP 0016 | 2 | Acknowledged | Non-compliant XXX due to lack of escrow impounds for ta and insurance at origination. -- <br>You submitted no impound amounts for property insurance on this XXX loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: termination of the underlying debt obligation or FIVE years after consummation, if the unpaid principal balance is less than of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (CFR (b)).<br>The loan's () APR equals or eceeds the XXX threshold of (). The threshold is determined by adding points to the comparable average prime offer rate inde on the "last date the interest rate is set before consummation." The comparable APOR for this loan is ().(CFR (a)(i)) |  | Low LTVCLTVHCLTV - Loan LTV is , which is > lower than la allowable perXXX.; Low DTI - Verified DTI of is lower than ma allowable of . | &nbsp;&nbsp;&nbsp;&nbsp;- Received same documents as on . No change. <br>\*\* Loan can be downgraded to an EV after the recession period epires <br>- Received documents including Payment Letter to borrower, escrow account disclosure statement, two reopened RORs eecuted by borrower and non-borrowing spouse, eecuted Post-Closing issued CD and appraisal addendum. <br>\*\* Loan can be downgraded to an EV after the recession period epires <br>: Findings remain Received doc labeled 'appraisal ,' which is appraisal addendum. Eception is due to lack of escrow impounds on XXX. <br>: Received doc labeled 'appraisal ,' which is appraisal addendum. Eception is due to lack of escrow impounds on XXX. Finding remains. | Client: EV Post Closing corrective Action- - Received documents including Payment Letter to borrower, escrow account disclosure statement, two reopened RORs eecuted by borrower and non-borrowing spouse, eecuted Post-Closing issued CD and appraisal addendum. Recession period epired . | Sold C B |
| 2023010972 | XXX | 900519 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 2 | Acknowledged | Missing from loan file |  | Verified reserves - months reserve requirement , reserve months verified; Verified credit history - FICO minimum |  | Client: EV Investor acknowledged eception. | Sold C B |
| 2023010972 | XXX | 900537 | XXX | Compliance | Missing evidence of the Seller HUD1 | HUD 0027 | 2 | Acknowledged | Missing seller HUD |  | Verified reserves - months reserve requirement , reserve months verified; Verified credit history - FICO minimum |  | Client: EV No assignee liability. | Sold C B |
| 2023010973 | XXX | 898564 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 2 | Acknowledged | Missing Initial Application |  | Established Landlord history - Borrower has of properties seasoned more than months ; Low LTVCLTVHCLTV - LTV is below the maimum LTV for this loan characteristic. |  | Client: EV Investor Acknowledged Eception | Sold C B |
| 2023010985 | XXX | 901237 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 2 | Acknowledged | Missing Initial . Review used credit report date of for application date. |  | Low LTVCLTVHCLTV - LTVCLTV is wa ma allowed of for a cash out refinance.; Verified reserves - mths reserves verified with subject cash out proceeds. |  | Client: EV Investor Acknowledged Eception | Sold C B |
| 2023010990 | XXX | 899967 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 2 | Acknowledged | Missing Initial Application. Review utilized Credit Report date of for review. |  | Verified reserves - mths reserves verified with subject cash out proceeds.; Verified credit history - Borrower has a mid FICO of wa minimum requirement of . |  | Client: EV Investor Acknowledged Eception | Sold C B |
| 2023010990 | XXX | 900020 | XXX | Credit | LTV Eceeds Ma Allowed | CRED 0010 | 2 | Acknowledged | Lender underwriter acknowledged LTV eception per (pg.). Ma LTV is for Cash-Out Refinance, FICO +, Loan amount , , - , , with DSCR>= perXXX. |  | Verified reserves - mths reserves verified with subject cash out proceeds.; Verified credit history - Borrower has a mid FICO of wa minimum requirement of . | : Lender is requesting investor approval for this eception. Comp factors cited are credit score points > required. Pending investor review. | Client: EV Investor Acknowledged Eception | Sold C B |
| 2023010990 | XXX | 901152 | XXX | Compliance | MortgageDeed of Trust is not Recorded | DEED 0005 | 2 | Acknowledged | Missing copy of lenders closing instructions to the title companyclosing agent. Deed of Trust is not Recorded. |  | Verified reserves - mths reserves verified with subject cash out proceeds.; Verified credit history - Borrower has a mid FICO of wa minimum requirement of . |  | Client: EV Investor Acknowledged Eception | Sold C B |
| 2023010991 | XXX | 899411 | XXX | Credit | Missing Final 1003 Application | APP 0001 | 1 | Closed | Final application is missing. There is a final application in file (pg.) but it is for XXX Sanders who is not the subject loan borrower. Borrower is XXX. Missing final application for Borrower, XXX. Initial application (pg.) is in file for this borrower. Unable to confirm all final debts lender considered in qualifying vs. debts paid off on final CD (pg.).<br>|  | Net tangible benefit - Subject owner occupied transaction reflects a refinance from to a fied rate at . PITIA lowered from , to . Loan amount increased as additionally the borrower paid off si total consumer accounts with the subject transaction, one being an installment loan. ; Potential for increased earnings - Bank Statements indicate increased average earnings. Average monthly deposits for st half of (Jan - Jun) were , and for the nd half (Jul - Dec).; Verified housing payment history - Per credit report (pg.), prior mortgage history paid for months reviewed. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided eecuted final . | Sold D A |
| 2023010991 | XXX | 899427 | XXX | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 1 | Closed | Missing COC for LE issued |  | Net tangible benefit - Subject owner occupied transaction reflects a refinance from to a fied rate at . PITIA lowered from , to . Loan amount increased as additionally the borrower paid off si total consumer accounts with the subject transaction, one being an installment loan. ; Potential for increased earnings - Bank Statements indicate increased average earnings. Average monthly deposits for st half of (Jan - Jun) were , and for the nd half (Jul - Dec).; Verified housing payment history - Per credit report (pg.), prior mortgage history paid for months reviewed. |  | : Received copy of COC dated . Eception cleared. | Sold C A |
| 2023010991 | XXX | 901699 | XXX | Credit | Missing Documentation or Proof of ATR Underwriting Factors | QMATR 0016 | 1 | Closed | Missing Final eecuted by borrower to confirm Lender considered all outstanding debts owed by the borrower. Missing satisfactory verification of XXX installment debt paid off on final CD (pg.) in amount of and proof it has been paid in full. This debt was not reflected on credit report or the initial borrower . Confirmation is required per guidelines (pg. , section .). Ma DTI is . |  | Net tangible benefit - Subject owner occupied transaction reflects a refinance from to a fied rate at . PITIA lowered from , to . Loan amount increased as additionally the borrower paid off si total consumer accounts with the subject transaction, one being an installment loan. ; Potential for increased earnings - Bank Statements indicate increased average earnings. Average monthly deposits for st half of (Jan - Jun) were , and for the nd half (Jul - Dec).; Verified housing payment history - Per credit report (pg.), prior mortgage history paid for months reviewed. | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided a Payoff Statement for XXX to confirm amounts on the final CD. Missing is satisfactory verification of the debt payment history as required per guidelines. Final provided reflecting this debt in section c. Eception Remains<br>\*\*\*Partially cleared. Missing is satisfactory verification of the installment debt with Fortifi. | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided a Payoff Statement for XXX to confirm amounts on the final CD. Missing is satisfactory verification of the debt payment history as required per guidelines. | Sold C A |
| 2023010991 | XXX | 903645 | XXX | Credit | Insufficient Verified Reserves (Number of Months) | CRED 0017 | 2 | Acknowledged | months of verified reserves required per guidelines with cash out proceeds being allowed only on an eception basis. Missing evidence of sufficient reserves. Short reserves as only one account verified with < balance or evidence of Lender acknowledged eception as noted in guidelines. |  | Net tangible benefit - Subject owner occupied transaction reflects a refinance from to a fied rate at . PITIA lowered from , to . Loan amount increased as additionally the borrower paid off si total consumer accounts with the subject transaction, one being an installment loan. ; Potential for increased earnings - Bank Statements indicate increased average earnings. Average monthly deposits for st half of (Jan - Jun) were , and for the nd half (Jul - Dec).; Verified housing payment history - Per credit report (pg.), prior mortgage history paid for months reviewed. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lender provided full copy of XXX v guidelines. \*\*Finding remains\*\* These guidelines are effective and loan closed . XXX v guides apply.<br>: Lender requesting eception approval for using cash-out to cover reserve requirement. Comp factor cited is debt consolidation reduced payments by a minimum of or . Pending client review. | Client: EV Investor Acknowledged Eception. | Sold C B |
| 2023010993 | XXX | 903184 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 2 | Acknowledged | Cash-back used to cover required reserves will be reviewed as eceptions only per Guidelines p. Borrower's bank statements in file not cover reserve requirements and no assets are listed on . Borrower has months reserves based on bank statements. Per in file p , Underwriter comment "Reserve requirement met with cash-out." |  | Verified reserves - Borrower has mo reserves which eceeds mo required perXXX; Verified employment history - Borrower has been in the same line of work since per Business License p. ; Verified credit history - midscore, minimum required . | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided an ecerpt of the guidelines.<br>\*\*\* Finding remains: Cash-back used to cover required reserves will be reviewed as eceptions only per Guidelines p. Borrower's bank statements in file not cover reserve requirements and no assets are listed on . Borrower has months reserves based on bank statements. Eception request must be in writing and acknowledge by the investor. SUBJECT TO INVESTOR REVIEW AND APPROVAL.<br>- LOE uploaded for cash out reserves. Please waive.<br>\*\*\* Finding remains: Cash-back used to cover required reserves will be reviewed as eceptions only per Guidelines p. Borrower's bank statements in file not cover reserve requirements and no assets are listed on . Borrower has months reserves based on bank statements. Eception request must be in writing and acknowledge by the investor. | Client: EV Investor acknowledged eception. Additional comp factors; LTV = , DTI = , gross disposable income > per month. | Sold C B |
| 2023010986 | XXX | 903154 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 2 | Acknowledged | Initial Application, eecuted by borrower, not provided in file. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | Client: EV Investor Acknowledged Eception | Sold C B |
| 2023010998 | XXX | 904049 | XXX | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Jan. bank statement from XXX # as used in lender income calculation on worksheet p. is not provided in file. |  | Low LTVCLTVHCLTV - Loan LTV is , which is lower than LTV permitted per programXXX; Verified housing payment history - Borrower has months mortgage history reporting with .; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided a complete copy of bank statement ending # validating , in deposits as used in lender and review income calculation. | Sold C A |
| 2023010998 | XXX | 907565 | XXX | Credit | Asset Documentation is Insufficient | CRED 0083 | 1 | Closed | Per XXX Credit Guidelines, assets to be verified with two most recent, consecutive statements. XXX has one statement only provided to source funds-to-close. |  | Low LTVCLTVHCLTV - Loan LTV is , which is lower than LTV permitted per programXXX; Verified housing payment history - Borrower has months mortgage history reporting with .; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | Lender provided WF VOD for showing sufficient funds for closing and to cover reserve requirement. | Sold C A |
| 2023010998 | XXX | 907578 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 2 | Acknowledged | Per XXX Credit Guidelines p, verification business has been established for a minimum of yrs is required for Enhanced Doc (Bank Statement) Program. CPA letter p verifies self-employment of XXX since ; however that business was not used for qualification. XXX is business stated on bank statements used for income qualification. reflects start date of this business as with registration date of . Two years business operation has not been validated. |  | Low LTVCLTVHCLTV - Loan LTV is , which is lower than LTV permitted per programXXX; Verified housing payment history - Borrower has months mortgage history reporting with .; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. | Lender provided proof that the business is registered with city since <br>\*\*\* Finding remain ECEPTION required. Guidelines requires business to be established and in eistence for years. File contains a CPA letter stating that borrower has owned a similar business since . Eception must be requested with Investor for less than years eistence.<br>Seller sent business directory for XXX<br>\*\*Finding remains - Per guidelines XXX Credit Guidelines , Business must be established for years. | Client: Investor Acknowledged Eception based on the following comp factors: Mid FICO , mths verified reserves. | Sold C B |
| 2023010994 | XXX | 903337 | XXX | Compliance | Missing evidence of the Seller Closing Disclosure | TRID 0193 | 2 | Acknowledged | Seller Closing Disclosure is not provided in file. |  | Verified housing payment history - Rental history was verified dating back from .; Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for epert Enhanced Program pur XXX . |  | Client: EV No assignee liability. | Sold C B |
| 2023010994 | XXX | 907305 | XXX | Compliance | Affiliated Business Disclosure Not Provided Within 3 Business Days of Application | COMP 0035 | 1 | Closed | ABD disclosure provided (p) |  | Verified housing payment history - Rental history was verified dating back from .; Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for epert Enhanced Program pur XXX . |  | Received ABD. Eception cleared. - Client: EV - ABD provided. FACTS in file indicates affiliate; however no affiliates paid on transaction per CD. | Sold C A B |
| 2023010869 | XXX | 904091 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing Affiliated Business Disclosure. FACTS Disclosure (pg.) is incomplete. Unable to determine whether or not lender has affiliates. |  | Verified housing payment history - Credit Report p. in file reflects months of satisfactory mortgage history paid .; Verified employment history - Borrower's VVOE p. reflects yrs employment history has been in the same business since |  | Verified affiliate is not paid or used on transaction. ABD not required. | Sold C A |
| 2023010869 | XXX | 905006 | XXX | Credit | Back-end Ratio eception (DTI) | CRED 0004 | 1 | Closed | DTI of eceeds Ma Guidelines allowed. |  | Verified housing payment history - Credit Report p. in file reflects months of satisfactory mortgage history paid .; Verified employment history - Borrower's VVOE p. reflects yrs employment history has been in the same business since | &nbsp;&nbsp;&nbsp;&nbsp;- Received a response from Lender stating: "please see attached the correct income calculation used for final approval along with a revised and using , a month income based on XXX business account # .<br>\*Eception remains. Missing is evidence of months of business bank accounts for XXX account ending in # . File only contains two months bank statements (pgs. -). Income calculation worksheet reflects , in monthly income. Final Review DTI remains outstanding. Lender tape value is . Updated reflects . | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided months of additional business bank statements for account ending # that supports the Lender revised income calculation submitted on of , per month resulting in a Review DTI of . \*Eception cleared. | Sold C A |
| 2023010869 | XXX | 905068 | XXX | Credit | Discrepancy between 1003 and documentation stated andor verified in file | APP 0006 | 1 | Closed | Income verified by months bank statements calculated p. Initial p.and Final p. stated , = and p. used |  | Verified housing payment history - Credit Report p. in file reflects months of satisfactory mortgage history paid .; Verified employment history - Borrower's VVOE p. reflects yrs employment history has been in the same business since | &nbsp;&nbsp;&nbsp;&nbsp;- Received a response from Lender stating: "please see attached the correct income calculation used for final approval along with a revised and using , a month income based on XXX business account # .<br>\*Eception remains. Missing is evidence of months of business bank accounts for XXX account ending in # . File only contains two months bank statements (pgs. -). Income calculation worksheet reflects , in monthly income. Final DTI remains outstanding as well. | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided months of additional business bank statements for account ending # that supports the Lender revised income calculation submitted on of , per month. \*Eception cleared. | Sold C A |
| 2023010869 | XXX | 906128 | XXX | Compliance | Estimated Total MinimumMaimum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 1 | Closed | Variance is due to property taes. Ta Record Sheet (pg.) has a correction. Original quarterly amount of , was changed to , . Payment on CD is based on lower amount prior to the correction. -- The Estimated Total Maimum Payment Amount in column of the Disclosed Closing Disclosure Projected Payments Table does not match the value in the System Calculated Projected Payments Table. The Disclosed Projected Payments Table contains a value of (), while the Calculated Projected Payments Table has a value of (). |  | Verified housing payment history - Credit Report p. in file reflects months of satisfactory mortgage history paid .; Verified employment history - Borrower's VVOE p. reflects yrs employment history has been in the same business since | : Received copy of LOE and PCCD with corrected Maimum Payment Amount. Need evidence of delivery to borrower. | : Copy of LOE and PCCD is sufficient; sent via US mail. Eception cleared. | Sold C A |
| 2023010869 | XXX | 906140 | XXX | Compliance | No Real Estate Commission(s) disclosed on final Closing Disclosure for Pur XXX transaction (12 CFR 1026.38(g)(4)) | TRID 0196 | 2 | Acknowledged | No assignee liability. |  | Verified housing payment history - Credit Report p. in file reflects months of satisfactory mortgage history paid .; Verified employment history - Borrower's VVOE p. reflects yrs employment history has been in the same business since |  | EV No assignee liability. - Client: EV No assignee liability. | Sold C B |
| 2023010865 | XXX | 904489 | XXX | Compliance | MortgageDeed of Trust is not Recorded | DEED 0005 | 1 | Closed | DOT in file is unrecorded. Unable to locate language in Closing Instructions directing Closing Agent to record the security instrument. |  | Verified liquid assets andor savings history - Borrower has verified liquid assets in business (# , p.) and personal (# , p.) of (+) remaining after closing. ; Low DTI - Borrower's has been in business for more than years and the calculated DTI is below the maimum threshold. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received evidence from cover letter presented to the DOT that Security Instrument is being sent for recording with Custodian as XXX. The copy provided with cover does not yet reflect final recording information. \*Eception Cleared. | Sold C A |
| 2023010865 | XXX | 904526 | XXX | Credit | Questionable Occupancy | CRED 0015 | 1 | Closed | Hazard Insurance Policy does not cover contents. Additionally, mailing address is PO Bo. |  | Verified liquid assets andor savings history - Borrower has verified liquid assets in business (# , p.) and personal (# , p.) of (+) remaining after closing. ; Low DTI - Borrower's has been in business for more than years and the calculated DTI is below the maimum threshold. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received lender response of: "while no contents coverage can be a red flag for occupancy, the entirety of the loan has to be considered. Contents coverage is not a requirement. Borrower owns no other real estate as evidence on the loan application and the Fraud Guard. <br>\*Eception Cleared. | Sold C A |
| 2023010865 | XXX | 906269 | XXX | Property | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Per Appraisal , Property Type is Rural. Per XXX Classic Guide , Section Ineligible Property Types, Rural Properties are ineligible. Eception noted by Lender . Compensating Factors: DTI < of ma allowed, Years in the line of work years. SUBJECT TO INVESTOR APPROVAL. |  | Verified liquid assets andor savings history - Borrower has verified liquid assets in business (# , p.) and personal (# , p.) of (+) remaining after closing. ; Low DTI - Borrower's has been in business for more than years and the calculated DTI is below the maimum threshold. | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided a copy of non-QM eception tracking for Rural property listing compensating factors of DTI below ma allowed, in business for years, and sufficient reserves. <br>\*\*Eception Remains. Subject to INVESTOR REVIEW <br>| Client: EV Investor approved eception. | Sold C B |
| 2023010859 | XXX | 904199 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 2 | Acknowledged | ABD not provided. Per FACTs pg , Lender has no affiliates. |  | Verified credit history - Fico . points above the minimum required for Grade A+ loan program. ; Verified reserves - Months of liquid reserves. |  | Client: EV Investor acknowledged eception. ABD not provided. Per FACTs pg , Lender has no affiliates. | Sold C B |
| 2023010862 | XXX | 905824 | XXX | Credit | Asset Documentation is Insufficient | CRED 0083 | 1 | Closed | Missing a letter, from non-borrower Winta Andom, confirming access to joint bank accounts that were used to verify sufficient funds to close. |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received letter dated from non-borrowing spouse confirming borrower has full access to joint accounts. Eception cleared. | Sold C A |
| 2023010872 | XXX | 904903 | XXX | Compliance | APN Number is not listed on Security Instrument | COLL 0001 | 1 | Closed | DOT , property description on page identifies property as LOT in Block , but does not include APN. APN on Appraisal and Ta Certificate is R . |  | Verified reserves - Borrower has months of verified reserves after closing when guidelines for "A" Program at LTV require months. Reserves required are (). Borrower has ecess reserves of (-) or months.; Low LTVCLTVHCLTV - Pur XXX transaction for "A" Borrower with FICO at LTV. XXX Classic Guide allows up to LTV for borrowers with + FICO scores. |  | Legal description located in deed. | Sold C A |
| 2023010872 | XXX | 904904 | XXX | Compliance | MortgageDeed of Trust is not Recorded | DEED 0005 | 1 | Closed | DOT located in file is not recorded. Unable to locate Lender Instructions directing title company to record mortgage. |  | Verified reserves - Borrower has months of verified reserves after closing when guidelines for "A" Program at LTV require months. Reserves required are (). Borrower has ecess reserves of (-) or months.; Low LTVCLTVHCLTV - Pur XXX transaction for "A" Borrower with FICO at LTV. XXX Classic Guide allows up to LTV for borrowers with + FICO scores. |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided a copy of the recorded DOT with PUD rider. | Sold C A |
| 2023010872 | XXX | 906759 | XXX | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing loans approval. p. . |  | Verified reserves - Borrower has months of verified reserves after closing when guidelines for "A" Program at LTV require months. Reserves required are (). Borrower has ecess reserves of (-) or months.; Low LTVCLTVHCLTV - Pur XXX transaction for "A" Borrower with FICO at LTV. XXX Classic Guide allows up to LTV for borrowers with + FICO scores. |  | Investor acknowledged | Sold D A |
| 2023010871 | XXX | 904147 | XXX | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Per XXX Achiever Epanded Guide Self-employed Business Bank Statements pg. If borrower is not owner, the file must have a CPA letter or other documentation disclosing ownership interest.<br>Missing evidence of ownership percentage. CPA Letter not provided. State SOS print out indicates borrower holds all eecutive roles in company. |  | Verified reserves - Months of additional liquid reserves. ; Verified credit history - Fico . points above the minimum required for this loan characteristics |  | &nbsp;&nbsp;&nbsp;&nbsp;- lender provided a K statement for to confirm borrower has ownership. \* Eception cleared. | Sold C A |
| 2023010871 | XXX | 904274 | XXX | Credit | Missing Verifiable Months of Income Earnings | CRED 0067 | 1 | Closed | Missing Business Bank statements for the months of September, October and November of . Per guidelines p, Bank statements must be dated within days of initial loan application. |  | Verified reserves - Months of additional liquid reserves. ; Verified credit history - Fico . points above the minimum required for this loan characteristics |  | - Received months noted missing business bank statements. <br>\*Eception cleared. | Sold C A |
| 2023010871 | XXX | 907952 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 2 | Acknowledged | Per guidelines, p Section , Ineligible Property Types - Rural. Correspondent Lender Prior to Pur XXX Review p, Eception request for Rural Property citing the following compensating factors: DTI Less than , k in assets greater than minimum required, same line of work years, at outgoing residence years. SUBJECT TO INVESTOR APPROVAL. |  | Verified reserves - Months of additional liquid reserves. ; Verified credit history - Fico . points above the minimum required for this loan characteristics | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided an internal printout addressing the internal lender eception request dated for the noted Rural property. <br>\*\*Eception remains. Subject to INVESTOR REVIEW AND APPROVAL. | Client: EV Investor approved eception. | Sold C B |
| 2023010870 | XXX | 904827 | XXX | Credit | Potential credit depth risk - Minimum Number of Tradelines is less than 3 | CRED 0098 | 2 | Acknowledged | Neither borrower meets the minimum tradeline requirement. Per XXX guidelines the borrower with the representative credit score must meet the tradeline requirement - in this case that is borrower who has auth user account, inactive account with months reviewed, and a VOR. B has active account open months, one active open months, two inactive accounts and a VOR. Alternative credit is offered for borrower but not borrower , and alternative credit is not an acceptable alternative per guidelines. No eception request to use alternative credit in file. |  | Verified reserves - Per Guidelines Champion Classic . p months required plus additional for LTV above = months required , Borrower has months reserves verified post closing which eceeds the months required per guides.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per Champion guidelines. p |  | Client: EV Investor approved eception. | Sold C B |
| 2023010870 | XXX | 907961 | XXX | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval not in file. p , UW comments p . Cleared per Investor. |  | Verified reserves - Per Guidelines Champion Classic . p months required plus additional for LTV above = months required , Borrower has months reserves verified post closing which eceeds the months required per guides.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per Champion guidelines. p |  | &nbsp;&nbsp;&nbsp;&nbsp;pg. | Sold D A |
| 2023010864 | XXX | 904024 | XXX | Compliance | Missing Home Loan Toolkit | TRID 0133 | 1 | Closed | Missing Home Loan Toolkit |  | Verified reserves - , verified liquid reserves ; Established credit history - mid credit scores; year credit depth, ecellent payment history includes AA mortgages<br>|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lender provided disclosure tracking confirming receipt | Sold C A |
| 2023010864 | XXX | 912129 | XXX | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing lender loan approval or transmittal. |  | Verified reserves - , verified liquid reserves ; Established credit history - mid credit scores; year credit depth, ecellent payment history includes AA mortgages<br>|  | &nbsp;&nbsp;&nbsp;&nbsp;pg . | Sold D A |
| 2023010864 | XXX | 912134 | XXX | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Bank statement income does not qualify using the epense factor. Optional permitted documentation was not found in the file. Per guideline, one of the following two options is acceptable: A signed and dated CPA or ta preparer produced written statement specifying the actual epense ratio of the business (including cost of goods sold and all other business epenses) based on the past month business activity OR a signed and dated CPA or ta preparer produced Month Profit and Loss (P&L) statement:.<br>|  | Verified reserves - , verified liquid reserves ; Established credit history - mid credit scores; year credit depth, ecellent payment history includes AA mortgages<br>| &nbsp;&nbsp;&nbsp;&nbsp;- Received lender rebuttal stating: "Using personal bank statements even though borrowers are self-employed because the statements are personal and not business, of eligible business - related deposits can be utilized as reflected in the eample below.<br>\*\*Eception Remains\*\* Personal bank statements are co-mingled funds. Per guidelines Section (pg.) state personal accounts with evidence of business epenses are considered business accounts and subject to the Business Bank Statement calculation. Bank statements reflect business transactions, thus epenses applied as optional documentation was not provided. See additional new DTI eception | Client: - Received email correspondence from Investor confirming acceptance of Seller eplanation.<br>\*Overridden to EV level. CRED eception addressed as well based on omission of epenses in total income calculation. Final DTI . | Sold C B |
| 2023010864 | XXX | 926483 | XXX | Credit | Back-end Ratio eception (DTI) | CRED 0004 | 2 | Acknowledged | \*NEW\* DTI eceeds ma allowed of for Champion Classic A+. DTI eception a result of omission of epense calculation on - month business bank statement program (see CRED). |  | Verified reserves - , verified liquid reserves ; Established credit history - mid credit scores; year credit depth, ecellent payment history includes AA mortgages<br>|  | Client: - Received email correspondence from Investor confirming acceptance of Seller eplanation. <br>\*Overridden to EV level. CRED eception addressed as well based on omission of epenses in total income calculation. DTI well within guidelines with epenses eliminated. Final DTI . | Sold C B |
| 2023010866 | XXX | 907694 | XXX | Compliance | Loan Disbursement Date is on or before the required Right of Rescission Epiration Date | ROR 0009 | 1 | Closed | Loan funded the same date the rescission epired. |  | Conservative use of credit - Borrower's credit report in file (pg.) reflects revolving credit unitization of .; Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for owner occupied SFR Rate-Term Refinance. | &nbsp;&nbsp;&nbsp;&nbsp;- Received two copies of a Post-Closing issued CD date issued reflecting Disbursement date of . CD <br>\*Eception Remains. Lender to provide Post-Closing issued CD and Updated Settlement Statement and re-opened Rescission with an Letter of eplanation to the borrowers to confirm disclosure was made to the borrower with the corrected figures and funding date of . Loan review is not eligible to clear until after the re-opened rescission has lapsed and PCCD entered for Compliance. No evidence that PCCD has not been presented to Borrower along with LO and re-opened Rescission. <br>- Lender provided a Funding Worksheet dated that reflects funds released and sent date of . <br>\*\*Eception Remains\*\* - Lender to provide Post-Closing issued CD and Updated Settlement Statement and re-opened Rescission with an Letter of eplanation to the borrowers to confirm disclosure was made to the borrower with the corrected figures and funding date of . Loan review is not eligible to clear until after the re-opened rescission has lapsed. | : PCCD with correct funding date clears the eception. | Sold C A |
| 2023010863 | XXX | 907698 | XXX | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 1 | Closed | Missing evidence of PITIA on departure residence that is being retained, XXX |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Verified reserves - Borrower has mths verified reserves wa minimum requirement of (Champion A+ months reserves plus months for LTV >). |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided verification of freeclear, tainsHOA on REO property. | Sold C A |
| 2023010863 | XXX | 907718 | XXX | Credit | Missing Employment doc (VOE) | CRED 0007 | 2 | Acknowledged | Verification of Employment from current contract employer:<br>Covering the most recent two years plus YTD earnings<br>Likelihood of continued contractor status and <br>If contractor is required to pay for any non reimbursed business related epenses. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Verified reserves - Borrower has mths verified reserves wa minimum requirement of (Champion A+ months reserves plus months for LTV >). |  | Client: Investor acknowledged eception based on the following: mths verified reserves, Yrs s supported by mths business bank statements. | Sold C B |
| 2023010858 | XXX | 903965 | XXX | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing paystubs or supporting income documents <br>DTI pending review of missing documents |  | Verified credit history - Fico . points above the minimum required for this loan parameters ; Verified reserves - Months of liquid reserves. | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided a copy of the ytd and prior paystub. <br>\*\*\*Finding Remains. Per XXX Classic Guide , Section ., Hourly and Salary Pay: Primary employment earnings documentation requirements: Year-to-date (YTD) paystub(s) covering a day period; and W- for the most recent calendar year(s); or Written VOE documenting the prior calendar year(s) earnings and the YTD earnings for the most recent calendar year. Lender to provide prior year () W-.<br>Lender provided a copy of the ytd and prior paystub. <br>\*\*\*Finding Remains. Per XXX Classic Guide , Section ., Hourly and Salary Pay: Primary employment earnings documentation requirements: Year-to-date (YTD) paystub(s) covering a day period; and W- for the most recent calendar year(s); or Written VOE documenting the prior calendar year(s) earnings and the YTD earnings for the most recent calendar year. Lender to provide prior year () W-. | &nbsp;&nbsp;&nbsp;&nbsp;- Received copy of borrower , and Ws and this along iwth prior provided paystubs confirmed final income calculation and final DTI calculation. <br>\*Eception cleared. | Sold C A |
| 2023010858 | XXX | 904011 | XXX | Credit | Rental income is being used from an epired lease | CRED 0120 | 1 | Closed | Lease epired, missing etension. Rental income supported with Management documents see page . |  | Verified credit history - Fico . points above the minimum required for this loan parameters ; Verified reserves - Months of liquid reserves. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided two property management notices reflecting etension of lease agreements. \*Eception cleared. | Sold C A |
| 2023010858 | XXX | 904032 | XXX | Credit | Missing Schedule of Real Estate Owned | APP 0005 | 1 | Closed | XXX<br> Missing HOA supporting document. |  | Verified credit history - Fico . points above the minimum required for this loan parameters ; Verified reserves - Months of liquid reserves. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received a Homeowner transaction history from HOA confirming the HOA payment. <br>\*Eception cleared. | Sold C A |
| 2023010858 | XXX | 907071 | XXX | Credit | Back-end Ratio eception (DTI) | CRED 0004 | 1 | Closed | Unable to determine DTI. Income documentation not provided. |  | Verified credit history - Fico . points above the minimum required for this loan parameters ; Verified reserves - Months of liquid reserves. | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided a copy of the ytd and prior paystub. <br>\*\*\*Finding Remains. Per XXX Classic Guide , Section ., Hourly and Salary Pay: Primary employment earnings documentation requirements: Year-to-date (YTD) paystub(s) covering a day period; and W- for the most recent calendar year(s); or Written VOE documenting the prior calendar year(s) earnings and the YTD earnings for the most recent calendar year. Lender to provide prior year () W-.<br>Lender provided a copy of the ytd and prior paystub. <br>\*\*\*Finding Remains. Per XXX Classic Guide , Section ., Hourly and Salary Pay: Primary employment earnings documentation requirements: Year-to-date (YTD) paystub(s) covering a day period; and W- for the most recent calendar year(s); or Written VOE documenting the prior calendar year(s) earnings and the YTD earnings for the most recent calendar year. Lender to provide prior year () W-. | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided prior Ws for prior three years. Income was calculated by review using prior year average which was more conservative then current base salary. This average is more in line with Lender calculated income. Lender previously provided copy of YTD and final paystub for which was also considered. Final income calculation confirmed final Review DTI which is within guidelines. <br>\*Eception cleared. <br>| Sold C A |
| 2023010858 | XXX | 909384 | XXX | Credit | Missing Ta Transcript(s) | CRED 0091 | 1 | Closed | XXX Classic Guide , Section . IRS - C. states: Prior to final approval for all wage earners, and self-employed income sources: The - C must be fully completed and eecuted with the IRS, The ta transcripts must be provided by LenderBrokerClient and must be obtained through - C validation. |  | Verified credit history - Fico . points above the minimum required for this loan parameters ; Verified reserves - Months of liquid reserves. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received Ta Transcript for year .<br>\*Eception cleared. | Sold C A |
| 2023010861 | XXX | 904064 | XXX | Compliance | Missing E-Sign Disclosure | TRID 0134 | 1 | Closed | Missing E-Sign Disclosure |  | Verified employment history - The Work NumberVVOE p. reported Borrower have been in the same line of work years.; Verified credit history - Credit report p. in file reflects Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lender provided accepted e-Sign disclosure. | Sold C A |
| 2023010861 | XXX | 904065 | XXX | Compliance | No proof borrower(s) can receive documents via the electronic method as intended | TRID 0135 | 1 | Closed | Missing E-Sign Disclosure |  | Verified employment history - The Work NumberVVOE p. reported Borrower have been in the same line of work years.; Verified credit history - Credit report p. in file reflects Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lender provided accepted e-Sign disclosure. | Sold C A |
| 2023010861 | XXX | 904070 | XXX | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 1 | Closed | Missing Change of Circumstance form for Loan Estimate pg |  | Verified employment history - The Work NumberVVOE p. reported Borrower have been in the same line of work years.; Verified credit history - Credit report p. in file reflects Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | : Received copy of COC. Eception cleared. | Sold C A |
| 2023010861 | XXX | 904086 | XXX | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | A revised Loan Estimate was provided on (--) via (U.S. Mail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (--). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (--), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (--). (CFR (e)(ii)) |  | Verified employment history - The Work NumberVVOE p. reported Borrower have been in the same line of work years.; Verified credit history - Credit report p. in file reflects Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | : Received copy of e-tracking. Eception cleared. | Sold C A |
| 2023010861 | XXX | 904087 | XXX | Compliance | Initial Closing Disclosure Sent Method Not In Person and No Received Date | TRID 0009 | 1 | Closed | The Initial Closing Disclosure was provided on (--) via (U.S. Mail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (--). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (--), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (), for consummation to occur on (--). (CFR (f)(ii)(A)); (f)(iii)) |  | Verified employment history - The Work NumberVVOE p. reported Borrower have been in the same line of work years.; Verified credit history - Credit report p. in file reflects Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | : Received copy of e-tracking. Eception cleared. | Sold C A |
| 2023010861 | XXX | 905378 | XXX | Property | FNMAFHLMC loan with no secondary valuation to support appraised value | PROP 0019 | 2 | Acknowledged | FNMAFHLMC loan with no secondary valuation to support appraised value UCDPSSR risk over and CDA not in file.<br>CDA ordered |  | Verified employment history - The Work NumberVVOE p. reported Borrower have been in the same line of work years.; Verified credit history - Credit report p. in file reflects Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | Client: : Received CDA supporting value with no variance. EV for post-close cure. | Sold C B |
| 2023010861 | XXX | 905389 | XXX | Credit | Pur XXX Contract is Deficient | CRED 0085 | 1 | Closed | Provide signed Amendment for Closing date on Loan Closed on per CD p. and Note p. Initial Pur XXX contract p. -. Closing December , and Amendment p. changed to February , . |  | Verified employment history - The Work NumberVVOE p. reported Borrower have been in the same line of work years.; Verified credit history - Credit report p. in file reflects Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided a copy of an eecuted Contract Amendment reflecting a changed closing date to . \* Eception cleared. | Sold C A |
| 2023010861 | XXX | 905428 | XXX | Credit | Unacceptable Mortgage History | CRED 0001 | 2 | Acknowledged | Provide proof paid off XXX Mtg # reporting credit p. and p. CD p. not reflecting its paid and listed on p. |  | Verified employment history - The Work NumberVVOE p. reported Borrower have been in the same line of work years.; Verified credit history - Credit report p. in file reflects Borrower has qualifying FICO which eceeds minimum required per guidelines. | - Received response from lender: CD for property at XXX Dr has been provided showing that property was sold. This condition has been discussed with Investor and since property was sold and DTI is low, they advised it would be acceptable. <br>\*INVESTOR TO REVIEW. The CD provided does not reflect the mortgage was paid off and no alternative evidence has been provided.<br>- Lender provided a copy of same CD from original loan file. No proof that XXX Mtg # was paid off was provided. <br>\*\*Eception Remains\*\* Missing proof XXX Mtg # as reported on credit report (pg.) in file has been paid off. Debt is listed on in file (pg.) under the property that sold and reflected on the CD but this debt is not included as a debt paid off on the CD. | Mitigated Risk: - Received the below: ) Real Quest property detail for XXX reflecting owners as XXX and XXX since . ) Appraisal District for XXX for same XXX. property reflecting value assessed and taed on land only (no improvements).) Copy of uneecuted reflecting ownership of same property under REO section d with lien on property to XXX Mtg.<br> \*Eception Overridden to EV status. Revised reflects that XXX Mtg was not paid off but is associated with XXX, a property retained by the borrower. <br> Updated qualifying to include payment and monthly ta assessment. Final DTI calculates to , thus < ma allowed. Override to EV as revised, corrected is not eecuted. | Sold C B |
| 2023010861 | XXX | 905491 | XXX | Credit | Missing Ta Transcript(s) | CRED 0091 | 1 | Closed | -C in file. Ta Transcripts provided post close. Lender eception in file approving p . |  | Verified employment history - The Work NumberVVOE p. reported Borrower have been in the same line of work years.; Verified credit history - Credit report p. in file reflects Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | Ta transcripts in file. - Client: EV Lender acknowledged eception. Transcript in file p received . Loan closed on . | Sold C A B |
| 2023010861 | XXX | 907449 | XXX | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Missing loan approval and transmittal. |  | Verified employment history - The Work NumberVVOE p. reported Borrower have been in the same line of work years.; Verified credit history - Credit report p. in file reflects Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | Loan program determined from data tape. | Sold D A |
| 2023010861 | XXX | 934437 | XXX | Property | Collateral Underwriter was submitted with differing comparable properties than the original appraisal. | APPR 0064 | 1 | Closed |  |  | Verified employment history - The Work NumberVVOE p. reported Borrower have been in the same line of work years.; Verified credit history - Credit report p. in file reflects Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | Data correction (new fields) while entering CDA. | Sold C A |
| 2023010856 | XXX | 905934 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 2 | Acknowledged | Missing Initial Application. Review used initial credit report date of .<br>|  | Verified reserves - Borrowers have months of verified reserves remaining after closing when guidelines required months per the bank statements (pg.); Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for investment SFR rate and term transaction. |  | Client: Investor acknowledge eception- Investment transaction, non-material. | Sold C B |
| 2023010856 | XXX | 907430 | XXX | Credit | Income Calculation Discrepancy | CRED 0084 | 1 | Closed | Borrower prepared P&L reflects a decrease in income for . Reviewer utilized the decreased income which resulted in DTI of vs lender approved . |  | Verified reserves - Borrowers have months of verified reserves remaining after closing when guidelines required months per the bank statements (pg.); Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for investment SFR rate and term transaction. |  | &nbsp;&nbsp;&nbsp;&nbsp;Review DTI variance eceeds but is still within the ma allowed DTI of . | Sold C A |
| 2023010856 | XXX | 944849 | XXX | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing complete copies of the business returns for XXXC and XXX. File only contained the first page of each business ta return.  |  | Verified reserves - Borrowers have months of verified reserves remaining after closing when guidelines required months per the bank statements (pg.); Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for investment SFR rate and term transaction. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received XXXC (-pg doc) and XXX (-pg doc).<br> \*Eception Cleared. | Sold C A |
| 2023010855 | XXX | 905788 | XXX | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Income Documentation is Insufficient - Missing Bank of Acct. Number ending in , for the months of December , September , August , July , June , May , April , March , February and January |  | Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for a Grade A+ Cash-Out Refinance owner occupied - Unit.; Verified reserves - Borrower has months of verified reserves remaining after closing when guidelines required months per the bank statements (pg. ,) and final CD (pg.). |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lender provided all missing months statements for # | Sold C A |
| 2023010857 | XXX | 903944 | XXX | Compliance | Disclosed Finance Charge Must Be >= Actual Finance Charge | TRID 0089 | 1 | Closed | Under-disclosure caused by Title Services Fee of added to Final CD issued (pg.). --<br>The disclosed finance charge (,) is () below the actual finance charge (,). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than below the actual finance charge. (USC Sec. (i); OSC (c)(ii)-). |  | Verified credit history - Borrower's credit report in file p. reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history; Low DTI - DTI is lower than maimum. |  | : Received copy of PCCD with increased lender credit, LOE and copy of check to borrower for , along with Fed E tracking. Confirmed package was delivered on . Eception cleared. | Sold C A |
| 2023010857 | XXX | 903952 | XXX | Compliance | LE or CD is Deficient | TRID 0148 | 2 | Acknowledged | Appraised Value on Final CD issued stated as , . Appraised Value (Page) stated as , . |  | Verified credit history - Borrower's credit report in file p. reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history; Low DTI - DTI is lower than maimum. |  | Client: EV, immaterial. | Sold C B |
| 2023010857 | XXX | 904869 | XXX | Credit | Missing Evidence of Verified Property Ta and or Homeowners Insurance Information | CRED 0103 | 2 | Acknowledged | Per XXX guidelines , p. section , Borrower(s) who own a house free and clear meet the housing history requirements provided there is documentation that the taes and insurance have been paid on time for the last months, based on Credit Grade A+.<br>Verification of months taes and insurance were not attached.<br>|  | Verified credit history - Borrower's credit report in file p. reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history; Low DTI - DTI is lower than maimum. |  | Client: EV Investor approved eception. | Sold C B |
| 2023010857 | XXX | 904872 | XXX | Credit | Missing Schedule of Real Estate Owned | APP 0005 | 2 | Acknowledged | Per LOE p. , the borrower own properties located at and free and clear. The property insurance documents were not attached. |  | Verified credit history - Borrower's credit report in file p. reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history; Low DTI - DTI is lower than maimum. |  | Client: EV Investor approved eception. | Sold C B |
| 2023010857 | XXX | 919787 | XXX | Compliance | ROR cannot epire in less than 3 business days from the eecution or transaction date | ROR 0012 | 1 | Closed | NEW based on post-close cure of under-disclosed finance charge. Rescindable loan requires re-opening of ROR with this type of finance charge cure. |  | Verified credit history - Borrower's credit report in file p. reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history; Low DTI - DTI is lower than maimum. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received evidence of re-opened Rescission with borrower eecuting on and the noted epiration of re-opened rescission period being . \*Eception cleared. | Sold C A |
| 2023010867 | XXX | 908600 | XXX | Property | XXX Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Appraisal does not contain affirming that it was prepared in accordance with Title I of XXX and any implementing regulations as required for XXXs. |  | Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for a owner occupied SFR pur XXX transaction.; Established credit history - Borrower has an established credit history since . |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received revised appraisal reflecting that report was prepared in accordance with the Title I of XXX and any implementing regulations as required for XXXs. on pg. . <br>\*Eception cleared. | Sold C A |
| 2023010867 | XXX | 908601 | XXX | Compliance | XXX Loan | COMP 0016 | 1 | Closed | Non-compliant XXX due to Appraisal not meeting requirements. --<br> The loan's () APR equals or eceeds the XXX threshold of (). The threshold is determined by adding points to the comparable average prime offer rate inde on the "last date the interest rate is set before consummation." The comparable APOR for this loan is ().(CFR (a)(i)).<br>Compliant state XXX. --<br> This is a Higher-Priced Mortgage Loan (XXX). The loan's APR of () equals or eceeds the XXX threshold of (). The threshold is determined by adding points to the comparable average prime offer rate inde on the last date the interest rate is set before consummation. The comparable APOR for this loan is ().(Cal. Fin. Code (a); CFR (a)(i)). |  | Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for a owner occupied SFR pur XXX transaction.; Established credit history - Borrower has an established credit history since . |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received revised appraisal reflecting that report was prepared in accordance with the Title I of XXX and any implementing regulations as required for XXXs. on pg. . <br>\*Eception cleared. | Sold C A |
| 2023010867 | XXX | 929561 | XXX | Credit | Missing work visa for non-permanent resident alien. | CRED 0123 | 2 | Acknowledged | File contains evidence of ITIN IRS renewal in file (pg.). |  | Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for a owner occupied SFR pur XXX transaction.; Established credit history - Borrower has an established credit history since . |  | Mitigated Risk: Reported for Informational purposes ITIN. | Sold C B |
| 2023010854 | XXX | 906967 | XXX | Credit | Missing Underwriter Loan Approval | APRV 0001 | 1 | Closed | Loan approval not in file. pg. . |  | Verified credit history - Credit report () and in file reflects months of satisfactory mortgage history paid . ; Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for a owner occupied SFR cash out transaction. |  | &nbsp;&nbsp;&nbsp;&nbsp;Cleared per investor. | Sold D A |
| 2023010848 | XXX | 905060 | XXX | Credit | Missing Final 1003 Application | APP 0001 | 1 | Closed | The final is incomplete. Section , REO schedule does not reflect all lendersbalancespayments that are reported in the credit report, p . The final is not eecuted by the lender or borrower. |  | Minimal outstanding debt - Refer to the credit report, pg. . borrower demonstrates a strong credit history with minimal oustanding debt.; Verified reserves - Reserves verified with cash out proceeds are months, the guideline requires months. |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lender provided final | Sold D A |
| 2023010848 | XXX | 910492 | XXX | Credit | Missing proof of PITI payment on non-subject property | CRED 0096 | 2 | Acknowledged | \*\*New\*\* Lender provided final ; however REO schedule Section is not complete. Mortgages reporting on credit report (p of original file) are not address on or assigned to an REO. |  | Minimal outstanding debt - Refer to the credit report, pg. . borrower demonstrates a strong credit history with minimal oustanding debt.; Verified reserves - Reserves verified with cash out proceeds are months, the guideline requires months. |  | Mitigated Risk: - Received revised uneecuted - page with Equity Lines reflected. <br>\*Eception Overridden to EV status based on uneecuted final . | Sold C B |
| 2023010852 | XXX | 906480 | XXX | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 1 | Closed | Missing COC for LE issued . Rate was locked. COC's in file are all dated , after this LE. |  | Verified reserves - XXX Achiever Epanded . p months reserve required, plus for over LTV . Borrower has reserves verified post close which eceeds the guideline requirement.; Verified credit history - XXX Achiever Epanded p has minimum fico , borrower fico which eceeds minimum requirement | : Received copy of COC dated for rate lock. Rate was locked on LE issued . Missing LE for COC dated . <br>: Received copy of COC dated for rate lock. Rate was locked on LE issued . Missing LE for COC dated . | &nbsp;&nbsp;&nbsp;&nbsp;- Received a COC dated reflecting a rate lock. Eception Cleared. | Sold C A |
| 2023010852 | XXX | 906490 | XXX | Compliance | XXX Loan | COMP 0016 | 1 | Closed | Non-compliant XXX due to Appraisal not meeting requirements. --<br>The loan's () APR equals or eceeds the XXX threshold of (). The threshold is determined by adding points to the comparable average prime offer rate inde on the "last date the interest rate is set before consummation." The comparable APOR for this loan is ().(CFR (a)(i)).<br>Compliant state XXX. --<br>This is a Higher-Priced Mortgage Loan (XXX). The loan's APR of () equals or eceeds the XXX threshold of (). The threshold is determined by adding points to the comparable average prime offer rate inde on the last date the interest rate is set before consummation. The comparable APOR for this loan is ().(Cal. Fin. Code (a); CFR (a)(i)) |  | Verified reserves - XXX Achiever Epanded . p months reserve required, plus for over LTV . Borrower has reserves verified post close which eceeds the guideline requirement.; Verified credit history - XXX Achiever Epanded p has minimum fico , borrower fico which eceeds minimum requirement |  | : Appraisal contains XXX . Eception cleared. | Sold C A |
| 2023010852 | XXX | 909187 | XXX | Property | XXX Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Appraisal does not contain affirming that it was prepared in accordance with Title I of XXX and any implementing regulations as required for XXXs. |  | Verified reserves - XXX Achiever Epanded . p months reserve required, plus for over LTV . Borrower has reserves verified post close which eceeds the guideline requirement.; Verified credit history - XXX Achiever Epanded p has minimum fico , borrower fico which eceeds minimum requirement |  | : Appraisal contains XXX . Eception cleared. | Sold C A |
| 2023010851 | XXX | 906779 | XXX | Credit | Missing Ta Transcript(s) | CRED 0091 | 1 | Closed | Ta transcripts not provided in the file. Per XXX guidelines ., transcripts are required for all full documentation loans. |  | Verified reserves - Verified reserves are months, guideline calls for an accumulative total of months.; Minimal outstanding debt - The borrower demonstrates the ability to manage debt and has very little outstanding debt refer to credit pg. . |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided and ta transcripts. <br>\* Eception cleared. | Sold C A |
| 2023010851 | XXX | 906938 | XXX | Credit | Asset Documentation is Insufficient | CRED 0083 | 1 | Closed | A joint access letter from non-borrowing spouse is needed to verify the borrower has access to brokerage funds in XXX and XXX as required per XXX Classic Guide ... |  | Verified reserves - Verified reserves are months, guideline calls for an accumulative total of months.; Minimal outstanding debt - The borrower demonstrates the ability to manage debt and has very little outstanding debt refer to credit pg. . |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided a snip from a guideline regarding Spousal accounts. It was not the correct guideline used for the subject loan transaction; however the subject loan guideline reflects evidence of Spousal Accounts (section ., pg.). Two accounts are joint, thus guideline states: Spousal accounts are considered as borrower own funds. \* Eception cleared. | Sold C A |
| 2023010850 | XXX | 906702 | XXX | Compliance | XXX Loan | COMP 0016 | 1 | Closed | Non-compliant XXX due to Appraisal not meeting requirements. --<br>The loan's () APR equals or eceeds the XXX threshold of (). The threshold is determined by adding points to the comparable average prime offer rate inde on the "last date the interest rate is set before consummation." The comparable APOR for this loan is ().(CFR (a)(i)). |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Established credit history - Borrower's credit report in file (pg.) reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received a copy of amended appraisal with added dated stating the appraisal was performed in accordance with the requirement of Title I of XXX (pg. of provided documentation). <br>\*\*Eception cleared. | Sold C A |
| 2023010850 | XXX | 907259 | XXX | Compliance | MortgageDeed of Trust is not Recorded | DEED 0005 | 2 | Acknowledged | DOT not recorded. Unable to locate lender instructions in file directing title agent to record the security instrument. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Established credit history - Borrower's credit report in file (pg.) reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history |  | Client: EV Investor Acknowledged Eception for missing Closing Instructions | Sold C B |
| 2023010850 | XXX | 907324 | XXX | Credit | Asset Documentation is Insufficient | CRED 0083 | 1 | Closed | If assets from business account are to be utilized as assets to close then letter from partner of Pro Source Granite, is required. Verification that borrower has at least two months of own funds for reserve calculation. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Established credit history - Borrower's credit report in file (pg.) reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided a copy of the LOE for full access to business funds. | Sold C A |
| 2023010850 | XXX | 911465 | XXX | Property | XXX Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Appraisal does not contain affirming that it was prepared in accordance with Title I of XXX and any implementing regulations as required for XXXs. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Established credit history - Borrower's credit report in file (pg.) reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received a copy of amended appraisal with added dated stating the appraisal was performed in accordance with the requirement of Title I of XXX (pg. of provided documentation). <br>\*\*Eception cleared. | Sold C A |
| 2023010849 | XXX | 907120 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Affiliated Business Disclosure no provided. FACTS disclosure p, does not list affiliate names. |  |  |  | Verified affiliate is not paid or used on transaction. ABD not required. | Sold C A |
| 2023010849 | XXX | 907179 | XXX | Compliance | Estimated Total MinimumMaimum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 2 | Acknowledged | Final CD (pg.) discloses monthly escrow of , and estimated total escrow of , based on partial escrow of property taes and full escrow of Insurance. Initial Escrow Disclosure (pg.) shows escrowed for county ta of , per quarter and annual insurance premium of , . This equates to , per month, which does not match CD amount of , . Ta amount on Initial Escrow Disclosure is wrong per ta information sheet on pg. showing county ta at , per quarter. Along with Insurance, the correct monthly escrow should be , . The total estimated escrow on the CD of , is also wrong. Should be , based on county ta of , per quarter, city ta of per quarter and annual insurance premium of , . -- <br>The Estimated Total Maimum Payment Amount in column of the Disclosed Closing Disclosure Projected Payments Table does not match the value in the System Calculated Projected Payments Table. The Disclosed Projected Payments Table contains a value of (), while the Calculated Projected Payments Table has a value of ().<br>The Estimated Total Maimum Payment Amount in column of the Disclosed Closing Disclosure Projected Payments Table does not match the value in the System Calculated Projected Payments Table. The Disclosed Projected Payments Table contains a value of (), while the Calculated Projected Payments Table has a value of (). |  |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received a copy of URAR appraisal on subject property. Not related to the subject eception TRID . No eception cleared.<br>\*\*Eception Remains\*\* See additional lender comments dated and <br>: Received copy of CD issued with different escrow amount than CD on page of file, also issued on Need clarification on sequence of different CDs issued on same date. This will not resolve the eception as the final CD issued on (page) has the escrow variance causing this eception. <br>Also received copy of Initial Escrow Account Disclosure dated that differs from Initial Escrow Account Disclosure in file (page) also dated Need eplanation for discrepancy between these disclosures, both purportedly signed by borrower at closing. <br>: Received copy of CD issued with different escrow amount than CD on page of file, also issued on Need clarification on sequence of different CDs issued on same date. This will not resolve the eception as the final CD issued on (page) has the escrow variance causing this eception. <br>Also received copy of Initial Escrow Account Disclosure dated that differs from Initial Escrow Account Disclosure in file (page) also dated Need eplanation for discrepancy between these disclosures, both purportedly signed by borrower at closing. <br>| : Received copy of LOE and PCCD with monthly escrow increased slightly to include taes on nd parcel. Amount disclosed on CD is over-disclosed as compared to IEAD, which is acceptable. Eception cleared. - Client: : Received copy of LOE and PCCD with monthly escrow increased slightly to include taes on nd parcel. Amount disclosed on CD is over-disclosed as compared to IEAD, which is acceptable. EV for post-close cure. | Sold C B |
| 2023010849 | XXX | 907527 | XXX | Property | Subject Borrower does not match Appraisal Borrower Name | APPR 0009 | 1 | Closed | Borrower is XXX, appraisal lists XXX and XXX pg. . |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received amended Appraisal # reflecting only the borrower name as the Borrower on page one. \*Eception cleared. | Sold C A |
| 2023010849 | XXX | 907670 | XXX | Credit | Missing Evidence of Verified Property Ta and or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Other REO XXX. , need to confirm the hazard insurance epense. |  |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lender provided copy of subject property HOI policy<br>\*\*Finding remains\*\* Missing verification of HOI liability on non-subject property XXX. | &nbsp;&nbsp;&nbsp;&nbsp;Eception made in error. Taes and Insurance are escrowed. | Sold C A |
| 2023010849 | XXX | 917005 | XXX | Compliance | No Real Estate Commission(s) disclosed on final Closing Disclosure for Pur XXX transaction (12 CFR 1026.38(g)(4)) | TRID 0196 | 2 | Acknowledged | Real Estate Commission(s) not disclosed on final Closing Disclosure |  |  |  | EV No assignee liability. - Client: EV No assignee liability. | Sold C B |
| 2023010853 | XXX | 906697 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 2 | Acknowledged | Affiliated Business Disclosure not provided in file. FACTS disclosure p does not state if lender has affiliates. |  | Verified credit history - XXX CC . p has minimum fico requirement at , borrower has FICO which eceeds the guideline requirement.; Low DTI - XXX CC p shows ma DTI is , borrower verified DTI is which is below the guideline ma. |  | Client: EV - Blanket notice provided stating one affiliate for XXX . Verified affiliate is not paid or used on transaction. | Sold C B |
| 2023010899 | XXX | 908289 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Affiliated Business Disclosure not provided in file. FACTS disclosure p does not indicate if lender has affiliates. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Low LTVCLTVHCLTV - Transaction closed at LTV which is more than below allowable LTV per programXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received eSigned letter dated from originator stating they have no affiliated business arrangement with any of the parties to the transaction. | Sold C A |
| 2023010899 | XXX | 910112 | XXX | Property | Missing Copy of Original Appraisal report | APPR 0001 | 1 | Closed | Original Appraisal not provided in loan file. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Low LTVCLTVHCLTV - Transaction closed at LTV which is more than below allowable LTV per programXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;Received appraisal. | Sold D A |
| 2023010899 | XXX | 910115 | XXX | Compliance | No evidence lender provided copies of written appraisals | ECOA 0003 | 1 | Closed | Evidence lender provided copies of written appraisals is not provided in file. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Low LTVCLTVHCLTV - Transaction closed at LTV which is more than below allowable LTV per programXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received copy of attorney in fact eecuted letter confirming receipt of appraisal. \* Eception Cleared.. | Sold C A |
| 2023010899 | XXX | 910271 | XXX | Credit | Asset Documentation is Insufficient | CRED 0083 | 1 | Closed | Per CD (p) gift funds paid directly to title and not to borrower. Wire confirmation not provided in file to match source of funds to gift letter. Also, per guidelines section For use of business funds, a letter from CPA or borrower must be obtained stating use of funds will not have a negative t on the business. Business funds are needed in transaction to support sufficient required reserves. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Low LTVCLTVHCLTV - Transaction closed at LTV which is more than below allowable LTV per programXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received copy of wire confirmation of K to escrow and eSigned CPA letter dated (post closing) to confirm that borrower has use of funds in XXX business account ending in # . Lender included a Docusign confirmation for the CPA. \* Eception Cleared. | Sold C A |
| 2023010968 | XXX | 920730 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Affiliated Business Disclosure not provided. FACTS Disclosure pg does not list affiliate names. Unable to determine if affiliates are present or paid on transaction. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. |  | : Lender confirmed they have no affiliates. Eception cleared. | Sold C A |
| 2023010968 | XXX | 921407 | XXX | Compliance | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 1 | Closed | Missing evidence that the current insurance premium has been paid in full. The bill p reflects a balance due on the current policy of , payment due date on , with paid. The final CD reflects only , paid. The Initial Escrow Account Disclosure Statement (p) reflects a payment will be sent on for the renewal policy, missing evidence the remaining , for the current policy has been paid. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided page document confirming payment date of in amount of with being due Final CD in file reflects this same amount of was paid. <br>\*Eception cleared\* | Sold C A |
| 2023010968 | XXX | 921466 | XXX | Credit | Title Policy - Schedule B Eception | TITL 0014 | 1 | Closed | Missing details of Variance Agreement (Eception # to schedule B, see p) or supplementconfirmation it has been released. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided a copy of Variance Agreement. <br>\*Eception Cleared. | Sold C A |
| 2023010961 | XXX | 918903 | XXX | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 1 | Closed | Loan Disbursement Date and Interest From on HUD do not match. |  | Verified reserves - Per NQM Investor Program - assetsReserves- months required plus month for additional financed prop (PR) Lending Guide - . p- reserves required borrower has months reserves verified post close which eceeds what the guidelines require.; Verified credit history - Per NQM Investor Program - is the minimum fico allowed per loan details, borrower has as fico |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received lender response of: "Interest from date and Disbursement Date will not always match. This can be attributed to a number of factorsscenarios such as being a wet state, delay in wiring or delay in recording. Attached is the final ALTA from the Settlement Agent supporting the dates on the CD as correct. <br>\*Eception cleared. Only one day difference in Interest start date vs. FundingDisbursement. | Sold C A |
| 2023010963 | XXX | 921012 | XXX | Compliance | MortgageDeed of Trust is not Recorded | DEED 0005 | 2 | Acknowledged | Closing instructions directing title company to record the security instrument are not provided in file. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required at per guidelines.; Verified reserves - Borrower has months reserves post-closing which eceeds mnths required perXXX. |  | Client: EV - lender acknowledged eception | Sold C B |
| 2023010963 | XXX | 921477 | XXX | Compliance | Last Loan Estimate Sent Method Not In Person and No Received Date | TRID 0023 | 1 | Closed | Missing evidence of deliveryreceipt of last LE issued on Used US mail method.<br>A revised Loan Estimate was provided on (--) via (U.S. Mail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (--). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (--), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (--). (CFR (e)(ii)) |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required at per guidelines.; Verified reserves - Borrower has months reserves post-closing which eceeds mnths required perXXX. |  | : Received copy of LE issued with e-signature on Eception cleared. | Sold C A |
| 2023010966 | XXX | 922027 | XXX | Credit | Missing Letter of Eplanation | CRED 0104 | 1 | Closed | Per NQM Lending Guide, , Section . Forbearance (p), Borrower Attestation is required to address circumstances of forbearance. Per Deferral Agreement (p), XXX Account # , seven payments deferred ending which is less than year seasoning. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received response from lender of: "Please clear, the file contains a Covid- Attestation signed by the borrower, the credit report shows on time payments, Deferment docs in file. <br>\*Eception Cleared. Attestation provided in page document (pg. deferral agrement pg.) | Sold C A |
| 2023010966 | XXX | 922111 | XXX | Credit | Back-end Ratio eception (DTI) | CRED 0004 | 2 | Acknowledged | \*UPDATED\* - DTI updated to which eceeds ma allowed. Deposits in account determined for borrower business income for XXX . Amount calculated at after necessary deductions of deposits. Additional SSI for total . No additional income determined for XXX. from the co-mingled bank statements. <br>Per NQM Retail Bank Statement Program, Program Qualifications , maimum DTI is for a Cash-out Refinance. Calculated DTI is . DTI calculated with total income of , which is of SSI income and mo for Mass Mutual (average monthly deposits epenses as borrower does not maintain separate business account). <br>DTI eception resulting from income calculation for Borrower Bank Statement Program. Per NQM Retail Bank Statement guides, page , a reasonable determination must be made that deposits into personal account come from business source. Review uses only direct deposit from primary self-employment with Mass Mutual. Bank Statements (p -) are from joint personal account and third party is not a borrower on loan. Unable to determine deposits other than direct deposits are for business use for Applicant, or Co-Applicant sources. Secondary self-employment with XXX does not show any deposits that can be traced to that as an income source. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. | &nbsp;&nbsp;&nbsp;&nbsp;- Received a page document and response from lender of: please clear the pending defect as the deposit descriptions shown on the banks statements label as XXX and XXX are one and the same. Both support business income related deposits from Mas Mutual as outlined in the comp package found on page of the bundle. As such, they should be considered as eligible deposits for alternative income qualifications. Mass Mutual comp plan on pages - of the bundle, bank statements found on pages - of the bundle. Additionally consider that the underwriter did evaluate the income according to guidelines for comingled accounts thus clearing concerns listed in the conditions. <br> \*Eception Remains. DTI updated to which eceeds ma allowed. Deposits in account determined for borrower business income for XXX . Amount calculated at after necessary deductions of deposits. Additional SSI for total . No additional income determined for XXX. from the co-mingled bank statements. <br>- Received response from lender of: "Please clear, the file contains a Covid- Attestation signed by the borrower, the credit report shows on time payments, Deferment docs in file. <br> \*Eception Remains. Lender did provide Attestation in page document (pg.) and deferral agreement ; however, DTI eception resulting from income calculation for Borrower Bank Statement Program. Per NQM Retail Bank Statement guides, page , a reasonable determination must be made that deposits into personal account come from business source. Review uses only direct deposit from primary self-employment with Mass Mutual. Bank Statements (p -) are from joint personal account and third party is not a borrower on loan. Unable to determine deposits other than direct deposits are for business use for Applicant, or Co-Applicant sources. Secondary self-employment with XXX does not show any deposits that can be traced to that as an income source. <br> \*\*Finding remains\*\* Unable to grant permissible use of deposits into bank statement due to non-borrowing party on account. Only direct deposits from Mass Mutual can be traced to business income source. Additional deposits used in lender qualification need verification they are business related to borrower, and not third party as these deposits are not verifiable. | Mitigated Risk: - Received a - page document and response from lender of: ) please clear listed defect as income via bank deposits was re-evaluated. Income now evaluates SSI and deposits. ) a CPA letter was also obtained to support the borrower's epense ratios. The letter confirms the ratio is .) Income is now noted as base and SSI as (+ = month) bank statement calculation sheet and CPA letter attached. <br>The CPA letter provided (pg.) is dated post closing on . Lender provided updated uneecuted . <br>\*Eception Overridden to EV level due to post-closing presented CPA and updated uneecuted | Sold C B |
| 2023010966 | XXX | 922668 | XXX | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 1 | Closed | Missing valid COC for both LEs issued on . COC on page does not describe any changed circumstance. No fee tolerance violation with these LEs.<br>Missing valid COC for LE issued COC on page does not describe any changed circumstance. No fee tolerance violation with this LE. <br>Missing valid COC for LE issued COC on page does not describe any changed circumstance. Loan Discount fee increased and remains out of tolerance. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. | ; seller comment: Please clear these defects, CFPB guidelines state that the COC is not required, and LE notes a change of circumstances are due to the loan being re-priced.<br>\*\*\*Finding remains. Eception TRID cites the specific regulation under which certain fees may not increase without a valid change of circumstances. | Further review verifies that the general credit was increased on says LE as the Loan Discount Fee increased, and for same amount. The amount of increase remained as the General Credit on final CD. Other part of General Credit was changed to specific credits. Eception cleared. | Sold C A |
| 2023010966 | XXX | 922710 | XXX | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan EstimateClosing Disclosure | TRID 0195 | 1 | Closed | Missing valid COC for increase in Loan Discount, increased from to on LE issued <br>The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on --: Loan Discount. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (CFR (e); CFR (e); CFR (f)(v)). |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. | ; seller comment: The LE dated notes a change in the circumstances are due to the loan being re-priced on and issued to the borrower the same day. <br>\*\*\*Finding remains. Eception comment cites the specific regulation under which certain fees may not increase without a valid change of circumstances. | Further review verifies that the general credit was increased on says LE as the Loan Discount Fee increased, and for same amount. The amount of increase remained as the General Credit on final CD. Other part of General Credit was changed to specific credits. Eception cleared. | Sold C A |
| 2023010966 | XXX | 922776 | XXX | Credit | Missing Employment doc (VVOE) | CRED 0006 | 1 | Closed | Verification of self-employment with XXX is not provided in file ecept verbal verification noted p . No business license or CPA letter provided in file. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received response from lender of: CPA letter provided to support a completed VOE. <br>\*Eception cleared. Lender provided a page document and included is a CPA letter dated and lender Verbal VOE dated to reverify business eistence with CPA. | Sold C A |
| 2023010966 | XXX | 922822 | XXX | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Borrower does not maintain separate business account statement. Bank Statements used for qualification (p -) are from joint account with a non-borrowing party. Per NQM Retail Bank Statement guides, page , a reasonable determination must be made that deposits into personal account come from business source. Unable to determine deposits other than direct deposits are for business use for Applicant, or from Co-Applicant sources. Lender uses of deposits, though eligibility is not documented for all other deposits outside of Mass Mutual direct deposits and are therefore, not eligible for income qualification. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. | &nbsp;&nbsp;&nbsp;&nbsp;- Received a page document and response from lender of: please clear the pending defect as the deposit descriptions shown on the banks statements label as XXX and XXX are one and the same. Both support business income related deposits from Mas Mutual as outlined in the comp package found on page of the bundle. As such, they should be considered as eligible deposits for alternative income qualifications. Mass Mutual comp plan on pages - of the bundle, bank statements found on pages - of the bundle. Additionally consider that the underwriter did evaluate the income according to guidelines for comingled accounts thus clearing concerns listed in the conditions. <br> \*Eception Remains. Deposits in account determined for borrower business income for XXX . Amount calculated at after necessary deductions of deposits. Additional SSI for total . No additional income determined for XXX. from the co-mingled bank statements. <br>- Received response from lender of: "Please clear, the loan meets the Comingling bank account guidelines found in Bank Statement Guidelines. The Underwriter evaluated the deposits on a flat epense factor as suggested in the guidelines. Lender attached a snip of a guideline. <br> \*\*Finding remains\*\* Unable to grant permissible use of deposits into bank statement due to non-borrowing party on account. Only direct deposits from Mass Mutual can be traced to business income source. Additional deposits used in lender qualification need verification they are business related to borrower, and not third party as these deposits are not verifiable. | Mitigated Risk: - Received a - page document and response from lender of:) please clear the pending defect as the bank statements were evaluated based on the comingled bank accounts guideline. CPA letter provided to support the current business epenses.) additionally, deposits listed on the bank statements as XXX Mutual and MMLISI Caesar are business income deposits for XXX Wehr. This is confirmed via the compensation package found in the bundle on pg. . Bank statements also support SSA income for XXX Wehr. All other deposits have been ecluded from the calculation per guidelines. <br> The CPA letter provided (pg.) is dated post closing on . Lender provided updated uneecuted . <br> \*Eception Overridden to EV level due to post-closing presented CPA and updated uneecuted  | Sold C B |
| 2023010962 | XXX | 922271 | XXX | Compliance | Missing Legal Description on MortgageDOT | DEED 0021 | 1 | Closed | Mortgage (p and) references Legal Description on Ehibit A attached to the document that is not provided in file. |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received Lender rebuttal stating: Please see attached DOT with legal description "Ehibit A" for review. This document was provided in the original bundle (pgs. -). We ask that you clear condition. Attached is full DOT with Condo and Legal attached.<br>\*Eception cleared. | Sold C A |
| 2023010962 | XXX | 922330 | XXX | Compliance | APN Number andor Legal Descriptions do not match security instrument | COLL 0002 | 2 | Acknowledged | APN on Appraisal does not match Title or Mortgage . Property is new construction. Lender's Processor sent email to Title Company and Appraiser, but was unable to resolve the issue. Appraiser addresses the discrepancy in the Supplemental Addendum (p,) and states the Client's information is incorrect. |  |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received Lender rebuttal stating: Please waive condition. All APN are correct. Property is new construction, the DOT and Title commitment both reference the two APN #'s for the current year of as stated on the email confirmation from Title validating this information and previously provided on pg. . APN # - - will be valid for the ta year. Included is a clip of information from Appraisal and title but they do not agree. <br>\*\*Eception Remains \*\* INVESTOR TO REVIEW. | Client: EV Investor acknowledged eception. | Sold C B |
| 2023010962 | XXX | 922405 | XXX | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 1 | Closed | Loan Disbursement Date on Final CD (p) is . Prepaid Interest is collected from . -- <br> Under the , a Lender may not begin to accrue interest on a loan secured by - unit dwelling on real property located in prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code). |  |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received Lender rebuttal stating: Please clear defect the prepaid interest date is the date the loan funded, the disbursement date is the date the closing agent actually disburses. <br>| : Eception cleared. Per-diem start date of is a Friday, which is business day prior to disbursement date of , the following Monday. | Sold C A |
| 2023010962 | XXX | 922406 | XXX | Compliance | Missing evidence of the Seller Closing Disclosure | TRID 0193 | 2 | Acknowledged | Seller Closing Disclosure not provided in file. |  |  |  | Client: EV - Seller acknowledged eception. No assignee liability. | Sold C B |
| 2023010893 | XXX | 922528 | XXX | Compliance | Estimated Property Costs over Year 1 Are Not Accurate | TRID 0204 | 1 | Closed | Monthly taes, Insurance, and HOA are mo or . Final CD p discloses Yr property costs as , or a difference of , . |  | Low LTVCLTVHCLTV - Subject LTV of is > lower than ma allowable for A+ grade on Asset Utilization. ; Verified credit history - Borrower has qualifying fico which eceeds minimum required for program and has mo satisfactory mortgage history reporting. |  | : CD disclosed months. Eception cleared. | Sold C A |
| 2023010893 | XXX | 924253 | XXX | Credit | Missing Evidence of Verified Property Ta and or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Property taes used by lender iao mo are not documented. Property is a new build and ta cert in file is for unimproved land value. Verification of new assessed value and taing millage rates needed to support property taes. Subject to reverification of DTI and Compliance resubmission. |  | Low LTVCLTVHCLTV - Subject LTV of is > lower than ma allowable for A+ grade on Asset Utilization. ; Verified credit history - Borrower has qualifying fico which eceeds minimum required for program and has mo satisfactory mortgage history reporting. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received response from Lender that current ta bill provided with mil rate of and pur XXX price of , supports taes of . <br> \*Eception Cleared. Ta certificate in file reflects ta year for Residential property issued on . XXX rate is . | Sold C A |
| 2023010893 | XXX | 924910 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing Affiliated Business Disclosure. FACTS Disclosure is on pg . |  | Low LTVCLTVHCLTV - Subject LTV of is > lower than ma allowable for A+ grade on Asset Utilization. ; Verified credit history - Borrower has qualifying fico which eceeds minimum required for program and has mo satisfactory mortgage history reporting. |  | Lender has one known affiliate; not used for services at closing. ABD not required. | Sold C A |
| 2023010892 | XXX | 923236 | XXX | Compliance | MortgageDeed of Trust is not Recorded | DEED 0005 | 2 | Acknowledged | DOT is not recorded. Closing instructions directing agent to record the security instrument are not provided in file. |  | Verified credit history - Borrower has qualifying FICO which eceeds required per guidelines.; Minimal outstanding debt - Per the borrower's credit report in file (pg.), there is an established credit history since with evidence of multiple revolving and installment account history with all paid . Borrower's have minimal outstanding revolving debt and one openactive installment loan also supporting conservative credit use. |  | Client: EV Investor Acknowledged Eception | Sold C B |
| 2023010892 | XXX | 923363 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 2 | Acknowledged | Per XXX Classic Guide , Section Employment Requirements, two year history of self employment is required. Business license (p) and CPA letter (p) verified employment for months which does not meet yr history. |  | Verified credit history - Borrower has qualifying FICO which eceeds required per guidelines.; Minimal outstanding debt - Per the borrower's credit report in file (pg.), there is an established credit history since with evidence of multiple revolving and installment account history with all paid . Borrower's have minimal outstanding revolving debt and one openactive installment loan also supporting conservative credit use. |  | Client: EV Investor approved eception. Borrower previously owned another business in same industry. | Sold C B |
| 2023010892 | XXX | 924906 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing Affiliated Business Disclosure. FACTS Disclosure is on pg . |  | Verified credit history - Borrower has qualifying FICO which eceeds required per guidelines.; Minimal outstanding debt - Per the borrower's credit report in file (pg.), there is an established credit history since with evidence of multiple revolving and installment account history with all paid . Borrower's have minimal outstanding revolving debt and one openactive installment loan also supporting conservative credit use. |  | Known affiliate not used for services. ABD not required. | Sold C A |
| 2023010891 | XXX | 926077 | XXX | Compliance | Missing evidence of the Seller HUD1 | HUD 0027 | 1 | Closed | Seller Closing Disclosure andor settlement statement is not provided in file. |  | Verified reserves - Borrowers have months of verified reserves when guideline section . (pg.) total required months PITIA of Subject property. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received copy of Seller CD dated reflecting Borrower last name and Seller last name as the same (non-arms length transaction, Father selling to son per documents in file). Cash to Seller is , . \*Eception cleared. | Sold C A |
| 2023010891 | XXX | 926079 | XXX | Credit | Pur XXX Contract is Deficient | CRED 0085 | 1 | Closed | Addendum for Closing Date not provided in file. Contract pg. shows Closing deadline by and actual settlement is . |  | Verified reserves - Borrowers have months of verified reserves when guideline section . (pg.) total required months PITIA of Subject property. | &nbsp;&nbsp;&nbsp;&nbsp;Received copy of seller CD<br>\*\*FINDING REMAINS\*\* Seller CD previously provided and does not address contract addendum needed for settlement etension. | &nbsp;&nbsp;&nbsp;&nbsp;- Received copy of eecuted addendum to contract etending closing date to \*Eception Cleared. - Client: Investor Acknowledged Eception- Addendum etending settlement date is non-material. | Sold C A |
| 2023010891 | XXX | 926082 | XXX | Compliance | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 1 | Closed | Loan is not escrowed and verification of payment of homeowner's insurance premium is not provided in file. |  | Verified reserves - Borrowers have months of verified reserves when guideline section . (pg.) total required months PITIA of Subject property. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received copy of final borrower CD reflecting HOI insurance premium paid (pg.) section F of CD. Also, policy invoice included under a separate document. <br>\*Eception Cleared. | Sold C A |
| 2023010891 | XXX | 926226 | XXX | Credit | Non-Arms Length Transaction | CRED 0026 | 1 | Closed | Guideline section pg., appraiser to be notified any Non-Arm's Length transaction. Appraisal in file pg. indicates sale is arms-length. Need appraisal addendum to correct this and address any potential t to market value. |  | Verified reserves - Borrowers have months of verified reserves when guideline section . (pg.) total required months PITIA of Subject property. |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided appraisal update. Appraiser acknowledges transaction as Non-Arm-length with no change in value. | Sold C A |
| 2023010891 | XXX | 926245 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 1 | Closed | Guideline section pg., "Family-to-Family sales require a month mortgage history for the seller's mortgage ..., payment history must support loan is current with no derogatory history in the past months." Lender requesting letter in file pg. , indicating title pg. . |  | Verified reserves - Borrowers have months of verified reserves when guideline section . (pg.) total required months PITIA of Subject property. | Recd from investor: proof deed transfer provided no mtg history present, please clear. <br>\*\* Finding remains, please provide referenced documentation for review. | &nbsp;&nbsp;&nbsp;&nbsp;- Received Real Quest Transaction History Report dated reflecting Buyer name of XXXand Seller name of XXX for subject transaction recorded . Prior transfers were noted as same family Quit Claim Deed transfers on and confirming no mortgage history in prior months. \*Eception Cleared. | Sold C A |
| 2023010881 | XXX | 923232 | XXX | Property | XXX Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | No indication that appraisal conforms to Title I of XXX. |  | Verified reserves - Borrower has months reserves post-closing which eceeds months required perXXX.; Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided appraisal addendum for USPAP<br>\*\*FINDING REMAINS\*\* Appraiser does not address adherence to Title I of XXX.<br>Lender provided appraisal addendum addressing USPAP; however, it notes the appraisal does not conform to USPAP and Title I of XXX is not addressed. | &nbsp;&nbsp;&nbsp;&nbsp;- Received lender response stating addendum contains of adherence to Title I of XXX. Reviewed attached amended Appraisal attached and confirmation that Appraisal report was prepared in accordance with the requirements of Title I of XXX and an implementation regulations is confirmed (pg. , bullet point # under Additional Certifications).<br>\*Eception Cleared. | Sold C A |
| 2023010881 | XXX | 923524 | XXX | Compliance | MortgageDeed of Trust is not Recorded | DEED 0005 | 2 | Acknowledged | DOT is not recorded. Closing Instructions directing title company to record the security instrument are not provided in file. |  | Verified reserves - Borrower has months reserves post-closing which eceeds months required perXXX.; Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. |  | Client: EV Investor Acknowledged Eception | Sold C B |
| 2023010881 | XXX | 923645 | XXX | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Per XXX Classic Guide , Section Housing and Mortgage Obligations (p) - Borrowers who own a house free and clear meet the housing history requirements provided there is documentation that the taes and insurance have been paid on time for the last months (Grade A+). Documentation in file, ta bill (p) supports one year property taes paid. Need additional year verification of property taes and two year history of insurance premium paid. |  | Verified reserves - Borrower has months reserves post-closing which eceeds months required perXXX.; Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided a response of: "Per borrower LOE and online validation the property at XXX is a mobile home. Per borrower they do not carry HOI on this property. Lender stated that per their Credit Policy, they should be ok to proceed with the loan as loan as years ta bills are provided. File contained evidence and Lender has provided ta bill. Lender provided an email chain to discuss lack of HOI. Email reflects housing history requirements can be meet with documentation that property taes alone have been paid on time for the last months. A XXX online search reflects the subject as a mobile home. <br> \*Eception Remains. ta bill provided reflects receipt date of with penalties and interest reflected in Penalties and Interest column. File ta receipt shows payment is due by of the net year, confirming that were late if receipt date is . Since no evidence of HOI and delinquent payment of taes, this does not meet the guideline requirement. | &nbsp;&nbsp;&nbsp;&nbsp;Lender uploaded verification property taes paid. | Sold C A |
| 2023010881 | XXX | 924904 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing Affiliated Business Disclosure. Per FACTS Disclosure is on pg. , lender has no affiliates. |  | Verified reserves - Borrower has months reserves post-closing which eceeds months required perXXX.; Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. |  | Lender has no affiliates. ABD not required. | Sold C A |
| 2023010878 | XXX | 922691 | XXX | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing October Bank Statement for The XXX. |  | Verified reserves - Borrowers have months of verified reserves remaining after closing when guidelines required months per the bank statements (pg. - , -) and final CD (pg.). XXX Achiever Epanded Guide (pg. ,); Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for full doc, Grade B Cash-Out Refinance, Investment Property. XXX Achiever Epanded Guide pg. |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided Oct bank statement. | Sold C A |
| 2023010878 | XXX | 922759 | XXX | Credit | Missing Verification of Rental | CRED 0021 | 2 | Acknowledged | &nbsp;&nbsp;&nbsp;&nbsp;states borrower rents current residence; however, no cancelled check or VOR are provided in file. |  | Verified reserves - Borrowers have months of verified reserves remaining after closing when guidelines required months per the bank statements (pg. - , -) and final CD (pg.). XXX Achiever Epanded Guide (pg. ,); Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for full doc, Grade B Cash-Out Refinance, Investment Property. XXX Achiever Epanded Guide pg. |  | Client: EV Investor approved eception based on comp factors noted. | Sold C B |
| 2023010878 | XXX | 924080 | XXX | Credit | Questionable Occupancy | CRED 0117 | 1 | Closed | Appraisal indicates one unit is owner occupied and the second unit is vacant. No tenant occupancy indicated on subject. |  | Verified reserves - Borrowers have months of verified reserves remaining after closing when guidelines required months per the bank statements (pg. - , -) and final CD (pg.). XXX Achiever Epanded Guide (pg. ,); Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for full doc, Grade B Cash-Out Refinance, Investment Property. XXX Achiever Epanded Guide pg. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received revised Appraisal with cover letter from Appraiser indicating both Vacant and Owner Occupied boes have been checked on page one as of the time of original inspection date, the lower unit was in fact vacant and owners were living in the upper unit and owners are parting ways. Revised Appraisal follows and both boes are checked. <br>\*Eception cleared. No value of rents considered in qualifying. | Sold C A |
| 2023010877 | XXX | 923264 | XXX | Compliance | Missing Home Loan Toolkit | TRID 0133 | 1 | Closed | Missing Home Loan Toolkit |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received an wet signed copy of evidence of delivery of Home Loan Toolkit. \*Eception cleared. | Sold C A |
| 2023010877 | XXX | 923278 | XXX | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 2 | Acknowledged | Missing valid Change of Circumstance(s) for LE dated . Rate Change with no fee tolerance violation. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. |  | Client: EV. No fee tolerance violation. | Sold C B |
| 2023010877 | XXX | 923734 | XXX | Compliance | MortgageDeed of Trust is not Recorded | DEED 0005 | 2 | Acknowledged | DOT is not recorded. Closing instructions directing title company to record the security instrument are not provided in file. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. |  | Client: EV Investor Acknowledged Eception | Sold C B |
| 2023010877 | XXX | 923867 | XXX | Credit | Unacceptable Mortgage History | CRED 0001 | 2 | Acknowledged | Per XXX Classic Guide , Section . Housing Payment History, Grade A + requires mo housing history. Credit report reflects mo mortgage history on primary residence. Previous VOR needed to complete mo history. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. | : Seller provided eception request and LO confirming borrower lived rent-free from May to Oct . | Client: EV Investor approved eception. | Sold C B |
| 2023010877 | XXX | 923875 | XXX | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Per XXX Classic Guide , Section . Child Support and Alimony, Evidence of child support andor alimony income must be documented with proof of receipt of the previous or months. Income supported with months deposits into XXX # (p. ,). months evidence of child support provided, months required. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided a - pg. document that contains copies of XXX # bank statements pgs. - reflecting various deposits from the Defendant's name in the Divorce Decree with some deposits matching eactly to the specified amount required. When less than the eact amount, that months statement reflects more than one deposit from the Defendant. months statements provided reflecting deposits into borrower account from the Defendant. \*Eception Cleared. | Sold C A |
| 2023010877 | XXX | 923880 | XXX | Credit | Undisclosed or Ecluded Debt | CRED 0086 | 1 | Closed | Per XXX Classic Guide , Section Installment Debt (p), obligation can be ecluded if it will conclude within months. Lender approved DTI did not include installment payment to XXX # with >mo remaining. Documentation needed to support eclusion of this obligation. Subject to reverification of qualifying DTI. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided a - pg. document with page being a copy of single page of XXX consolidated statement with date ending through which is post-closing. Balance on vehicle loan ending # as of is but this is post-closing. <br> \*Eception Remains. The debt was not omitted in qualifying as the balance was not confirmed prior to closing to be less than months resulting in Review DTI that is greater than . | &nbsp;&nbsp;&nbsp;&nbsp;- Received lender response of: Request the Investor re-look at the bank statement. In agreement of the date ranges from to being after the Note date; however, per the statement the ending balance as of the last statement reflects . The last statement would be before the date. Attached is a Credit Union statement to review.<br>\*Eception Cleared. The statement provided reflects the same balance of as last statement and this statement. Balance did not change on statement; however balance on credit report dated was higher than balance on statement beginning . Note date is thus balance reflects months remaining. | Sold C A |
| 2023010877 | XXX | 924702 | XXX | Credit | Back-end Ratio eception (DTI) | CRED 0004 | 1 | Closed | Lender approved DTI is ecluding installment liability. Review DTI is including this liability as documentation is not provided to support its eclusion. Per XXX Classic guides, full doc loan is permitted up to DTI with an additional mo reserves. Base reserve requirement is mo and this would increase requirement to mo reserves to meet guidelines. Borrower has mo reserves documented. Additional reserves to meet mo, documentation of release of installment debt, or DTI eception is needed to verify loan meets guidelines. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received lender response of: Request the Investor re-look at the bank statement. In agreement of the date ranges from to being after the Note date; however, per the statement the ending balance as of the last statement reflects . The last statement would be before the date. Attached is a Credit Union statement to review.<br>\*Eception Cleared. DTI updated with omission of Installment debt with < months remaining (see CRED cleared eception). | Sold C A |
| 2023010877 | XXX | 924865 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing Affiliated Business Disclosure. FACTS Notice is on pg. , does not list affiliates and does state that lender has no affiliates. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received lender memo that XXX has no affiliates therefore, no ABD was provided. <br>\*Eception Cleared. | Sold C A |
| 2023010894 | XXX | 924766 | XXX | Compliance | No Net Tangible Benefit to the Borrower | COMP 0009 | 1 | Closed | Borrower is increasing interest rate from to . Borrower's P&I payment is increasing from to . Borrower is removing FHA PMI; however, total PITIA payment is still increasing from to . No cash out or other documented benefit is provided. |  | Verified reserves - XXX Classic Guidelines . p requires month reserve requirement Borrower has months verified reserves post close which eceeds guideline requirements.; Low DTI - XXX Classic Guidelines p requires DTI ma, borrower has DTI |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided a rebuttal that the NTB for the loan is that a co-borrower was removed from the original Note and borrower is qualifying individually. Additionally, the file reflects the Fraud report and the Mortgage statement reflect that the property is in the name of the borrower and an additional individual. They are unmarried and he is being removed from title. <br>\*Eception cleared. | Sold C A |
| 2023010879 | XXX | 924890 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Missing Affiliated Business Disclosure. FACTS Disclosure also not in file. |  | Verified reserves - XXX Classic guidelines . p requires for grade A+, for FTHB, for LTV, total reserves . Borrower has months reserves verified post close which eceeds the guideline reserve requirement.; Verified credit history - XXX Classic guidelines p- requires minimum fico of , the borrowers fico score is . |  | : Received memo affirming lender has no affiliates. ABD not required. | Sold C A |
| 2023010879 | XXX | 925191 | XXX | Property | Missing Price of Last Sale | APPR 0027 | 1 | Closed | Appraisal notes property sale p within last days. Sales price is not indicated and title report does not disclose chain of title to confirm. Information needed to confirm adherence to guidelines section on Property Flipping to determine if second appraisal is needed. |  | Verified reserves - XXX Classic guidelines . p requires for grade A+, for FTHB, for LTV, total reserves . Borrower has months reserves verified post close which eceeds the guideline reserve requirement.; Verified credit history - XXX Classic guidelines p- requires minimum fico of , the borrowers fico score is . |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender responded with copy of an email from the Settlement company to confirm that the original owner is deceased and the property transferred to his heirs, thus no sale price. \*Eception cleared. | Sold C A |
| 2023010879 | XXX | 927309 | XXX | Compliance | No Real Estate Commission(s) disclosed on final Closing Disclosure for Pur XXX transaction (12 CFR 1026.38(g)(4)) | TRID 0196 | 2 | Acknowledged | Real Estate Commissions are not disclosed on borrower's final Closing Disclosure |  | Verified reserves - XXX Classic guidelines . p requires for grade A+, for FTHB, for LTV, total reserves . Borrower has months reserves verified post close which eceeds the guideline reserve requirement.; Verified credit history - XXX Classic guidelines p- requires minimum fico of , the borrowers fico score is . |  | Client: EV No assignee liability. | Sold C B |
| 2023010887 | XXX | 922119 | XXX | Compliance | Missing evidence of the Seller Closing Disclosure | TRID 0193 | 2 | Acknowledged | Seller CD is not provided in file. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Low LTVCLTVHCLTV - Borrower has months reserves post-closing which eceeds months required. |  | Client: EV No assignee liability. | Sold C B |
| 2023010887 | XXX | 923122 | XXX | Credit | Missing Employment doc (VOE) | CRED 0007 | 2 | Acknowledged | Per XXX Classic Guide, Section . Verbal Verification of Self-Employment to support continued business operations is required to to be completed ten business days prior to the Note Date. CPA letter is in file p but no additional verification provided in file within days of Note. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines.; Low LTVCLTVHCLTV - Borrower has months reserves post-closing which eceeds months required. |  | Mitigated Risk: - Received lender response of Self-Employment verification is required within days of Note date. Verification in file is just outside the days, therefore a Post-Closing reverification was provided dated to confirm the borrower's self-employment status remains active and was active as of closing date. Lender also included online searches of the CPA and borrower business. <br>\*Overridden to EV status with VVOE completed post-closing. | Sold C B |
| 2023010890 | XXX | 923839 | XXX | Compliance | Missing 1-4 Family Rider | DEED 0008 | 1 | Closed | The - Family Rider is not provided in file for investment property transaction. |  | Verified reserves - Borrowers have months of verified reserves remaining after closing when guidelines required months per the bank statements (pg. - , -).; Verified credit history - Borrower's credit report in file (pg.) reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lender provided recorded Deed with - Rider attached. | Sold C A |
| 2023010890 | XXX | 924377 | XXX | Credit | Missing Evidence of Verified Property Ta and or Homeowners Insurance Information | CRED 0103 | 1 | Closed | Verification of subject property taes not provided in file. Property ta amount mo as collected on final CD p does not match title commitment taes of annual (p). Documentation supporting lender property ta figures needed. |  | Verified reserves - Borrowers have months of verified reserves remaining after closing when guidelines required months per the bank statements (pg. - , -).; Verified credit history - Borrower's credit report in file (pg.) reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lender provided Ta record information sheet | Sold C A |
| 2023010885 | XXX | 925367 | XXX | Credit | Title Policy - Schedule B Eception | TITL 0014 | 1 | Closed | Title report Schedule B p reflects delinquent property taes on subject. pg. shows these to be paid off at or before closing. Final CD pg. does not reflect delinquent taes collected or paid. |  | Verified reserves - Borrowers have of verified reserves post-closing when guideline (pg.) required months PITIA of Subject plus mos each financed property owned in total Required Reserves. | Recd from lender: Please clear ta bill showing no past due provided.<br>\*\*Finding remains, no copy of ta bill provided for review. Please provide copy of ta bill showing taes paid and current. | Subject Property Account Inquiry for the subject reflecting no amount due as of received. Last ta payment received . Finding cleared as taes are verified as current. | Sold C A |
| 2023010882 | XXX | 926012 | XXX | Property | XXX Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Appraisal does not contain affirming that it was prepared in accordance with Title I of XXX and any implementing regulations as required for XXXs. |  | Verified reserves - XXX Classic Guidelines . p requires month reserve requirement (grade A) Borrower has months verified reserves post close which eceeds guideline requirements.; Verified credit history - XXX Classic Guidelines p requires a minimum fico of , borrower fico over points higher at |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received revised appraisal reflecting (pg.) appraiser's affirmation that appraisal prepared in accordance with Title I of XXX and it implementing regulations.<br>\*Eception Cleared. | Sold C A |
| 2023010882 | XXX | 926014 | XXX | Compliance | XXX Loan | COMP 0016 | 1 | Closed | Non-compliant XXX due to Appraisal not meeting requirements. --<br>The loan's () APR equals or eceeds the XXX threshold of (). The threshold is determined by adding points to the comparable average prime offer rate inde on the "last date the interest rate is set before consummation." The comparable APOR for this loan is ().(CFR (a)(i)). |  | Verified reserves - XXX Classic Guidelines . p requires month reserve requirement (grade A) Borrower has months verified reserves post close which eceeds guideline requirements.; Verified credit history - XXX Classic Guidelines p requires a minimum fico of , borrower fico over points higher at |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received revised appraisal reflecting (pg.) appraiser's affirmation that appraisal prepared in accordance with Title I of XXX and it implementing regulations.<br>\*Eception Cleared. | Sold C A |
| 2023010895 | XXX | 926353 | XXX | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 1 | Closed | Subject rent loss coverage (pg.) of is less than one month when Si month rent loss insurance is required per Guidelines pg.. |  | Established credit history - Borrower's credit report in file (pg.) reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history. Indicator credit score is .; Verified reserves - Borrower has verified liquid assets when Required Reserves (mos PITIA Subject , plus mos each financed property) per Guidelines pg. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received a copy of email from XXX Insurance agent to the Lender reflecting and stating: Our policies cover loss rents for months. So, whatever those rents would be based off the agreements would be the amount. We do not give a stated amount because its based off of whatever the negotiated rents are, as indicated on the rental agreements. <br>\*Eception Cleared with Insurance Agent confirming policy covers months rent loss. | Sold C A |
| 2023010880 | XXX | 923532 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 1 | Closed | Initial Application, eecuted by borrower, not provided in file. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified reserves - Borrower has months reserves post-closing which eceeds months required per guidelines. File contains evidence of additional liquid assets.; Verified credit history - Mid FICO score of eceeds the minimum required of by points. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received copy of eSigned initial application. \*Eception cleared. | Sold C A |
| 2023010880 | XXX | 923580 | XXX | Property | XXX Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Appraiser did not include an eecuted certification stating the appraisal was prepared in accordance with Title I of XXX and any implementing regulations.--<br>The loan's () APR equals or eceeds the XXX threshold of (). The threshold is determined by adding points to the comparable average prime offer rate inde on the "last date the interest rate is set before consummation." The comparable APOR for this loan is ().(CFR (a)(i)). |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified reserves - Borrower has months reserves post-closing which eceeds months required per guidelines. File contains evidence of additional liquid assets.; Verified credit history - Mid FICO score of eceeds the minimum required of by points. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received copy of single page of revised addendum reflecting certification stating the appraisal was prepared in accordance with Title I of XXX and any implementing regulations. \*Eception cleared. | Sold C A |
| 2023010880 | XXX | 924529 | XXX | Compliance | MortgageDeed of Trust is not Recorded | DEED 0005 | 2 | Acknowledged | Closing instructions directing title company to record the security instrument are not provided in file. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified reserves - Borrower has months reserves post-closing which eceeds months required per guidelines. File contains evidence of additional liquid assets.; Verified credit history - Mid FICO score of eceeds the minimum required of by points. |  | Client: EV Investor Acknowledged | Sold C B |
| 2023010873 | XXX | 924660 | XXX | Credit | Discrepancy between 1003 and documentation stated andor verified in file | APP 0006 | 2 | Acknowledged | Per Final , Borrower's employment was stated as 'Does not apply' with no employment or income listed. Employment and income have been used for qualification. Revised needed. |  | Verified reserves - Borrower has mo reserves post-closing which eceeds mo required per guidelines. |  | Mitigated Risk: - Received revised uneecuted reflecting employment (self-employment, income and phone number). \*Eception overridden to EV due to not eecuted. | Sold C B |
| 2023010873 | XXX | 924664 | XXX | Compliance | Missing Borrower Employer Phone Number | APP 0014 | 2 | Acknowledged | Initial or final does not disclose employment phone number. |  | Verified reserves - Borrower has mo reserves post-closing which eceeds mo required per guidelines. |  | Mitigated Risk: - Received revised uneecuted reflecting employment (self-employment, income and phone number). \*Eception overridden to EV due to not eecuted. | Sold C B |
| 2023010884 | XXX | 923466 | XXX | Compliance | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 1 | Closed | Missing evidence the Hazard Insurance Premium pg. has been paid in full. No premium paid on the final CD (p) and HOI reflects the total balance due. |  | Low DTI - Loan DTI is per lender calculation, lower than DTI permitted per Guidelines pg. ; Verified employment history - Borrower has yrs verified with current employer. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received copy of XXX Insurance billing and payment services invoice reflecting balance of paid on which was prior to Transaction date. \*Eception cleared. | Sold C A |
| 2023010884 | XXX | 924021 | XXX | Credit | Asset Documentation is Insufficient | CRED 0083 | 2 | Acknowledged | Total Assets short by , - Verified= and Required reserves= (mos(+mos additional for Investment) PITIA of Subject plus PITIA of mos each financed property owned , = per Guidelines- pg.&) |  | Low DTI - Loan DTI is per lender calculation, lower than DTI permitted per Guidelines pg. ; Verified employment history - Borrower has yrs verified with current employer. | &nbsp;&nbsp;&nbsp;&nbsp;- Received single page printout dated that reflects current balance of .<br> \*Eception Remains: INVESTOR TO REVIEW. Updated balance leaves borrower short total reserves required reserves by . <br>- Received a four page document. Page one is a printout of XXXfor days reflecting a balance on of which is prior to the bank statement in file ending on thus no balance to update. Pages - is January statement which is also before. <br> \*Eception Remains\* - Still missing evidence of sufficient assets for reserves. | Client: Investor Acknowledged eception based on the following comp factors: Loan DTI is wa ma allowed of and verified employment history. | Sold C B |
| 2023010884 | XXX | 924158 | XXX | Credit | Seasoning Issue LTV Calculated from Appraisal Value | CRED 0019 | 1 | Closed | This is Delayed Financing- Calculated LTV is based FNMA Guidelines. Delayed Financing Guidelines pg. Not indicated. Subject pur XXX d per HUD pg. pur XXX price , . Appears Lender used appraisal Value pg. No improvements noted since borrower pur XXX d . |  | Low DTI - Loan DTI is per lender calculation, lower than DTI permitted per Guidelines pg. ; Verified employment history - Borrower has yrs verified with current employer. | &nbsp;&nbsp;&nbsp;&nbsp;- Received lender response of: "this should meet delayed financing guidelines and we should be able to use the fully appraised value. Per guidelines, it does not state that we have to use the lower of the two values. Additionally, per the Appraiser comments the property was pur XXX d below market value, as well as improvements have been made to the property.<br>\*Eception Remains\* Guidelines (section . Delayed Financing) reflect that the new loan amount cannot eceed the actual documented amount of the initial investment toward pur XXX plus financing closing costs, prepaids and discount points on the new loan. Original pur XXX price per the HUD in file is K. Subject loan does not reflect months seasoning from pur XXX of property to subject Note (only months) and thus does not meet Transaction seasoning to be considered for RateTerm financing. Subject transaction must qualify under Delayed Financing and LTV is based off original pur XXX price. | &nbsp;&nbsp;&nbsp;&nbsp;- Received rebuttal request stating:<br>The borrower paid K cash for the property and we are currently at a , loan amount. So, our new loan amount is not over the initial investment amount. <br>\*Eception Cleared. Agreed, per guideline Delayed financing (pg. -) states bullets with one being that new loan amount cannot eceed the actual documented amount of the initial investment toward pur XXX plus financing closing costs, prepaid and discount points on the new loan. Original HUD Alta statement in file reflects three deposits made by borrower and no loan financing. Ma LTV allowed is per FICO score. | Sold C A |
| 2023010884 | XXX | 924159 | XXX | Credit | LTV Eceeds Ma Allowed | CRED 0010 | 1 | Closed | \*UPDATED\* - Ma LTV allowed per guidelines (pg.) is for cash out refinance of Investment with FICO of . Subject LTV is based on original Pur XXX Price of K <br>LTV Eceeds Ma LTV = Guidelines pg. . |  | Low DTI - Loan DTI is per lender calculation, lower than DTI permitted per Guidelines pg. ; Verified employment history - Borrower has yrs verified with current employer. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received response from Lender of: this should meet delayed financing guidelines. It does not state to use lower of values. <br>\*Eception Cleared. Agreed, XXX classic does not reflect under Delayed Financing to use the lesser of original pur XXX price or current appraisal value. When current appraisal value is used the LTV calculates to which is the ma LTV allowed for Cash Our Investment under Delayed Financing. | Sold C A |
| 2023010896 | XXX | 924155 | XXX | Compliance | NMLS Loan Originator (Individual) Identifier is Missing | APP 0030 | 1 | Closed | NMLS data not provided on final application pg |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per guidelines.; Verified credit history - Mid FICO score of eceeds the minimum required of by points. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received revised uneecuted reflecting missing NMLS number. \*Eception cleared. | Sold C A |
| 2023010896 | XXX | 924671 | XXX | Credit | Borrowers from Data Tape do not match Borrowers on the Note | NOTE 0057 | 1 | Closed | Non-borrowing third party, XXX signed Note. No credit report in file for XXX. Initial and Final are applications for individual credit for XXX only. Closing Protection Letter only lists XXX Aleman as the Borrower. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per guidelines.; Verified credit history - Mid FICO score of eceeds the minimum required of by points. |  | : Received copy of Note signed by B only. Eception cleared. | Sold C A |
| 2023010896 | XXX | 924680 | XXX | Compliance | MortgageDeed of Trust is not Recorded | DEED 0005 | 2 | Acknowledged | Closing instructions directing title company to record the security instrument are not provided in file. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per guidelines.; Verified credit history - Mid FICO score of eceeds the minimum required of by points. |  | Client: EV Investor Acknowledged Eception | Sold C B |
| 2023010896 | XXX | 924943 | XXX | Credit | Unacceptable Mortgage History | CRED 0001 | 1 | Closed | Mortgage History provided on Supplemental Credit Report does not provide clear evidence of mortgage pay history. Per XXX Classic Guide , Section Quick Reference Guide, A Credit requires a mortgage history . Satisfactory proof of mortgage history required. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per guidelines.; Verified credit history - Mid FICO score of eceeds the minimum required of by points. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided a credit supplement dated reflecting for last months. Mortgage in Bankruptcy with comment confirming payment history confirmed via conference call payments on time for prior months. \*Eception Cleared. | Sold C A |
| 2023010896 | XXX | 927397 | XXX | Credit | Discrepancy between 1003 and documentation stated andor verified in file | APP 0006 | 2 | Acknowledged | Section B of Final is incomplete and missing Employer Phone Number, Address, Job Title, Years at Current Job and Years in Field of Work. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per guidelines.; Verified credit history - Mid FICO score of eceeds the minimum required of by points. |  | Mitigated Risk: - Received revised uneecuted reflecting employment (self-employment, income and phone number). \*Eception overridden to EV due to not eecuted. | Sold C B |
| 2023010888 | XXX | 924094 | XXX | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 2 | Acknowledged | Final CD has per-diem start date of , and a disbursement date of |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. ; Verified reserves - Borrower has mo reserves available, post-closing. |  | Client: EV Post closing corrective action - Received Title Company Master Closing Statement reflecting disbursement date of . Pre-paid interest amount matches PCCD. EV. | Sold C B |
| 2023010888 | XXX | 925251 | XXX | Compliance | Missing Borrower Years in Field of Work | APP 0018 | 2 | Acknowledged | Missing Borrower Years in Field of Work on Final . |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. ; Verified reserves - Borrower has mo reserves available, post-closing. | &nbsp;&nbsp;&nbsp;&nbsp;- Received a revised uneecuted reflecting year in the line of work. | Mitigated Risk: Investor Acknowledged eception based on the following comp factors: mid FICO, mo reserves, low DIT of . | Sold C B |
| 2023010888 | XXX | 925281 | XXX | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Per guidelines, all non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and confirming the borrower's access to the account for income-related purposes. Borrower is owner of business used for qualification. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. ; Verified reserves - Borrower has mo reserves available, post-closing. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received a letter of eplanation from non-borrowing owner to acknowledge borrower has full access to funds in XXX business account. <br>\*Eception cleared. | Sold C A |
| 2023010888 | XXX | 933966 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 2 | Acknowledged | \*NEW\* Based on revised uneecuted reflecting borrower has been in the line of work for year does not meet the minimum guideline requirement for Self-Employed business bank statements. Guideline (section) reflects that the business must be active and in eistence for a minimum of years. Subject borrower business has only been in eistence for one year and borrower stated only in this line of work for one year. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. ; Verified reserves - Borrower has mo reserves available, post-closing. | &nbsp;&nbsp;&nbsp;&nbsp;- Received response from lender: This finding is accurate. However, I am requesting that the investor review for a possible eception. The borrower has been self employed since , and the prior company is the same line of business as the current company. Compensating factors: Down Payment, DTI and minimal open debt, Credit score, Over k in reserves after down payment <br>\*INVESTOR TO REVIEW | Client: Investor Acknowledged eception based on the following comp factors: mid FICO, mo reserves, low DIT of . | Sold C B |
| 2023010883 | XXX | 924269 | XXX | Compliance | List of Settlement Service Providers Sent Date > 3 Business Days from Application Date (Rule) | TRID 0048 | 1 | Closed | Application Date is , List of Settlement Service Providers (pg.) is dated <br>The List of Settlement Service Providers Disclosure Date (--) is more than business days from the Application Date (--). Three business days from the Application Date is (--). Under Regulation Z, e List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(CFR (e)(vi); (e)(iii)) |  | Verified employment history - Borrower has verified over yrs self-employment. |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided original SSPL issued . | Sold C A |
| 2023010883 | XXX | 924274 | XXX | Property | XXX Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | Missing XXX from appraiser.--<br>The loan's () APR equals or eceeds the XXX threshold of (). The threshold is determined by adding points to the comparable average prime offer rate inde on the "last date the interest rate is set before consummation." The comparable APOR for this loan is ().(CFR (a)(i)). |  | Verified employment history - Borrower has verified over yrs self-employment. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received updated appraisal including the missing XXX (pg.). <br>\*Eception Cleared. | Sold C A |
| 2023010883 | XXX | 932647 | XXX | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan EstimateClosing Disclosure. | TRID 0119 | 1 | Closed | <br> The following fee(s) increased from the amount(s) disclosed on the Closing Disclosure sent on --: Documentary XXX. The fees in the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (CFR (e); CFR (e)). |  | Verified employment history - Borrower has verified over yrs self-employment. |  | Duplicate of | Sold C A |
| 2023010875 | XXX | 926029 | XXX | Compliance | Missing Evidence of Service Provider List | TRID 0151 | 1 | Closed | Service Provider List not in file. |  | Low LTVCLTVHCLTV - Loan LTV is <. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided copy of Service Provider List dated . \*Eception cleared. | Sold C A |
| 2023010979 | XXX | 924780 | XXX | Compliance | All title holders did not eecute the MortgageDOT | DEED 0037 | 1 | Closed | Subject is the borrower's primary residence in a community property state and the (p) reflects the borrower is married, however the non-borrowing spouse did not sign the deed of trust (p). No evidence of interspousal grant deed etinguishing the community property rights and homestead rights of the non-borrowing spouse. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is > below allowable LTV per programXXX. | &nbsp;&nbsp;&nbsp;&nbsp;- Received a title supplement dated reflecting that items number and will not be shown in our policy of title insurance when issued. Title vested as a married man as his sole and separate property; however, # and # also reflect in accordance with and , as it affects beneficiary interest acquired after , the Trustee will require the spouse to either join in the request or eecute an assignment to the beneficiary. <br>\*Eception Remains. No evidence of spousal eecution of assignment to the beneficiary or if beneficiary is a widow(er), a certified copy of the death certificate will be required. | &nbsp;&nbsp;&nbsp;&nbsp;- Received copy of recorded Quit Claim Deed dated from XXX to borrower as his sole and separate property. <br> \*Eception cleared. | Sold C A |
| 2023010979 | XXX | 924784 | XXX | Compliance | Right of Rescission is not eecuted by Title Holder(s) | ROR 0004 | 1 | Closed | No Right of Rescission provided for the non-borrowing spouse, property is the primary residence in a community property state. See DEED |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is > below allowable LTV per programXXX. | &nbsp;&nbsp;&nbsp;&nbsp;- Received a title supplement dated reflecting that items number and will not be shown in our policy of title insurance when issued. Title vested as a married man as his sole and separate property; however, # and # also reflect in accordance with and , as it affects beneficiary interest acquired after , the Trustee will require the spouse to either join in the request or eecute an assignment to the beneficiary. <br>\*Eception Remains. No evidence of spousal eecution of assignment to the beneficiary or if beneficiary is a widow(er), a certified copy of the death certificate will be required. | &nbsp;&nbsp;&nbsp;&nbsp;- Received copy of recorded Quit Claim Deed dated from XXX to borrower as his sole and separate property. <br>\*Eception cleared. | Sold C A |
| 2023010979 | XXX | 924800 | XXX | Property | Missing Third Party Appraisal Review | APPR 0046 | 2 | Acknowledged | Missing appraisal review product as required by guidelines, Collateral Desk Top Analysis (CDA) from Clear Capital Appraisal Management or Appraisal Risk Review (ARR) from XXX. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is > below allowable LTV per programXXX. |  | Client: EV Investor approved eception. CU score = . | Sold C B |
| 2023010979 | XXX | 924869 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 2 | Acknowledged | The borrower's bank statements reflect NSF fees over the months reviewed, guidelines only allow up to one. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is > below allowable LTV per programXXX. | &nbsp;&nbsp;&nbsp;&nbsp;- Received same post-closing dated Lender Internal Eception Request form dated reflecting an eception request for NSFs. Lender reflects three comp factors of: Credit score > points, LTVCLTV below required or more, current employment > mos. No evidence of Investor acknowledged eception provided.<br>\*Eception Remains. INVESTOR TO REVIEW. <br>Lender provided eception request for NSF's on bank statements<br>\*\*FINDING REMAINS SUBJECT TO INVESTOR REVIEW AND APPROVAL\*\* Borrower has NSF's which eceed guideline ma of NSF. Lender quoted comp factors: Current employment >mo; Credit score >points required; LTV lower than required. | Client: Ev Investor waived eception. | Sold C B |
| 2023010979 | XXX | 924877 | XXX | Compliance | Missing PayoffDemand Statement | DMND 0003 | 2 | Acknowledged | Missing payoff from XXX. Settlement Statement shows payoff of original balance plus , interest due. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is > below allowable LTV per programXXX. |  | Client: EV Investor waived eception. Per Investor, title policy shows lien released. | Sold C B |
| 2023010979 | XXX | 924881 | XXX | Credit | Unacceptable Mortgage History | CRED 0001 | 2 | Acknowledged | Missing mortgage payment history for the loan from XXX that was paid at closing, or copy of the Note reflecting payments have not been due. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is > below allowable LTV per programXXX. |  | Client: EV Investor waived eception. | Sold C B |
| 2023010979 | XXX | 924895 | XXX | Compliance | Missing Evidence of Re-disclosure and a valid COC for the total amount of the Closing Disclosure Category fees that increased by more than from the amount disclosed on the prior Loan Estimate or Closing Disclosure. | TRID 0124 | 1 | Closed | The recording fees increased by more than from the amount on the initial Loan Estimate<br>The total amount of Closing Disclosure Category fees () increased by more than from the total amount disclosed on the Loan Estimate sent on --, (). The total amount of fees in this category cannot eceed () unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (CFR (e)(ii); CFR (e)(iv); CFR (f)(v)). |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is > below allowable LTV per programXXX. |  | : Final CD has tolerance cure noted with in payoff and payments section. Eception cleared. | Sold C A |
| 2023010979 | XXX | 924897 | XXX | Credit | Income Documentation is Insufficient | CRED 0082 | 1 | Closed | Missing Business Narrative as required by guidelines |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is > below allowable LTV per programXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided alternative business narrative as letter of eplanation from borrower. | Sold C A |
| 2023010975 | XXX | 925420 | XXX | Property | Missing Third Party Appraisal Review | APPR 0046 | 2 | Acknowledged | Per guidelines, desk review (CDA) required for investment properties. XXX Guidelines DSCR v p. CDA not provided in file. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. ; Low LTVCLTVHCLTV - Transaction closed at LTV which is > below allowable LTV per programXXX. |  | Client: EV Investor approved eception. CU score = . | Sold C B |
| 2023010975 | XXX | 925527 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 2 | Acknowledged | Initial Application, eecuted by borrower, not provided in file. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. ; Low LTVCLTVHCLTV - Transaction closed at LTV which is > below allowable LTV per programXXX. |  | Client: EV Investor Acknowledged Eception for missing initial on business purpose loan. | Sold C B |
| 2023010975 | XXX | 927181 | XXX | Credit | Asset Documentation is Insufficient | CRED 0083 | 2 | Acknowledged | Per XXX DSCR v guides, assets to be verified with mo statements to show days seasoning. One month statement plus transaction summary present in file that does not complete day requirement. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. ; Low LTVCLTVHCLTV - Transaction closed at LTV which is > below allowable LTV per programXXX. | &nbsp;&nbsp;&nbsp;&nbsp;- Received post-closing dated Lender Internal Eception Request form dated reflecting an eception request for month bank statement and months reserves. Lender reflects four comp factors of: Credit score > points, LTVCLTV below required or more, for month mortgage history, homeownership > months. No evidence of Investor acknowledged eception(s) provided.<br>\*Eception Remains. INVESTOR TO REVIEW. | Client: Client Acknowledge Eception | Sold C B |
| 2023010975 | XXX | 927182 | XXX | Credit | Insufficient Verified Reserves (Number of Months) | CRED 0017 | 2 | Acknowledged | Per XXX DSCR v guidelines - mo base reserves plus additional mo for DSCR < is required for a total of mo reserves, or , needed. Borrower has mo reserves with available after funds to close, including application of , gift funds. Borrower is short reserves , . |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. ; Low LTVCLTVHCLTV - Transaction closed at LTV which is > below allowable LTV per programXXX. | &nbsp;&nbsp;&nbsp;&nbsp;- Received post-closing dated Lender Internal Eception Request form dated reflecting an eception request for month bank statement and months reserves. Lender reflects four comp factors of: Credit score > points, LTVCLTV below required or more, for month mortgage history, homeownership > months. No evidence of Investor acknowledged eception(s) provided. <br>\*Eception Remains. INVESTOR TO REVIEW. | Client: Client Acknowledged Eception based on the following compensating factors. Credit score > points, LTVCLTV below required or more, for month mortgage history, homeownership > months. | Sold C B |
| 2023010975 | XXX | 991288 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 2 | Acknowledged | Lender approved DSCR does not meet the minimum requirement of .. |  | Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. ; Low LTVCLTVHCLTV - Transaction closed at LTV which is > below allowable LTV per programXXX. |  | Client: EV Investor Acknowledged Eception | Sold C B |
| 2023010974 | XXX | 926683 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 2 | Acknowledged | Initial Application, eecuted by borrower, not provided in file. |  | Low LTVCLTVHCLTV - Subject property LTVCLTV is which is > lower than permitted perXXX. ; Established credit history - Borrower has qualifying FICO which eceeds minimum required per cash-outXXX. |  | Client: EV Investor Acknowledged Eception for missing initial on business purpose loan. | Sold C B |
| 2023010974 | XXX | 926756 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 1 | Closed | Seller must supply evidence of the DSCR calculation amount, i.e., the amount to be listed on the or the XXX DSCR income calculation worksheet per guidelines pg. |  | Low LTVCLTVHCLTV - Subject property LTVCLTV is which is > lower than permitted perXXX. ; Established credit history - Borrower has qualifying FICO which eceeds minimum required per cash-outXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided a reflecting a DSCR ratio of .<br>\*Eception cleared. | Sold C A |
| 2023010974 | XXX | 928186 | XXX | Credit | Hazard Insurance Coverage Amount is Insufficient | HAZ 0004 | 1 | Closed | Dwelling coverage of , does not cover loan amount of , . No etended replacement coverage or Replacement Cost Estimator (RCE) provided in file. |  | Low LTVCLTVHCLTV - Subject property LTVCLTV is which is > lower than permitted perXXX. ; Established credit history - Borrower has qualifying FICO which eceeds minimum required per cash-outXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received a Replacement Cost Estimate for , . <br>\*Eception Cleared. | Sold C A |
| 2023010974 | XXX | 928202 | XXX | Credit | Discrepancy between 1003 and documentation stated andor verified in file | APP 0006 | 1 | Closed | Coborrower current residence address information is not provided on . |  | Low LTVCLTVHCLTV - Subject property LTVCLTV is which is > lower than permitted perXXX. ; Established credit history - Borrower has qualifying FICO which eceeds minimum required per cash-outXXX. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided a copy of eecuted document (pg.) reflects co-borrower current address information. <br>\*Eception cleared. | Sold C A |
| 2023010964 | XXX | 927741 | XXX | Compliance | Missing valid Change of Circumstance(s) | TRID 0171 | 2 | Acknowledged | COC (p. ,) for LE issued (p. ,) states eplanation for change is No Change. No fee tolerance eception with this LE.<br>|  | Verified reserves - NQM Bank Statement Program assetsreserves- requires months requirements- borrower has months reserves verified post close which eceeds the guideline requirement.; Verified credit history - NQM Bank Statement Program requires a minimum fico score of , borrowers fico score is which eceeds the fico minimum. | : Received copy of same LE, and COC date COC eplanation of change says, "No change." <br>\*\*\*Finding remains as level . This is not a valid COC. | Client: EV: No fee tolerance eception with this LE.<br>| Sold C B |
| 2023010964 | XXX | 927774 | XXX | Compliance | Missing Evidence of Re-disclosure and a valid COC for an increase in the "Cannot Increase Category" fee(s) from the prior disclosed Loan EstimateClosing Disclosure | TRID 0195 | 1 | Closed | Missing valid COC for increase in Appraisal Fee and Appraisal Management Fee on CD issued . COC on page does not describe a change of circumstance; it only says "Issue Initial CD." Credit Report Fee variance of is a non-issue; rounding from LE to CD.<br>The amounts disclosed on the last Closing Disclosure for the following fee(s) have increased above the amount disclosed on the Loan Estimate sent on --: Appraisal Fee, Appraisal Fee, Credit Report Fee. Each fee within the Cannot Increase category cannot increase unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (CFR (e); CFR (e); CFR (f)(v)). |  | Verified reserves - NQM Bank Statement Program assetsreserves- requires months requirements- borrower has months reserves verified post close which eceeds the guideline requirement.; Verified credit history - NQM Bank Statement Program requires a minimum fico score of , borrowers fico score is which eceeds the fico minimum. |  | : Lender credit was added at same time as increase in fees, for same aggregate amount. Eception cleared. | Sold C A |
| 2023010964 | XXX | 928112 | XXX | Compliance | MortgageDeed of Trust is not Recorded | DEED 0005 | 2 | Acknowledged | Closing Instructions directing title to record MortgageDOT are not provided in file. |  | Verified reserves - NQM Bank Statement Program assetsreserves- requires months requirements- borrower has months reserves verified post close which eceeds the guideline requirement.; Verified credit history - NQM Bank Statement Program requires a minimum fico score of , borrowers fico score is which eceeds the fico minimum. |  | Client: EV Investor Acknowledged Eception | Sold C B |
| 2023010949 | XXX | 931346 | XXX | Credit | Missing Inter Vivos Revocable Trust Agreement | TRST 0001 | 1 | Closed | Per NQM Lending Guide , Section . Eligible Trusts , an eligible inter vivos revocable trust, is required when the borrower is both the individual establishing the trust and the beneficiary of the trust. Unable to locate a copy of the trust agreement or trust certification in loan file to determine if the trust guidelines are met. |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | Trust certification received (CA). | Sold C A |
| 2023010949 | XXX | 931611 | XXX | Credit | Title Policy - Schedule B Eception | TITL 0014 | 1 | Closed | Missing evidence of release or re-subordination of the , recorded , item # on the preliminary title report (p). |  | Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. | Supplement dated pg confirms that Item # will not be shown. | Final Title Policy received reflecting no subordinate financing received. | Sold C A |
| 2023010898 | XXX | 928583 | XXX | Compliance | MortgageDeed of Trust is not Recorded | DEED 0005 | 2 | Acknowledged | Closing Instructions directing title agency to record the security instrument are not provided in file. |  | Verified reserves - XXX Classic Guides - . require reserves for Grade A+, for loan amount, total reserves Borrower has reserves verified post close which eceeds the guideline requirement.; Low DTI - XXX Classic Guides p requires a ma of DTI, the borrowers DTI for this transaction is . |  | Client: EV Investor Acknowledged Eception | Sold C B |
| 2023010898 | XXX | 928593 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 1 | Closed | Affiliated Business Disclosure not in file. FACTS Disclosure not in file. Unknown if lender has affiliates. |  | Verified reserves - XXX Classic Guides - . require reserves for Grade A+, for loan amount, total reserves Borrower has reserves verified post close which eceeds the guideline requirement.; Low DTI - XXX Classic Guides p requires a ma of DTI, the borrowers DTI for this transaction is . |  | : Received memo affirming lender has no affiliates. ABD not required. | Sold C A |
| 2023010898 | XXX | 928594 | XXX | Compliance | Borrower(s) Did Not Receive "Right to Receive Credit Scores" | FACT 0002 | 1 | Closed | Unable to locate Right to Receive Credit Scores Disclosure in file. |  | Verified reserves - XXX Classic Guides - . require reserves for Grade A+, for loan amount, total reserves Borrower has reserves verified post close which eceeds the guideline requirement.; Low DTI - XXX Classic Guides p requires a ma of DTI, the borrowers DTI for this transaction is . |  | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provided a copy of the State Credit Score Disclosure. \*Eception cleared. | Sold C A |
| 2023010999 | XXX | 930280 | XXX | Credit | Initial 1003 Application is Incomplete | APP 0004 | 2 | Acknowledged | Borrower's signature missing on Initial Application. |  | Verified reserves - Borrowers have months of verified reserves remaining after closing when guidelines require months.<br>; Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX. |  | Client: EV Investor Acknowledged Eception for missing incomplete initial on business purpose loan. | Sold C B |
| 2023010967 | XXX | 930426 | XXX | Credit | Missing Condo Project Approval | COND 0001 | 1 | Closed | Condo-Warrantable MA LTV and Condo-Non-Warrantable MA LTV perXXX pg.. FNMA Eligible Warrantable or Non-warrantable Project Review not provided in file as required by Guidelines pg. to determine ma LTV for Subject. |  | Verified housing payment history - Credit report (pg.) in file reflects months of satisfactory mortgage history paid . <br>; Verified reserves - Borrowers have months of verified reserves remaining after closing when guidelines required months per the bank statements (pg.). | &nbsp;&nbsp;&nbsp;&nbsp;- Lender provide a - pg. condo questionnaire along with - page FNMA Announcement SEL- -.<br>\*Eception Remains - Missing is evidence from the Lender of the Condo Project approval as required per guidelines to determine the ma LTV for the subject. | - Condo questionnaire (full review) recd, project meets warrantable requirements | Sold C A |
| 2023010967 | XXX | 930498 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 1 | Closed | Subject does not meet Min. DSCR perXXX p. Calculated DSCR Ratio is using Market Rent , per p. Lender noted DACR on using a Gross rent of , ; however source of this figure is unknown. |  | Verified housing payment history - Credit report (pg.) in file reflects months of satisfactory mortgage history paid . <br>; Verified reserves - Borrowers have months of verified reserves remaining after closing when guidelines required months per the bank statements (pg.). |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received lease agreement in name of prior owner (Seller of subject) reflecting lease agreement dated to for per month with evidence of , and rents paid. XXX guidelines for DSCR require Rent used for DSCR calculation is the lesser of Current lease or the amount on the as market rent. If higher (current rent is used), must have months current proof of receipt to use the higher. <br>\*Eception Cleared. Revised DSCR ratio is . | Sold C A |
| 2023010965 | XXX | 935812 | XXX | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 2 | Acknowledged | Per re- disclosed final corrective CD issued on loan was disbursed on , and an etra day of interest was collected from . |  | Verified reserves - Borrower has months in verified reserves, when only months reserves are required. | - Received response form lender: "Please clear as that the data will not always match. Please note that in some cases the Disbursement dates and Prepaid Interest start dates will not match due to closing agent pending receipt of recording confirmation which delayed funding. "<br>\*\*Subject Loan is not in a dry funding state and charging additional interest to the borrower is not acceptable.<br>| Remove out of scope - Client: EV. Business purpose loan, not subject to compliance testing. | Sold C B |
| 2023010965 | XXX | 937566 | XXX | Credit | Insufficient verified liquid reserves | CRED 0099 | 1 | Closed | Per XXX Visionary Investment Guide (Section Cash-out Refinance Proceeds from a cash-out refinance transaction may be used toward the minimum reserve requirement provided two months' reserves are verified from the borrower(s) own funds. |  | Verified reserves - Borrower has months in verified reserves, when only months reserves are required. |  | - Reviewed guideline requirements, eception canceled | Sold C A |
| 2023010954 | XXX | 932864 | XXX | Compliance | Missing Legal Description on MortgageDOT | DEED 0021 | 1 | Closed | Missing "Ehibit A" to the Deed of Trust. |  | Low LTVCLTVHCLTV - Loan to value is , NQM Bank Statement Program has a ma ltv of , pg. .; Verified reserves - Verified reserves are months, per NQM Bank Statement Program pg. , months are required. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Recd recorded copy of the mortgage which includes the legal description as Ehibit A | Sold C A |
| 2023010954 | XXX | 934075 | XXX | Credit | Credit Documentation is Insufficient | CRED 0093 | 1 | Closed | Missing the letter of eplanation for the modification from the borrower as required, NQM Bank Statement Program-Underwriting Guidelines pg. . |  | Low LTVCLTVHCLTV - Loan to value is , NQM Bank Statement Program has a ma ltv of , pg. .; Verified reserves - Verified reserves are months, per NQM Bank Statement Program pg. , months are required. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received a lender response that bank statement guidelines do not require a LO for the Modification. Borrower Covid- attestation confirming borrower is not in forbearance was provided in imaged file (pg.). Purpose of the Mod was to bring the borrower current on their eisting Mtg due to previously being in forbearance (pg. -). Credit supplements in file (pg. -) confirm borrower had made at least timely payments and were paid current as required per guidelines. <br>\*Eception Cleared. Eecuted Covid= attestation is in file dated at closing. Trail payment LO in file (pg.). Credit supplements confirm last payment date . | Sold C A |
| 2023010969 | XXX | 934177 | XXX | Compliance | APN Number is not listed on Security Instrument | COLL 0001 | 1 | Closed | Attached Legal Description pg. |  | Verified housing payment history - Credit report (pg.) in file reflects months of satisfactory mortgage history paid . ; Verified credit history - Borrower's credit report in file (pg.) reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history |  | &nbsp;&nbsp;&nbsp;&nbsp;- Legal Description, Address and Ta ID match Title Policy. | Sold C A |
| 2023010969 | XXX | 934220 | XXX | Credit | Pur XXX Contract is Deficient | CRED 0085 | 2 | Acknowledged | Missing Addendum for Closing date as . Pur XXX Contract pg. reflects "On or About " however HUD pg. closing date and no addendum in file. |  | Verified housing payment history - Credit report (pg.) in file reflects months of satisfactory mortgage history paid . ; Verified credit history - Borrower's credit report in file (pg.) reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history |  | Mitigated Risk: - Lender provided letter from Seller etending the closing date to Borrower did not eecute but closing occurred on Eception overridden to EV status for Immaterial issue. | Sold C B |
| 2023010969 | XXX | 934221 | XXX | Compliance | Missing evidence of the Seller HUD1 | HUD 0027 | 1 | Closed | The Seller HUD not in file however Seller signed HUD pg. |  | Verified housing payment history - Credit report (pg.) in file reflects months of satisfactory mortgage history paid . ; Verified credit history - Borrower's credit report in file (pg.) reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history |  | : HUD in file is combined buyer and seller HUD. Eception cleared. | Sold C A |
| 2023010969 | XXX | 934323 | XXX | Credit | Missing or Incomplete 4506-T4506-C | CRED 0095 | 1 | Closed | -T - C not in file. |  | Verified housing payment history - Credit report (pg.) in file reflects months of satisfactory mortgage history paid . ; Verified credit history - Borrower's credit report in file (pg.) reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history |  | MWB - ProductXXX requires for Wage Earner Program only. | Sold C A |
| 2023010847 | XXX | 935514 | XXX | Property | Non Standard Agency Form Type payments are not applied on the scheduled due date | NOTE 0064 | 1 | Closed | Payments Paragraph of Note (Paragraph Section B) specifies that payments will be applied to Interest before Principal, and does not specify that payments will be applied as of their scheduled date. This could result in a DSI calculation that causes delayed amortization and a balloon payment.<br>This note also includes a default interest rate of .<br>|  | None - Transaction closed at LTV which is below allowable LTV per programXXX.; None - Borrower has qualifying FICO which eceeds minimum required per guidelines.; None - Borrower has months of verified reserves post-closing which eceeds mo required per guidelines. Calculated reserves is conservative as file contains additional evidence of reserve. | : Received copy of draft revised Note which has correct payment amount, no DSI and no default interest rate. <br>\*\*\*Finding remains pending borrower signature. | Received copy of eecuted revised Note which has correct payment amount, no DSI and no default interest rate. | Sold C A |
| 2023010847 | XXX | 935518 | XXX | Compliance | APN Number is not listed on Security Instrument | COLL 0001 | 1 | Closed | APN not listed on DOT or Ehibit A |  | None - Transaction closed at LTV which is below allowable LTV per programXXX.; None - Borrower has qualifying FICO which eceeds minimum required per guidelines.; None - Borrower has months of verified reserves post-closing which eceeds mo required per guidelines. Calculated reserves is conservative as file contains additional evidence of reserve. |  | Ehibit A to the mortgage received. APN is not in Eb A however the legal matches title which is sufficient. | Sold C A |
| 2023010847 | XXX | 935519 | XXX | Compliance | Missing Legal Description on MortgageDOT | DEED 0021 | 1 | Closed | Ehibit A does not include legal description, it just reads to see attached legal description. |  | None - Transaction closed at LTV which is below allowable LTV per programXXX.; None - Borrower has qualifying FICO which eceeds minimum required per guidelines.; None - Borrower has months of verified reserves post-closing which eceeds mo required per guidelines. Calculated reserves is conservative as file contains additional evidence of reserve. |  | Ehibit A to the mortgage received. | Sold C A |
| 2023010847 | XXX | 935577 | XXX | Credit | Missing evidence of Hazard Insurance | HAZ 0005 | 1 | Closed | Unable to locate Hazard Insurance Policy for Subject Property in file. Subject to re-verification upon receipt. |  | None - Transaction closed at LTV which is below allowable LTV per programXXX.; None - Borrower has qualifying FICO which eceeds minimum required per guidelines.; None - Borrower has months of verified reserves post-closing which eceeds mo required per guidelines. Calculated reserves is conservative as file contains additional evidence of reserve. |  | HOI policy received. | Sold C A |
| 2023010847 | XXX | 935615 | XXX | Credit | Final 1003 Application is Incomplete | APP 0002 | 2 | Acknowledged | Monthly Ta and Insurance and Mortgage Loans on Property not completed for Section of Final . |  | None - Transaction closed at LTV which is below allowable LTV per programXXX.; None - Borrower has qualifying FICO which eceeds minimum required per guidelines.; None - Borrower has months of verified reserves post-closing which eceeds mo required per guidelines. Calculated reserves is conservative as file contains additional evidence of reserve. |  | Client: - Received email notification from Investor to waive eception due to DSCR loan and overall comp factors. | Sold C B |
| 2023010847 | XXX | 935681 | XXX | Credit | Unacceptable Mortgage History | CRED 0001 | 1 | Closed | Per XXX Credit Guidelines DSCR v.f . . Housing History , Verification of Mortgage Verification of Rent (VOMVOR): Applications must be supported by the most recent - month mortgage or rent pay history. A VOM should be obtained for all outstanding mortgages the borrowers have or are shown by their credit report. Credit Report contains mortgage history through . Mortgage statement in file not sufficient to support payment was remitted. <br>Additionally, Final shows borrower owns additional properties. Unable to locate support in file that properties are unencumbered and do not require VOMs. |  | None - Transaction closed at LTV which is below allowable LTV per programXXX.; None - Borrower has qualifying FICO which eceeds minimum required per guidelines.; None - Borrower has months of verified reserves post-closing which eceeds mo required per guidelines. Calculated reserves is conservative as file contains additional evidence of reserve. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Recd evidence of the March st payment | Sold C A |
| 2023010847 | XXX | 935748 | XXX | Compliance | File Documentation is Incomplete | COMP 0047 | 1 | Closed | Unable to locate Business Purpose Affidavit in loan file. Per XXX Credit Guidelines DSCR V , Occupancy Eligibility , all investment property programs require the signed Business Purpose affidavit. |  | None - Transaction closed at LTV which is below allowable LTV per programXXX.; None - Borrower has qualifying FICO which eceeds minimum required per guidelines.; None - Borrower has months of verified reserves post-closing which eceeds mo required per guidelines. Calculated reserves is conservative as file contains additional evidence of reserve. |  | &nbsp;&nbsp;&nbsp;&nbsp;Lender provided a copy of eecute Business Purpose Affidavit | Sold C A |
| 2023010980 | XXX | 933661 | XXX | Credit | Missing copy of green card for non-permanent resident. | CRED 0122 | 1 | Closed | Missing non-permanent resident documentation. |  | Conservative use of credit - Borrowers revolving credit utilization is . |  | - Recd EAD authorization card | Sold C A |
| 2023010980 | XXX | 935315 | XXX | Property | Missing Third Party Appraisal Review | APPR 0046 | 1 | Closed | Missing CDAARR dated prior to the Transaction date of as required by the XXX credit guidelines.; Per guidelines- Appraisal reviews are required for all loan amounts. Any loan amount over , , will require full appraisals. The lesser of the two is to be used for valuation for the loan file. When full appraisals are provided an additional valuation, report is not required. However, when only appraisal is provided the follow secondary report is required. |  | Conservative use of credit - Borrowers revolving credit utilization is . |  | eception set in error, SSR score is | Sold C A |
| 2023010980 | XXX | 935321 | XXX | Credit | Credit Documentation is Insufficient | CRED 0093 | 2 | Acknowledged | Missing a LOE regarding derogatory subject history in the copy of Modification from . (title pg and payment history) |  | Conservative use of credit - Borrowers revolving credit utilization is . | &nbsp;&nbsp;&nbsp;&nbsp;- Recd LOE from the borrower for late payments in October . Eception remains as the modification was not addressed, however Investor has waived this finding.<br>- Received response from the lender:<br>The borrower took the modification in and was not late as the payment history shows, it was offered to all Pennymac customers as a courtesy with no application required, due to the shutdown in . Payments were made timely before that and not late so they did not take it out of not being able to make the payments but to help absorb costs as borrower is se. All payments were paid up and continued to be paid in a timely manner after that period ended in and made all payments since then in a timely manner. <br>\*Eception remains, see response to GIDE . No LOE from the borrower has been provided to eplain the modification to resolve this eception. | Client: EV Investor approved eception. | Sold C B |
| 2023010980 | XXX | 935584 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 2 | Acknowledged | Mortgage history for subject (pg and title (pg) indicate the subject loans was modified . Total mths of seasoning . Per the XXX guidelines" Forbearance, deferred payments, or mortgage loan modification are unacceptable credit events and disqualifies borrower(s) from financing. Eamples of mortgage loan modifications are:) Forgiveness of a portion of principal andor interest on either the first or second mortgage,) Application of a principal curtailment by or on behalf of the investor to simulate principal forgiveness;) Conversion of any portion of the original mortgage debt to a "soft" subordinate mortgage;) Conversion of any portion of the original mortgage debt from secured to unsecured |  | Conservative use of credit - Borrowers revolving credit utilization is . | &nbsp;&nbsp;&nbsp;&nbsp;- Recd LOE from the borrower for late payments in October . Eception remains as the modification was not addressed, however Investor has waived this finding.<br>- Received response from the lender:<br>The borrower took the modification in and was not late as the payment history shows, it was offered to all Pennymac customers as a courtesy with no application required, due to the shutdown in . Payments were made timely before that and not late so they did not take it out of not being able to make the payments but to help absorb costs as borrower is se. All payments were paid up and continued to be paid in a timely manner after that period ended in and made all payments since then in a timely manner. <br>\*Eception remains, payment history in the file does not include due dates but it appears the October payment was not made until , and there were no payments between and Mortgage history does not support the borrower has made timely payments, and guidelines do not provide an allowance for COVID related forbearancemodification. | Client: EV Investor approved eception. | Sold C B |
| 2023010977 | XXX | 935502 | XXX | Property | Appraisal is Incomplete | APPR 0002 | 1 | Closed | Missing assignment of appraisal from XXX to the Lender or Broker. LenderClient per appraisal is XXX which does not match the Broker or lender of the subject transaction. |  | Verified reserves - epert Enhanced Alt Doc Program creditXXX, pg reserves required are months, borrower has verified months.; Established credit history - Borrower has an established credit history as reflected by his credit report on pg. . |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received processor's cert stating: "Please be advised that XXX and Blue Point Mortgage are one and the same company. Please waive the condition. <br>\*Eception Cleared. No assignment is required if same. | Sold C A |
| 2023010977 | XXX | 935517 | XXX | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 1 | Closed | Lender to confirm if borrower was approved using mths Personal Bank Statements or mths business bank statements for business's. Per the final Income was broken out for each business. Bank Statement calculators in file for each business however mths statements for each business were not provided.) XXXC (Calculator pg , Statements) XXX (Calculator Statements ) XXX (Calculator Statements<br>\*\*Personal Bank Statement Calculator with mths statements pg supports monthly income of , which is higher than the income reflects on the business calculators \*\* |  | Verified reserves - epert Enhanced Alt Doc Program creditXXX, pg reserves required are months, borrower has verified months.; Established credit history - Borrower has an established credit history as reflected by his credit report on pg. . |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received Lender response of: "Used months personal assets and months business assets from those specified. Then, used of the deposits from the business assets to the personal assets for each specific business over the month average for each. The months are not solely what is sued to complete an average of the income, even if there was only one business. All deposits over the month period into the personal assets would be averaged to complete the income calculation. This was a bit of an unusual case, but this was the best way to qualify the multiple business sources of income.<br>\*Eception Cleared - Guidelines stated that Income documented separately, but co-mingled must be backed out of deposits. Review calculated income based on - months Personal Bank Statements at , Final and in file reflect total combined income of - businesses at , which was used to qualify by Review since Review calculated a higher amount from the bank statement review. Review adjusted income down to match to the income reflected on the final . | Sold C A |
| 2023010976 | XXX | 935533 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 2 | Acknowledged | Missing Initial Application. Review used credit report date of for initial date. |  |  |  | Client: EV Non-Material. | Sold C B |
| 2023010976 | XXX | 935548 | XXX | Credit | Missing Flood Insurance Cert. | FLOOD 0007 | 1 | Closed | Missing flood certification. (Per Appraisal Zone) |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received missing Flood Cert for the subject property reflecting Zone "". \*Eception Cleared. | Sold C A |
| 2023010976 | XXX | 935693 | XXX | Credit | Unacceptable Mortgage History | CRED 0001 | 1 | Closed | Missing most recent mths mortgage history for the following REO as the mortgages are not reported on the credit report:) Subject - ending in .) XXX A# ending in .<br>Per the XXX guidelines:" Verification of Mortgage Verification of Rent (VOMVOR): Applications must be supported by the most recent - month mortgage or rent pay history. A VOM should be obtained for all outstanding mortgages the borrowers have or are evidenced by their credit report. The VOMVOR is reviewed for delinquencies with the greatest weight focused on the last months. Acceptable methods of a Verification are:<br> - Computer Pay History printout directly from Mortgage Lender.<br> - Months of Bank Statements showing timely payment of rent or mortgage.<br> - Credit Bureau Report reflecting a pay history over the last months.<br> - Cancelled Checks front and back or months bank statements showing payment withdrawals and a year-end mortgage statement. |  |  |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received two mortgage ratings. Account ending # reflecting a payment history with . For the second payment history dated for acct ending in # , the servicer noted that the account was opened in and and were made and account transferred in . Borrower made payment but posting did not occur. Lender addressed that funds were reapplied and account current and due for . While it appears one payment was considered delinquent, it was not due to none-payment, it was a clerical error on the part of Servicing. Account is confirmed to no longer be delinquent and is due for . <br>\*Eception Cleared. | Sold C A |
| 2023010846 | XXX | 934519 | XXX | Compliance | Calculated Amortized Term does not match Term of Note | CRED 0070 | 1 | Closed | The disclosed Principal and Interest payment disclosed on the Note of does not match the calculated payment of for loan amount of , and rate of . CD discloses correct payment (pg) |  | Verified reserves - months reserves remain when months is required per guidelines. | : Received copy of proposed revised Note. This one has correct P&I, does not have DSI and does not have default interest.<br>\*\*\*\*Finding remains pending borrower signature. <br>: Received copy of proposed revised Note.<br>\*\*\*Finding remains: this is same version reviewed on . P&I is correct but still has DSI feature.<br>: Received copy of proposed revised Note. This will resolve the P&I amount, but is not acceptable as proposed Note has DSI feature. Finding remains. | &nbsp;&nbsp;&nbsp;&nbsp;- Received a copy of the eecuted revised Note. <br>\*Eception Cleared. | Sold C A |
| 2023010846 | XXX | 934564 | XXX | Compliance | Estimated Total MinimumMaimum Payment Amount does not match the Disclosed Closing Disclosure Projected Payments Table (12 CFR 1026.37(b)(3)) | TRID 0092 | 1 | Closed | The disclosed Principal and Interest payment disclosed on the Note of does not match the calculated payment of for loan amount of , and rate of . CD discloses correct payment (pg) -- The Maimum Principal and Interest Payment Amount in column of the Disclosed Closing Disclosure Projected Payments Table does not match the value in the System Calculated Projected Payments Table. The Disclosed Projected Payments Table contains a value of (), while the Calculated Projected Payments Table has a value of ().;<br>The Estimated Total Maimum Payment Amount in column of the Disclosed Closing Disclosure Projected Payments Table does not match the value in the System Calculated Projected Payments Table. The Disclosed Projected Payments Table contains a value of (), while the Calculated Projected Payments Table has a value of ().<br>The Maimum Principal and Interest Payment Amount in column of the Disclosed Closing Disclosure Projected Payments Table does not match the value in the System Calculated Projected Payments Table. The Disclosed Projected Payments Table contains a value of (), while the Calculated Projected Payments Table has a value of (). |  | Verified reserves - months reserves remain when months is required per guidelines. | : Received copy of proposed revised Note. This will resolve the P&I amount, but is not acceptable as proposed Note has DSI feature. Finding remains. | &nbsp;&nbsp;&nbsp;&nbsp;- Received a copy of the eecuted revised Note. <br>\*Eception Cleared. | Sold C A |
| 2023010846 | XXX | 934565 | XXX | Compliance | Corrected Closing Disclosure No Later Than 3 Business Days Before Consummation (Inaccurate Loan Product) | TRID 0004 | 1 | Closed | The Loan Product of (Fied Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Negative Amortization, Fied Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than business days before the consummation date of (--). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (CFR (f)(ii)(A)); (f)(iii); (f)(ii)(B))<br>The Loan Product of (Fied Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Negative Amortization, Fied Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than business days before the consummation date of (--). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (CFR (f)(ii)(A)); (f)(iii); (f)(ii)(B)) |  | Verified reserves - months reserves remain when months is required per guidelines. | : Received copy of proposed revised Note. This will resolve the P&I amount and product type eception, but is not acceptable as proposed Note has DSI feature. Finding remains. | &nbsp;&nbsp;&nbsp;&nbsp;- Received a copy of the eecuted revised Note. <br>\*Eception Cleared. | Sold C A |
| 2023010846 | XXX | 934566 | XXX | Compliance | Last Closing Disclosure Total Interest Percentage (TIP) > System Calculated | TRID 0078 | 1 | Closed | The Last Closing Disclosure Total Interest Percentage (TIP) of () is greater than the system calculated TIP of (). The difference is (). The TIP is the total amount of interest that the borrower will pay over the loan term as a percentage of the note amount. It is the loan's total interest payments plus prepaid interest divided by the note amount, calculated as follows: (+). (CFR (o))<br>The Last Closing Disclosure Total Interest Percentage (TIP) of () is greater than the system calculated TIP of (). The difference is (). The TIP is the total amount of interest that the borrower will pay over the loan term as a percentage of the note amount. It is the loan's total interest payments plus prepaid interest divided by the note amount, calculated as follows: (+). (CFR (o)) |  | Verified reserves - months reserves remain when months is required per guidelines. | : Received copy of proposed revised Note. This will resolve the P&I amount and TIP eception, but is not acceptable as proposed Note has DSI feature. Finding remains. | &nbsp;&nbsp;&nbsp;&nbsp;- Received a copy of the eecuted revised Note. <br>\*Eception Cleared. | Sold C A |
| 2023010846 | XXX | 934569 | XXX | Property | XXX Appraisal Requirements are Not Met | APPR 0044 | 1 | Closed | "Appraisal does not include a statement that the appraisal was prepared in accordance with the requirements of Title I of XXX as required for XXX Loans.<br>Appraisal requirement of XXX statement is missing resulting in an XXX. |  | Verified reserves - months reserves remain when months is required per guidelines. |  | &nbsp;&nbsp;&nbsp;&nbsp;- rec'd appraisal with XXX statement on page of appraisal. | Sold C A |
| 2023010846 | XXX | 934929 | XXX | Property | Non Standard Agency Form Type payments are not applied on the scheduled due date | NOTE 0064 | 1 | Closed | Payments Paragraph of Note (Paragraph Section B) specifies that payments will be applied to Interest before Principal, and does not specify that payments will be applied as of their scheduled dated. This could result in a DSI calculation that causes delayed amortization and a balloon payment.<br>This note also includes a default interest rate of . |  | Verified reserves - months reserves remain when months is required per guidelines. | : Received copy of proposed revised Note. This one has correct P&I, does not have DSI and does not have default interest.<br>\*\*\*\*Finding remains pending borrower signature. <br>: Received copy of proposed revised Note. This will resolve the P&I amount, but is not acceptable as proposed Note has DSI feature. Finding remains. | &nbsp;&nbsp;&nbsp;&nbsp;- Received a copy of the eecuted revised Note. <br>\*Eception Cleared. | Sold C A |
| 2023010846 | XXX | 935696 | XXX | Credit | Income Documentation is Insufficient | CRED 0082 | 2 | Acknowledged | Missing all personal and business bank statements required to validate income of , used to qualify. Bank Statement Calculator pg for XXX Business A# ending in reflects statements for - were utilized. Bank Statement Calculator pg reflects mths personal statements for XXX A# ending in were utilized. Final review pending receipt of complete credit file. |  | Verified reserves - months reserves remain when months is required per guidelines. | &nbsp;&nbsp;&nbsp;&nbsp;- INVESTOR TO REVIEW: Received internal Loan Eception Request (-pg document) for Eception to approve DTI at listing compensating factors of FICO (points over minimum requirement for LTV), residual income and + months reserves. Lender provided updated and to reflect income and DTI calculations based on bank statements provided (see CRED). <br>\*Eception Remains: INVESTOR TO REVIEW for final approval. Investor overlay does not allow > DTI. <br>- Received - pg. document of - months business bank statements from to for account ending # starting on page - of document. Other pages related to CRED . <br>\*Eception Remains. Income calculation results in a lower income figure then reflected on in file (pg.) and results in higher DTI eceeding (). See additional eception for ecessive DTI. | Client: - Received Investor email stating: "We accept this eception based on the comp factors: : Mid FICO FICO (points over minimum requirement for LTV), residual income and + months reserves. | Sold C B |
| 2023010846 | XXX | 935753 | XXX | Credit | Asset Documentation is Insufficient | CRED 0083 | 1 | Closed | Missing all personal and business bank statements to document sufficient funds to close and required reserves. |  | Verified reserves - months reserves remain when months is required per guidelines. |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received - pg. document with pages being business quarterly statement for account ending # and pages - for months statements of personal accounts ending # , # and # . Other pages related to CRED . \* Eception Cleared. | Sold C A |
| 2023010846 | XXX | 935756 | XXX | Credit | Credit Documentation is Insufficient | CRED 0093 | 2 | Acknowledged | Missing required Business Narrative (XXX Credit Guidelines v pg.) |  | Verified reserves - months reserves remain when months is required per guidelines. |  | Mitigated Risk: - Received Business Narrative dated which is post-closing to transaction date and esigned by borrower. <br>\*Eception Overridden to EV status due to being dated post-closing. | Sold C B |
| 2023010846 | XXX | 945350 | XXX | Credit | Back-end Ratio eception (DTI) | CRED 0004 | 2 | Acknowledged | \*NEW\* DTI of eceeds ma allowed of . DTI calculates based on - month bank statements provided for monthly income calculation of per month. |  | Verified reserves - months reserves remain when months is required per guidelines. | &nbsp;&nbsp;&nbsp;&nbsp;- INVESTOR TO REVIEW: Received internal Loan Eception Request (-pg document) for Eception to approve DTI at listing compensating factors of FICO (points over minimum requirement for LTV), residual income and + months reserves. Lender provided updated and to reflect income and DTI calculations based on bank statements provided (see CRED). <br>\*Eception Remains: INVESTOR TO REVIEW for final approval. Investor overlay does not allow > DTI. | Client: - Received Investor email stating: "We accept this eception based on the comp factors: Mid FICO FICO (points over minimum requirement for LTV), residual income and + months reserves. <br>| Sold C B |
| 2023010953 | XXX | 934771 | XXX | Compliance | Missing Affiliated Business Disclosure | COMP 0010 | 2 | Acknowledged | Unable to locate Affiliated Business Disclosure in loan file. FACTS in file for . Per FACTS Affiliates areXXX, XXX., and Integrated Real Estate Services. |  | Established credit history - Borrower's credit report in file (pg.) reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history |  | Client: EV Review verified no affiliates were utilized per CD. | Sold C B |
| 2023010953 | XXX | 939029 | XXX | Property | Property Type is prohibited | PROP 0002 | 2 | Acknowledged | Lender Acknowledged Eception - Eception Request: Property is mied use, business of care-giver is being ran from the subject property. Compm noted by lender: Solid credit, yrs depth, yrs MTG history, all paid as agreed. Borrowers started their healthcare business on , the business provides custodial and skilled nursing services in dementia care. Cashing out for debt consolidations, will save appro. month, plus getting cash in hand. Solid DTI with residual income. months in reserves PITIA with cash out proceeds. Solid LTV, borrowers<br> acquired subject property on . Property is a mied-use, as the business of care-giver is being ran from the subject property. Appraiser noted that the business does not present any negative marketability issues or affect the value. There is no significant modifications to supplement the business operations, residential in nature. Per appraiser, the subject property mied use is legalpermissible under local<br> codezoning requirements. XXX appraisal risk review shows variance. \*\*\* PENDING INVESTOR ACKNOWLEDGEMTN TO ACCEPT \*\*\*\* |  | Established credit history - Borrower's credit report in file (pg.) reflects an established credit history since . History reports no late payments made based on the months reviewed for every account in the borrower's history |  | Client: Investor Acknowledged Eception for Mied-Use Property based on comp factors noted by lender. | Sold C B |
| 2023010952 | XXX | 938699 | XXX | Credit | Final 1003 Application is Incomplete | APP 0002 | 2 | Acknowledged | Final is incomplete. Section Financial Information required to be completed for each property. |  | Verified reserves - Borrower has months reserves post-closing which eceeds mo required per guidelines.; Established Landlord history - Borrower has been a Landlord for over years.; Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. | &nbsp;&nbsp;&nbsp;&nbsp;- Received Lender response of: Loans qualified under NQM Investor are classified as business loans. A DSCR is calculated in order to determine if borrower qualifies. As DTI is not considered in qualifying, the financial information (PITI) for each property is not required to be documented or filled out on the .<br>\*Eception Remains\* - All sections of the should be completed. Financial information under section should be included so as to pair up REO with correct financial information to confirm all REO is properly listed. | Mitigated Risk: - Recd post closing updated with the financial information added to the REO schedule. | Sold C B |
| 2023010952 | XXX | 938712 | XXX | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 2 | Acknowledged | Per PCCD Loan Disbursement Date is and Prepaid Interest collected starting on . |  | Verified reserves - Borrower has months reserves post-closing which eceeds mo required per guidelines.; Established Landlord history - Borrower has been a Landlord for over years.; Low LTVCLTVHCLTV - Transaction closed at LTV which is below allowable LTV per programXXX.; Verified credit history - Borrower has qualifying FICO which eceeds minimum required per guidelines. |  | Client: EV. Business purpose loan, not subject to compliance testing. | Sold C B |
| 2023010978 | XXX | 936439 | XXX | Compliance | Missing Initial 1003 Application | APP 0003 | 1 | Closed | Unable to locate Initial Application in loan file. |  | Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for an Investment Cash Out transaction with FICO .; Verified housing payment history - Credit report (pg.) in file reflects months of satisfactory mortgage history paid . |  | - Initial not required for DSCR | Sold C A |
| 2023010978 | XXX | 936466 | XXX | Property | Missing Third Party Appraisal Review | APPR 0046 | 2 | Acknowledged | Unable to located Appraisal Review in loan file. Per XXX Credit Guidelines DSCR , Section Valuation Overview , appraisal reviews required for all loan amounts. |  | Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for an Investment Cash Out transaction with FICO .; Verified housing payment history - Credit report (pg.) in file reflects months of satisfactory mortgage history paid . | - Recd from lender: Collateral Underwriter Risk Score is please waive"<br>\*INVESTOR TO REVIEW Per XXX guidelines a CDA is required and does not provide SSR scores as an alternative.<br>- Recd from lender: Collateral Underwriter Risk Score is please waive"<br>\*INVESTOR TO REVIEW Per XXX guidelines a CDA is required and does not provide SSR scores as an alternative. | Client: Investor acknowledged eception based of FNMA SSR Score of . | Sold C B |
| 2023010978 | XXX | 936486 | XXX | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 1 | Closed | Hazard Policy does not indicate amount of Rent Loss Coverage. Per XXX Credit Guidelines DSCR Investment Programs Guidelines, Section Debt Service Coverage Rent loss or loss of use coverage of months PITIA is required. |  | Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for an Investment Cash Out transaction with FICO .; Verified housing payment history - Credit report (pg.) in file reflects months of satisfactory mortgage history paid . |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received a snip of "how does Loss of Rents work". Included is of Coverage D - Loss of Rents coverage on a non-owner occupied policies provides coverage for the following situations: . If a covered property loss makes the residence premises rented to others or held for rental by you unfit to live in, we cover the Loss of Rents. for shortest time needed to make the rental fit to live in but not to eceed consecutive months from the date of loss. <br>\*Eception cleared, Hazard policy in file from XXX Insurance reflects Coverage D - Loss of Rents Covered. Ma amount is months, thus guideline met. | Sold C A |
| 2023010978 | XXX | 937719 | XXX | Compliance | Loan Disbursement Date and Interest From on HUD do not match | HUD 0028 | 1 | Closed | Per Final Alta Settlement Statement loan disbursed on and prepaid interest began on |  | Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for an Investment Cash Out transaction with FICO .; Verified housing payment history - Credit report (pg.) in file reflects months of satisfactory mortgage history paid . |  | - Reviewed file, eception cleared. One additional day interest is allowed in , per diem disclosure available p | Sold C A |
| 2023010978 | XXX | 939041 | XXX | Credit | Guideline Eception(s) | GIDE 0001 | 1 | Closed | File does not contain proof of year property management eperience. Per XXX Credit Guidelines DSCR v proof of management history for at least year is required. |  | Low LTVCLTVHCLTV - Subject property LTVCLTV is when ma allowable is for an Investment Cash Out transaction with FICO .; Verified housing payment history - Credit report (pg.) in file reflects months of satisfactory mortgage history paid . |  | &nbsp;&nbsp;&nbsp;&nbsp;- Received lender response of: "Borrower has owned this property since , the lease is just when the tenant started to rent. Please find property profile reuploaded. The last full sale information (sale date). <br>\*Eception Cleared. Ownership on property profile reflects since . | Sold C A |

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## Exhibit 99.23

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.23**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number (Selling Lender)** | **Loan Number (Purchasing Lender)** | **Data Field** | **Tape Data** | **IB Review Value** | **Discrepancy Comments** |
| 2023010908 | XXX | Loan Purpose | XXX | XXX | Per closing disclosure limited cash to borrower, less thanor XXX |
| 2023010908 | XXX | Total Debt to Income Ratio | XXX | XXX | Review variance is less thanand considered non-material |
| 2023010908 | XXX | Representative Credit Score | XXX | XXX | Approval supports FICO score of XXX is middle of two on primary borrower |
| 2023010845 | XXX | Property Type | XXX | XXX | Tape shows Property Type as Single Family - Detached; changed to Two Family Appraisal on page XXX. |
| 2023010845 | XXX | Amortization Type | XXX | XXX | Tape shows Amortization Type as Fixed Rate; changed to Fixed I/O per Note on page XXX. |
| 2023010900 | XXX | Total Debt to Income Ratio | XXX | XXX | DTI is XXX per review. Tax amount on Final CD does not match - tax records showing taxes XXX per month, making DTI higher. |
| 2023010912 | XXX | Property Type | XXX | XXX | Per appraisal, this is X floor condo. |
| 2023010912 | XXX | U/W Doc Type | XXX | XXX | Per approval, Doc Type is DSCR. |
| 2023010904 | XXX | Total Debt to Income Ratio | XXX | XXX | UTD Tape Value.<br>Review DTI XXX, Lender DTI XXX.<br>Review variance is less thanand considered non-material<br>|
| 2023010904 | XXX | U/W Doc Type | XXX | XXX | Verified XX months bank statements per XXX and documentation in file. worksheet on page XXX. |
| 2023010910 | XXX | U/W Doc Type | XXX | XXX | Loan is DSCR verified per XXX p.XX |
| 2023010909 | XXX | U/W Doc Type | XXX | XXX | Doc type is DSCR per XXX. |
| 2023010911 | XXX | Original Loan to Value | XXX | XXX | Discrepancy due to rounding and considered non-material. |
| 2023010911 | XXX | U/W Doc Type | XXX | XXX | Doc type is DSCR per XXX. |
| 2023010919 | XXX | Property Type | XXX | XXX | Per Appraisal Pg XXX, property is a condo. |
| 2023010919 | XXX | Total Debt to Income Ratio | XXX | XXX | Discrepancy is non-material. |
| 2023010919 | XXX | Representative Credit Score | XXX | XXX | XXX credit score is verified lowest average of two borrowers Pg XX |
| 2023010919 | XXX | U/W Doc Type | XXX | XXX | Income documentation used for qualification verified to be business bank statements. |
| 2023010903 | XXX | Original Loan to Value | XXX | XXX | Per XXX, LTV XXX |
| 2023010903 | XXX | Total Debt to Income Ratio | XXX | XXX | UTD Tape Value.<br>Review DTI XXX, Lender DTI XXX.<br>No variance |
| 2023010903 | XXX | Amortized Original Term | XXX | XXX | Confirmed with Note XXX months term; XXX month I/O with XXX month amortized years XX-XX |
| 2023010903 | XXX | U/W Doc Type | XXX | XXX | Confirmed XX Months Business bank statement income calculation |
| 2023010920 | XXX | Property Type | XXX | XXX | Property verified as PUD - Detached per appraisal. |
| 2023010920 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender approved DTI XXX, review DTI XXX due to rounding, non-material difference. |
| 2023010920 | XXX | U/W Doc Type | XXX | XXX | Per loan apvl = NQM Asset Qualification. |
| 2023010913 | XXX | Property Type | XXX | XXX | Property verified as PUD - Detached per appraisal. |
| 2023010913 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender's DTI calculation XXX review XXX Non-Material discrepancy |
| 2023010913 | XXX | U/W Doc Type | XXX | XXX | Doc type verified as XX Months bank statement. |
| 2023010917 | XXX | Total Debt to Income Ratio | XXX | XXX | UTD Tape Value.<br>Review DTI XXX, Lender DTI XXX.<br>No variance. |
| 2023010917 | XXX | U/W Doc Type | XXX | XXX | per XXX and documentation in file, XX mo business bank statements. |
| 2023010905 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender approved DTI is XXX and Review DTI is XXX.<br> Review variance is less thanand Review value is less than the max allowed per investor guidelines. |
| 2023010905 | XXX | U/W Doc Type | XXX | XXX | per XXX and documentation in file; qualified with XX months personal bank statements. |
| 2023010914 | XXX | U/W Doc Type | XXX | XXX | Tape reflects Full/Alternate, loan was approved on the DSCR program. |
| 2023010902 | XXX | Total Debt to Income Ratio | XXX | XXX | Cause of discrepancy is unknown, Tape DTI XXX, Review DTI XXX. No Variance. |
| 2023010902 | XXX | U/W Doc Type | XXX | XXX | Source of tape is unknown, lender approved using XX mths business bank statements. |
| 2023010921 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender's DTI calculation XXX review DTI calculation XXX non-material discrepancy |
| 2023010921 | XXX | U/W Doc Type | XXX | XXX | Confirmed XX months bank statement income calculation |
| 2023010922 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender's DTI calculation XXX review DTI calculation XXX non-material discrepancy less than |
| 2023010915 | XXX | Total Debt to Income Ratio | XXX | XXX | XX % DTI no variance noted |
| 2023010915 | XXX | U/W Doc Type | XXX | XXX | XX Month Personal Bank Statement verified. |
| 2023010926 | XXX | U/W Doc Type | XXX | XXX | Per loan apvl DSCR. |
| 2023010923 | XXX | U/W Doc Type | XXX | XXX | Tape reflects Full/Alternate, loan was approved on the DSCR program. |
| 2023010916 | XXX | Property Type | XXX | XXX | Property type verified as Detached PUD per appraisal. |
| 2023010916 | XXX | Total Debt to Income Ratio | XXX | XXX | Discrepancy considered non-material. |
| 2023010916 | XXX | U/W Doc Type | XXX | XXX | Doc type verified as Business Bank statement. |
| 2023010924 | XXX | U/W Doc Type | XXX | XXX | Loan confirmed as DSCR per XXX approval |
| 2023010906 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender approved DTI XXX, review DTI XXX due to rounding, non-material difference. |
| 2023010906 | XXX | U/W Doc Type | XXX | XXX | XX mos bus bk stms per loan apvl & file. |
| 2023010918 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender approved DTI XXX, Review DTI XXX & due to rounding, non-material difference. |
| 2023010918 | XXX | U/W Doc Type | XXX | XXX | XX-ms Bus Bk Stmt program per loan loan apvl & file. |
| 2023010907 | XXX | U/W Doc Type | XXX | XXX | DSCR per loan apvl. |
| 2023010925 | XXX | Original Loan to Value | XXX | XXX | Rounding. |
| 2023010925 | XXX | Total Debt to Income Ratio | XXX | XXX | Rounding. |
| 2023010925 | XXX | Representative Credit Score | XXX | XXX | Higher mid-score @ XXX, lower mid-score @ XXX. |
| 2023010925 | XXX | U/W Doc Type | XXX | XXX | Asset Qualification per loan approval. |
| 2023011002 | XXX | Total Debt to Income Ratio | XXX | XXX | Review DTI XXX, Lender DTI XXX. Review variance is less thanand considered non-material |
| 2023011001 | XXX | Total Debt to Income Ratio | XXX | XXX | Approval DTI XXX. Review DTI XXXReview variance is less thanand considered non-material |
| 2023011001 | XXX | U/W Doc Type | XXX | XXX | Verified per XXX p.XXX & loan docs. |
| 2023011000 | XXX | Total Debt to Income Ratio | XXX | XXX | DTI per review is XXX, DTI per Approval XXX Non material variance. |
| 2023011000 | XXX | U/W Doc Type | XXX | XXX | UW Doc Type is XX mo. Bank statement-Business. |
| 2023010927 | XXX | Property Type | XXX | XXX | Property type X Unit verified per appraisal p.XXX |
| 2023010955 | XXX | Property Type | XXX | XXX | PUD detached per the appraisal. |
| 2023010955 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender's DTI calculation XXX review calculation XXX Non-material discrepancy less than |
| 2023010955 | XXX | U/W Doc Type | XXX | XXX | Confirmed XX months business bank statement income review/calculation. |
| 2023010928 | XXX | Property Type | XXX | XXX | PUD/X units per appraisal p.XXX |
| 2023010929 | XXX | Property Type | XXX | XXX | PUD per appraisal |
| 2023010929 | XXX | Total Debt to Income Ratio | XXX | XXX | UTD tape value. Lender DTI X.X reviewer DTI XXX less thanvariance. |
| 2023010929 | XXX | U/W Doc Type | XXX | XXX | Source of tape is unknown, Lender approved XX months business bank statements. |
| 2023010938 | XXX | Total Debt to Income Ratio | XXX | XXX | Variance is less thanand considered non-material. |
| 2023010938 | XXX | Representative Credit Score | XXX | XXX | Tape reflects lower mid fico for BX. Primary wage earner mid fico XXX. |
| 2023010938 | XXX | U/W Doc Type | XXX | XXX | Per loan file, hybrid doc level using wage and bank statement income to qualify. |
| 2023010937 | XXX | Property Type | XXX | XXX | Source of tape is unknown. Per the appraisal the subject is X story condo property. <br>|
| 2023010937 | XXX | Original Loan to Value | XXX | XXX | Tape original LTV of XXX Review original LTV of X.XXX based appraised vale of XXX.  |
| 2023010937 | XXX | Original Combined Loan to Value | XXX | XXX | Tape original LTV of XXX Review original LTV of X.XXX based appraised vale of XXX. |
| 2023010937 | XXX | Total Debt to Income Ratio | XXX | XXX | Source of tape is unknown, Lender approved DTI per XXX XXX, Review DTI XXX. Non-material discrepancy less than .<br>|
| 2023010936 | XXX | U/W Doc Type | XXX | XXX | DSCR per XXX |
| 2023010956 | XXX | Total Debt to Income Ratio | XXX | XXX | Review DTI XXX, Lender DTI XXX. |
| 2023010956 | XXX | U/W Doc Type | XXX | XXX | Source of tape is unknown, lender approved as XX mths Personal Bank Statement. |
| 2023010933 | XXX | Total Debt to Income Ratio | XXX | XXX | < variance non-material. |
| 2023010933 | XXX | U/W Doc Type | XXX | XXX | Confirmed with business bank statements. |
| 2023010932 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender XXX vs Review XXX DTI. Variance is due to review utilizing higher payment for HELOC due to recent draw. |
| 2023010932 | XXX | U/W Doc Type | XXX | XXX | Source of tape is unknown, lender approved as XX-mo Bank Statement-Business. |
| 2023010939 | XXX | Property Type | XXX | XXX | Detached PUD per apsl. |
| 2023010939 | XXX | Total Debt to Income Ratio | XXX | XXX | DTI Non-material discrepancy less than |
| 2023010939 | XXX | Representative Credit Score | XXX | XXX | Lower of mid-score = XXX. |
| 2023010939 | XXX | U/W Doc Type | XXX | XXX | Confirmed XX Months business bank statement income review/calculation |
| 2023010940 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender DTI XXX Review DTI XXX variance due to lender used XXX income and income is less per bank statement calculator. Max dti X |
| 2023010940 | XXX | U/W Doc Type | XXX | XXX | per XXX Doc type is XX months bank statements |
| 2023010931 | XXX | Property Type | XXX | XXX | Per Appraisal, detached PUD |
| 2023010931 | XXX | Total Debt to Income Ratio | XXX | XXX | Review DTI XXX lender DTI XXX no variance |
| 2023010931 | XXX | U/W Doc Type | XXX | XXX | Source of tape is unknown, Lender approved as XX months personal bank statements |
| 2023010930 | XXX | Total Debt to Income Ratio | XXX | XXX | Review DTI XXX lender DTI XXX |
| 2023010930 | XXX | U/W Doc Type | XXX | XXX | per XXX, XX months personal bank statements |
| 2023010934 | XXX | Property Type | XXX | XXX | Confirmed property type as Detached PUD per appraisal. |
| 2023010934 | XXX | U/W Doc Type | XXX | XXX | Doc type is DSCR per XXX. |
| 2023011004 | XXX | Representative Credit Score | XXX | XXX | XXX is qualifying mid-score. Tape reflects high score. |
| 2023011006 | XXX | Representative Credit Score | XXX | XXX | Confirmed with credit report. |
| 2023011005 | XXX | Representative Credit Score | XXX | XXX | Verified the primary borrower Mid score per credit report p.XXX |
| 2023011003 | XXX | Representative Credit Score | XXX | XXX | XXX is qualifying Mid-score |
| 2023010944 | XXX | Total Debt to Income Ratio | XXX | XXX | Discrepancy Non-material less than <br>|
| 2023010944 | XXX | Modification Maturity Date Stated | XXX | XXX |  |
| 2023010944 | XXX | U/W Doc Type | XXX | XXX | Confirmed XX-mo Bank Statement-Business income verification. |
| 2023010944 | XXX | Potential Lien Level | XXX | XXX | Note is Xst lien position. |
| 2023010944 | XXX | Calculated Modification Amortization Term | XXX | XXX |  |
| 2023010941 | XXX | Occupancy | XXX | XXX | Confirmed with XXX and occupancy statement. |
| 2023010941 | XXX | Modification Maturity Date Stated | XXX | XXX | Verified per note maturity date is XX/XX/XXX. |
| 2023010941 | XXX | U/W Doc Type | XXX | XXX | Confirmed DSCR Loan with XXX |
| 2023010941 | XXX | Potential Lien Level | XXX | XXX | Confirmed with note and title Xst lien position. |
| 2023010941 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | DSCR calculated using rent schedule |
| 2023010941 | XXX | Calculated Modification Amortization Term | XXX | XXX | Verified XXX months. |
| 2023010947 | XXX | Property Type | XXX | XXX | Per the appraisal the Property Type is Single Family-Detached. |
| 2023010947 | XXX | Occupancy | XXX | XXX | Loan approved as DSCR for investor occupancy. |
| 2023010947 | XXX | Modification Maturity Date Stated | XXX | XXX | Maturity date XXXXverified per Note. |
| 2023010947 | XXX | U/W Doc Type | XXX | XXX | Loan approved as DSCR. |
| 2023010947 | XXX | Potential Lien Level | XXX | XXX | Note is Xst lien position. |
| 2023010947 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | DSCR discrepancy. Property is vacant. Per lender guidelines, a X vacancy factor to apply to market rents. Lender worksheet in file gives XX market rents. |
| 2023010947 | XXX | Calculated Modification Amortization Term | XXX | XXX | Term is XXX and no modified term exists. |
| 2023010942 | XXX | Occupancy | XXX | XXX | Loan approved as DSCR for investor occupancy. |
| 2023010942 | XXX | Modification Maturity Date Stated | XXX | XXX | Maturity date XXXXverified per Note. |
| 2023010942 | XXX | U/W Doc Type | XXX | XXX | Loan approved as DSCR for investor occupancy. |
| 2023010942 | XXX | Potential Lien Level | XXX | XXX | Note is Xst lien position. |
| 2023010942 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Non material discrepancy. |
| 2023010942 | XXX | Calculated Modification Amortization Term | XXX | XXX | Term is XXX and no modified term exists. |
| 2023010945 | XXX | Property Type | XXX | XXX | Property is SFR Detached per appraisal Pg XXX |
| 2023010945 | XXX | Occupancy | XXX | XXX | Loan approved as DSCR for investor occupancy. |
| 2023010945 | XXX | Modification Maturity Date Stated | XXX | XXX | Maturity date XXXXverified per Note. |
| 2023010945 | XXX | U/W Doc Type | XXX | XXX | Loan approved as DSCR. |
| 2023010945 | XXX | Potential Lien Level | XXX | XXX | Note is Xst lien position. |
| 2023010945 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Non material discrepancy. |
| 2023010945 | XXX | Calculated Modification Amortization Term | XXX | XXX | Term is XXX and no modified term exists. |
| 2023010943 | XXX | Occupancy | XXX | XXX | Loan approved as DSCR for investor occupancy. |
| 2023010943 | XXX | Modification Maturity Date Stated | XXX | XXX | Maturity date XXXXverified per Note. |
| 2023010943 | XXX | U/W Doc Type | XXX | XXX | Loan approved as DSCR. |
| 2023010943 | XXX | Potential Lien Level | XXX | XXX | Note is Xst lien position. |
| 2023010943 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Non material discrepancy. |
| 2023010943 | XXX | Calculated Modification Amortization Term | XXX | XXX | Term is XXX and no modified term exists. |
| 2023010946 | XXX | Property Type | XXX | XXX | SFR Detach per appraisal XXX |
| 2023010946 | XXX | Occupancy | XXX | XXX | Tape data is null, occupancy confirmed as investment for business purpose. |
| 2023010946 | XXX | Modification Maturity Date Stated | XXX | XXX | Confirmed maturity date XXXXper note. |
| 2023010946 | XXX | Representative Credit Score | XXX | XXX | XXX is lower of both borr mid scores |
| 2023010946 | XXX | U/W Doc Type | XXX | XXX | Source of tape in unknown, loan approved as DSCR. |
| 2023010946 | XXX | Potential Lien Level | XXX | XXX | Xst Lien per XXX Pg X |
| 2023010946 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Approved DSCR X.XXX, Review DSCR X.XXX, variance is non-material. |
| 2023010946 | XXX | Calculated Modification Amortization Term | XXX | XXX | REMOVE |
| 2023010957 | XXX | Property Type | XXX | XXX | Per Appraisal (p. XXX), Subject Property is Three Family. |
| 2023010957 | XXX | Loan Purpose | XXX | XXX | Per Closing Disclosure (p. XXX), Borrower paid Xst position mortgage and received cash out. |
| 2023010957 | XXX | Original P&I Payment | XXX | XXX | Per Note (p. XXX), P&I is XXXXX. Tape Value reflects PITIA. |
| 2023010957 | XXX | U/W Doc Type | XXX | XXX | Loan Program is DSCR per XXX (p.X)<br>|
| 2023010957 | XXX | Potential Lien Level | XXX | XXX | Note is Xst lien position. |
| 2023010957 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | DSCR is XXX Rental Agreements (p. XXX, XXX, XXX) total XXX. PITIA for Subject Property is XXX. P&I from Note (p. XXX) is XXX Taxes per CD (p. XXX), HOI per policy XXX |
| 2023010957 | XXX | Modification ARM Index | XXX | XXX | Not applicable. |
| 2023010981 | XXX | Property Type | XXX | XXX | Verified Property type is two family per appraisal PG XXX |
| 2023010981 | XXX | Mortgage Notary Sign Date | XXX | XXX |  |
| 2023010981 | XXX | Potential Lien Level | XXX | XXX |  |
| 2023010981 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Non material discrepancy. |
| 2023010987 | XXX | Property Type | XXX | XXX | Confirmed with appraisal pXXX. |
| 2023010987 | XXX | Mortgage Notary Sign Date | XXX | XXX |  |
| 2023010987 | XXX | Total Debt to Income Ratio | XXX | XXX | Variance is non-material, and is due to IB using newer bank statements in calculation. |
| 2023010982 | XXX | Property Type | XXX | XXX | Property type verified per the appraisal p.XXX. |
| 2023010982 | XXX | Mortgage Notary Sign Date | XXX | XXX |  |
| 2023010982 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | x |
| 2023010970 | XXX | Property Type | XXX | XXX | Property type verified per appraisal in file. |
| 2023010970 | XXX | Amortization Type | XXX | XXX | Amortization Type of Fixed IO verified per Note. |
| 2023010970 | XXX | Mortgage Notary Sign Date | XXX | XXX |  |
| 2023010970 | XXX | Total Debt to Income Ratio | XXX | XXX | Rounding, non material variance |
| 2023010970 | XXX | Amortized Original Term | XXX | XXX | REMOVE IO |
| 2023010983 | XXX | Amortization Type | XXX | XXX | Amortization Type verified as Fixed IO per the Note. |
| 2023010983 | XXX | Amortized Original Term | XXX | XXX | REMOVE |
| 2023010983 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Non material discrepancy due to rounding. |
| 2023010984 | XXX | Amortization Type | XXX | XXX | Amortization Type Fixed IO verified per note. |
| 2023010984 | XXX | Original Combined Loan to Value | XXX | XXX | Per appraised value and loan amount; LTV is XX.X (rounding) |
| 2023010984 | XXX | Total Debt to Income Ratio | XXX | XXX | Approved DTI XXX, Review DTI XXX,variance is non-material. |
| 2023010984 | XXX | Amortized Original Term | XXX | XXX | REMOVE |
| 2023010988 | XXX | Amortization Type | XXX | XXX | Review Value captured as stated in the Note. |
| 2023010988 | XXX | Original Loan to Value | XXX | XXX | Calculated LTV is XXX. <br>Per XXX (pg. XXX) is XXX. Tape value appears to be due to rounding. |
| 2023010988 | XXX | Original Combined Loan to Value | XXX | XXX | Calculated CLTV is XXX. Per XXX (pg. XXX) is XXX. Tape value appears to be due to rounding. |
| 2023010988 | XXX | Amortized Original Term | XXX | XXX | Remove IO |
| 2023010988 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Review DSCR ratio is XXX Tape value per Lender is result of using Market Rent of XXX vs. current reported rents of XXX (pg. XXX). DSCR |
| 2023010989 | XXX | Property Type | XXX | XXX | Per Appraisal (p. XXX), Property Type is Four Family. |
| 2023010989 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Non material discrepancy. |
| 2023010971 | XXX | Total Debt to Income Ratio | XXX | XXX | Review variance is less thanand considered non-material. |
| 2023010997 | XXX | Amortization Type | XXX | XXX | Loan verified as X/X mos. ARM (IO) per Note. |
| 2023010997 | XXX | ARM Margin | XXX | XXX | REMOVE: Tape load error. |
| 2023010997 | XXX | Maximum Interest Rate | XXX | XXX | Per Note. |
| 2023010997 | XXX | Look Back | XXX | XXX | REMOVE: XX Days selected on ARM screen. |
| 2023010997 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender approved DTI XX.XXX, review DTI XXX. Non-material discrepancy less than . |
| 2023010997 | XXX | Amortized Original Term | XXX | XXX | REMOVE: IO loan. |
| 2023010997 | XXX | ARM Index | XXX | XXX | The ARM index is XX-day Average SOFR per Note. |
| 2023010972 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | NA Above X.X |
| 2023010973 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Non material discrepancy. |
| 2023010985 | XXX | Property Type | XXX | XXX | Property type verified per the appraisal. |
| 2023010985 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Approved DSCR of X.XX based on subject PITIA of XXX. Using Actual payment of XXX results in DSCR of XXX |
| 2023010990 | XXX | Amortization Type | XXX | XXX | per Note |
| 2023010990 | XXX | Mortgage Notary Sign Date | XXX | XXX | Tape Value is the Deed of Trust date. Review Value is the date the document was notarized. |
| 2023010990 | XXX | Amortized Original Term | XXX | XXX | I/O loan. XXX months I/O, XXX months amortized. |
| 2023010990 | XXX | Potential Lien Level | XXX | XXX | REMOVE: Same |
| 2023010991 | XXX | Total Debt to Income Ratio | XXX | XXX | Tape DTI is XX.XXX; IB Reviewer DTI is XXX. Non-material variance. |
| 2023010991 | XXX | U/W Doc Type | XXX | XXX | Per Tape, U/W Doc Type is XX-mo Bank Statements Business; Statements (p.XXX) in file are XX-mo Bank Statements-Personal. |
| 2023010991 | XXX | Potential Lien Level | XXX | XXX | First lien position |
| 2023010991 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | REMOVE. Loan approved with Personal Bank Statement program. No DSCR utilized. Source of tape is Lender DTI. |
| 2023010996 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender approved DTI XX.XXX, lender DTI XXX Variance due to lender only including P&I in DTI, review DTI calculated using PITI. |
| 2023010996 | XXX | Amortized Original Term | XXX | XXX | REMOVE - sib<br>Tape |
| 2023010996 | XXX | Potential Lien Level | XXX | XXX | REMOVE <br>PLUMS |
| 2023010996 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | REMOVE MAPPING - sib<br>Loan approved as a bank statement loan not a DSCR loan. Lender tape value is the lender reported DTI. |
| 2023010993 | XXX | Loan Type | XXX | XXX | Loan Type is Non-QM |
| 2023010993 | XXX | Amortization Type | XXX | XXX | Note pg XX reflects Interest Only Period Fixed Rate |
| 2023010993 | XXX | Original Loan to Value | XXX | XXX | LTV/CLTV is XXX based on Appraisal Value of $X,XXX,XXX |
| 2023010993 | XXX | Original Combined Loan to Value | XXX | XXX | LTV/CLTV is XXX based on Appraisal Value of $X,XXX,XXX |
| 2023010993 | XXX | Total Debt to Income Ratio | XXX | XXX | Review DTI is XXX and Lender DTI is XXX. <br>Review variance is less thanand considered non-material. |
| 2023010993 | XXX | Amortized Original Term | XXX | XXX | Amortized Original Term is XXX |
| 2023010993 | XXX | Original P&I Payment | XXX | XXX | Note pg XX reflects original P&I payment of XXXXX |
| 2023010993 | XXX | Representative Credit Score | XXX | XXX | XXX is Qualifying Mid-Score/ XXX is an updated Mid-Score p.XXX |
| 2023010993 | XXX | U/W Doc Type | XXX | XXX | Co-Mingled bank statements in file p.XXX-XXX |
| 2023010993 | XXX | Potential Lien Level | XXX | XXX | Lien Level is First |
| 2023010986 | XXX | Loan Type | XXX | XXX | Loan Type approved as DSCR which is NonQM product. |
| 2023010986 | XXX | Mortgage Notary Sign Date | XXX | XXX | Notary date verified per DOT/Mortgage. |
| 2023010986 | XXX | Original P&I Payment | XXX | XXX | Original P&I is XXX Per note |
| 2023010986 | XXX | Potential Lien Level | XXX | XXX | Note is Xst lien position. |
| 2023010986 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Non material discrepancy. |
| 2023010998 | XXX | Loan Type | XXX | XXX | REMOVE - sib <br>Loan approved as NonQM product. |
| 2023010998 | XXX | Mortgage Notary Sign Date | XXX | XXX | REMOVE - sib<br>Verified Note date is XXXXand Notary date is XX/XX/XXX. |
| 2023010998 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender approved DTI XX.XXX, review DTI XXX Non-material discrepancy less than . |
| 2023010998 | XXX | Original P&I Payment | XXX | XXX | Verified P&I is XXXXX per Note p.XXX |
| 2023010998 | XXX | Representative Credit Score | XXX | XXX | Data tape score appears to be highest of X scores. Verified XXX is qualifying Mid-Score. |
| 2023010998 | XXX | Potential Lien Level | XXX | XXX | REMOVE - sib<br>Note is Xst lien position. |
| 2023010994 | XXX | Loan Type | XXX | XXX | Loan was approved as NQM. |
| 2023010994 | XXX | Total Debt to Income Ratio | XXX | XXX | Loan was approved with a DTI of XXX Review DTI XXXX Review variance is less thanand considered non-material.<br>|
| 2023010994 | XXX | Original P&I Payment | XXX | XXX | P&I verified per the note in file. |
| 2023010994 | XXX | Potential Lien Level | XXX | XXX | Note is Xst lien position. |
| 2023010992 | XXX | Loan Type | XXX | XXX | Loan approved as an alt doc product which is NonQM. |
| 2023010992 | XXX | Mortgage Notary Sign Date | XXX | XXX | Tape value reflects Note date of XX/XX/XXX. Verified Notary date is XX/XX/XXX. |
| 2023010992 | XXX | Total Debt to Income Ratio | XXX | XXX | Source of tape is unknown, Lender approved DTI per XXX XXX, Review DTI XXX. However Non-material discrepancy less than <br>|
| 2023010992 | XXX | Original P&I Payment | XXX | XXX | Source of tape unknown. Confirmed correct P&I payment per note in file. |
| 2023010992 | XXX | Representative Credit Score | XXX | XXX | Verified qualifying fico XXX based on lower mid-score. |
| 2023010992 | XXX | U/W Doc Type | XXX | XXX | Confirmed Non-QM loan approved as XX-months business bank statements per XXX. |
| 2023010992 | XXX | Potential Lien Level | XXX | XXX | REMOVE sib |
| 2023010869 | XXX | Total Debt to Income Ratio | XXX | XXX | Per additional business bank statements presented via stips XXX revised income calculation supports XXX per month resulting in a Review DTI of XXX Lender revised XXX provided via stip XXXreflects DTI of XXX thus no material variance. Tape DTI does not match to lender revised XXX reporting updated income calculation and was reflected in original XXX in file. |
| 2023010869 | XXX | U/W Doc Type | XXX | XXX | per XXX the doc type is XX-mo Bank Statement-Business. |
| 2023010869 | XXX | Potential Lien Level | XXX | XXX | First lien based on documentation in file. |
| 2023010865 | XXX | Total Debt to Income Ratio | XXX | XXX | Approved DTI XXX, Review DTI XXX, non-material variance. |
| 2023010865 | XXX | U/W Doc Type | XXX | XXX | Tape reflects Full/Alt, Loan approved as XX-mo Bank Statement-Business. |
| 2023010865 | XXX | Potential Lien Level | XXX | XXX | REMOVE |
| 2023010868 | XXX | Property Type | XXX | XXX | Property type verified per appraisal in file. pXXX |
| 2023010868 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender approved DTI per XXX XXX, Review DTI XXX. Discrepancy caused by lender using a X expense factor when the guidelines require a X factor. Max DTI per guides is <+ X per Achiever Expanded guide. Non-material variance. |
| 2023010868 | XXX | U/W Doc Type | XXX | XXX | Loan approved under Bank Statement Program guidelines. |
| 2023010868 | XXX | Potential Lien Level | XXX | XXX | First Lien verified per Title Commitment pXXX |
| 2023010859 | XXX | Total Debt to Income Ratio | XXX | XXX | Source of tape is unknown, Lender approved DTI per XXX XXX, Review DTI XXX. However Non-material discrepancy less than .<br>|
| 2023010859 | XXX | U/W Doc Type | XXX | XXX | Source of tape is unknown. Per approval/XXX Loan approved as XX mth Bank Statement.<br>|
| 2023010859 | XXX | Potential Lien Level | XXX | XXX | REMOVE DS |
| 2023010862 | XXX | Total Debt to Income Ratio | XXX | XXX | Per XXX Lender DTI is X.XXX, Review DTI is XXX Non-material variance. |
| 2023010862 | XXX | U/W Doc Type | XXX | XXX | Based on loan documentation UW doc type is XX months business bank statements. |
| 2023010862 | XXX | Potential Lien Level | XXX | XXX | Review variance withintolerance. |
| 2023010872 | XXX | Total Debt to Income Ratio | XXX | XXX | Variance withtolerance. |
| 2023010872 | XXX | U/W Doc Type | XXX | XXX | Per XXX (p. XXX) and loan file documentation, U//w Doc Type is XX-mo Bank Statement-Business. |
| 2023010872 | XXX | Potential Lien Level | XXX | XXX | Per Title (p. XXX), Potential Lien Level is First Position. |
| 2023010871 | XXX | Total Debt to Income Ratio | XXX | XXX | DTI discrepancy less than<br>Pending review of missing Business Bank Statements |
| 2023010871 | XXX | U/W Doc Type | XXX | XXX | Confirmed with XXX |
| 2023010871 | XXX | Potential Lien Level | XXX | XXX | Confirmed Xst lien position |
| 2023010870 | XXX | Total Debt to Income Ratio | XXX | XXX | Less thanvariance noted, therefore immaterial discrepancy |
| 2023010870 | XXX | U/W Doc Type | XXX | XXX | Loan approved under Bank Statement Program guidelines doc type |
| 2023010870 | XXX | Potential Lien Level | XXX | XXX | Lien Level verified per title commitment pXXX |
| 2023010864 | XXX | Total Debt to Income Ratio | XXX | XXX | Review DTI updated to XXX from XXX. Lender DTI is XXX Variance is due to lender not applying an expense factor of X to the XX month personal bank statement program. Lender rebutted application of expenses on personal bank statement per guideline section XXXXX.X. Investor accepted. No material variance noted in DTI after omitting expenses. |
| 2023010864 | XXX | U/W Doc Type | XXX | XXX | Based on loan documentation, XX-mo Bank Statement Personal. |
| 2023010864 | XXX | Potential Lien Level | XXX | XXX | REMOVE |
| 2023010866 | XXX | Mortgage Notary Sign Date | XXX | XXX | Source of tape data is unknown. Notary date per security instrument. |
| 2023010866 | XXX | Total Debt to Income Ratio | XXX | XXX | Per review of XX month business bank statement the Total Devt to Income Ratio is XXX Pgs. XXX-XXX |
| 2023010866 | XXX | U/W Doc Type | XXX | XXX | Source of tape data is unknown. Per the Loan Approval the U/W Doc Type is XX-mo Bank Statement Business pg. XXX |
| 2023010866 | XXX | Potential Lien Level | XXX | XXX | Per the Preliminary Title the Potential Lien Level is First. pg. XXX |
| 2023010863 | XXX | Property Type | XXX | XXX | Property Type is PUD - Detached per appraisal. |
| 2023010863 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender approved DTI XX.XXX, review DTI XXX Non-material discrepancy less than |
| 2023010863 | XXX | Potential Lien Level | XXX | XXX | REMOVE DS |
| 2023010858 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender DTI XXX Review DTI XXX, variance is non-material. |
| 2023010858 | XXX | Potential Lien Level | XXX | XXX | REMOVE |
| 2023010861 | XXX | Property Type | XXX | XXX | per appraisal p.XX |
| 2023010861 | XXX | Original Loan to Value | XXX | XXX | LTV/CLTV is XXX round-up XXX base on Purchase price XXX. Rounding. |
| 2023010861 | XXX | Original Combined Loan to Value | XXX | XXX | LTV/CLTV is XXX round-up XXX base on Purchase price XXX. |
| 2023010861 | XXX | Total Debt to Income Ratio | XXX | XXX | Tape UTD .<br>Lender approval and XXX are not in file.<br>Review DTI is XXX. Max DTI X per Guidelines. |
| 2023010861 | XXX | Potential Lien Level | XXX | XXX | Lien Level is First |
| 2023010856 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender approved DTI is XX.XXX, review DTI XXX. Non-material discrepancy less than |
| 2023010856 | XXX | U/W Doc Type | XXX | XXX | Full doc loan based on the documentation provided. |
| 2023010856 | XXX | Potential Lien Level | XXX | XXX | Confirmed with XXX Xst lien position. |
| 2023010855 | XXX | Property Type | XXX | XXX | Per the Appraisal the Property Type is Two Family. pg. XXX |
| 2023010855 | XXX | Original Loan to Value | XXX | XXX | Per the Note pg. XXX and the appraisal pg. XXX the Original Loan to Value is .XXX |
| 2023010855 | XXX | Original Combined Loan to Value | XXX | XXX | Per the Note pg. XXX and the appraisal pg. XXX the Original Combined Loan to Value is .XXX |
| 2023010855 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender approved DTI XX.XXX, review DTI XXX Discrepancy with income as a result of the loan file is missing bank statements from xxxx. |
| 2023010855 | XXX | U/W Doc Type | XXX | XXX | Per the Loan Approval the U/W Doc Type is XX-mo Bank Statement-Business. pg. XXX |
| 2023010855 | XXX | Potential Lien Level | XXX | XXX | Per the Title Commitment the Potential Lien Level is First. pg. XXX |
| 2023010857 | XXX | Original Loan to Value | XXX | XXX | Rounding. No variance. |
| 2023010857 | XXX | Original Combined Loan to Value | XXX | XXX | Rounding, no variance. |
| 2023010857 | XXX | Total Debt to Income Ratio | XXX | XXX | Loan was approved with a DTI of XXX Reviewer DTI XXXReview variance is less thanand considered non-material. |
| 2023010857 | XXX | U/W Doc Type | XXX | XXX | Doc type verified per the XXX p.XXX. |
| 2023010857 | XXX | Appraised Value | XXX | XXX | Appraised Value XXX (Page XXX). |
| 2023010857 | XXX | Potential Lien Level | XXX | XXX | REMOVE: Formatting. |
| 2023010867 | XXX | Total Debt to Income Ratio | XXX | XXX | Source of tape is unknown, Lender approved DTI per XXX XXX, Review DTI XXX. Discrepancy caused by at origination PITI and all other debt used was XXXXX higher than the IB Review PITI and all other debt calculated. However Non-material discrepancy less than |
| 2023010867 | XXX | U/W Doc Type | XXX | XXX | Source of tape in unknown. Per approval/XXX Loan approved as XX month Bank Statement-Personal. |
| 2023010867 | XXX | Potential Lien Level | XXX | XXX | Source to tape unknown, per the Preliminary Title Report the Potential Lien Level is First. |
| 2023010897 | XXX | U/W Doc Type | XXX | XXX | Source of tape is unknown. Per the Loan Approval the U/W Doc Type is DSCR. pg. XXX. |
| 2023010897 | XXX | Potential Lien Level | XXX | XXX | REMOVE DS |
| 2023010860 | XXX | Property Type | XXX | XXX | Property type verified per appraisal in file. pXXX |
| 2023010860 | XXX | Total Debt to Income Ratio | XXX | XXX | Non-material variance. |
| 2023010860 | XXX | U/W Doc Type | XXX | XXX | Loan approved as Bank Statement which is NonQM product. |
| 2023010860 | XXX | Potential Lien Level | XXX | XXX | Lien Level is first, verified per XXX pXXX |
| 2023010854 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender approved DTI XX.XXX, review DTI XXX Non-material less than . |
| 2023010854 | XXX | Potential Lien Level | XXX | XXX | REMOVE |
| 2023010848 | XXX | Loan Purpose | XXX | XXX | Verified loan purpose Cash Out Refinance per CD. |
| 2023010848 | XXX | Potential Lien Level | XXX | XXX | Potential lien will be in first position. |
| 2023010852 | XXX | Total Debt to Income Ratio | XXX | XXX | Non-material discrepancy less than .<br>|
| 2023010851 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender DTI is XXX, Review DTI is XXXX Variance is non-material. |
| 2023010851 | XXX | Amortized Original Term | XXX | XXX | REMOVE IO |
| 2023010850 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender approved DTI per XXX XXX, Review DTI XXX. Discrepancy caused by Lender not including PITIA of current residence which will be retained after closing. Program maximum DTI is X, discrepancy is non-material. |
| 2023010849 | XXX | Total Debt to Income Ratio | XXX | XXX | Non-material discrepancy less than . |
| 2023010853 | XXX | Total Debt to Income Ratio | XXX | XXX | Non material discrepancy. |
| 2023010899 | XXX | Mortgage Notary Sign Date | XXX | XXX | Verified Notary date XXXXper Deed pXXX. |
| 2023010899 | XXX | Total Debt to Income Ratio | XXX | XXX | Variance withinand considered Non material discrepancy. |
| 2023010899 | XXX | Modification Maturity Date Stated | XXX | XXX | REMOVE: Bug. |
| 2023010995 | XXX | Total Debt to Income Ratio | XXX | XXX | Review variance is less thanand considered non-material. |
| 2023010995 | XXX | Amortized Original Term | XXX | XXX | Per note, loan has a XXXmo term with a XXXmo Amortization. |
| 2023010995 | XXX | U/W Doc Type | XXX | XXX | Loan approved under Bank Statement Program guidelines.<br>|
| 2023010968 | XXX | Total Debt to Income Ratio | XXX | XXX | Variance withintolerance and considered non-material discrepancy. |
| 2023010958 | XXX | Property Type | XXX | XXX | Property type verified per appraisal pXXX |
| 2023010958 | XXX | Selling Lender Name | XXX | XXX | Selling lender name fully verified per Note pXXX |
| 2023010958 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Non material discrepancy. |
| 2023010961 | XXX | Original Note Balance | XXX | XXX | Unknown tape value-The Original note balance was verified per the subject note in the loan file pXXX- XXX |
| 2023010961 | XXX | Original Loan to Value | XXX | XXX | Tape original LTV of X based off of loan amount of XXX. Review and approved original LTV of X based off of lower appraised vale of XXX.<br>|
| 2023010961 | XXX | Original Combined Loan to Value | XXX | XXX | Tape original CLTV of X based off of loan amount of XXX. Review and approved original LTV of X based off of lower appraised vale of XXX. |
| 2023010961 | XXX | Original P&I Payment | XXX | XXX | Unknown tape value-The Original P and I payment was verified per the subject note in the loan file pXXX- XXX |
| 2023010961 | XXX | Selling Lender Name | XXX | XXX | The selling lender name was verified per the note pXXX |
| 2023010961 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Non material discrepancy. |
| 2023010959 | XXX | Selling Lender Name | XXX | XXX |  |
| 2023010959 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Non material discrepancy. |
| 2023010963 | XXX | Property Type | XXX | XXX | Source of Tape unknown. Per Appraisal (p. XXX), Subject Property is PUD - Detached. |
| 2023010963 | XXX | Total Debt to Income Ratio | XXX | XXX | Approved DTI XXX and review is XXX, Review variance is less thanand considered non-material. |
| 2023010963 | XXX | Representative Credit Score | XXX | XXX | Qualifying FICO verified as XXX. |
| 2023010963 | XXX | Selling Lender Name | XXX | XXX |  |
| 2023010966 | XXX | Total Debt to Income Ratio | XXX | XXX | Review DTI is X. Tape DTI includes XX-mo Bank Statement - Personal. Bank statements provided are joint and Reviewer unable to determine deposits made to support business income. |
| 2023010966 | XXX | U/W Doc Type | XXX | XXX | Per Bank Statements in file (p. XXX-XXX), U/W Doc Type is XX-mo Bank Statement - Personal. |
| 2023010966 | XXX | Selling Lender Name | XXX | XXX | Per Note (p. XXX), Selling Lender Name is XXX . dba XXX, A XXX |
| 2023010962 | XXX | Property Type | XXX | XXX | Source of Tape unknown. Per Appraisal (p. XXX), Subject Property Type is Condominium. |
| 2023010962 | XXX | Total Debt to Income Ratio | XXX | XXX | Approved DTI XXX and review is XXX. Review variance is less thanand considered non-material. |
| 2023010962 | XXX | U/W Doc Type | XXX | XXX | Source of Tape is unknown. Per documents in file, U/W Doc Type is XX-mo Bank Statement-Business. |
| 2023010962 | XXX | Selling Lender Name | XXX | XXX |  |
| 2023010960 | XXX | Property Type | XXX | XXX | The property type is PUD-Detached as verified per appraisal pXXX. Tape value of Single Family Detached is unknown. |
| 2023010960 | XXX | Original Interest Rate | XXX | XXX | Interest rate is X.XX per the Note (pg. XXX). Tape value of X.XX is unknown. |
| 2023010960 | XXX | Original P&I Payment | XXX | XXX | Original P&I is XXX per the Note (pg. XXX). Tape value of XXX is unknown. |
| 2023010960 | XXX | Selling Lender Name | XXX | XXX | The full Lender name has been verified per Note pXXX, no material variance. |
| 2023010960 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Review DSCR ratio is X.XX, Tape DSCR X.XX is unknown. DSCR Worksheet in file (pg. XX) reflects X.XX by the Lender which is a match to Review on rounding. No material variance. |
| 2023010893 | XXX | Property Type | XXX | XXX | Property type verified per appraisal in file pg XXX. |
| 2023010893 | XXX | U/W Doc Type | XXX | XXX | Source of tape is unknown. Asset Utilization used to qualify. |
| 2023010892 | XXX | Total Debt to Income Ratio | XXX | XXX | Approved DTI XXX and review is XXX, Review variance is less thanand considered non-material. |
| 2023010892 | XXX | U/W Doc Type | XXX | XXX | Source of Tape unknown. Documentation in file for XX-m Bank Statement-Business Program. |
| 2023010891 | XXX | Selling Lender Name | XXX | XXX | Lender Name per Note pg.XXX |
| 2023010881 | XXX | Property Type | XXX | XXX | Source of Tape unknown. Per Appraisal (p. XXX), Property Type is PUD - Detached. |
| 2023010881 | XXX | Total Debt to Income Ratio | XXX | XXX | Approved DTI XX.XXX and review is XXX. Discrepancy due to lender using XXmo average for all statements provided. Review used most recent XXmo statements with a lower average of XXXXX/mo income as program is XXmo bank statements. |
| 2023010881 | XXX | U/W Doc Type | XXX | XXX | Source of Tape unknown. XX-mo Bank Statement-Business confirmed per worksheet and documentation in file. |
| 2023010878 | XXX | Total Debt to Income Ratio | XXX | XXX | Approved DTI X.XX and review is X.XX, Review variance is less thanand considered non-material. |
| 2023010877 | XXX | Total Debt to Income Ratio | XXX | XXX | Approved DTI XXX and review is XXX. Non-material variance. |
| 2023010894 | XXX | Total Debt to Income Ratio | XXX | XXX | Approved/Tape DTI XXX and review is X.XX, Review variance is less thanand considered non-material.<br>|
| 2023010894 | XXX | U/W Doc Type | XXX | XXX | XX Month bank statement income analysis verified per business bank acct providedXXX |
| 2023010886 | XXX | Selling Lender Name | XXX | XXX | Selling Lender name verified per Note pXXX |
| 2023010889 | XXX | Property Type | XXX | XXX | Property type verified per appraisal pXXX |
| 2023010889 | XXX | Total Debt to Income Ratio | XXX | XXX | Approved/Tape DTI XXX and review is XXX, Review variance is less thanand considered non-material.<br>|
| 2023010889 | XXX | U/W Doc Type | XXX | XXX | U/W Doc Type verified per qualified XX month analysis statements pXXX-XXX, however XX months business bank statements verified total) |
| 2023010874 | XXX | Total Debt to Income Ratio | XXX | XXX | Review variance is less thanand considered non-material.<br>|
| 2023010874 | XXX | U/W Doc Type | XXX | XXX | Verified loan qualification done on XXmo Business Bank Statement program. |
| 2023010879 | XXX | Property Type | XXX | XXX | Property Type verified per Appraisal pXXX |
| 2023010879 | XXX | Total Debt to Income Ratio | XXX | XXX | Approved/Tape DTI XXX and review is XXX, Review variance is less thanand considered non-material.<br>|
| 2023010879 | XXX | U/W Doc Type | XXX | XXX | U/W Doc Type verified per Income analysis and Bank Statement provided for qualification: |
| 2023010887 | XXX | Total Debt to Income Ratio | XXX | XXX | Approved DTI XXX and review is XXX, Review variance is less thanand considered non-material. |
| 2023010887 | XXX | Representative Credit Score | XXX | XXX | Tape value for Credit Score is lowest of three (X) reported. Reviewer used the middle of three (X) required per guidelines. |
| 2023010890 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender approved DTI per XXX is X.XX (pg. XX), Review DTI XXX. Discrepancy caused by income calculation with review excluding several large deposits used by lender. Qualifying DTI is still well within X max allowable per guides. |
| 2023010885 | XXX | Property Type | XXX | XXX | PUD-Detached per appraisal pg.XXX |
| 2023010885 | XXX | Selling Lender Name | XXX | XXX | Lender Name per Note pg.XXX |
| 2023010882 | XXX | Total Debt to Income Ratio | XXX | XXX | IB income calculation less than lender's qualifying income. Evidence of business expenses on personal account. Per guides pXX, subject to Business bank stmt calculation. Added X expense factor to qualifying deposits. |
| 2023010882 | XXX | U/W Doc Type | XXX | XXX | U/W Doc Type verified per qualifying personal bank statements used in lender analysis. |
| 2023010895 | XXX | Selling Lender Name | XXX | XXX | Lender Name as listed on Note pg.XXX |
| 2023010880 | XXX | Total Debt to Income Ratio | XXX | XXX | Lender approved DTI per XXX XXX, Review DTI XXX. Discrepancy is less thanand considered non-material. |
| 2023010873 | XXX | Property Type | XXX | XXX | Property type verified per appraisal in file pg XXX. |
| 2023010873 | XXX | Total Debt to Income Ratio | XXX | XXX | Review Variance is less than , Non material discrepancy. |
| 2023010873 | XXX | U/W Doc Type | XXX | XXX | Source of tape is unknown, Verified lender utilized XX months business bank statements. |
| 2023010884 | XXX | Total Debt to Income Ratio | XXX | XXX | Review DTI XXX, Lender DTI XXX. Review variance is less thanand considered non-material. |
| 2023010896 | XXX | Total Debt to Income Ratio | XXX | XXX | Approved DTI XXX and review is XXX, review variance is less thanand considered non-material. |
| 2023010896 | XXX | U/W Doc Type | XXX | XXX | Source of tape is unknown. Per approval U/W Doc Type is XX months Bank Statement-Business. |
| 2023010888 | XXX | Total Debt to Income Ratio | XXX | XXX | Discrepancy due to lender inclusion of XXX auto installment payment with |
| 2023010888 | XXX | U/W Doc Type | XXX | XXX | Verified lender qualified with XXmo Business Bank Stmts. |
| 2023010883 | XXX | Total Debt to Income Ratio | XXX | XXX | Non material discrepancy. |
| 2023010875 | XXX | Total Debt to Income Ratio | XXX | XXX | Non material discrepancy. |
| 2023010875 | XXX | U/W Doc Type | XXX | XXX | XX months personal bank statements provided in file. |
| 2023010876 | XXX | Total Debt to Income Ratio | XXX | XXX | Review DTI XX.XXX, review variance is less thanand considered non-material. |
| 2023010876 | XXX | U/W Doc Type | XXX | XXX | Source of tape unknown. Per XXX pg. XXX and loan documentation the U/W Doc Type is XX-Mon Bank Statement-Business. |
| 2023010979 | XXX | Total Debt to Income Ratio | XXX | XXX | Variance is non-material |
| 2023010979 | XXX | U/W Doc Type | XXX | XXX | XX Mths personal bank statements used to qualify. |
| 2023010979 | XXX | Selling Lender Name | XXX | XXX | REMVOE |
| 2023010975 | XXX | Selling Lender Name | XXX | XXX | Per the Note the Selling Lender Name is XXX., A XXX pg. XX |
| 2023010975 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Non material discrepancy. |
| 2023010948 | XXX | Selling Lender Name | XXX | XXX | REMVOE |
| 2023010948 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | UTD lender value. Per lender worksheet pXX, lender used XXX lease rents in calculation. Lease in file pXX is XXX. Review used market rent XXX per XXX pXXX |
| 2023010974 | XXX | Original P&I Payment | XXX | XXX | Payment XXXXX verified by Note pg.XXX |
| 2023010974 | XXX | Selling Lender Name | XXX | XXX | Lender Name per Note pg.XXX |
| 2023010974 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | UTD Tape Value.<br>Lender not provided DSCR Ratio. Review DSCR Ratio is X.XX, Matrix requirement Min DSCR XXX |
| 2023010964 | XXX | Property Type | XXX | XXX | Source of Tape unknown. Per Appraisal (p. XXX), Property Type is PUD - Detached. |
| 2023010964 | XXX | Total Debt to Income Ratio | XXX | XXX | Approved DTI XXX and review is XXX, Review variance is less thanand considered non-material.<br>|
| 2023010964 | XXX | U/W Doc Type | XXX | XXX | XX month bank statements verified per XX business accounts pXXX, XXX |
| 2023010964 | XXX | Selling Lender Name | XXX | XXX |  |
| 2023010949 | XXX | Selling Lender Name | XXX | XXX | REMVOE |
| 2023010949 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Review variance is due to rounding and considered non-material. |
| 2023010898 | XXX | Total Debt to Income Ratio | XXX | XXX | Non material discrepancy. |
| 2023010999 | XXX | Selling Lender Name | XXX | XXX | Non material discrepancy. |
| 2023010999 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | UTD Tape Value.<br>Lender DSCR X.XX noted on XXX, DSCR Worksheet not in file. Review DSCR Ratio is X.XXX used $X,XXX month rent per Lease in file pg.XXX |
| 2023010951 | XXX | Property Type | XXX | XXX | Source of Tape unknown. Per Appraisal (p. XXX), Subject Property Type is PUD - Detached. |
| 2023010951 | XXX | Original Loan to Value | XXX | XXX | Source of Tape unknown. Appraised Value (p. XXX) is XXX. Note Amount (p. XXX) is XXX. LTV is XX. |
| 2023010951 | XXX | Original Combined Loan to Value | XXX | XXX | Source of Tape unknown. Appraised Value (p. XXX) is XXX. Note Amount (p. XXX) is XXX. CLTV is XX. |
| 2023010951 | XXX | Original P&I Payment | XXX | XXX | Source of Tape unknown. Per Note (p. XXX). Original P&I Payment is XXX. |
| 2023010951 | XXX | Selling Lender Name | XXX | XXX |  |
| 2023010951 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Source of Tape unknown. Lender DSCR Worksheet (p. XX) in file is XXX Reviewer DSCR calculation agrees with Lender. |
| 2023010950 | XXX | Original Interest Rate | XXX | XXX | Per executed Note, Interest rate is XXX (pg XXX) |
| 2023010950 | XXX | Original Loan to Value | XXX | XXX | Final LTV is XXX. Appraisal value per appraisal is XXX, final loan amount per executed Note is XXX. (pg XXX and pg XXX) |
| 2023010950 | XXX | Original Combined Loan to Value | XXX | XXX | Final LTV is XXX. Appraisal value per appraisal is XXX, final loan amount per executed Note is XXX. (pg XXX and pg XXX) |
| 2023010950 | XXX | Original P&I Payment | XXX | XXX | Per executed Note, P&I payment is XXX. (pg XXX) |
| 2023010950 | XXX | Selling Lender Name | XXX | XXX |  |
| 2023010950 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | IB value of DSCR Ratio is X.XX is accurate according to PITIA and lease agreement evidenced in file. X.XX is also what is listed on Impac DSCR calculation ratio and XXX. (pg XX and pg X) |
| 2023010967 | XXX | Representative Credit Score | XXX | XXX | Qualifying FICO XXX |
| 2023010967 | XXX | Selling Lender Name | XXX | XXX | REMOVE |
| 2023010967 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | UTD Tape Value.<br>Review DSCR Ratio is X.XX based on current lease (w/ proof X months payments) vs. the lower Market Rent $X,XXX perXXX pg.XX. Lender noted DSCR ratio as X.XX on XXX which matches to Review. Appears variance is due to rounding. |
| 2023010965 | XXX | Property Type | XXX | XXX | Source of Tape unknown. Per appraisal (p. XXX), subject property is a Dethatched PUD. |
| 2023010965 | XXX | Amortization Type | XXX | XXX | Per executed Note, subject loan is a XX year fixed rate loan with a XX year interest only period. (pg XXX) |
| 2023010965 | XXX | Original Loan to Value | XXX | XXX | Tape Value source is unknown. LTV is XXX. Appraised value per appraisal is XXX, and final loan amount per executed Note is XXX. (pg XXX and pg XXX) |
| 2023010965 | XXX | Original Combined Loan to Value | XXX | XXX | Source of Tape unknown. LTV is XXX. Appraised value (p. XXX) is XXX, and final loan amount per executed Note is XXX P. XXX) |
| 2023010965 | XXX | Selling Lender Name | XXX | XXX | Selling Lender Name is XXX . |
| 2023010965 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | IB Review Value is XXX Unable to determine discrepancy between Tape Value and IB review Value. Variance is deemed immaterial. |
| 2023010954 | XXX | Total Debt to Income Ratio | XXX | XXX | Variance is less than . |
| 2023010954 | XXX | Selling Lender Name | XXX | XXX | REMOVE |
| 2023010969 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Lender DSCR Ratio X.XXX and Review DSCR Ratio XXX No Variance. |
| 2023010847 | XXX | Property Type | XXX | XXX | Source of Tape Unknown. Per Appraisal (p. XX), Subject Property Type is PUD - Attached. |
| 2023010847 | XXX | Selling Lender Name | XXX | XXX | REMOVE |
| 2023010847 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Review ratio is XXX Lender is X.XXX thus no material variance. |
| 2023010980 | XXX | Total Debt to Income Ratio | XXX | XXX | Approved DTI XXX and review is XXX, Review variance is less thanand considered non-material.<br>|
| 2023010980 | XXX | Selling Lender Name | XXX | XXX | Source of tape unknown, per the Note the Selling Lender Name is XXX., A XXX. |
| 2023010977 | XXX | Amortization Type | XXX | XXX | Refer to note pg. XXX interest-only period fixed rate note. |
| 2023010977 | XXX | Total Debt to Income Ratio | XXX | XXX | Review DTI is XXX. Tape is XXX. Lender included a higher "other payments" then confirmed in file and on the credit report. Variance of X.XX cannot be determined as all debt and mortgages included. Borrower primary residence payment was omitted as business pays this debt confirmed in file. eResi Guidelines ALT DOC vXXX pg. XX, using XX of personal bank account deposits. |
| 2023010977 | XXX | Original P&I Payment | XXX | XXX | Tape refers to interest only payment. |
| 2023010977 | XXX | U/W Doc Type | XXX | XXX | PENDING - Tape reflects loan approved as XX-mo Bank Statement-Business. |
| 2023010977 | XXX | Selling Lender Name | XXX | XXX | REMVOE |
| 2023010976 | XXX | Property Type | XXX | XXX | Subject property is a Three Family verified per appraisal. |
| 2023010976 | XXX | Selling Lender Name | XXX | XXX | Lender is XXX per note. |
| 2023010976 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Lender DSCR of X.XX is based market rent per the operating income statement. Review DSCR of X.XXX is based on current rent per month per the operating income statement. |
| 2023010846 | XXX | Total Debt to Income Ratio | XXX | XXX | Review DTI calculates to XXX. Source of tape value of X is unknown. Lender XXX in file reflects XXX DTI based on a higher income calculation. Lender provided XX-month bank statements with a lower monthly income calculation resulting in Review DTI exceeding X. See DTI exception. |
| 2023010846 | XXX | Selling Lender Name | XXX | XXX | REMOVE |
| 2023010953 | XXX | Property Type | XXX | XXX | Tape refelcts the subject as SFD, Borrower runs a xxxx business renting rooms, thus property is considered Mixed-Use. |
| 2023010953 | XXX | Total Debt to Income Ratio | XXX | XXX | Source of tape unknown, Approved DTI XXX per XXX, review DTI is XXX, Review variance is less thanand considered non-material.<br>|
| 2023010953 | XXX | Original P&I Payment | XXX | XXX | Source of tape unknown, per the Note the Original P&I payment is X,XXX. pg. XXX |
| 2023010953 | XXX | Selling Lender Name | XXX | XXX | REMOVE |
| 2023010952 | XXX | Original Loan to Value | XXX | XXX | Source of tape unknown. Review Value is XX.XXX calculated from Note (p. XXX) and Appraisal (p. XXX). Review LTV matches Lender Approval LTV (p. X). |
| 2023010952 | XXX | Original Combined Loan to Value | XXX | XXX | Source of tape unknown. Review Value is XX.XXX calculated from Note (p. XXX) and Appraisal (p. XXX). Review LTV matches Lender Approval LTV (p. X). |
| 2023010952 | XXX | Original P&I Payment | XXX | XXX | Source of tape unknown Original P&I Payment is XXX per Note (p. XXX). |
| 2023010952 | XXX | Selling Lender Name | XXX | XXX | Selling lender isXXX. dba XXX. |
| 2023010952 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | Source of tape unknown. Lease is XXX per months and PITIA is XXX. Calculated DSCR Ratio is X.XXX |
| 2023010978 | XXX | Original Interest Rate | XXX | XXX | Source of Tape unknown. Per Note (p. XX), Original Interest Rate is X.X |
| 2023010978 | XXX | Selling Lender Name | XXX | XXX | Selling lender is XXX. |
| 2023010978 | XXX | Investor DTI (DSCR Ratio) | XXX | XXX | DSR Ratio X.XX (round up X.XXX) |

---

## Exhibit 99.24

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.24**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **State** | **Lien Position** | **Loan Purpose** | **QM Designation Type** |
| 2023010908 | XXX | 1 C A | CA | 1 | Rate and Term Refinance | Not Covered / Exempt |
| 2023010845 | XXX | 2 D B C A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010900 | XXX | 1 C A | CA | 1 | Purchase | Non-QM / Compliant |
| 2023010901 | XXX | 2 C B A | OK | 1 | Purchase | Not Covered / Exempt |
| 2023010912 | XXX | 1 A | CA | 1 | Purchase | Not Covered / Exempt |
| 2023010904 | XXX | 1 C A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010910 | XXX | 2 C B A | OR | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010909 | XXX | 2 D B A | OR | 1 | Purchase | Not Covered / Exempt |
| 2023010911 | XXX | 1 A | OR | 1 | Purchase | Not Covered / Exempt |
| 2023010919 | XXX | 1 A | AZ | 1 | Purchase | Not Covered / Exempt |
| 2023010903 | XXX | 1 A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010920 | XXX | 2 C B A | NC | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010913 | XXX | 1 C A | AZ | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010917 | XXX | 1 A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010905 | XXX | 1 A | OR | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010914 | XXX | 1 A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010902 | XXX | 2 C B A | TX | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010921 | XXX | 1 A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010922 | XXX | 1 A | NV | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010915 | XXX | 1 A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010926 | XXX | 1 A | NV | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010923 | XXX | 1 C A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010916 | XXX | 1 A | FL | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010924 | XXX | 1 A | CA | 1 | Rate and Term Refinance | Not Covered / Exempt |
| 2023010906 | XXX | 2 C B A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010918 | XXX | 1 A | CA | 1 | Rate and Term Refinance | Non-QM / Compliant |
| 2023010907 | XXX | 2 C B A | CA | 1 | Rate and Term Refinance | Not Covered / Exempt |
| 2023010925 | XXX | 1 C A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023011002 | XXX | 1 C A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023011001 | XXX | 1 A | FL | 1 | Purchase | Non-QM / Compliant |
| 2023011000 | XXX | 1 C A | NY | 1 | Rate and Term Refinance | Non-QM / Compliant |
| 2023010927 | XXX | 1 A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010955 | XXX | 1 A | CA | 1 | Purchase | Non-QM / Compliant |
| 2023010935 | XXX | 1 D A | UT | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010928 | XXX | 1 C A | ID | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010929 | XXX | 1 C A | FL | 1 | Purchase | Non-QM / Compliant |
| 2023010938 | XXX | 2 C B A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010937 | XXX | 1 D A C | AZ | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010936 | XXX | 1 A | AZ | 1 | Purchase | Not Covered / Exempt |
| 2023010956 | XXX | 1 A | CA | 1 | Rate and Term Refinance | Non-QM / Compliant |
| 2023010933 | XXX | 2 C B A | CA | 1 | Rate and Term Refinance | Non-QM / Compliant |
| 2023010932 | XXX | 1 C A | LA | 1 | Purchase | Non-QM / Compliant |
| 2023010939 | XXX | 2 C B A | CA | 1 | Rate and Term Refinance | Non-QM / Compliant |
| 2023010940 | XXX | 1 C A | CA | 1 | Purchase | Non-QM / Compliant |
| 2023010931 | XXX | 1 A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010930 | XXX | 1 A | CA | 1 | Purchase | Non-QM / Compliant |
| 2023010934 | XXX | 1 D A | NV | 1 | Rate and Term Refinance | Not Covered / Exempt |
| 2023011007 | XXX | 2 C B A | NC | 1 | Purchase | Non-QM / Compliant |
| 2023011004 | XXX | 2 C B A | CA | 1 | Purchase | Not Covered / Exempt |
| 2023011006 | XXX | 1 A | FL | 1 | Purchase | Non-QM / Compliant |
| 2023011005 | XXX | 1 A | NY | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023011003 | XXX | 2 C B A | GA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010944 | XXX | 2 C B A | TX | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010941 | XXX | 1 D A | AZ | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010947 | XXX | 1 C A | NV | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010942 | XXX | 1 C A | NV | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010945 | XXX | 1 C A | AZ | 1 | Purchase | Not Covered / Exempt |
| 2023010943 | XXX | 1 C A | TX | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010946 | XXX | 1 D A | NC | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010957 | XXX | 1 C A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010981 | XXX | 2 C B A | OR | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010987 | XXX | 1 C A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010982 | XXX | 2 C B A | CA | 1 | Rate and Term Refinance | Not Covered / Exempt |
| 2023010970 | XXX | 1 C A | AZ | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010983 | XXX | 2 C B A | CA | 1 | Purchase | Not Covered / Exempt |
| 2023010984 | XXX | 2 D B A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010988 | XXX | 2 B A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010989 | XXX | 1 C A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010971 | XXX | 1 A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010997 | XXX | 2 C B A | WA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010972 | XXX | 2 B A | CA | 1 | Purchase | Not Covered / Exempt |
| 2023010973 | XXX | 2 B A | AZ | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010985 | XXX | 2 D B A C | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010990 | XXX | 2 D B C A | NV | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010991 | XXX | 2 D B C A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010996 | XXX | 1 C A | CA | 1 | Purchase | Non-QM / Compliant |
| 2023010993 | XXX | 2 C B A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010986 | XXX | 2 B A | CA | 1 | Rate and Term Refinance | Not Covered / Exempt |
| 2023010998 | XXX | 2 C B A | CA | 1 | Purchase | Non-QM / Compliant |
| 2023010994 | XXX | 2 C B A | CA | 1 | Purchase | Non-QM / Compliant |
| 2023010992 | XXX | 1 A | CA | 1 | Purchase | Non-QM / Compliant |
| 2023010869 | XXX | 2 D B A C | NJ | 1 | Purchase | Non-QM / Compliant |
| 2023010865 | XXX | 2 C B A | VA | 1 | Purchase | Non-QM / Compliant |
| 2023010868 | XXX | 1 C A | NY | 1 | Rate and Term Refinance | Non-QM / Compliant |
| 2023010859 | XXX | 2 B A | TX | 1 | Purchase | Non-QM / Compliant |
| 2023010862 | XXX | 1 D A B | OH | 1 | Purchase | Non-QM / Compliant |
| 2023010872 | XXX | 1 D A C | TX | 1 | Purchase | Non-QM / Compliant |
| 2023010871 | XXX | 2 C B A | TX | 1 | Purchase | Non-QM / Compliant |
| 2023010870 | XXX | 2 C B A | GA | 1 | Purchase | Non-QM / Compliant |
| 2023010864 | XXX | 2 C B A | WY | 1 | Purchase | Non-QM / Compliant |
| 2023010866 | XXX | 1 D A C | CA | 1 | Rate and Term Refinance | Non-QM / Compliant |
| 2023010863 | XXX | 2 C B A | FL | 1 | Purchase | Non-QM / Compliant |
| 2023010858 | XXX | 1 C A | TN | 1 | Rate and Term Refinance | Not Covered / Exempt |
| 2023010861 | XXX | 2 D B C A | TX | 1 | Purchase | Non-QM / Compliant |
| 2023010856 | XXX | 2 C B A | CA | 1 | Rate and Term Refinance | Not Covered / Exempt |
| 2023010855 | XXX | 1 D A C | MA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010857 | XXX | 2 C B A | FL | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010867 | XXX | 2 C B A | CA | 1 | Purchase | Non-QM / Compliant |
| 2023010897 | XXX | 1 A | ID | 1 | Purchase | Not Covered / Exempt |
| 2023010860 | XXX | 1 A | NJ | 1 | Purchase | Non-QM / Compliant |
| 2023010854 | XXX | 1 D A C | IN | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010848 | XXX | 2 D B A | FL | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010852 | XXX | 1 C A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010851 | XXX | 1 C A | CA | 1 | Purchase | Not Covered / Exempt |
| 2023010850 | XXX | 2 C B A | IL | 1 | Purchase | Non-QM / Compliant |
| 2023010849 | XXX | 2 C B A | NJ | 1 | Purchase | Non-QM / Compliant |
| 2023010853 | XXX | 2 D B A C | NJ | 1 | Purchase | Non-QM / Compliant |
| 2023010899 | XXX | 1 D A C | CA | 1 | Purchase | Non-QM / Compliant |
| 2023010995 | XXX | 1 C A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010968 | XXX | 1 C A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010958 | XXX | 1 A | IN | 1 | Purchase | Not Covered / Exempt |
| 2023010961 | XXX | 1 C A | SC | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010959 | XXX | 1 A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010963 | XXX | 2 C B A | HI | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010966 | XXX | 2 C B A | VA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010962 | XXX | 2 C B A | CA | 1 | Purchase | Non-QM / Compliant |
| 2023010960 | XXX | 1 A | SC | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010893 | XXX | 1 C A | CO | 1 | Purchase | Non-QM / Compliant |
| 2023010892 | XXX | 2 C B A | FL | 1 | Purchase | Non-QM / Compliant |
| 2023010891 | XXX | 1 C A | FL | 1 | Purchase | Not Covered / Exempt |
| 2023010881 | XXX | 2 C B A | TX | 1 | Purchase | Non-QM / Compliant |
| 2023010878 | XXX | 2 C B A | WI | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010877 | XXX | 2 C B A | FL | 1 | Purchase | Non-QM / Compliant |
| 2023010894 | XXX | 1 C A | CA | 1 | Rate and Term Refinance | Non-QM / Compliant |
| 2023010886 | XXX | 1 A | NJ | 1 | Purchase | Not Covered / Exempt |
| 2023010889 | XXX | 1 A | IL | 1 | Purchase | Non-QM / Compliant |
| 2023010874 | XXX | 1 A | CA | 1 | Purchase | Not Covered / Exempt |
| 2023010879 | XXX | 2 C B A | VA | 1 | Purchase | Non-QM / Compliant |
| 2023010887 | XXX | 2 C B A | NJ | 1 | Purchase | Non-QM / Compliant |
| 2023010890 | XXX | 1 C A | GA | 1 | Purchase | Not Covered / Exempt |
| 2023010885 | XXX | 1 C A | NV | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010882 | XXX | 1 C A | TN | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010895 | XXX | 1 C A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010880 | XXX | 2 C B A | TX | 1 | Purchase | Non-QM / Compliant |
| 2023010873 | XXX | 2 C B A | ID | 1 | Purchase | Non-QM / Compliant |
| 2023010884 | XXX | 2 C B A | OR | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010896 | XXX | 2 C B A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010888 | XXX | 2 C B A | IL | 1 | Purchase | Non-QM / Compliant |
| 2023010883 | XXX | 1 C A | SD | 1 | Rate and Term Refinance | Non-QM / Compliant |
| 2023010875 | XXX | 1 C A | UT | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010876 | XXX | 1 A | NY | 1 | Purchase | Non-QM / Compliant |
| 2023010979 | XXX | 2 C B | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010975 | XXX | 2 C B | CA | 1 | Purchase | Not Covered / Exempt |
| 2023010948 | XXX | 1 A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010974 | XXX | 2 C B A | GA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010964 | XXX | 2 C B A | TX | 1 | Purchase | Non-QM / Compliant |
| 2023010949 | XXX | 1 C A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010898 | XXX | 2 C B A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010999 | XXX | 2 B A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010951 | XXX | 1 A | IL | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010950 | XXX | 1 A | VA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010967 | XXX | 1 C A | AZ | 1 | Purchase | Not Covered / Exempt |
| 2023010965 | XXX | 2 C B A | FL | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010954 | XXX | 1 C A | CA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010969 | XXX | 2 C B A | NY | 1 | Purchase | Not Covered / Exempt |
| 2023010847 | XXX | 2 C B A | FL | 1 | Purchase | Not Covered / Exempt |
| 2023010980 | XXX | 2 C B A | CA | 1 | Rate and Term Refinance | Non-QM / Compliant |
| 2023010977 | XXX | 1 C A | CA | 1 | Rate and Term Refinance | Not Covered / Exempt |
| 2023010976 | XXX | 2 C B A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010846 | XXX | 2 C B A | MD | 1 | Purchase | Non-QM / Compliant |
| 2023010953 | XXX | 2 C B A | WA | 1 | Cash Out Refinance | Non-QM / Compliant |
| 2023010952 | XXX | 2 C B A | OR | 1 | Cash Out Refinance | Not Covered / Exempt |
| 2023010978 | XXX | 2 C B A | CA | 1 | Cash Out Refinance | Not Covered / Exempt |

---

## Exhibit 99.25

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.25**

---

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|  |  |  |  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** |  |  |  |
| **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| 2023010908 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | Subject Appraisal Report shows property type as detached SFR, however loan file includes PUD rider on page XXX. | XXX |  |
| 2023010845 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent $X,XXX Moderate risk | XXX |  |
| 2023010900 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |
| 2023010901 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Mkt rent XXX. Short term rental through VRBO & ARNB, typically not leased for a month basis. | XXX |  |
| 2023010912 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX | XXX |  |
| 2023010904 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Rental income not used to qualify. | XXX |  |
| 2023010910 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX and actual rents XXX per appraisal. Property management statement indicates actual rent of XXX.; SSR supports the appraised value. | XXX |  |
| 2023010909 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX total rent per appraisal. Market rent XXX.; pg XXX |  |  |
| 2023010911 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX and actual rents XXX per appraisal. ; pg XXX |  |  |
| 2023010919 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX per XXX; Pg XXX | XXX |  |
| 2023010903 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX Moderate risk | XXX |  |
| 2023010920 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010913 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010917 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010905 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010914 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Total current rents XXX and total market rents XXX per XXX. ; XXX |  |  |
| 2023010902 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010921 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010922 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX and actual rent XXX per XXX | XXX |  |
| 2023010915 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010926 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX, lease XXX | XXX |  |
| 2023010923 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX and actual rent XXX per XXX. | XXX |  |
| 2023010916 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Pg XXX | XXX |  |
| 2023010924 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Per XXX, market rent XXX and actual rent XXX | XXX |  |
| 2023010906 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010918 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010907 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Apsr showed proper condition as "average" input as CX. No updates, etc.<br>Mkt rent XXX. Leased XXX.<br>; pg XXX |  |  |
| 2023010925 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX.<br>Missing: apsr license. | XXX |  |
| 2023011002 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX/XXX, moderate risk |  |  |
| 2023011001 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CDA supports the appraised value.; XXX | XXX |  |
| 2023011000 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |
| 2023010927 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Total market and actual rents XXX |  |  |
| 2023010955 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010935 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |
| 2023010928 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rents XXX vs actual rents XXX per appraisal<br>; XXX |  |  |
| 2023010929 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010938 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Pg XXX | XXX |  |
| 2023010937 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | SSR analysis not performed. CDA supports. ; Pg XXX | XXX |  |
| 2023010936 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010956 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010933 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Condo questionnaire pages XXX-XXX. | XXX |  |
| 2023010932 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Estimated cost to cure of $X,XXX (pg XXX): need repairs including replacing doors and siding on garage and repairing vinyl siding on left rear of the house.; XXX | XXX |  |
| 2023010939 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010940 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010931 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010930 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010934 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX and actual rent XXX per XXX | XXX |  |
| 2023011007 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX/XXX | XXX |  |
| 2023011004 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Both units vacant; Market rent XXX | XXX |  |
| 2023011006 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Appraisal XXX; Due to the lack of available land sales in the are, the site value is estimated based on extraction as supported by assessed land values and appraiser knowledge of the market are.; XXX | XXX |  |
| 2023011005 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX Moderate risk | XXX |  |
| 2023011003 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX/XXX | XXX |  |
| 2023010944 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CDA supports the appraised value.; XXX | XXX |  |
| 2023010941 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010947 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market Rent X,XXX. Property is vacant. Per guidelines XX% vacancy factor to apply to market rent for DSCR calculation | XXX |  |
| 2023010942 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Lease X,XXX<br>Market Rent X,XXX; Risk Rating Reasonable XXX | XXX |  |
| 2023010945 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX per XXX | XXX |  |
| 2023010943 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX and actual rent noted XXX | XXX |  |
| 2023010946 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010957 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX in file.; Operating Income Statement (XXX) - UnitXXX, UnitXXX, UnitXXX. Total Market Rent XXX. Rental agreements in file are XXX (XXX), XXX (XXX), and XXXfor a total of XXX.; XXX - Reasonable |  |  |
| 2023010981 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX per appraisal; XXX |  |  |
| 2023010987 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |
| 2023010982 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Total market rent $XX,XXX and actual rent noted per appraisal is $XX,XXX; CDA supports the appraised value.; XXX<br>|  |  |
| 2023010970 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |
| 2023010983 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market Rent X,XXX | XXX |  |
| 2023010984 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX Moderate risk | XXX |  |
| 2023010988 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010989 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Per Note XXX Borrower is xxxx. Appraisal listed Borrowers as xxxx & xxxx. xxxx was reoved at closing via Grant Deed (XXX). Appraiser utilizedclosed sales andlisting to formulate the Sales Comparison Approach.; Per appraiser, actual rent XXX and market rent XXX; Risk Score: Moderate |  |  |
| 2023010971 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recert Pg XXX, Appraiser Waiver Pg XXX | XXX |  |
| 2023010997 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Appraisal Acknowledgement Pg XXX; Pg XXX | XXX |  |
| 2023010972 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010973 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX | XXX |  |
| 2023010985 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010990 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX | Form 1073-Individual Condominium Report | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Appraisal Transfer in file p.XXX;<br>XXX | XXX |  |
| 2023010991 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Per Appraisal (XXX), median comparable sales price and list price trend is increasing. CDA (XXX) Risk Score is Moderate. FNMA UCD (XXX) Risk Score is X.; XXX; CDA Risk Score - Moderate | XXX |  |
| 2023010996 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX | URAR Form 1004 | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Appraisal Transfer Letter (XXX) | XXX |  |
| 2023010993 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |
| 2023010986 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX per XXX | XXX |  |
| 2023010998 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010994 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | SSR supports the appraised value. | XXX |  |
| 2023010992 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |
| 2023010869 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010865 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010868 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |
| 2023010859 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |
| 2023010862 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010872 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | New construction; unable to locate Occupancy Certificate in loan file.; XXX; Risk Score = Moderate | XXX |  |
| 2023010871 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010870 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |
| 2023010864 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010866 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Risk Rating Excellent. XXX | XXX |  |
| 2023010863 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX XXX; Risk Rating = Excellent | XXX |  |
| 2023010858 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010861 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010856 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |
| 2023010855 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Risk Rating Excellent XXX |  |  |
| 2023010857 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | SSR supports the appraised value. | XXX |  |
| 2023010867 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Risk Rating Excellent XXX | XXX |  |
| 2023010897 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market Rent X,XXX XXX; Risk Rating Excellent<br>XXX | XXX |  |
| 2023010860 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |
| 2023010854 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010848 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Property suffers from deferred maintenance as evidenced by the appraisal photos pgs. XXX-XXX. Appraisal was made "as-is".; XXX | XXX |  |
| 2023010852 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |
| 2023010851 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX | URAR Form 1004 | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX per XXX; As there are two appraisals required, in review of both, appraisalXXX states the property is in an urban area where appraisalXXX states it is suburban. Also, there were significant discrepancies in the site and replacement cost new values between the two appraisals,the neighborhood names differ along with the estimated rents from the XXX's on XXX and XXX. |  |  |
| 2023010850 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Construction Quality = QX; Condition = XXX; Risk Score = Moderate | XXX |  |
| 2023010849 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX | URAR Form 1004 | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Appraiser to comment comparable sales X&X exceed the six month guideline. | XXX |  |
| 2023010853 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010899 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Appraisal Missing. New Construction; XXX in file XXX.; XXX; Risk Score = Moderate | XXX |  |
| 2023010995 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |
| 2023010968 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX | URAR Form 1004 | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |
| 2023010958 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Per IMPAC NQM Lending Guide XXX- .X pXX- the lesser of the Sales price over the appraisal value was used for LTV XXX vs XXX<br>Market rent XXX per XXX | XXX |  |
| 2023010961 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market and actual rent XXX per XXX | XXX |  |
| 2023010959 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX per XXX | XXX |  |
| 2023010963 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | condition quality qX | XXX | XXX |
| 2023010966 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Appraiser providedclosed sales comparables. Property Location is Suburban and all comparables are between X and X miles from Subject Property.; XXX; Reasonable | XXX | XXX |
| 2023010962 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |
| 2023010960 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |
| 2023010893 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010892 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Per Supplemental Addendum (XXX), Appraiser addedcomparables and revised his opinion for XXX to XXX. Purchase Price is XXX. Red Bell CDA value was XXX with High Risk because "value varies at least XX% from appraised value and significant omissions Appraiser did not provide enough information in the original appraisal to allow for confident VRR reconciliation." Per Market Conditions Addendum to the Appraisal Report (XXX), Median Sales Prices and List Prices are increasing.; Lender provided a CDA from Red Bell due to no score received from the submission for LCA.; XXX; High Risk | XXX |  |
| 2023010891 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX and actual rent XXX per XXX. ; Subject property is an "Arms length" sale on appraisal which is incorrect. Exception set to meet guidelines. | XXX | XXX |
| 2023010881 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Condition Quality QX | XXX | XXX |
| 2023010878 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market Rent X,XXX. Appraiser states one unit is owner occupied and the other vacant. ; Risk Rating Excellent XXX | XXX |  |
| 2023010877 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |
| 2023010894 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |
| 2023010886 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rents XXX | XXX |  |
| 2023010889 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |
| 2023010874 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX per XXX | XXX |  |
| 2023010879 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |
| 2023010887 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |
| 2023010890 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market Rent X,XXX | XXX | XXX |
| 2023010885 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX and actual rent XXX per XXX | XXX | XXX |
| 2023010882 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |
| 2023010895 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX per XXX | XXX | XXX |
| 2023010880 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | X closed loan sales comparables utilized; Condition XXX; Excellent | XXX | XXX |
| 2023010873 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |
| 2023010884 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | This Delayed Financing; No improvements are noted; Using Original HUDX XXXsales price XXX for LTV; XXX | XXX |  |
| 2023010896 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXfor carbon monoxide detector and double strapping of water heater - pictures included with XXX. Condition is CX.; XXX; Excellent | XXX | XXX |
| 2023010888 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010883 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |
| 2023010875 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010876 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Risk Rating - Reasonable XXX | XXX | XXX |
| 2023010979 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |
| 2023010975 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market Rent X,XXX | XXX | XXX |
| 2023010948 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market Rent X,XXX XXX | XXX | XXX |
| 2023010974 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX vs actual rent XXX per appraisal; Appraisal Assignment Letter in file pg.XXX |  |  |
| 2023010964 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010949 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Condition Quality QX; comparable includeclosed transactions andlisting. | XXX | XXX |
| 2023010898 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010999 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market rent XXX and actual rent XXX per XXX | XXX | XXX |
| 2023010951 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Condition Quality QX | XXX | XXX |
| 2023010950 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |
| 2023010967 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Market and actual rents XXX per XXX | XXX | XXX |
| 2023010965 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |
| 2023010954 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010969 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |
| 2023010847 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Condition Quality QX. Comparables includeclosed sales andlistings; XXX; Low | XXX | XXX |
| 2023010980 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010977 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |
| 2023010976 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |
| 2023010846 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Risk Score: Low Risk XXX | XXX |  |
| 2023010953 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Risk Rating: Reasonable XXX | XXX | XXX |
| 2023010952 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Adjustments exceed tolerances, but appraiser providedclosed sales comps andactive listing to support value. Appraiser addresses adjustments in addendum. XXX sq feet. | XXX |  |
| 2023010978 | XXX | XXX | XXX | XXX | XXX | No | No | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Per xxxx Credit Guidelines DSCR v , Section Valuation Overview XXX appraisal reviews required for all loan amounts.; XXXD pg.XXX | XXX | XXX |

---

## Exhibit 99.26

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.26**

![](ex99-26_image001.jpg)

**Selene D** **iligence LLC ("Selene")** 

**Du**e 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:

**DES**CRIPTION OF SERVICES:

&nbsp;&nbsp;&nbsp;&nbsp;**(1) T** **ype 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 Angel Oak Real Estate Investment Trust III ("Client"). The review was conducted between October 2021 and July 2022 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sa** **mple 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 33 ATR-QM Exempt loans and 39 Non-QM loans for a total of 72 loans the "Final Securitization Population".

*<u>Credit Reviews (72</u> <u>):</u>*

During the Review, Selene performed a credit review on 72 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (72)</u>*

During the Review, Selene performed a compliance review on 72 mortgage loans in the Final Securitization Population.

*<u>Valua</u>*<u>tion Reviews (72):</u>

During the Review, Selene performed a property valuation review on 72 mortgage loans in the Final Securitization

Population.

*<u>Da</u>*<u>ta Integrity Review (72):</u>

During the Review, Selene performed a Data Integrity Review on 72 mortgage loans in the Final Securitization

Population.

**<u>FIN</u>** **<u>AL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 72 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;72 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;72 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;72 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;72 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Dete** **rmination 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") ("NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Qua** **lity 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) Ori** **gination 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>**

Angel Oak Portfolio Programs Underwriting Guidelines, Oaktree Funding Non-Agency Advantage Underwriting Guidelines, and EC Non-QM Investor Eligibility Guidelines **(collectively the "Guidelines")** 

**<u>LOAN G</u>** **<u>RADING</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 REV</u>** **<u>IEW</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 wheth er 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;

● An alyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Co nfirmed 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.

● **O** **riginal 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.

● **Va** **lue 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**

**DAT**A INTEGRITY REVIEW

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

● Tape data rec eived from lender/client is stored in a secured FTP folder;

● Tape data i s uploaded into the application;

● Lo an Reviewer collects validated loan data;

● Each rec eived data point is compared to its counterpart collected data point; and

● D iscrepancies found during comparison are stored and reporte d .

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>SUMM</u>** **<u>ARY 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 72 mortgage loans, (ii) a Compliance Review on 72 mortgage loans (iii) a Valuation Review on 72 mortgage loans, and (iv) a Data Integrity Review on 72 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 72 mortgage loans; 61 mortgage loans had a rating grade of A, 11 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | | &nbsp;&nbsp; ****<br> ***Grades per loan (72 overall loans):***<br> **** | &nbsp;&nbsp; ****<br> ***Grades per loan (72 overall loans):***<br> **** |  |  |
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;31.94% | &nbsp;&nbsp;A | &nbsp;&nbsp;61 | &nbsp;&nbsp;84.72% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.39% | &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;15.28% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;31 | &nbsp;&nbsp;43.06% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;17 | &nbsp;&nbsp;23.61% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |

---

Page **4** of **15**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | |
| | | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;70 | &nbsp;&nbsp;97.22% | &nbsp;&nbsp;A | &nbsp;&nbsp;62 | &nbsp;&nbsp;86.11% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.78% | &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;13.89% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
|  |  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;72 | &nbsp;&nbsp;100% |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |  |  |  |
| &nbsp;&nbsp;D | &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.

*Discla imer:* 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.

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

Page **5** of **15**

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>THI</u>** **<u>RD 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

&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:

Page **9** of **15**

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *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;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

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

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; <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;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <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;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;&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 ind ividuals 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 S t ate 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 99.27

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.27**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2023011031 |  |  | XXX C A |
| 2023011024 |  |  | XXX C A |
| 2023011025 |  |  | XXX D A |
| 2023011023 |  |  | XXX C A B |
| 2023011026 |  |  | XXX A |
| 2023011032 |  |  | XXX D A |
| 2023011027 |  |  | XXX D A |
| 2023011029 |  |  | XXX C A |
| 2023011019 |  |  | XXX C A B |
| 2023011028 |  |  | XXX A |
| 2023011030 |  |  | XXX C A |
| 2023011033 |  |  | XXX C D A B |
| 2023011018 |  |  | XXX C A B |
| 2023011034 |  |  | XXX C A B |
| 2023011035 |  |  | XXX C A B |
| 2023011038 |  |  | XXX A D |
| 2023011039 |  |  | XXX D A B |
| 2023011036 |  |  | XXX A |
| 2023011037 |  |  | XXX C A |
| 2023011051 |  |  | XXX A |
| 2023011052 |  |  | XXX A C |
| 2023011054 |  |  | XXX A |
| 2023011060 |  |  | XXX A C |
| 2023011061 |  |  | XXX A |
| 2023011057 |  |  | XXX C A B |
| 2023011049 |  |  | XXX A |
| 2023011048 |  |  | XXX A |
| 2023011056 |  |  | XXX D A |
| 2023011053 |  |  | XXX C A |
| 2023011055 |  |  | XXX A |
| 2023010616 |  |  | XXX C A |
| 2023010617 |  |  | XXX C A B |
| 2023010614 |  |  | XXX D A |
| 2023010615 |  |  | XXX C A |
| 2023010618 |  |  | XXX D C A |
| 2023011050 |  |  | XXX A |
| 2023011058 |  |  | XXX C A |
| 2023011059 |  |  | XXX A |
| 2023011062 |  |  | XXX B A |
| 2023010612 |  |  | XXX A |
| 2023010613 |  |  | XXX C A B |
| 2023010609 |  |  | XXX A C |
| 2023010610 |  |  | XXX D A |
| 2023010611 |  |  | XXX A |
| 2023010607 |  |  | XXX C A |
| 2023010608 |  |  | XXX C A |
| 2023011040 |  |  | XXX A |
| 2023011071 |  |  | XXX A C |
| 2023011068 |  |  | XXX C A |
| 2023011067 |  |  | XXX A C B |
| 2023011072 |  |  | XXX A |
| 2023011044 |  |  | XXX C D A |
| 2023011042 |  |  | XXX A C |
| 2023011065 |  |  | XXX D A |
| 2023011066 |  |  | XXX A |
| 2023011063 |  |  | XXX A |
| 2023011064 |  |  | XXX A |
| 2023011041 |  |  | XXX A |
| 2023011043 |  |  | XXX A C |
| 2023011069 |  |  | XXX A |
| 2023011070 |  |  | XXX A |
| 2023011045 |  |  | XXX D C A |
| 2023011020 |  |  | XXX A D |
| 2023011046 |  |  | XXX C A |
| 2023011073 |  |  | XXX A |
| 2023011047 |  |  | XXX C A |
| 2023010620 |  |  | XXX A D |
| 2023010619 |  |  | XXX D A |
| 2023011022 |  |  | XXX A |
| 2023011021 |  |  | XXX A D |
| 2023010621 |  |  | XXX A C |
| 2023010622 |  |  | XXX A C |

---

## Exhibit 99.28

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| XXX | 2023011031 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Client provided Insurer's Replacement Cost. Finding resolved. - Due Diligence Vendor- XXX <br>Resolved-Hazard Insurance Coverage Amount of XXX is equal to or greater than Required Coverage Amount of XXX .67 or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Hazard Insurance Coverage Amount of XXX is less than Required Coverage Amount of XXX and Guaranteed Replacement Coverage indicator is 'No' The site value is XXX 0 - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Client provided Insurer's Replacement Cost. Finding resolved. - Due Diligence Vendor- XXX <br>Resolved-Hazard Insurance Coverage Amount of XXX is equal to or greater than Required Coverage Amount of XXX .67 or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 128369 | N/A | N/A |
| XXX | 2023011024 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required Client provided LOX and updated 1003. Finding resolved. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required Client provided LOX and updated 1003. Finding resolved. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Purchase | NA | 138907 | N/A | N/A |
| XXX | 2023011025 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Gap Credit Report Within 10 Days of Closing is Expired | Resolved-Gap Credit Report Date of 10-27-2021 is less than or equal to 10 days from Transaction Date of 09-23-2021 and Gap Report Doc Status is Present - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Gap Credit Report Date of 09-02-2021 is greater than 10 days from Transaction Date of 09-23-2021 and Gap Report Doc Status is Present GAP credit report is > 10 days from closing - Due Diligence Vendor- XXX <br>Open-Gap Credit Report Date of 09-02-2021 is greater than 10 days from Transaction Date of 09-23-2021 and Gap Report Doc Status is Present - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Gap Credit Report Date of 10-27-2021 is less than or equal to 10 days from Transaction Date of 09-23-2021 and Gap Report Doc Status is Present - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 129458 | N/A | N/A |
| XXX | 2023011025 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Missing Doc | Missing credit report | Resolved-Credit Report is Provided - Due Diligence Vendor- XXX <br>Rescinded-Credit Report is Missing Missing initial credit report - Due Diligence Vendor- XXX |  | Resolved-Credit Report is Provided - Due Diligence Vendor- XXX <br>Rescinded-Credit Report is Missing Missing initial credit report - Due Diligence Vendor- XXX |  |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 129489 | N/A | N/A |
| XXX | 2023011025 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor- XXX <br>Rescinded- - Due Diligence Vendor- XXX <br>Ready for Review-Executed 4506_t is not required on a Bank Statement approval - Seller- XXX <br>Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor- XXX | Ready for Review-Executed 4506_t is not required on a Bank Statement approval - Seller- XXX | Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor- XXX |  |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 129444 | N/A | N/A |
| XXX | 2023011025 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-VOM received via bank statements and limited credit report. - Due Diligence Vendor- XXX <br>Unable to Resolve-Incomplete VOM. Client provided bank statements do not provide payment history up to closing. Last payment verified XXX and XXX . - Due Diligence Vendor- XXX <br>Unable to Resolve-Per client - Incomplete VOM. Client provided bank statements do not provide payment history up to closing. Last payment verified XXX and XXX . - Due Diligence Vendor- XXX <br>Unable to Resolve-Incomplete VOM. Client provided bank statements do not provide payment history up to closing. Last payment verified XXX and XXX . - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Counter-Incomplete VOM. Client provided bank statements do not provide payment history up to closing. Last payment verified XXX and XXX . - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. Please review all pages of the bank statements the statements were included in the original credit pkg - Seller- XXX <br>Counter-Missing VOM on borrowers 2 mortgaged properties. Refreshed credit only includes 1 month payment history on 1 loan. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Missing VOM on borrowers 2 mortgaged properties as not showing on expired GAP credit report - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX <br>Ready for Review-Document Uploaded. Please review all pages of the bank statements the statements were included in the original credit pkg - Seller- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX | Resolved-VOM received via bank statements and limited credit report. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 129488 | N/A | N/A |
| XXX | 2023011025 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Client provided corrected 1008. Finding resolved. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-No front ratio showing in diligence final look. 1008 has incorrect HOA dues of XXX r month, should be XXX r month. Incorrect monthly tax amount - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Client provided corrected 1008. Finding resolved. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 129601 | N/A | N/A |
| XXX | 2023011025 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Credit | Missing credit report | Resolved-Client provided Credit Report XXX - Due Diligence Vendor- XXX <br>Resolved- - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Missing initial credit report - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Client provided Credit Report XXX - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 129456 | N/A | N/A |
| XXX | 2023011025 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Doc Issue | Credit score not provided | Resolved-Client provided initial credit report dated XXX . Finding resolved. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-NO credit scores showing on expired GAP credit - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Client provided initial credit report dated XXX . Finding resolved. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 129462 | N/A | N/A |
| XXX | 2023011023 |  |  | Closed | XXX | XXX | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception provided on page 2.<br> P&L done by the Borrower - Due Diligence Vendor- XXX |  | Waived-Exception provided on page 2.<br> P&L done by the Borrower - Due Diligence Vendor- XXX |  |  | Compensating Factors:<br> - See 12 mos business bank statements, pays now and new payment is lower, R&T Refi of a primary residence. See 1008.<br> - 745 FICO<br> - Good Credit<br> - Has reserves (26.71 months reserves) | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 804562 | Originator Pre-Close | Yes |
| XXX | 2023011023 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Client provided updated 1003. Finding resolved. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Counter-Please provide updated 1003 to reflect correct calculated income of XXX , per Income Worksheet and 1008. - Due Diligence Vendor- XXX <br>Ready for Review-(Other) income was incorrectly marked. That amount is the borrower's regular business income. Please see attached income worksheet. - Seller- XXX <br>Open-Assets of XXX (other) documentation missing, other than listed on Final 1003. Please provide. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX <br>Ready for Review-(Other) income was incorrectly marked. That amount is the borrower's regular business income. Please see attached income worksheet. - Seller- XXX | Resolved-Client provided updated 1003. Finding resolved. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 127864 | N/A | N/A |
| XXX | 2023011023 |  |  | Closed | XXX | XXX | Resolved | 1 - Information B A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-1008 in file. Finding resolved. - Due Diligence Vendor- XXX <br>Ready for Review-Final 1008 is page 1 of the credit package. - Seller- XXX <br>Open-Final 1008 missing from documents. Please provide. - Due Diligence Vendor- XXX | Ready for Review-Final 1008 is page 1 of the credit package. - Seller- XXX | Resolved-1008 in file. Finding resolved. - Due Diligence Vendor- XXX |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 127875 | N/A | N/A |
| XXX | 2023011032 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor- XXX <br>Open-Borrower 1 Citizenship Documentation Is Missing No documentation provided - Due Diligence Vendor- XXX |  | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor- XXX |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 143192 | N/A | N/A |
| XXX | 2023011032 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Borrower 1 Tax Returns Are Signed - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Borrower 1 Tax Returns Not Signed Tax returns are unsigned copies - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Borrower 1 Tax Returns Are Signed - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 143335 | N/A | N/A |
| XXX | 2023011027 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor- XXX <br>Resolved-Client provided ITIN assignment and CA Drivers License to match CIP Form in file. Finding resolved. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Counter- - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. ITIN attached - Seller- XXX <br>Open-Borrower 1 Citizenship Documentation Is Missing Have borrower's drivers license page 43. However citizenship documents are missing from the file. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX <br>Ready for Review-Document Uploaded. ITIN attached - Seller- XXX | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor- XXX <br>Resolved-Client provided ITIN assignment and CA Drivers License to match CIP Form in file. Finding resolved. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Purchase | NA | 141639 | N/A | N/A |
| XXX | 2023011029 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD Entered. CE Minimal. Finding resolved. - Due Diligence Vendor- XXX <br> Resolved-Resolved - Due Diligence Vendor- XXX <br> Rescinded-The closing date is XXX which is the Notary date of the DOT. The borrower was given 3 days to cancel the transaction (XXX XXX and XXX) . <br> Finding is rescinded. - Due Diligence Vendor- XXX <br> Ready for Review-Document Uploaded. Funds disbursed XXX - Seller- XXX <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. <br> \*\*\*ROR, page xxx, reflects transaction date XXX with cancel by date XXX . Per Notary Date, transaction date is XXX . Please provide a corrected ROR with Borrower initials recognizing date changes and borrower signature.\*\*\* - Due Diligence Vendor- XXX <br> Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. Funds disbursed XXX - Seller- XXX | Resolved-PCCD Entered. CE Minimal. Finding resolved. - Due Diligence Vendor- XXX <br>Resolved-Resolved - Due Diligence Vendor- XXX <br>Rescinded-The closing date is XXX which is the Notary date of the DOT. The borrower was given 3 days to cancel the transaction (XXX XXX and XXX) . <br> Finding is rescinded. - Due Diligence Vendor- XXX | xxxx |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 142512 | N/A | N/A |
| XXX | 2023011029 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor- XXX <br> Resolved-Settlement statement received showing Judgement was paid off at closing - Due Diligence Vendor- XXX <br> Ready for Review-Document Uploaded. Shows payoff to xxx Partners LLC - Seller- XXX <br> Open-Property Title Issue There is a Judgment against the borrower on the title commitment See Page 410 #8 not paid at closing - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. Shows payoff to EBF Partners LLC - Seller- XXX | Resolved-Property Title Issue Resolved - Due Diligence Vendor- XXX <br>Resolved-Settlement statement received showing Judgement was paid off at closing - Due Diligence Vendor- XXX | xxxx |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 141748 | N/A | N/A |
| XXX | 2023011019 |  |  | Closed | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Credit | DTI (Back) Ratio does not meet eligibility requirement(s) | Waived-Exception received for DTI of 51.02 - Due Diligence Vendor- XXX <br>Resolved-Exception received for DTI of 51.02 - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Lender Exception on page 5 states:<br> DTi is 51% not 50<br> compensating factors: Full Doc Income, Good Residual, 706 FICO 68.4% LTV - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Waived-Exception received for DTI of 51.02 - Due Diligence Vendor- XXX <br>Resolved-Exception received for DTI of 51.02 - Due Diligence Vendor- XXX | xxxx |  | Full doc income, good residual (currently XXX 5), 706 FICO | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 144087 | Originator Post-Close | Yes |
| XXX | 2023011019 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor- XXX <br>Resolved-Received revised 1003 with demographic info completed. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller- XXX <br>Open-Borrower 1 Ethnicity Selection is Not Provided Borrower 1 Ethnicity, Gender and Race selections are all missing on both page 12 of the Initial Application and page 25 of the Final Application. Please provide a corrected Final. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. Document Uploaded. - Seller- XXX | Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor- XXX <br>Resolved-Received revised 1003 with demographic info completed. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 143821 | N/A | N/A |
| XXX | 2023011019 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Gender Selection is Not Provided | Resolved-Borrower 1 Gender Selection is Provided - Due Diligence Vendor- XXX <br>Rescinded-Borrower 1 Gender Selection is Not Provided Addressed in other Finding. - Due Diligence Vendor- XXX |  | Resolved-Borrower 1 Gender Selection is Provided - Due Diligence Vendor- XXX <br>Rescinded-Borrower 1 Gender Selection is Not Provided Addressed in other Finding. - Due Diligence Vendor- XXX |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 143822 | N/A | N/A |
| XXX | 2023011019 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor- XXX <br>Rescinded-Borrower 1 Race Selection is Not Provided Addressed in other Finding. - Due Diligence Vendor- XXX |  | Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor- XXX <br>Rescinded-Borrower 1 Race Selection is Not Provided Addressed in other Finding. - Due Diligence Vendor- XXX |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 143823 | N/A | N/A |
| XXX | 2023011030 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Data | Qualifying LTV % does not match 1008 Page LTV %. | Resolved-The Diligence Final Look Page Qualifying LTV matches the 1008 Page Qualifying LTV. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-The Diligence Final Look Page Qualifying LTV is XXX but the 1008 Page Qualifying LTV is XXX . Please confirm the correct qualifying property value flag was chosen. Need updated 1008. Current one has the loan amount for 413,000. The LTV calculation was used with the prior loan amount. - Due Diligence Vendor- XXX <br>Open-The Diligence Final Look Page Qualifying LTV is XXX but the 1008 Page Qualifying LTV is XXX . Please confirm the correct qualifying property value flag was chosen. - Due Diligence Vendor- XXX <br>Open-The Diligence Final Look Page Qualifying LTV is XXX but the 1008 Page Qualifying LTV is XXX . Please confirm the correct qualifying property value flag was chosen. Need updated 1008. Current one has the loan amount for 413,000. The LTV calculation was used with the prior loan amount. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-The Diligence Final Look Page Qualifying LTV matches the 1008 Page Qualifying LTV. - Due Diligence Vendor- XXX | xxxx |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 153220 | N/A | N/A |
| XXX | 2023011033 |  |  | Closed | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Waived-DSCR + is 1 million. This is 1.2 million - Due Diligence Vendor- XXX <br>Open- - Due Diligence Vendor- XXX |  | Waived-DSCR + is 1 million. This is 1.2 million - Due Diligence Vendor- XXX |  |  | Subject property has a good cash flow. Has 3 year PP, and borrower has good credit score(722) Cash out an investment property with a good cash flow. | CA | Investment | Refinance | Cash Out - Other | 804335 | Originator Pre-Close | Yes |
| XXX | 2023011033 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Final HUD-1 Document is Missing Please provide final hud 1 with closing costs and fees. Thank you - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Refinance | Cash Out - Other | 155014 | N/A | N/A |
| XXX | 2023011018 |  |  | Closed | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Closing | Gap Credit Report Within 10 Days of Closing is Expired | Waived-GAP Report greater than 10 days from transaction - Due Diligence Vendor- XXX <br>Waived- - Due Diligence Vendor- XXX <br>Resolved-Client provided Exception Letter for GAP Credit > 10 days from closing. Finding resolved. - Due Diligence Vendor- XXX <br>Resolved-Exception allowing for GAP credit > 10 days from closing. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Gap Credit Report Date of 10-14-2021 is greater than 10 days from Transaction Date of 10-26-2021 and Gap Report Doc Status is Present Gap Credit Report Date of 10-14-2021, page 620 cr, is greater than 10 days from Transaction Date of 10-26-2021 and Gap Report Doc Status is Present - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Waived-GAP Report greater than 10 days from transaction - Due Diligence Vendor- XXX <br>Resolved-Client provided Exception Letter for GAP Credit > 10 days from closing. Finding resolved. - Due Diligence Vendor- XXX <br>Resolved-Exception allowing for GAP credit > 10 days from closing. - Due Diligence Vendor- XXX | xxxx |  | Low LTV: 50% , reserves via cash out. (320,024.84) | CA | Primary Residence | Refinance | Cash Out - Other | 158928 | Originator Post-Close | Yes |
| XXX | 2023011018 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Client provided PCCD, 12/1/2021 with disbursement date 11/1/2021. <br> ROR Cancel XXX date is prior to disbursement date. PCCD entered and CE re-ran. Finding resolved. - Due Diligence Vendor- XXX <br>Resolved-Right to Cancel transaction date is XXX (closing date) and the cancel date is XXX . Borrower has untik XXX midnight to cancel. PCCD issued 12/1/2021 with new disbursement date 11/1/2021. Cancel date is before the disbursement date.<br> PCCD entered in TRID Disclosure Header and CE re-ran. - Due Diligence Vendor- XXX <br>Resolved-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor- XXX <br>Resolved-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Right to Cancel transaction date is XXX (closing date) and the cancel date is XXX . Borrower has untik XXX midnight to cancel. PCCD issued 12/1/2021 with new disbursement date 11/1/2021. Cancel date is before the disbursement date.<br> PCCD entered in TRID Disclosure Header and CE re-ran. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. Recission date is up midnight 10/26, disbursement date 11/1 - no recission violation - Seller- XXX <br>Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Final CD XXX , page 670, reflect Closing Date XXX and Disbursement Date XXX . Please provide updated PCCD to reflect correct Closing date XXX with updated disbursement date and per diems. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. Recission date is up midnight 10/26, disbursement date 11/1 - no recission violation - Seller- XXX | Resolved-Client provided PCCD, 12/1/2021 with disbursement date 11/1/2021. <br> ROR Cancel XXX date is prior to disbursement date. PCCD entered and CE re-ran. Finding resolved. - Due Diligence Vendor- XXX <br>Resolved-Right to Cancel transaction date is XXX (closing date) and the cancel date is XXX . Borrower has untik XXX midnight to cancel. PCCD issued 12/1/2021 with new disbursement date 11/1/2021. Cancel date is before the disbursement date.<br> PCCD entered in TRID Disclosure Header and CE re-ran. - Due Diligence Vendor- XXX <br>Resolved-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor- XXX <br>Resolved-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Right to Cancel transaction date is XXX (closing date) and the cancel date is XXX . Borrower has untik XXX midnight to cancel. PCCD issued 12/1/2021 with new disbursement date 11/1/2021. Cancel date is before the disbursement date.<br> PCCD entered in TRID Disclosure Header and CE re-ran. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 159633 | N/A | N/A |
| XXX | 2023011034 |  |  | Closed | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Closing | Gap Credit Report Within 10 Days of Closing is Expired | Waived- - Due Diligence Vendor- XXX <br>Resolved-Client provided exception Gap credit report not within 10 days of closing - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Gap Credit Report Date of 10-19-2021 is greater than 10 days from Transaction Date of 10-30-2021 and Gap Report Doc Status is Present The loan closed on XXX an updated Gap Credit report was needed - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Client provided exception Gap credit report not within 10 days of closing - Due Diligence Vendor- XXX | xxxx |  | 65% LTV, 714 Fico, 400K cash - out for reserves | CA | Investment | Refinance | Cash Out - Other | 163347 | Originator Pre-Close | Yes |
| XXX | 2023011035 |  |  | Closed | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Closing | Gap Credit Report Within 10 Days of Closing is Expired | Waived-Received exception for the gap report being greater than 10 days.<br> - Due Diligence Vendor- XXX <br>Waived-Received exception for the gap report being greater than 10 days.<br> - Due Diligence Vendor- XXX <br>Waived- - Due Diligence Vendor- XXX <br>Resolved-Received exception for the gap report being greater than 10 days. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Gap Credit Report Date of 11-22-2021 is greater than 10 days from Transaction Date of 12-06-2021 and Gap Report Doc Status is Present Missing Gap Report, there is a supplemental report showing amounts for the Mortgages in file, but not other liabilities. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Waived-Received exception for the gap report being greater than 10 days.<br> - Due Diligence Vendor- XXX <br>Waived-Received exception for the gap report being greater than 10 days.<br> - Due Diligence Vendor- XXX <br>Resolved-Received exception for the gap report being greater than 10 days. - Due Diligence Vendor- XXX | xxxx |  | Low LTV (XXX) , High FICO (FICO 772) | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 217988 | Originator Pre-Close | Yes |
| XXX | 2023011035 |  |  | Closed | XXX | XXX | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-A check of XXX s paid to borrower as a cure to compensate for the increase in appraisal fee at closing - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Counter-The increase/addition to the following fee(s) was not accepted because a valid reason was not provided: CD XXX and Final CD XXX Appraisal Fee from XXX o XXX A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). - Due Diligence Vendor- XXX <br>Counter-The increase/addition to the following fee(s) was not accepted because a valid reason was not provided: CD XXX and Final CD XXX Appraisal Fee from XXX o XXX A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. Initial LE shows Appraisal fee at XXX s does the rate lock CIC, where is the discrepancy? - Seller- XXX <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Missing valid change of circumstance for the increase in appraisal fee on the initial closing disclosure. - Due Diligence Vendor- XXX <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX <br>Ready for Review-Document Uploaded. Initial LE shows Appraisal fee at XXX s does the rate lock CIC, where is the discrepancy? - Seller- XXX | Cured-A check of XXX s paid to borrower as a cure to compensate for the increase in appraisal fee at closing - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 211549 | N/A | N/A |
| XXX | 2023011035 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1003 and 1008 received - Due Diligence Vendor- XXX <br> Ready for Review-Document Uploaded. see updated 1003 & 1008 - Seller- XXX <br> Open-Some liabilities are missing in the credit report. Hence, DTI not Match.<br> REV xxxx #xxxx XXX V XXX V xxx #xxx XXX en account xxx #xxx XXX , REV xxx Refresh #xxx XXX Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. see updated 1003 & 1008 - Seller- XXX | Resolved-Updated 1003 and 1008 received - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 211498 | N/A | N/A |
| XXX | 2023011038 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Final HUD-1 Document is Missing Executed final Hud1/Settlement Statement missing from the file. - Due Diligence Vendor- XXX <br>Open-Final HUD-1 Document is Missing - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX | xxxx |  |  | AZ | Investment | Purchase | NA | 211098 | N/A | N/A |
| XXX | 2023011039 |  |  | Closed | XXX | XXX | Waived | 2 - Non-Material B | Credit | Credit | CLTV/LTV exceeds guidelines | Waived-Exception on file for LTV being over 70% for a cashout loan - Due Diligence Vendor- XXX <br>Waived-pg 31 - Due Diligence Vendor- XXX <br>Waived-cash out above 70% (75%) - Due Diligence Vendor- XXX |  | Waived-Exception on file for LTV being over 70% for a cashout loan - Due Diligence Vendor- XXX <br>Waived-pg 31 - Due Diligence Vendor- XXX <br>Waived-cash out above 70% (75%) - Due Diligence Vendor- XXX |  |  | DSCR over 1 (1.05 currently), high level of reserves (22 months currently) | CA | Investment | Refinance | Cash Out - Other | 808992 | Originator Pre-Close | Yes |
| XXX | 2023011039 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX <br>Resolved-Documentation provided as requested. Finding resolved.<br> - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Final HUD-1 Document is Missing Executed Final HUD-1/Settlement Statement is missing from the file, please provide - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX <br>Resolved-Documentation provided as requested. Finding resolved.<br> - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Refinance | Cash Out - Other | 210582 | N/A | N/A |
| XXX | 2023011039 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Gap Credit Report | Resolved-This is a DSCR investment. Per GL's, a gap credit report is required within 10 days of closing. (Not Required on DSCR Investment) - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. GAP Credit report is not required on DSCR Investment program - Seller- XXX <br>Open-Gap Credit Report is Missing - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. GAP Credit report is not required on DSCR Investment program - Seller- XXX | Resolved-This is a DSCR investment. Per GL's, a gap credit report is required within 10 days of closing. (Not Required on DSCR Investment) - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Refinance | Cash Out - Other | 210365 | N/A | N/A |
| XXX | 2023011037 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Credit | Residency | Resolved-ITIN program only requires evidence of ITIN not residency - Due Diligence Vendor- XXX <br>Ready for Review-ITIN program only requires evidence of ITIN not residency - Seller- XXX <br>Open-The Final 1003 for each borrower indicates Permanent Resident Alien. UW indicated documents missing. Please provide residency documents or updated Final 1003 for each borrower. - Due Diligence Vendor- XXX | Ready for Review-ITIN program only requires evidence of ITIN not residency - Seller- XXX | Resolved-ITIN program only requires evidence of ITIN not residency - Due Diligence Vendor- XXX |  |  |  | CA | Primary Residence | Purchase | NA | 337209 | N/A | N/A |
| XXX | 2023011037 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Compliance | TRID CD disclosure violation; Closing Disclosure is missing the Mortgage Lender's NMLS ID. | Resolved-Client provided updated F1003 to include lender NMLS. Finding resolved. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-This loan was originated by the Lender, however the NMLS ID number is not documented under the contact information portion of the Final CD. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Client provided updated F1003 to include lender NMLS. Finding resolved. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Purchase | NA | 214227 | N/A | N/A |
| XXX | 2023011052 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Closing | Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty | Resolved-Client provided CD which includes Prepayment penalty. Updated data points. Finding resolved. - Due Diligence Vendor- XXX <br>Resolved-The Note and CD Prepayment Penalty Issue Resolved - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. Please see attached. CD shows YES for prepayment penalty - Seller- XXX <br>Open-Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. Please see attached. CD shows YES for prepayment penalty - Seller- XXX | Resolved-Client provided CD which includes Prepayment penalty. Updated data points. Finding resolved. - Due Diligence Vendor- XXX <br>Resolved-The Note and CD Prepayment Penalty Issue Resolved - Due Diligence Vendor- XXX | xxxx |  |  | FL | Investment | Refinance | Cash Out - Other | 229638 | N/A | N/A |
| XXX | 2023011060 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Client provided COC for increases. Finding resolved. - Due Diligence Vendor- XXX <br>Rescinded-. - Due Diligence Vendor- XXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor- XXX |  | Resolved-Client provided COC for increases. Finding resolved. - Due Diligence Vendor- XXX <br>Rescinded-. - Due Diligence Vendor- XXX |  |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 233837 | N/A | N/A |
| XXX | 2023011060 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Transfer Taxes Fee Increase There is no COC Please Provide it - Due Diligence Vendor- XXX <br>Open- - Due Diligence Vendor- XXX <br>Rescinded-. - Due Diligence Vendor- XXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Resolved - Due Diligence Vendor- XXX <br>Rescinded-. - Due Diligence Vendor- XXX | xxxx |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 233839 | N/A | N/A |
| XXX | 2023011060 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX 00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Client provided COC for increases. Finding resolved. - Due Diligence Vendor- XXX <br>Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX 00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor- XXX <br>Ready for Review-uploaded LE and COC to clear - Seller- XXX <br>Open-Transfer Taxes Fee Increase There is no COC Please Provide it - Due Diligence Vendor- XXX <br>Open-There Is No COC On Transfer Tax Which Was In Intimal LE Fee Was 9466 But it Increase XXX . In Revived LE Dated On 11-29-2021.Please Provided COC on This fee. - Due Diligence Vendor- XXX | Ready for Review-uploaded LE and COC to clear - Seller- XXX | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX 00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Client provided COC for increases. Finding resolved. - Due Diligence Vendor- XXX <br>Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX 00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor- XXX |  |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 233840 | N/A | N/A |
| XXX | 2023011057 |  |  | Closed | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Credit | Appraisal deficiency. | Waived-Per client, Appraiser is refusing to change to owner occupied - see email. XXX validated will be primary res, exception received from client which stipulates Appraisal marked Tenant Occupied.(XXX validated will be primary res) Also in file is occupancy certificate from borrower denoting primary residence.<br> - Due Diligence Vendor- XXX <br>Resolved-Per client, Appraiser is refusing to change to owner occupied - see email. XXX validated will be primary res, exception received from client which stipulates Appraisal marked Tenant Occupied.(XXX validated will be primary res) Also in file is occupancy certificate from borrower denoting primary residence. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. Appraiser is refusing to change to owner occupied - see email. XXX validated will be primary res. - Seller- XXX <br>Open-Appraiser marked this as tenant occupied, on 1008 buyer states will be primary residence - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. Appraiser is refusing to change to owner occupied - see email. XXX validated will be primary res. - Seller- XXX | Waived-Per client, Appraiser is refusing to change to owner occupied - see email. XXX validated will be primary res, exception received from client which stipulates Appraisal marked Tenant Occupied.(XXX validated will be primary res) Also in file is occupancy certificate from borrower denoting primary residence.<br> - Due Diligence Vendor- XXX <br>Resolved-Per client, Appraiser is refusing to change to owner occupied - see email. XXX validated will be primary res, exception received from client which stipulates Appraisal marked Tenant Occupied.(XXX validated will be primary res) Also in file is occupancy certificate from borrower denoting primary residence. - Due Diligence Vendor- XXX | xxxx |  | Residual Income > XXX Currently XXX 66)<br> Excess Reserves 3+ months (Currently 188) | TX | Primary Residence | Purchase | NA | 244152 | Originator Post-Close | Yes |
| XXX | 2023011057 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Doc Issue | Missing income documentation (ATR) | Resolved-Client provided updated 1008. Finding resolved. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Income on the final 1008 is at 43,294.29. Based off income calculation page. 137 monthly income is at 39,290.36. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Client provided updated 1008. Finding resolved. - Due Diligence Vendor- XXX | xxxx |  |  | TX | Primary Residence | Purchase | NA | 244088 | N/A | N/A |
| XXX | 2023011056 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Client Provided documentation of updated income. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Counter-Need final income of XXX .03 showing on income worksheet removed and replaced with XXX .06. Thanks - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. 12 mos total is XXX 06 (the w/s is showing for 24 months /unable to change formula) the XXX was used since it was the initial 1003 inc - per XXX guidelines this figure should be used. - Seller- XXX <br>Open- - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX <br>Ready for Review-Document Uploaded. 12 mos total is XXX 06 (the w/s is showing for 24 months /unable to change formula) the XXX was used since it was the initial 1003 inc - per XXX guidelines this figure should be used. - Seller- XXX | Resolved-Client Provided documentation of updated income. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Purchase | NA | 257524 | N/A | N/A |
| XXX | 2023011056 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor- XXX <br>Resolved-All interest parties screened thru OFAC - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-All Interested Parties Not Checked with Exclusionary Lists Title company and closer, HOI, Credit reporting agency, Clear capital review appraiser, Buyer and seller real estate companies as well as buyer and seller agents not screened. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor- XXX <br>Resolved-All interest parties screened thru OFAC - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Purchase | NA | 257452 | N/A | N/A |
| XXX | 2023011056 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Per client- XXX Guidelines, Loan program was 12 mos PERSONAL bank stmt. Business narrative is not required. - Due Diligence Vendor- XXX <br>Ready for Review-Per XXX Guidelines, Loan program was 12 mos PERSONAL bank stmt. Business narrative is not required. - Seller- XXX <br>Open-Missing Business narrative - Due Diligence Vendor- XXX | Ready for Review-Per XXX Guidelines, Loan program was 12 mos PERSONAL bank stmt. Business narrative is not required. - Seller- XXX | Resolved-Per client- XXX Guidelines, Loan program was 12 mos PERSONAL bank stmt. Business narrative is not required. - Due Diligence Vendor- XXX |  |  |  | CA | Primary Residence | Purchase | NA | 257243 | N/A | N/A |
| XXX | 2023011053 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-Client provided hazard insurance document uploaded resolved - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Hazard Policy Loss of rent is not added to the policy on page 61cr - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Client provided hazard insurance document uploaded resolved - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Purchase | NA | 261208 | N/A | N/A |
| XXX | 2023011053 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Client provided hazard insurance document uploaded resolved - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. RCE supports dwelling coverage. - Seller- XXX <br>Open-Hazard Insurance Coverage Amount of XXX is less than Required Coverage Amount of XXX 0 and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of XXX is less than Required Coverage Amount of XXX 0 Please provided sufficient hazard coverage. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. RCE supports dwelling coverage. - Seller- XXX | Resolved-Client provided hazard insurance document uploaded resolved - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Purchase | NA | 261296 | N/A | N/A |
| XXX | 2023010616 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Client provided declaration page reflecting coverage that meets guidelines. This finding is resolved. - Due Diligence Vendor- XXX <br>Resolved-Hazard Insurance Coverage Amount of XXX is equal to or greater than Required Coverage Amount of XXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. Pls note the RCE (Replacement Cost Estimator) in file shows XXX 2 which sows the Bwr has enough Insurance coverage. No other info is req'd - Seller- XXX <br>Open-Hazard Insurance Coverage Amount of XXX is less than Required Coverage Amount of XXX and Guaranteed Replacement Coverage indicator is 'No' Coverage amount les than loan amount. Please provide document with sufficient coverage. - Due Diligence Vendor- XXX <br>Open-Hazard Insurance Coverage Amount of XXX is less than Required Coverage Amount of XXX and Guaranteed Replacement Coverage indicator is 'No' - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. Pls note the RCE (Replacement Cost Estimator) in file shows XXX 2 which sows the Bwr has enough Insurance coverage. No other info is req'd - Seller- XXX | Resolved-Client provided declaration page reflecting coverage that meets guidelines. This finding is resolved. - Due Diligence Vendor- XXX <br>Resolved-Hazard Insurance Coverage Amount of XXX is equal to or greater than Required Coverage Amount of XXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor- XXX | xxxx |  |  | FL | Primary Residence | Purchase | NA | 290880 | N/A | N/A |
| XXX | 2023010616 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | TRID Lender's and Owner's Title Insurance Policy Amounts Validation Test | Resolved-Resolved - Due Diligence Vendor- XXX <br>Open-This loan failed the TRID Lender's and Owner's Title Insurance Policy Amounts validation test.This loan contains a value for one, but not both of the following fields:As Disclosed Lender's Title Insurance Policy and Actual Lender's Title Insurance Policy; orAs Disclosed Owner's Title Insurance Policy and Actual Owner's Title Insurance Policy.The CFPB's Official Interpretations to the TILA-RESPA Integrated Disclosure (TRID) Final Rule requires the use of a specific calculation to arrive at the value to be provided on the disclosure forms. The Lender's Title Insurance Policy is always disclosed as the full policy amount, even if a simultaneous issue of the Owner's Title Insurance Policy is present. The Owner's Title Insurance Policy is calculated by taking the full owner's title insurance premium, adding the simultaneous issuance premium for the lender's coverage (if any), and then deducting the full premium for the lender's coverage. The value derived from this calculation is required for accurate tolerance testing under TRID, and should be entered in the "as disclosed" field in ComplianceAnalyzer.The "as disclosed" value derived from the above calculation, however, generally will not be representative of the actual value paid for the title insurance. Therefore it cannot be used for testing state and federal fee thresholds, as it will likely yield incorrect results for such tests. Accordingly, the actual value paid for the title insurance must be entered in the corresponding "actual" title insurance policy field(s). If there is no difference between the actual and disclosed values for either the owner's or lender's title insurance, please enter the same value in the "actual" and "as disclosed" fields. For more information on how these fields are used, please refer to the glossary. - Due Diligence Vendor- XXX |  | Resolved-Resolved - Due Diligence Vendor- XXX |  |  |  | FL | Primary Residence | Purchase | NA | 284042 | N/A | N/A |
| XXX | 2023010616 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor- XXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. No valid CIC in file to validate change in Third party processing fees and State/Tax Stamps. Please provide change in circumstances document. - Due Diligence Vendor- XXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor- XXX |  | Resolved-Resolved - Due Diligence Vendor- XXX |  |  |  | FL | Primary Residence | Purchase | NA | 284043 | N/A | N/A |
| XXX | 2023010616 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor- XXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. No valid CIC in file to validate change in Third party processing fees and State/Tax Stamps. Please provide change in circumstances document. - Due Diligence Vendor- XXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor- XXX |  | Resolved-Resolved - Due Diligence Vendor- XXX |  |  |  | FL | Primary Residence | Purchase | NA | 284044 | N/A | N/A |
| XXX | 2023010616 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX 75.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor- XXX <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX 75.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). No valid CIC in file to validate change in Third party processing fees and State/Tax Stamps. Please provide change in circumstances document. - Due Diligence Vendor- XXX |  | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX 75.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor- XXX |  |  |  | FL | Primary Residence | Purchase | NA | 284045 | N/A | N/A |
| XXX | 2023010617 |  |  | Closed | XXX | XXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Document Uploaded. Audited Reserves of 5 month(s) are less than Guideline Required Reserves of 6 month(s), exception has been received. <br> - Due Diligence Vendor- XXX <br>Rescinded-Audited Reserves of 5 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor- XXX |  | Waived-Document Uploaded. Audited Reserves of 5 month(s) are less than Guideline Required Reserves of 6 month(s), exception has been received. <br> - Due Diligence Vendor- XXX <br>Rescinded-Audited Reserves of 5 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor- XXX | xxxx |  | DTI at XXX , payment shock is at 0%, Residual Income at $8715 | AZ | Primary Residence | Purchase | NA | 809566 | Originator Post-Close | Yes |
| XXX | 2023010617 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of 12-30-2021 is prior to or equal to the Note Date of 12-30-2021 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Hazard Insurance Effective Date of 12-31-2021 is after the Note Date of 12-30-2021 - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Hazard Insurance Effective Date of 12-30-2021 is prior to or equal to the Note Date of 12-30-2021 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor- XXX | xxxx |  |  | AZ | Primary Residence | Purchase | NA | 283624 | N/A | N/A |
| XXX | 2023010617 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA APR Test | Resolved-This loan failed the TILA APR test.<br> (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) <br> The annual percentage rate (APR) is 7.107%. The disclosed APR of 6.945% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. - Due Diligence Vendor- XXX |  | Resolved-This loan failed the TILA APR test.<br> (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) <br> The annual percentage rate (APR) is 7.107%. The disclosed APR of 6.945% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. - Due Diligence Vendor- XXX |  |  |  | AZ | Primary Residence | Purchase | NA | 317444 | N/A | N/A |
| XXX | 2023010617 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is XXX 6.22. The disclosed finance charge of XXX 6.22 is not considered accurate because it is understated by more than XXX Due Diligence Vendor- XXX |  | Resolved-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is XXX 6.22. The disclosed finance charge of XXX 6.22 is not considered accurate because it is understated by more than XXX Due Diligence Vendor- XXX |  |  |  | AZ | Primary Residence | Purchase | NA | 317445 | N/A | N/A |
| XXX | 2023010617 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised 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 revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised 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 transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor- XXX |  | Resolved-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised 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 revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised 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 transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor- XXX |  |  |  | AZ | Primary Residence | Purchase | NA | 317446 | N/A | N/A |
| XXX | 2023010617 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-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- XXX <br>Rescinded-Located in the file on page 5 - Due Diligence Vendor- XXX |  | Resolved-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- XXX <br>Rescinded-Located in the file on page 5 - Due Diligence Vendor- XXX |  |  |  | AZ | Primary Residence | Purchase | NA | 283687 | N/A | N/A |
| XXX | 2023010617 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor- XXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor- XXX |  | Resolved-Resolved - Due Diligence Vendor- XXX |  |  |  | AZ | Primary Residence | Purchase | NA | 283688 | N/A | N/A |
| XXX | 2023010617 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor- XXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor- XXX |  | Resolved-Resolved - Due Diligence Vendor- XXX |  |  |  | AZ | Primary Residence | Purchase | NA | 283689 | N/A | N/A |
| XXX | 2023010617 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX 00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor- XXX <br>Ready for Review-Pls advise what fees increased - Seller- XXX | Ready for Review-Pls advise what fees increased - Seller- XXX | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX 00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor- XXX |  |  |  | AZ | Primary Residence | Purchase | NA | 283690 | N/A | N/A |
| XXX | 2023010617 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-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 XXX ardless 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:As not being open on SundayAs not being open on Thanksgiving Day (XXX , XXX)As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The 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- XXX <br>Resolved-Confirmed Saturday is not a Business day for this company - Due Diligence Vendor- XXX <br>Ready for Review-Pls note App date was XXX which was on a Fri. We don't count the weekends. The LE went on on XXX , this is an invalid condition - Seller- XXX | Ready for Review-Pls note App date was XXX which was on a Fri. We don't count the weekends. The LE went on on XXX , this is an invalid condition - Seller- XXX | Resolved-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 XXX ardless 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:As not being open on SundayAs not being open on Thanksgiving Day (XXX , XXX)As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The 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- XXX <br>Resolved-Confirmed Saturday is not a Business day for this company - Due Diligence Vendor- XXX |  |  |  | AZ | Primary Residence | Purchase | NA | 283692 | N/A | N/A |
| XXX | 2023010614 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) Document is valid. referenced document with finding code FCRE1499 - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <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. - Due Diligence Vendor- XXX <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 not in file at time of review. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) Document is valid. referenced document with finding code FCRE1499 - Due Diligence Vendor- XXX | xxxx |  |  | FL | Investment | Purchase | NA | 287631 | N/A | N/A |
| XXX | 2023010615 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Letter of Attestation from Angel Oak received. Rescinded Finding. - Due Diligence Vendor- XXX <br> Ready for Review-Document Uploaded. - Seller- XXX <br> Open-Flood Insurance Effective Date of xxxx is after the Note Date of xxxxFlood Insurance Effective Date of xxxx is after the Note Date of xxxx (as reflected on p 386 and 387). - Due Diligence Vendor- XXX <br> Open-Flood Insurance Effective Date of xxxx is after the Note Date of xxxx - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Letter of Attestation from Angel Oak received. Rescinded Finding. - Due Diligence Vendor- XXX | xxxx |  |  | FL | Second Home | Purchase | NA | 287933 | N/A | N/A |
| XXX | 2023010618 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Finding has been resolved and cleared per uploaded documents. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Finding has been resolved and cleared per uploaded documents. - Due Diligence Vendor- XXX | xxxx |  |  | IA | Primary Residence | Purchase | NA | 285848 | N/A | N/A |
| XXX | 2023010618 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 WVOE Missing | Resolved-Resolved per client. - Due Diligence Vendor- XXX <br>Ready for Review-No VOE is req'd due to this is a BS Loan. Invalid condition - Seller- XXX <br>Open-Borrower 2 WVOE Missing - Due Diligence Vendor- XXX | Ready for Review-No VOE is req'd due to this is a BS Loan. Invalid condition - Seller- XXX | Resolved-Resolved per client. - Due Diligence Vendor- XXX |  |  |  | IA | Primary Residence | Purchase | NA | 285749 | N/A | N/A |
| XXX | 2023010618 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Resolved per client. - Due Diligence Vendor- XXX <br>Ready for Review-No 4506T is req'd on BS Loans; Invalid condition - Seller- XXX <br>Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor- XXX | Ready for Review-No 4506T is req'd on BS Loans; Invalid condition - Seller- XXX | Resolved-Resolved per client. - Due Diligence Vendor- XXX |  |  |  | IA | Primary Residence | Purchase | NA | 292345 | N/A | N/A |
| XXX | 2023010618 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Resolved per client. - Due Diligence Vendor- XXX <br>Ready for Review-No 4506T is req'd on BS Loans; Invalid condition - Seller- XXX <br>Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor- XXX | Ready for Review-No 4506T is req'd on BS Loans; Invalid condition - Seller- XXX | Resolved-Resolved per client. - Due Diligence Vendor- XXX |  |  |  | IA | Primary Residence | Purchase | NA | 292346 | N/A | N/A |
| XXX | 2023011058 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Client provided updated final 1003 document uploaded resolved - Due Diligence Vendor- XXX <br> Ready for Review-Document Uploaded. Assets not needed - Removed - Seller- XXX <br> Open-Assets Document is missing,<br> 1003 Document mention WxxxxAccount Number xxxx and xxxx Document is missing. Please Provide the xxxx Account Document, - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. Assets not needed - Removed - Seller- XXX | Resolved-Client provided updated final 1003 document uploaded resolved - Due Diligence Vendor- XXX | xxxx |  |  | NV | Investment | Refinance | Cash Out - Other | 308321 | N/A | N/A |
| XXX | 2023011062 |  |  | Closed | XXX | XXX | Resolved | 1 - Information B A | Credit | Credit | Missing 4506-T form | Resolved-Bank statement program, no 4506-T required - Due Diligence Vendor- XXX <br>Ready for Review-Bank statement program, no 4506-T required - Seller- XXX <br>Open-Please provide 4506T or 4506C for borrower 2 - Due Diligence Vendor- XXX | Ready for Review-Bank statement program, no 4506-T required - Seller- XXX | Resolved-Bank statement program, no 4506-T required - Due Diligence Vendor- XXX |  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 338148 | N/A | N/A |
| XXX | 2023010613 |  |  | Closed | XXX | XXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Cashout reserves at 3.64 months instead of required 6 months - Due Diligence Vendor- XXX |  | Waived-Cashout reserves at 3.64 months instead of required 6 months - Due Diligence Vendor- XXX |  |  | DTI at XXX , residual Income of XXX borrower with same business for 16 years | FL | Primary Residence | Refinance | Cash Out - Other | 809654 | Originator Post-Close | Yes |
| XXX | 2023010613 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Made corrections based updated 1008 and corrected income calculation provided by the client - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. Pls see updated information uploaded and note that UW came up w/ Income of XXX .94; lower than what calculations you came up with. But ratios are still w/in guides. No further actions is req'd - Seller- XXX <br>Open-Qualifying income is XXX .44 at 90% business ownership as stated on the CPA letter . Please provide updated calculation or justification of how UW arrived at qualifying income of XXX .72 - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. Pls see updated information uploaded and note that UW came up w/ Income of XXX .94; lower than what calculations you came up with. But ratios are still w/in guides. No further actions is req'd - Seller- XXX | Resolved-Made corrections based updated 1008 and corrected income calculation provided by the client - Due Diligence Vendor- XXX | xxxx |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 335190 | N/A | N/A |
| XXX | 2023010609 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Finding Resolved. - Due Diligence Vendor- XXX <br>Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Please provide actual or updated final CD. - Due Diligence Vendor- XXX <br>Open-This loan failed the TILA right of rescission test.<br>Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor- XXX |  | Resolved-Finding Resolved. - Due Diligence Vendor- XXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 332798 | N/A | N/A |
| XXX | 2023010610 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing credit report | Resolved-Guidelines do not mention a requirement for credit report with foreign national files. - Due Diligence Vendor- XXX <br>Ready for Review-Pls note Credit reports are not req'd for Foreign Nationals - Seller- XXX <br>Open- - Due Diligence Vendor- XXX <br>Rescinded-Credit Report is Missing - Due Diligence Vendor- XXX | Ready for Review-Pls note Credit reports are not req'd for Foreign Nationals - Seller- XXX | Resolved-Guidelines do not mention a requirement for credit report with foreign national files. - Due Diligence Vendor- XXX <br>Rescinded-Credit Report is Missing - Due Diligence Vendor- XXX |  |  |  | FL | Investment | Purchase | NA | 332736 | N/A | N/A |
| XXX | 2023010607 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Credit | DSCR is less than 1.00 | Resolved-Resolved. No DSCR (DSCR < 0.85), Minimum FICO 700, Maximum LTV 75%. - Due Diligence Vendor- XXX <br>Ready for Review-Pls note: No DSCR (DSCR < 0.85) Minimum FICO 700 Maximum LTV 75% LTV. This loan is at 75%LTV and credit score over 700 - Seller- XXX <br>Open-DSCR = Rent (XXX / PITI (XXX 0) = 0.74. - Due Diligence Vendor- XXX | Ready for Review-Pls note: No DSCR (DSCR < 0.85) Minimum FICO 700 Maximum LTV 75% LTV. This loan is at 75%LTV and credit score over 700 - Seller- XXX | Resolved-Resolved. No DSCR (DSCR < 0.85), Minimum FICO 700, Maximum LTV 75%. - Due Diligence Vendor- XXX |  |  |  | CA | Investment | Refinance | Cash Out - Other | 402028 | N/A | N/A |
| XXX | 2023010608 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Title Coverage Amount of XXX is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor- XXX | xxxx |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 332767 | N/A | N/A |
| XXX | 2023011071 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC letter dated XXX isclosing that lender credit was removed. COC date added to LE dated XXX Report is elevated. Resolved. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Please provide COC to cure. - Due Diligence Vendor- XXX <br>Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXX does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX .00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Received COC letter dated XXX isclosing that lender credit was removed. COC date added to LE dated XXX Report is elevated. Resolved. - Due Diligence Vendor- XXX | xxxx |  |  | FL | Second Home | Refinance | No Cash Out - Borrower Initiated | 359609 | N/A | N/A |
| XXX | 2023011068 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Compliance test has passed per uploaded document, finding has been resolved and cleared. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. Loan Estimates have 400 in recording fees disclosed. We shouldnt have to cure since fees are lower at closing<br> - Seller- XXX <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXX) exceed the comparable charges (XXX by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). PCCD is XXX tside tolerance due to the recording fee increasing. - Due Diligence Vendor- XXX <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXX) exceed the comparable charges (XXX by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. Loan Estimates have 400 in recording fees disclosed. We shouldnt have to cure since fees are lower at closing<br> - Seller- XXX | Resolved-Compliance test has passed per uploaded document, finding has been resolved and cleared. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Purchase | NA | 362186 | N/A | N/A |
| XXX | 2023011068 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-<br> 1008: 5CR B2 income XXX .35 (15,000+3598.50+2030.85) = XXX .35 <br> Final 1003 B2: 180CL <br> Income: XXX (First St Films Inc DB) <br> Final 1003 B2 Continuation Sheet 191CL: XXX 0 SSI XXX 5 Pension & Health <br> Written VOE: See Findings<br> xxxx: See Findings <br> SSI Award Letter: See Findings <br>All income entered separately - Due Diligence Vendor- XXX <br> Ready for Review-Document Uploaded. William's income - SSI award letter in file supports XXX 0/mo, Trust Income - XXX onth distribution (xxxx XXX), XXX onth distribution (xxxxXX 5.94). Pension letter XXX 5/mo - Seller- XXX <br> Open-Please advise on William Borden income, documentation in file does not match what is listed on the final 1008. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. William's income - SSI award letter in file supports XXX 0/mo, Trust Income - XXX onth distribution (xxxxl XXX), XXX onth distribution (xxxxl XXX 5.94). Pension letter XXX 5/mo - Seller- XXX | Resolved-<br> 1008: 5CR B2 income XXX .35 xxxx) = XXX .35 <br> Final 1003 B2: 180CL <br> Income: XXX (First St Films Inc DB) <br> Final 1003 B2 Continuation Sheet 191CL: XXX 0 SSI XXX 5 Pension & Health <br> Written VOE: See Findings<br> xxxx: See Findings <br> SSI Award Letter: See Findings <br>All income entered separately - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Purchase | NA | 362037 | N/A | N/A |
| XXX | 2023011068 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA APR Test | Resolved-Resolved - Due Diligence Vendor- XXX <br>Open-This loan failed the TILA APR test.<br> (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) <br> The annual percentage rate (APR) is 5.598%. The disclosed APR of 5.442% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. - Due Diligence Vendor- XXX |  | Resolved-Resolved - Due Diligence Vendor- XXX |  |  |  | CA | Primary Residence | Purchase | NA | 361225 | N/A | N/A |
| XXX | 2023011068 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Resolved - Due Diligence Vendor- XXX <br>Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is XXX 847.92. The disclosed finance charge of XXX 474.46 is not considered accurate because it is understated by more than XXX Due Diligence Vendor- XXX |  | Resolved-Resolved - Due Diligence Vendor- XXX |  |  |  | CA | Primary Residence | Purchase | NA | 361226 | N/A | N/A |
| XXX | 2023011068 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Resolved - Due Diligence Vendor- XXX <br>Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor- XXX |  | Resolved-Resolved - Due Diligence Vendor- XXX |  |  |  | CA | Primary Residence | Purchase | NA | 361227 | N/A | N/A |
| XXX | 2023011067 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Cured by attached check of XXX - Due Diligence Vendor- XXX <br>Ready for Review-uploaded cure - Seller- XXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor- XXX | Ready for Review-uploaded cure - Seller- XXX | Resolved-Cured by attached check of XXX - Due Diligence Vendor- XXX |  |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 361539 | N/A | N/A |
| XXX | 2023011067 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C B | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Cured by attached check of XXX - Due Diligence Vendor- XXX <br>Ready for Review-uploaded cure - Seller- XXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor- XXX | Ready for Review-uploaded cure - Seller- XXX | Resolved-Cured by attached check of XXX - Due Diligence Vendor- XXX |  |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 361541 | N/A | N/A |
| XXX | 2023011067 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C B | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Cured by attached check of XXX - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). From Initial LE and Revised LE Credit Report Fee XXX rom Initial CD and Final CD Credit Report Fee XXX reased No COC Please Provide It - Due Diligence Vendor- XXX <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Cured by attached check of XXX - Due Diligence Vendor- XXX | xxxx |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 361542 | N/A | N/A |
| XXX | 2023011044 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-fees entered . finding resolved. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-The Final HUD-1 Settlement Statement is missing. The document must indicate Final and must have a certified True Copy stamp and be signed/dated by the borrower(s). - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-fees entered . finding resolved. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Refinance | Cash Out - Other | 357441 | N/A | N/A |
| XXX | 2023011044 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor- XXX <br>Resolved-FInal HUD showing delinquent taxes were paid, - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. DSCR, CD'S do not apply. See final HUD attached - Seller- XXX <br>Open-Property Title Issue Need final cd to verify that outstanding taxes were paid. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. DSCR, CD'S do not apply. See final HUD attached - Seller- XXX | Resolved-Property Title Issue Resolved - Due Diligence Vendor- XXX <br>Resolved-FInal HUD showing delinquent taxes were paid, - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Refinance | Cash Out - Other | 357963 | N/A | N/A |
| XXX | 2023011042 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-respa fees entered. finding is resolved. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Please provide Final Hud 1 - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-respa fees entered. finding is resolved. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Refinance | Cash Out - Other | 360427 | N/A | N/A |
| XXX | 2023011042 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved- - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. Our LOS does not populate ULI on initial or final 1003 - Seller- XXX <br>Open-ULI is missing on final 1003 and Initial 1003 - Due Diligence Vendor- XXX <br>Open-Initial and Final 1003 is Missing the ULI. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. Our LOS does not populate ULI on initial or final 1003 - Seller- XXX |  | xxxx |  |  | CA | Investment | Refinance | Cash Out - Other | 359797 | N/A | N/A |
| XXX | 2023011065 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing operating income statement form 216 | Resolved-Appraisal doc 216 uploaded reflects the monthly rent of XXX inding resolved. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-Please advise on the discrepancy between form 1007 which shows XXX r monthly rent and form 216 which shows market rent as XXX Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Appraisal doc 216 uploaded reflects the monthly rent of XXX inding resolved. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Refinance | Cash Out - Other | 364614 | N/A | N/A |
| XXX | 2023011065 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Loan program is DSCR - no lease agreement required / no income verification - Due Diligence Vendor- XXX <br>Ready for Review-Loan program is DSCR - no lease agreement required / no income verification - Seller- XXX <br>Open-Per form 216 the house is being currently rented, missing lease agreement, please provide showing rental income of XXX Due Diligence Vendor- XXX | Ready for Review-Loan program is DSCR - no lease agreement required / no income verification - Seller- XXX | Resolved-Loan program is DSCR - no lease agreement required / no income verification - Due Diligence Vendor- XXX |  |  |  | CA | Investment | Refinance | Cash Out - Other | 364615 | N/A | N/A |
| XXX | 2023011043 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved- - Due Diligence Vendor- XXX <br>Ready for Review-Non QM Products allow HPML with impounds for taxes and insurance - Seller- XXX <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. "Please reply to acknowledge that this loan is a high-priced transaction." - Due Diligence Vendor- XXX <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor- XXX | Ready for Review-Non QM Products allow HPML with impounds for taxes and insurance - Seller- XXX |  |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 363883 | N/A | N/A |
| XXX | 2023011045 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-1008 Document is Missing Need an updated 1008 to reflect HOA fees of XXX r appraisal)<br> - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Refinance | Cash Out - Other | 373313 | N/A | N/A |
| XXX | 2023011045 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Compliance | Missing page of HUD | Resolved-Fees entered. Finding is resolved. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-HUD-1 document is missing in file. Please provide - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Fees entered. Finding is resolved. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Refinance | Cash Out - Other | 372392 | N/A | N/A |
| XXX | 2023011020 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Application taken via telephone only requires LO signature not borrowers' - Due Diligence Vendor- XXX <br>Ready for Review-Application taken via telephone only requires LO signature not borrowers' - Seller- XXX <br>Open-Missing Borrowers signature with date. - Due Diligence Vendor- XXX | Ready for Review-Application taken via telephone only requires LO signature not borrowers' - Seller- XXX | Resolved-Application taken via telephone only requires LO signature not borrowers' - Due Diligence Vendor- XXX |  |  |  | CA | Investment | Refinance | Cash Out - Other | 378532 | N/A | N/A |
| XXX | 2023011020 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved- - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-please provide stamped certified final HUD-1/ Settlement statement - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX |  | xxxx |  |  | CA | Investment | Refinance | Cash Out - Other | 378824 | N/A | N/A |
| XXX | 2023011046 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-The final 1003 reflects that Toyota is being paid off at closing. However I am showing that it is still active and when included in the debt back end DTI is in line Please provide updated final 1003 for section 2C not showing Toyota as being paid off. Thanks - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-The Final 1003 is Present - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 419606 | N/A | N/A |
| XXX | 2023011046 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Non QM products allow HPML with impounds for taxes and insurance - Due Diligence Vendor- XXX <br>Ready for Review-Non QM products allow HPML with impounds for taxes and insurance - Seller- XXX <br>Open- Please reply back to acknowledge that this loan is a high priced transaction. Thank you - Due Diligence Vendor- XXX <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor- XXX | Ready for Review-Non QM products allow HPML with impounds for taxes and insurance - Seller- XXX | Resolved-Non QM products allow HPML with impounds for taxes and insurance - Due Diligence Vendor- XXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 382131 | N/A | N/A |
| XXX | 2023011046 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Made corrections. DTI was off due to fact final 1003 shows Toyota as being paid off @ closing. Reviewed hud and this was not paid off at closing. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-DTI on 1008 is 36.959%, calculated DTI is 36.96 (rounding), Exception Form on page 2 indicates DTI Exception to 49.86. - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Made corrections. DTI was off due to fact final 1003 shows Toyota as being paid off @ closing. Reviewed hud and this was not paid off at closing. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 387061 | N/A | N/A |
| XXX | 2023011046 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Data | Qualifying LTV % does not match 1008 Page LTV %. | Resolved-The Diligence Final Look Page Qualifying LTV matches the 1008 Page Qualifying LTV. - Due Diligence Vendor- XXX <br>Resolved-Updated 1008 page. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-The Diligence Final Look Page Qualifying LTV is XXX but the 1008 Page Qualifying LTV is XXX . Please confirm the correct qualifying property value flag was chosen. As per 1008 appraised value is XXX .64 and as per appraisal appraised value is XXX - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-The Diligence Final Look Page Qualifying LTV matches the 1008 Page Qualifying LTV. - Due Diligence Vendor- XXX <br>Resolved-Updated 1008 page. - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 382001 | N/A | N/A |
| XXX | 2023011047 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Initial 1003 Lender Loan Information page received. Finding resolved. - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-please provide lender loan information page for final 1003 to ensure accuracy - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Initial 1003 Lender Loan Information page received. Finding resolved. - Due Diligence Vendor- XXX | xxxx |  |  | CO | Investment | Purchase | NA | 402052 | N/A | N/A |
| XXX | 2023011047 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Client provided explanation =: 'Hazard insurance needs to be in effect at the time of disbursement - Due Diligence Vendor- XXX <br> Ready for Review-'Hazard insurance needs to be in effect at the time of disbursement - Seller- XXX <br> Open-Hazard Insurance Effective Date of 0xxxx2 is after the Note Date of 0xxxx. No Other Previous Hazard Insurance is present in the file. Please Provide Hazard insurance Covering Note Date XXX . - Due Diligence Vendor- XXX | Ready for Review-'Hazard insurance needs to be in effect at the time of disbursement - Seller- XXX | Resolved-Client provided explanation =: 'Hazard insurance needs to be in effect at the time of disbursement - Due Diligence Vendor- XXX |  |  |  | CO | Investment | Purchase | NA | 401142 | N/A | N/A |
| XXX | 2023010620 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-The Final 1003 is Missing - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-The Final 1003 is Present - Due Diligence Vendor- XXX | xxxx |  |  | FL | Primary Residence | Purchase | NA | 433687 | N/A | N/A |
| XXX | 2023010619 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. Per 1003 Bwr is a USA Citizen, but I have uploaded a copy of Photo ID - Seller- XXX <br>Open-Borrower 1 Citizenship Documentation Is Missing Borrower's Id proof is missing in file - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. Per 1003 Bwr is a USA Citizen, but I have uploaded a copy of Photo ID - Seller- XXX | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor- XXX | xxxx |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 433689 | N/A | N/A |
| XXX | 2023011021 |  |  | Closed | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX <br>Ready for Review-Document Uploaded. - Seller- XXX <br>Open-HUD-1 Document is missing. Please provide stamped and signed copy of the final Hud-1 - Due Diligence Vendor- XXX | Ready for Review-Document Uploaded. - Seller- XXX | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor- XXX | xxxx |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 462257 | N/A | N/A |
| XXX | 2023011021 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor- XXX <br>Open-Final HUD-1 Closing Date of 05-04-2022 is not the same date as the Notary Acknowledgement Date of 05-05-2022. - Due Diligence Vendor- XXX |  | Resolved-Final HUD-1 Closing Date matches the Notary Acknowledgement Date or Not Applicable. - Due Diligence Vendor- XXX |  |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 467144 | N/A | N/A |
| XXX | 2023010621 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C 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- XXX <br>Resolved-Document Uploaded. AVM Provided - Due Diligence Vendor- XXX <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- XXX |  | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor- XXX <br>Resolved-Document Uploaded. AVM Provided - Due Diligence Vendor- XXX | xxxx |  |  | ID | Investment | Purchase | NA | 572491 | N/A | N/A |
| XXX | 2023010622 |  |  | Closed | XXX | XXX | Resolved | 1 - Information C 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- XXX <br>Resolved-Document Uploaded. AVM Uploaded - Due Diligence Vendor- XXX <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 As Per guidelines We require Other secondary Valuation, If C.U Score is More than 2.5, Other valuation (AVM, CDA) is Not Available in File. - Due Diligence Vendor- XXX |  | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor- XXX <br>Resolved-Document Uploaded. AVM Uploaded - Due Diligence Vendor- XXX | xxxx |  |  | FL | Investment | Purchase | NA | 572502 | N/A | N/A |

---

## Exhibit 99.29

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.29** 

---

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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** |
| 2023011031 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011024 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011025 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011023 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011026 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011032 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011027 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011029 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011019 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011028 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011030 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011033 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011018 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2023011034 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011035 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011038 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011039 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011036 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011037 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2023011051 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011052 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011054 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011060 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011061 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011057 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011049 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011048 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2023011056 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011053 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011055 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010616 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 2023010617 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023010614 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 2023010615 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2023010618 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2023011050 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2023011058 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011059 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011062 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010612 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2023010613 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2023010609 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2023010610 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2023010611 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2023010607 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2023010608 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2023011040 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011071 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011068 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011067 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011072 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2023011044 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011042 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2023011065 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011066 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011063 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011064 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011041 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2023011043 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2023011069 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2023011070 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011045 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2023011020 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011046 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023011073 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011047 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010620 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2023010619 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2023011022 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023011021 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010621 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2023010622 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |

---

## Exhibit 99.30

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.30**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2023011031 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | underwrite is manual |
| 2023011031 |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX |  |
| 2023011024 |  | XXXX | Interest Only Flag | notePage | XXXX | XXXX | Accepted |
| 2023011024 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | DCSR is 1.97 |
| 2023011024 |  | XXXX | Borrower 1 Citizen | the1003Page | XXXX | XXXX | US citizen per 1003 |
| 2023011024 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | Tape information incorrect |
| 2023011024 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | Accepted |
| 2023011025 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | Not a DSCR |
| 2023011025 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | Manual U/W |
| 2023011025 |  | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | High rise condo |
| 2023011025 |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX |  |
| 2023011023 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | AUS recommendation is Manual Underwriting. |
| 2023011023 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | within 2% |
| 2023011023 |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX |  |
| 2023011026 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | Underwriting is manual |
| 2023011026 |  | XXXX | Interest Only Flag | notePage | XXXX | XXXX | Values match |
| 2023011026 |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX |  |
| 2023011032 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | underwriting is manual |
| 2023011032 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Difference is within the 2% variance |
| 2023011027 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | underwriting is manual |
| 2023011027 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Within 2 percent |
| 2023011027 |  | XXXX | Interest Only Flag | notePage | XXXX | XXXX | values match |
| 2023011029 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | Manual Underwrite |
| 2023011029 |  | XXXX | Escrow Flag | postConsummationCdDetailPage | XXXX | XXXX |  |
| 2023011029 |  | XXXX | Interest Only Flag | notePage | XXXX | XXXX | Values match |
| 2023011029 |  | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | Initial P&I is $3,425.63 |
| 2023011019 |  | XXXX | Interest Only Flag | notePage | XXXX | XXXX | formatting issue |
| 2023011019 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | Lender UW approval advised manual underwrite |
| 2023011028 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | Formatting Error |
| 2023011028 |  | XXXX | Interest Only Flag | notePage | XXXX | XXXX | Formatting Error |
| 2023011028 |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX |  |
| 2023011030 |  | XXXX | Interest Only Flag | notePage | XXXX | XXXX | values match |
| 2023011030 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | within 2% |
| 2023011030 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | underwrite is manual |
| 2023011033 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | Showing 1.32. Requested copy of DSCR calculation sheet. |
| 2023011033 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | Is Manual Underwriting. 1008 on file |
| 2023011033 |  | XXXX | Interest Only Flag | notePage | XXXX | XXXX | Format issue |
| 2023011018 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | within 1% |
| 2023011018 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | update as per approval document |
| 2023011034 |  | XXXX | Interest Only Flag | notePage | XXXX | XXXX | Values match |
| 2023011034 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | Manual Underwrite required |
| 2023011034 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | Not a DSCR loan |
| 2023011034 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Within 2% tolerance. |
| 2023011034 |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX |  |
| 2023011035 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Within 2% variance |
| 2023011035 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 2023011038 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | Manual U/W |
| 2023011039 |  | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | (DSCR30) 30 YR FIXED CASH FLOW |
| 2023011039 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | Manual Underwriting loan |
| 2023011036 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Within 2% |
| 2023011036 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | This Is Manual Underwriter |
| 2023011036 |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX |  |
| 2023011037 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | 1) Updated as per 1008 document page number 1 cr |
| 2023011037 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | 1) DTI +/- 2% is allowable as per Guidelines |
| 2023011051 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Per note on page 35cl loan amount XXXX |
| 2023011051 |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | XXXX will total LTV at XXXX% however the sale price on appraisal and 1008 show @XXXX |
| 2023011051 |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | Per Approval on page 1cr This loan is a DSCR. |
| 2023011052 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Loan amount $XXXX |
| 2023011052 |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | Loan is DSCR |
| 2023011054 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Loan AmountXXXX |
| 2023011054 |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | DSCR |
| 2023011060 |  | XXXX | Housing Debt/Income Ratio | the1008Page | XXXX | XXXX | -/+ 2% Variance Is Allowed As Per Guideline. |
| 2023011060 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | -/+ 2% Variance Is Allowed As Per Guideline. |
| 2023011060 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | As Per Note Document This Is Correct Loan Amount $XXXX |
| 2023011061 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | As Per Note Document Updated |
| 2023011061 |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | As Per approval Updated |
| 2023011061 |  | XXXX | Property Address | notePage | XXXX | XXXX | As Per Note Updated |
| 2023011057 |  | XXXX | Housing Debt/Income Ratio | the1008Page | XXXX | XXXX | Within 2 percent |
| 2023011057 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Verified with the Note that the loan amount is correct. |
| 2023011049 |  | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Values match |
| 2023011049 |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Values match |
| 2023011049 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Verified loan amount is correct at 344,000 with the Note. |
| 2023011048 |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | Approval certificate confirms loan type to be DSCR. |
| 2023011048 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Note confirms loan amount of $XXXX |
| 2023011048 |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX |  |
| 2023011056 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | LA per note $XXXX |
| 2023011056 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | DTI failure due to income and tax issue |
| 2023011053 |  | XXXX | Property Address | notePage | XXXX | XXXX | Value Matches tape is in capital letters. |
| 2023011053 |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | Verified loan is a DSCR on Approval page 1cr |
| 2023011053 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Loan amount confirmed on Note page 26cl |
| 2023011055 |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | As per the approval this file is DSCR and updated |
| 2023011055 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | As per the note the loan mount is $XXXX and updated |
| 2023010616 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | As per credit report dated XXXX on page 201 683 is the median score |
| 2023010616 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | The HOI premium is different from that on file page 322, 241 |
| 2023010616 |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Within the 2% DTI tolerance threshold |
| 2023010617 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX |  |
| 2023010617 |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Difference in Housing Debt income ratio is due to above note interest rate 0.75% mentioned in 1008 which causing change in First mortgage P&I from $XXXX to $XXXX |
| 2023010617 |  | XXXX | Application Date | the1003Page | XXXX | XXXX |  |
| 2023010617 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX |  |
| 2023010614 |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Initial 1003 has the date of XXXX |
| 2023010614 |  | XXXX | Property Zip Code | notePage | XXXX | XXXX |  |
| 2023010615 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX matches the FICO reflected on the 1008 (p 634) and the mid-range FICO reflected on the Merged Credit Report (p 252). TransUnion XXXX, Equifax XXXX, and Experian (XXXX). |
| 2023010618 |  | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX County is noted on Mortgage document. |
| 2023011050 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Updated as per the Note Document |
| 2023011050 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | Updated as per the Approval Certificate |
| 2023011058 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | As Per Note Document this is correct loan amount $XXXX |
| 2023011058 |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | As Per Approval Document this is DSCR loan. |
| 2023011059 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Updated As Per Note Document Loan Amount Is $XXXX |
| 2023011059 |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | This Is DSCR Loan Updated As Per 1008 Document |
| 2023011062 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | As Per Note Document True Data is Correct |
| 2023011062 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | -/+ 2% Variance Is Allowed As Per Guideline. |
| 2023010613 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | Per credit report |
| 2023010609 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | As per credit report |
| 2023010608 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | Per credit report |
| 2023011040 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | Manual Underwriting |
| 2023011071 |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Value Matches |
| 2023011071 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | updated as per note doc. |
| 2023011068 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX |  |
| 2023011068 |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Information taken from purchase contract |
| 2023011068 |  | XXXX | Housing Debt/Income Ratio | the1008Page | XXXX | XXXX | the calculated income for b2 two combined IRA was $XXXX the UW used the more conservative amnt of $XXXX |
| 2023011068 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | per note |
| 2023011067 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | All income Liabilities Updated True Data is XXXX Tape data is XXXX.706. 2% variance is Acceptable as per the Guidelines |
| 2023011067 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | verified entry is correct |
| 2023011072 |  | XXXX | Loan Type | the1008Page | XXXX | XXXX | This is DSCR loan updated as per approval certificate |
| 2023011072 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Loan amount $ XXXX updates as per Note document |
| 2023011072 |  | XXXX | Prepayment Penalty Flag | notePage | XXXX | XXXX | Prepayment Penalty Flag is True |
| 2023011044 |  | XXXX | Interest Only Flag | notePage | XXXX | XXXX | True/Yes |
| 2023011044 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | Confirmed per the 1008 AUS recommendation is Manual Underwriting |
| 2023011042 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | This is Manual Underwriting |
| 2023011065 |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | Updated as per Approval Document |
| 2023011065 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Updated as per Note 25Cl |
| 2023011066 |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | Loan Program updated as per Approval Certificate |
| 2023011066 |  | XXXX | Prepayment Penalty Flag | notePage | XXXX | XXXX | Prepayment Penalty flag confirmed with Note Document |
| 2023011066 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Loan Amount updated as per Note document |
| 2023011066 |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | Loan Type updated as per Approval Certificate |
| 2023011063 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Verified as per Note |
| 2023011063 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Verified as per updated supplementary Credit Report |
| 2023011064 |  | XXXX | Prepayment Penalty Flag | notePage | XXXX | XXXX | Prepayment Penalty Flag is True. |
| 2023011064 |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | This is DSCR loan updated as per approval certificate. |
| 2023011064 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Loan amount $XXXX,000 updated as per note document. |
| 2023011041 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | This is manually underwritten loan. Hence, Updated as per the 1008 document |
| 2023011043 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | This is manual underwriting loans |
| 2023011043 |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX |  |
| 2023011069 |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | 2% of Variation acceptable as per Lender Guidelines |
| 2023011069 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Loan Amount updated as per Note document |
| 2023011069 |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | Loan Program updated as per Approval Certificate |
| 2023011070 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Verified entry is correct per Note |
| 2023011070 |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | Verified entry is correct per Approval Document |
| 2023011045 |  | XXXX | Interest Only Flag | notePage | XXXX | XXXX | Interest Only Flag confirmed with Note Document |
| 2023011045 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | This is Manual Underwriting |
| 2023011045 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2023011020 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | No correction needed |
| 2023011020 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | Finding |
| 2023011046 |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | $XXXX,000 per Appraisal |
| 2023011046 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | This is manual underwriting |
| 2023011046 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX per credit report. |
| 2023011073 |  | XXXX | Loan Type | the1003Page | XXXX | XXXX | Updated as per the Approval Certificate |
| 2023011073 |  | XXXX | Loan Amount/Draw Amount | notePage | XXXX | XXXX | Updated as per the Note Document |
| 2023011073 |  | XXXX | Prepayment Penalty Flag | notePage | XXXX | XXXX | Value Matches |
| 2023011047 |  | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 2023011022 |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | Updated As Per Credit Report and lender approval |
| 2023011022 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | manual U/W per 1008. |
| 2023011022 |  | XXXX | Originator Doc Type | employmentIncomePage | XXXX | XXXX |  |
| 2023011021 |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | This is NQM Loan AUS Recommendation will be Manual Underwriting |

---

## Exhibit 99.31

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.31**

![](ex9931001.jpg)

**EXECUTIVE NARRATIVE:**

This Executive Summary summarizes the independent third-party due diligence review (the "Review") conducted on 61 residential mortgage loans by Recovco Mortgage Management, LLC ("Recovco") on behalf of its Client, Angel Oak Real Estate Investment Trust III ("Client").

Recovco's reports, which are to be made available to the recipient by the Client, include the loan-level results of Recovco's independent, third-party due diligence review conducted for the Client.

Recovco performed certain due diligence services described below on residential mortgages. The review was conducted on behalf of Client from July 2021 to January 2022 via file images provided by the Client for the review.

The table below identifies the origination channel for the loans in the subject review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; <br> **Origination Channel** | &nbsp;&nbsp; <br> **Loan Count** | &nbsp;&nbsp; <br> **Percentage Of Reviewed Population (by count)** |
| &nbsp;&nbsp; <br> **Retail** | &nbsp;&nbsp; <br> 1 | &nbsp;&nbsp; <br> .01% |
| &nbsp;&nbsp; <br> **Broker** | &nbsp;&nbsp; <br> 57 | &nbsp;&nbsp; <br> .94% |
| &nbsp;&nbsp; <br> **Correspondent Bulk**  | &nbsp;&nbsp; <br> 3 | &nbsp;&nbsp; <br> .05% |
| &nbsp;&nbsp; <br> **Total** | &nbsp;&nbsp; <br> **61** | &nbsp;&nbsp; <br> 100% |

---

**DESCRIPTION OF SERVICES:**

Recovco was instructed to perform a credit, regulatory compliance, data validation, and valuation review (the "Review Population") in accordance with national recognized statistical rating organization, Fitch Ratings Inc. ("NRSRO(s)") review standards in place as of the review date.

**LOAN REVIEW POPULATION:**

Recovco does not know the size of the overall securitization population and other third-party review firms that may have been engaged.

The table below summarizes the reviews conducted by Recovco:

Page **2** of **19**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;61 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;61 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;61 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;61 | &nbsp;&nbsp;100% |

---

**DATA INTEGRITY:**

Where available, Recovco compared the data fields below on the bid tape provided by the Client to the data found in the actual file as captured by Recovco. This information may not have been available for all mortgage loans. This comparison included the following data fields:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1<sup>st</sup> Rate Chg Date | &nbsp;&nbsp;Rate Index | &nbsp;&nbsp;Rounding Code |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;Sale Price | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Lookback Period |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;LTV | &nbsp;&nbsp;MI Company | &nbsp;&nbsp;Neg Am Flag | &nbsp;&nbsp;Initial Rate Cap |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;CLTV | &nbsp;&nbsp;MI Coverage | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;Periodic Rate Cap |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;Life Rate Cap |
| &nbsp;&nbsp;State | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Life Rate Floor |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp; DTI | &nbsp;&nbsp;Next Rate Chg Date | &nbsp;&nbsp;Reset Frequency |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Self Employed Flag | &nbsp;&nbsp;First Pmt Chg Date |  |
| &nbsp;&nbsp;Orig Credit Score | &nbsp;&nbsp;Interest Only Flag |  | &nbsp;&nbsp;Next Pmt Chg Date |  |

---

**CREDIT UNDERWRITING:**

Recovco performed a review of the loan package to determine whether such package meets the credit and property underwriting criteria of applicable guidelines, in effect at the time of such loan's origination and that adequate support for the underwriting decision is contained in the file. Recovco reported to Client any exceptions utilizing Client accessed Recovco systems or other mutually agreed upon written report.

To complete these activities, Recovco completed a review utilizing the following review scope:

Recovco will review 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 Recovco and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file will also be performed.

Page **3** of **19**

Credit Application: For the Credit Application, Recovco will verify 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: Recovco's review will include 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, Recovco: will (i) capture the monthly consumer debt payments for use in relevant calculations, (ii) note and research the Real Estate Owned and fraud alerts, and (iii) gather 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: Recovco will determine 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 will be 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, (vi) IRS tax transcripts, and for certain programs (vii) bank statements.

Asset Review: Recovco will assess 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, Recovco will complete 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, (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: Recovco will review the insurance present on the mortgage loan. During this review, Recovco will (i) verify that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirm that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirm that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) review the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (v) confirm that the flood certification was for the correct borrower, property, lender and mortgage loan number, and (vi) complete 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, Recovco will verify that DU findings included an approved/eligible decision as required per guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and not AUS findings.

Occupancy Review: Recovco will confirm 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: Recovco will confirm 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 to be examined include (i) DTI of the borrower, (ii) the LTV/CLTV/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.

Page **4** of **19**

Fraud Review: Recovco will review 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, Recovco will condition the mortgage loan for the missing fraud report product.

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

Additional Review of Mortgage Loan File: Recovco will review the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in this portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, and (ii) the presence of loan modification documents, and (iii) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

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

**REGULATORY COMPLIANCE REVIEW:**

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

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

Page **5** of **19**

**Regulatory Compliance Analysis:** TPR will test each Mortgage Loan to verify that it 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 Mortgage Loan meets (i) the Truth in Lending Act ("TILA"), as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024; (iii) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations (as applicable); and (iv) the disclosure requirements and prohibitions of the applicable state and local laws and ordinances that were enacted to combat predatory lending.

**1.**  **<u>The following section is applicable to Mortgage Loans with an application date on or after October 3, 2015</u>:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Documentation. Review of the following
documents for 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 and Re-disclosed 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 (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;viii. Rate Lock date information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High Cost/Higher-Priced Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of federal, state & local high cost, higher-priced and/or anti-predatory laws and regulations,
including those set forth on <u>Schedule 1</u>. 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 must be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&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. Missing initial application / rate lock confirmation – 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 6-month window prior to closing
date for missing application date; and (2) all dates between application and closing for missing rate set date. Other evidence
in 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 on a case by case basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. TILA/Regulation Z. Review to determine
compliance with the requirements of TILA/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. 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,
recalculation of disclosed APR and a review to determine disclosure differences were within the allowed tolerances and disclosures
were provided within the required timeframe;

&nbsp;&nbsp;&nbsp;&nbsp;&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. Loan Estimate ("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;&nbsp;&nbsp;&nbsp;&nbsp;A. Confirm the presence of the current LE in effect at the time of origination;

Page **6** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify LE was provided to the borrower(s) within three (3) business days of the date the lender
(or broker if applicable) received an "application" and at least 7 business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify LE was provided to the borrower(s) within three (3) business days of: (a) the date the rate
was locked; and (b) the date an expired rate lock was re-locked (if applicable). Evidence of rate lock (e.g., rate lock agreement,
screen shot) is necessary to confirm rate lock date. A revised LE is not required to be disclosed if the rate has been extended
with no other changes to the previously disclosed interest-rate dependent charges or terms provided the borrower has not entered
into a new rate lock agreement with the 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify the final LE was provided at least 4 business days prior to consummation and that no LE
was provided to the borrower after a CD was provided;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify all sections of the LE were accurately completed and that information was reflected in the
appropriate locations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Determine whether a valid and properly documented reason (changed circumstance affecting settlement
charges, changed circumstance affecting eligibility, revision requested by the consumer, interest rate has been locked, LE has
expired, delayed settlement date on construction loan) accompanies a revised LE containing any increase in fee(s) (subject to the
good faith provisions in 12 CFR § 1026(e)(3)), and verify if an LE was provided within 3 business days of the lender's
(or broker's) receipt of information sufficient to establish that a reason for a revision applies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Any increase in (1) a fee that is subject to zero tolerance or (2) fees that cause the aggregate
amount of charges as defined in 12 CFR § 1026.19(e)(3)(ii) to increase by more than 10% that are disclosed on a LE but not
accompanied by one of the six specified reasons should be disregarded for purposes of tolerance testing, including any reset of
tolerances. For that fee, the amount on the previously properly-disclosed LE should be used for testing of the zero and 10%
tolerance categories. All other fees that have changed and are disclosed in compliance with TILA should be included in the tolerance
testing, including changes to interest-rate related charges that change while the interest rate is floating and/or change upon
re-disclosure within three (3) business days of rate lock or re-lock.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Increases in fees as defined in 12 CFR § 1026.(e)(3)(iii) are permissible provided there is
no evidence that the lender (or broker, if applicable) did not disclose the increase based on the best information reasonably available
at the time (e.g. failure to disclose a homeowner's insurance premium when homeowner's insurance is required; prepaid
interest amounts that are not consistent with the date the loan will close or with changes to loan terms).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Documentation that simply restates the change (e.g. fee increased) with no further explanation
is not sufficient.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. A difference between the disclosed Total Interest Percentage (TIP) and the calculated TIP (either
under- or over-disclosed) should be conditioned. If the difference in calculation is due to the rounding of the loan payment to
whole cents as permitted by 12 CFR § 1026.17(c)(3), this should be noted in the condition.

&nbsp;&nbsp;&nbsp;&nbsp;&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. Closing Disclosure ("CD"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Confirm the current applicable CD was provided;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify all sections of the CD were accurately completed and that information was reflected in the
appropriate locations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify that the borrower, or each consumer with the right to rescind the transaction (if applicable),
was provided with a copy of the CD within 3 business days of consummation;

Page **7** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. If the initial CD has been provided in lieu of a revised LE because there were fewer than four
business days between the time the revised LE was required to be delivered and consummation, the CD may be used to reset fee tolerances
provided the loan did in fact close within that timeframe and valid changed circumstances are documented to support fee increases
as discussed below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Any increase in (1) a fee that is subject to zero tolerance or (2) fees that cause the aggregate
amount of charges as defined in 12 CFR § 1026.19(e)(3)(ii) to increase by more than 10% is limited to one of the six reasons
specified in the rule (changed circumstance affecting settlement charges, changed circumstance affecting eligibility, revision
requested by the consumer, interest rate has been locked, LE has expired, delayed settlement date on construction loan).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Any of these increased fees that are disclosed on the CD but not accompanied by one of the six
specified reasons should be disregarded for purposes of tolerance testing, including any reset of tolerances. For that fee,
the amount on the previously properly-disclosed LE should be used for testing of the zero and 10% tolerance categories. All other
fees that have changed and are disclosed in compliance with TILA should be included in the tolerance testing, including changes
to interest-rate related charges that change while the interest rate is floating and/or change upon re-disclosure within three
(3) business days of rate lock or re-lock).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Documentation that simply restates the change (e.g. fee increased, etc.) with no further explanation
is not sufficient.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Increases in fees as defined in 12 CFR § 1026.(e)(3)(iii) that are disclosed on the initial
CD or any re-disclosed CD are permissible provided there is no evidence that the lender did not disclose the increase based on
the best information reasonably available at the time (e.g. failure to disclose a homeowner's insurance premium when homeowner's
insurance is required; prepaid interest amounts that are not consistent with the date the loan will close or with changes to loan
terms).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Any fees that 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 § 1026.19I(3)(i) – (iii).
For example, if a $500 appraisal fee (for which the borrower could not shop) that was disclosed on the LE as paid in full or in
part by the seller 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. Fees paid by the lender should
be reviewed for compliance with 12 CFR § 1026.19I(3)(i) (i.e.; an increased lender credit to cover an increased fee does not
constitute a zero tolerance 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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. A difference between the disclosed Total Interest Percentage (TIP) and the calculated TIP (either
under- or over-disclosed) should be conditioned. If the difference in calculation is due to the rounding of the loan payment to
whole cents as permitted by 12 CFR § 1026.17I(3), this should be noted in the condition.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. For loans originated prior to October 10, 2017, any difference between the disclosed Total of Payments
(TOP) and the calculated TOP (either under- or over-disclosed) should be conditioned. Effective for loans originated on/after October
10, 2017, the applicable tolerances in 12 CFR § 1026.23(g)(1)(ii) and § 1026.23(h)(2)(ii) (i.e. $35 tolerance for under-

Page **8** of **19**

disclosure of TOP for loans subject to rescission) apply. TPR will note if a tolerance has been exceeded and, if so, the amount necessary to cure the tolerance violation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Review to confirm if any changes occurred before consummation that required a new 3-business day
waiting period and, if so, if revised disclosures were provided and the required waiting period was met;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. If the APR decreases by greater than 1/8 of one percentage point, (or ¼ of one percentage
point for an irregular transaction), confirm the disclosed APR resulted from the disclosed finance charge (i.e. the finance charge
also decreased).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;J. Review any CDs provided to the borrower post-consummation to confirm revised disclosures and refunds
were provided as required and within the required timeframes.

&nbsp;&nbsp;&nbsp;&nbsp;&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. Written Estimate of Terms or Costs – confirm that any term/cost estimate provided to the
borrower meets the content requirements of TILA and is not provided after the borrower has been, or is required to be, provided
the 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. A Written Estimate of Terms or Costs may be provided within the 3-business day period after the
lender's receipt of a loan application as long as the Written Estimate is provided before the borrower receives the 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;v. Written List of Settlement Service Providers:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. If the borrower was permitted to shop for any settlement services as evidenced by the LE, confirm
the Written List of Settlement Service Providers is in the Mortgage Loan File and meets the content requirements of TILA, including
providing the name of at least one provider for each service for which the borrower was permitted to shop; 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;1. If the borrower was permitted to shop for a settlement service as evidenced on the LE and the List
of Settlement Service Providers was not provided or did not list a provider for that service, the cost of the service must be included
in the ten percent tolerance category unless the settlement service provider was the creditor or an affiliate of the creditor,
in which case the cost of the service is considered an increase subject to the zero tolerance category. TPR will note if the tolerance
has been exceeded and, if so, the amount necessary to cure the tolerance violation. TPR will also note a violation for failing
to provide at least one settlement service provider for a service for which the borrower was entitled to shop.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify the List of Settlement Service Providers was provided to the borrower(s) at the time of
the LE disclosing the applicable service(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Special Information Booklet ("Your Home Loan Toolkit"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Confirm the presence of the Special Information Booklet ("Your Home Loan Toolkit")
in the Mortgage Loan File or that the Mortgage Loan File contains sufficient evidence that the disclosure was provided to the borrower
(*e.g.,* cover letter reflecting the Booklet as an enclosure) on purchase and construction (construction to permanent loans)
Mortgage Loans; 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;B. Confirm the Special Information Booklet ("Your Home Loan Toolkit") was provided within
three (3) business days of the date the lender (or broker if applicable) received an "application."

Page **9** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;&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. A review of the Notice of Right to Cancel, including a verification of the transaction date and
expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement
date and determining if a full three (3) day rescission period was adequately provided to the borrower(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. 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. TPR 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Where the loan file contains evidence of a loan modification (other than a modification pursuant
to the Home Affordable Modification Program (HAMP), review file to determine if the loan was a true modification that would not
require new TILA disclosures. If not a true modification, must be treated as a refinancing for purposes of new TILA disclosures. 
Review notes / mortgages / mod agreements & determine if existing note / mortgage have been satisfied and replaced. If
so, qualifies as refinancing unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Reduction in APR with corresponding change in payment schedule (shortening of maturity, reduction
in payment amount or number of payments). However, if maturity is lengthened or if payment amount or # of payments is increased
beyond that remaining on existing transaction, new disclosures are required; OR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Change in payment schedule or collateral requirements as a result of default/ delinquency. However,
if rate is increased or additional credit is advanced beyond amounts already accrued plus insurance premiums, or a fixed rate loan
is being modified into an adjustable rate loan, new disclosures required.

&nbsp;&nbsp;&nbsp;&nbsp;&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. A review to ensure the Mortgage Loan meets the applicable Ability-to-Repay ("ATR")
requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43.
For purposes of such review, where loans were originated by a broker, consider the loan application date to be the date the loan
file was received by the original creditor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. RESPA/Regulation X: Review to ensure compliance
with RESPA/Regulation X documentation and timing requirements in effect at origination of the Mortgage Loan for RESPA disclosures
(Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership
Counselling Organizations).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Equal Credit Opportunity Act/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;f. Fair Credit Reporting Act/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;g. Mandatory Arbitration – TPR will
report mandatory arbitration provisions present in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Single Premium Credit Insurance – TPR will report single premium credit insurance policies
or debt cancellation agreements present in the loan file.

Page **10** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 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.

**2.**  **<u>The following section is applicable to Mortgage Loans with an application date prior to October 3, 2015</u>:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Documentation. Review of the following documents for 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. Final HUD-1 Settlement Statement ("HUD-1"). If the final HUD-1 is missing, TPR will
review for compliance using the estimated HUD-1 if available in the file. TPR will report if the final HUD-1 is missing and note
in the condition that (a) testing was performed using an estimated HUD-1 or (b) there was no estimated or final HUD-1 in the file
available for 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;vi. Initial, Final and Re-disclosed Truth in Lending Disclosures ("TIL")

&nbsp;&nbsp;&nbsp;&nbsp;&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 (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;viii. Initial and Re-disclosed Good Faith Estimates ("GFE")

&nbsp;&nbsp;&nbsp;&nbsp;&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. Rate Lock date information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High Cost/Higher-Priced Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of federal, state & local high cost, higher-priced and/or anti-predatory laws and regulations,
including those set forth on <u>Schedule 1</u>. 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 must be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&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. Missing initial application / rate lock confirmation – 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 6-month window prior to closing
date for missing application date; and (2) all dates between application and closing for missing rate set date. Other evidence
in 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 on a case by case basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. TILA/Regulation Z. Review to determine compliance with the applicable requirements of TILA/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. A review and comparison of the initial and final TIL, and any re-disclosed TIL(s), with a report
outlining any TILA violations, including a re-calculation of disclosed finance charge, proper execution by all required parties,
principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR,
and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required
timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. A review of the Notice of Right to Cancel, including a verification of the transaction date and
expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties verifying the disbursement
date and determining if a full three (3) day rescission period was adequately provided to the borrower(s);

Page **11** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;&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. 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. TPR 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Where the loan file contains evidence of a loan modification (other than a modification pursuant
to the Home Affordable Modification Program (HAMP), review file to determine if the loan was a true modification that would not
require new TILA disclosures. If not a true modification, must be treated as a refinancing for purposes of new TILA disclosures. 
Review notes / mortgages / mod agreements & determine if existing note / mortgage have been satisfied and replaced. If
so, qualifies as refinancing unless:

&nbsp;&nbsp;&nbsp;&nbsp;&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. Reduction in APR with corresponding change in payment schedule (shortening of maturity, reduction
in payment amount or number of payments). However, if maturity is lengthened or if payment amount or # of payments is increased
beyond that remaining on existing transaction, new disclosures are required; OR

&nbsp;&nbsp;&nbsp;&nbsp;&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. Change in payment schedule or collateral requirements as a result of default/ delinquency. However,
if rate is increased or additional credit is advanced beyond amounts already accrued plus insurance premiums, or a fixed rate loan
is being modified into an adjustable rate loan, new disclosures required.

&nbsp;&nbsp;&nbsp;&nbsp;&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. For Mortgage Loans with an application date on or after January 10, 2014, a review to ensure the
Mortgage Loan meets the applicable Ability-to-Repay (ATR) and Qualified Mortgage (QM) qualifications as set forth in regulations
promulgated by the Consumer Financial Protection Bureau as found at 12 CFR 1026.43. For purposes of such review, where loans were
originated by a broker, consider the loan application date to be the date the loan file was received by the original creditor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. RESPA/Regulation X: Review to ensure compliance with the applicable requirements of RESPA/Regulation
X 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. Good Faith Estimate (" <u>GFE</u> "):

&nbsp;&nbsp;&nbsp;&nbsp;&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. Confirm the presence of the current GFE form in effect at the time of origination. Verify GFE was
provided to the borrower(s) within three (3) business days of the date the lender (or broker if applicable) received an "application,"
which is to be defined by the 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;&nbsp;&nbsp;&nbsp;&nbsp;B. RESPA 2010: Determine whether a valid and properly documented change in circumstance accompanies
any re-disclosed GFE containing 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. any change(s) to loan terms, including any increase in rate after the rate has been locked and/or
change to loan program; 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;2. Any increase in fee(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Final HUD-1: Confirm compliance with the RESPA requirements in effect as of origination of the
Mortgage Loan including, but not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&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. Current applicable HUD-1 form was provided;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Escrow deposit on the HUD-1 matches the initial escrow statement amount; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify all sections of the HUD-1 were accurately completed and that information was reflected in
the appropriate locations.

Page **12** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;&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. GFE and Final HUD-1 Comparison (RESPA 2010): Confirm compliance with the RESPA requirements in
effect as of origination of the Mortgage Loan including, but not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&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. Review changes disclosed on the latest GFE provided to the borrower to ensure that they were within
the allowed tolerances as set forth in the RESPA requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&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. Confirm Mortgage Loan terms and fees disclosed on the third page of the HUD-1 accurately reflected
how they were disclosed on the GFE and how the Mortgage Loan closed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. A change in loan amount from the latest GFE to the HUD-1 is acceptable and should not be conditioned.
Any other changes to loan terms must be noted.

&nbsp;&nbsp;&nbsp;&nbsp;&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. Review any attempt to cure a RESPA violation to ensure that the proper reimbursement was made and/or
a new HUD-1 was provided and that it was done within the required thirty (30) day window.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Additional RESPA/Regulation X Disclosures and Requirements: Confirm compliance with RESPA/Regulation
X documentation and timing requirements in effect at origination of the Mortgage Loan for other RESPA disclosures (Servicing Disclosure
Statement; Special Information Booklet; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Equal Credit Opportunity Act/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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Fair Credit Reporting Act/Regulation V: Confirm compliance with the 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;h. Mandatory Arbitration – TPR will test for mandatory arbitration provisions in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Single Premium Credit Insurance – TPR will test for purchase loans with 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;j. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Georgia and New Jersey – Vendor will report the following loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage loans subject to the Georgia Fair Lending Act and originated between October 1, 2002 and
March 6, 2003.

&nbsp;&nbsp;&nbsp;&nbsp;&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. Cash-out refinance mortgage loans originated between November 27, 2003 and July 5, 2004 that meet
the definition of a "covered home loan" pursuant to the New Jersey Homeownership Security Act.

Business Purpose Loan submitted pursuant to this Exhibit and designed by Client as a Business Purpose Loan will be automatically deemed and

reported as "Exempt" and Recovco will not perform any ATR/QM Testing or TRID Testing.

Page **13** of **19**

**<u>Qualified Mortgage</u>**

With respect to QM (Safe Harbor and Higher-priced) designated loans, Recovco 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, Recovco 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, Recovco 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.

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.).

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

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

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

Page **14** of **19**

**VALUATION REVIEW:**

For each Mortgage Loan, Recovco performed Property Valuation Review Services in accordance with the following waterfall:

The value of the underlying property. Recovco's review will include verifying the appraisal report was (i) on the appropriate 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, Recovco'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, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Recovco's review include (i) verifying that the address matched the mortgage note, (ii) noting whether the property zip code was declared a FEMA disaster area classified as IA (Individual Assistance) or IH (Individual and Household Assistance) after the valuation date and notifying the Client of same, (iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (v) 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 (vi) confirming that the value product that was used as part of the origination decision conforms with rating agency requirements.

If more than one valuation was provided, Recovco will confirm consistency among the valuation products and if there are discrepancies that could not be resolved, Recovco will create an exception and work 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 Recovco's review result in a variance of more than 10% then the client will be notified of such variance. If CU Score of 2.5 or less was allowed, then nothing further was required.

For each Mortgage Loan, Recovco will perform Property Valuation Review Services as indicated in the terms below:

&nbsp;&nbsp;&nbsp;&nbsp;1. **100% of the Loans:** Recovco will review the origination appraisal
for the following items: (i) the age of the appraisal, (ii) verification of the property address, (iii) completeness and accuracy
of the appraisal form, (iv) verification of the appraiser licensing, (v) the comparable sales analysis including age, distance,
and adjustments, (vi) zoning concerns, (vii) appraisal was performed using approved forms, and (viii) made on an "as is"
basis.

Page **15** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;2. **Additional valuation:** Recovco will review the additional valuation
provided from origination or ordered upon request: (i) the age of the valuation, (ii) verification of the property address, (iii)
completeness and accuracy of the valuation form, (iv) the comparable sales analysis including age, distance, and adjustments, (v)
zoning concerns, and (vi) made on an "as is" basis.

**NRSRO GRADING CRITERIA:**

Upon completion of the loan file review, Recovco assigned grading which considered factors based on the review criteria, product, and NRSRO requirements.

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the following:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**CREDIT EVENT GRADE** | &nbsp;&nbsp;**CREDIT EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan meets the published guidelines without exception or waiver. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. QM designation status has been confirmed. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan does not meet every applicable requirement of the underwriting guidelines; however, the majority of requirements are met, and strong compensating factors have been document in support of guideline exceptions. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not meet every applicable requirement of the underwriting guidelines due to limited, weak or no compensating factors to support the exception. Status of occupancy, employment, income and asset were not remedied or were remediated post-closing. Fully supported. Fraud was identified and/or credit document defects were not remedies or were remediated post-closing. Lender/aggregator QC designation was not confirmed. The loan file was not provided for review or not sufficiently document in order to complete the review. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The loan file was not provided for review or not sufficiently document in order to complete the review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**REGULATORY COMPLIANCE EVENT GRADE** | &nbsp;&nbsp;**REGULATORY COMPLIANCE EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan is compliant with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. The loan has met ATR standards as documented by the originator and if applicable has been verified as a qualified mortgage. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Identified exceptions have been determined to be non-material and will not impact the enforceability of the loan and/or remediation of material defects has taken place and the remediated exception will not impact the ability to foreclose. All cures are fully and appropriately documented. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not meet every ATR standards, is missing required disclosures or contains inaccurate disclosures which have not been/cannot be remediated and/or a benefit to the borrower cannot be determined. The agreed upon loan terms do not align to legal documents and/or legal documents were not appropriately executed. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The loan file was not provided for review or not sufficiently document in order to complete the review. |

---

Page **16** of **19**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**VALUATION EVENT GRADE** | &nbsp;&nbsp;**VALUATION EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Value is supported and within 10.00% of the original appraised value, the property is 100% complete and property and valuation meet the required underwriting guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The property is complete but may require minor repairs that do not affect the habituality, marketability or value or allowable incomplete repairs are supplemented with a builder holdback agreement as required by underwriting guidelines. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;Value is not supported within 10.00% of the original appraised value, the subject property constructions is not complete and/or appraisal was not on an as-is basis and final inspection is not documented. The appraisal was not conducted on an approved form and/or appraiser was not appropriately licensed. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The file was missing the appraisal or there was insufficient valuation documentation to perform a review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**OVERALL EVENT GRADE** | &nbsp;&nbsp;**OVERALL EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation guidelines and has sufficient accuracy and completeness of data to conduct a thorough review. |
| &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 are supported and substantially meet 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 an adequate review. |

---

Page **17** of **19**

**FINDINGS SUMMARY:**

---

| | |
|:---|:---|
| &nbsp;&nbsp; <br> **OVERALL REVIEW RESULTS** | &nbsp;&nbsp; <br> **OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;53 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**REGULATORY COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**REGULATORY COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;61 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 |

---

Page **18** of **19**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**VALUATION REVIEW RESULTS** | &nbsp;&nbsp;**VALUATION REVIEW RESULTS** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;60 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 |

---

**DATA INTEGRITY REVIEW RESULTS SUMMARY TABLE:**

For the 61 mortgage loans included within the Data Integrity population below list the results of the discrepancies

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**Loan <br> Count** |
| &nbsp;&nbsp;Borrower DTI Ratio | &nbsp;&nbsp;31 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Lender Doc Type | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original Stated Rate | &nbsp;&nbsp;55 |
| &nbsp;&nbsp; Representative Score | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;5 |

---

Page **19** of **19**

## Exhibit 99.32

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.32**

**Rating Agency Grading**

**Run Date - 1/5/2023**

---

| | | |
|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Recovco Loan ID** | **Loan #1** | **Original Loan Amount** |
| BSNQUGFRSRJ | 2023010108 | XXX A |
| CS34YXMC0VB | 2023010109 | XXX A |
| XIAG3LXEAJ4 | 2023010110 | XXX A |
| ILEL4CXLBIV | 2023010105 | XXX A |
| OH2L5NDI0SG | 2023010106 | XXX A |
| FOPL2CXND3C | 2023010107 | XXX A |
| LBRP5B0OORW | 2023010103 | XXX A |
| CU4HJHWSEA2 | 2023010104 | XXX A |
| 2TAOYPVM4ZP | 2023010567 | XXX A |
| D1OTZIEU1ZP | 2023010565 | XXX A D B |
| S2N0NZWCM2I | 2023010566 | XXX A |
| O1SJBVV2MPH | 2023010594 | XXX D A B |
| CPXCOMSQVF1 | 2023010596 | XXX D A |
| 3MZXQQRQBQ2 | 2023010595 | XXX D A |
| EQXOFN2N1JL | 2023010597 | XXX D A |
| JML34ITFVXL | 2023010598 | XXX D B A |
| AELN0US0H0T | 2023010599 | XXX D A B |
| KNWH0IS33SY | 2023010600 | XXX D A B |
| MHYTCPF4FIP | 2023010554 | XXX D A |
| 3NYCMO3CAXL | 2023010555 | XXX A |
| 23RB15J1MXM | 2023010556 | XXX D A |
| HECGFNLDCOR | 2023010557 | XXX D A |
| XNO2P3PNL1P | 2023010568 | XXX A |
| 0MGWWYVRVLE | 2023010569 | XXX D A |
| TBENFIRCVQT | 2023010570 | XXX A |
| 0TPVTMCCIIF | 2023010571 | XXX A |
| VKCP2DLJRDA | 2023010572 | XXX A D |
| SOCQU5MYFJW | 2023010558 | XXX A D |
| A3GFJD5PZDT | 2023010559 | XXX A B |
| M1WMDEES4MU | 2023010573 | XXX A D |
| RHYN025BU2C | 2023010574 | XXX D A |
| 4JGU5VEOFIP | 2023010575 | XXX D A |
| ZOAMMKSFYU4 | 2023010601 | XXX D A B |
| 1UQGLLSG1L0 | 2023010576 | XXX D A |
| PEEWNSSH2VJ | 2023010577 | XXX A |
| ULPUA1EVPJA | 2023010602 | XXX D A |
| 53HUPZFYTZS | 2023010578 | XXX D A |
| WXXN2YMB4YL | 2023010579 | XXX A |
| PMKB0TOPLVF | 2023010560 | XXX A |
| PWJAFT31E2S | 2023010603 | XXX D A |
| UDDSWPEUSCV | 2023010580 | XXX A |
| IACALNUERQR | 2023010581 | XXX D A B |
| KYRAJLMK4XV | 2023010605 | XXX A D |
| MTM4HRW51QQ | 2023010606 | XXX D A B |
| UCPLVQ4NSWB | 2023010561 | XXX A |
| WKN3YIS5JGK | 2023010582 | XXX D A B |
| DLGJNEBILIH | 2023010604 | XXX A D |
| 3A42W43JGHP | 2023010583 | XXX A |
| GHIR22MK5PD | 2023010562 | XXX A D |
| CNSR4AY3O2Z | 2023010584 | XXX D A |
| S52TB5OXMWP | 2023010563 | XXX A |
| FU4SDEEOITV | 2023010585 | XXX A |
| ESYSWUMVEAJ | 2023010586 | XXX A |
| 4VFIYFXKEJJ | 2023010587 | XXX A D |
| AY1M0VFRWI0 | 2023010588 | XXX A |
| MEPK5ZMGJUN | 2023010589 | XXX A |
| JQOX03XTV5N | 2023010590 | XXX A |
| DWDJLHTGHZP | 2023010591 | XXX D A |
| VDHUA340TVK | 2023010592 | XXX A |
| MKNABSHUB2O | 2023010593 | XXX A |
| 0LKFLJB5KYE | 2023010564 | XXX A |

---

## Exhibit 99.33

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.33**

**Exception Level**

**Run Date - 1/5/2023** 

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan # 1** | **Exception Category** | **Exception Sub-Category** | **Exception Status** | **Exception Grade** | **Loan Exception ID** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Seller Comments** | **Reviewer Comments** | **Exception Remediation** |
| BSNQUGFRSRJ | 2023010108 | Credit | Eligibility | Resolved | Resolved | BSNQUGFRSRJ-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | The loan was AUS- DU approved at XXX, the debts at the time of origination did not include the add'l obligation of alimony paid by borrower X in the divorce decree on page XXX of the loan file. With this additional obligation of XXX monthly that is payable until XXX , the DTI increases to XXX X and no longer meets the DU tolerance.<br>XXX Lender provided updated DU with DTI of XXX . Unable to clear condition as calculated at XXX X. No explanation from lender provided. |  |  | XXX . resolved. Spousal support payment is listed on the divorce decree | XXX. resolved. Spousal support payment is listed on the divorce decree |
| BSNQUGFRSRJ | 2023010108 | Credit | Credit | Resolved | Resolved | BSNQUGFRSRJ-P293MAUY | Unable to verify all credit obligations (ATR) | \* Unable to verify all credit obligations (ATR) (Lvl R) | Borrower two, XXX (pgXXX)., also pays child support and spousal support, as evidenced in Divorce decree, pg. XXX . Spousal support debt (pg. XXX) was not counted in TDTI of original UW per Final XXX of Borrower X. |  |  | XXX . resolved. Spousal support payment is listed on the divorce decree | XXX. resolved. Spousal support payment is listed on the divorce decree |
| ILEL4CXLBIV | 2023010105 | Valuation | ValuationWaterfall | Resolved | Resolved | ILEL4CXLBIV-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | CU Risk Score XXX. Provide Third Party Valuation supporting appraised value within XXX variance. |  |  | XXX Lender approved with FRE R&W. Meets lender guides. | XXX Lender approved with FRE R&W. Meets lender guides. |
| ILEL4CXLBIV | 2023010105 | Credit | Credit | Resolved | Resolved | ILEL4CXLBIV-08D7I9DC | Asset Verification insufficient | \* Asset Verification insufficient (Lvl R) | The AUS required XXX .XX in assets to be verified. The assets in file reflect XXX .XX; however a wire transfer of XXX .XX into account (XXX) on X/X was not sourced and seasoned.<br>XXX Resolved- Lender provided settlement statement from refinance as source of large deposit. |  |  | XXX Resolved- Lender provided settlement statement from refinance as source of large deposit. | XXX Resolved- Lender provided settlement statement from refinance as source of large deposit. |
| ILEL4CXLBIV | 2023010105 | Credit | AUS | Resolved | Resolved | ILEL4CXLBIV-7A53YLIZ | File Does Not Support Data Submitted to DU | \* Documentation Does Not Support (Lvl R) | The AUS in file datedXXX shows a DTI of XXX . The XXX at origination and the review of the DTI reflect a DTI of XXX. The final DTI exceeds the acceptable variance. |  |  | XXX Lender provided LP dated XXX with Eligible Accept - DTI approved to XXX . | XXX Lender provided LP dated XXX with Eligible Accept - DTI approved to XXX. |
| OH2L5NDI0SG | 2023010106 | Credit | DTI | Resolved | Resolved | OH2L5NDI0SG-M24IS310 | DTI > XXX | \* DTI > XXX (Lvl R) | The DTI calculated at origination was XXX . The total liabilities indicated on the XXX was XXX per month and total monthly income for the borrowers was XXX .XX. The total monthly income calculated for the borrowers during the audit review is XXX .XX per month and total monthly liabilities is XXX .XX resulting in a DTI of XXX .XXX . The investment property located at XXX XXX had a monthly net loss of XXX .XX and the co-borrower had a second job through one of the borrower's businesses; however, the tax returns indicate she has less than two years in the second job. |  |  | XXX : Resolved. Additional income was identified with updated VOE from, showing co-borrowers bonus income for two years. DTi is XXX and meets New AUS DU received. | XXX: Resolved. Additional income was identified with updated VOE from Equifax, showing co-borrowers bonus income for two years. DTi is XX.XXX and meets New AUS DU received. |
| OH2L5NDI0SG | 2023010106 | Valuation | Value | Resolved | Resolved | OH2L5NDI0SG-M0XGEFL4 | Quality of Appraisal Report Unacceptable | \* Quality of Appraisal Report Unacceptable (Lvl R) | The subject was purchase as an investment property. The appraisal report is missing the comparable rent schedule to determine the rental market viability and income producing potential for subject property. |  |  | XXX : Resolved. Received Comparable Rent Schedule that offsets the subjects mortgage. | XXX: Resolved. Received Comparable Rent Schedule that offsets the subjects mortgage. |
| OH2L5NDI0SG | 2023010106 | Credit | Eligibility | Resolved | Resolved | OH2L5NDI0SG-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl R) | The DTI calculated at origination was XXX . The total liabilities indicated on the XXX was XXX per month and total monthly income for the borrowers was XXX .XX. The total monthly income calculated for the borrowers during the audit review is XXX .XX per month and total monthly liabilities is XXX .XX resulting in a DTI of XXX .XXX . The investment property located at XXX XXX had a monthly net loss of XXX .XX and the co-borrower had a second job through one of the borrower's businesses; however, the tax returns indicate she has less than two years in the second job. |  |  | XXX : Resolved. Additional income was identified with updated VOE from Equifax, showing co-borrowers bonus income for two years. DTi is XXX and meets New AUS DU received. | XXX: Resolved. Additional income was identified with updated VOE from Equifax, showing co-borrowers bonus income for two years. DTi is XX.XXX and meets New AUS DU received. |
| FOPL2CXND3C | 2023010107 | Valuation | ValuationWaterfall | Resolved | Resolved | FOPL2CXND3C-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The loan file does not contain a secondary valuation supporting the value used at origination. |  |  | XXX Resolved: Supporting AVM provided  | XXX Resolved: Supporting AVM provided  |
| FOPL2CXND3C | 2023010107 | Credit | Doc Issue | Resolved | Resolved | FOPL2CXND3C-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The Title Commitment on page XXX , reflects coverage amount of XXX . The subject loan amount was XXX . Provide Title with adequete coverage. |  |  | XXX Resolved- Lender provided committment in the amount of XXX | XXX Resolved- Lender provided committment in the amount of XXX,XXX |
| 2TAOYPVM4ZP | 2023010567 | Valuation | ValuationWaterfall | Resolved | Resolved | 2TAOYPVM4ZP-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing Third Party Valuation Product to support the appraisal value with XXX variance. |  | XX-XX-XXX Post Close AVM received supports origination value. | XX-XX-XXX Resolved | XXX Resolved |
| D1OTZIEU1ZP | 2023010565 | Valuation | ValuationWaterfall | Active | 2: Acceptable with Warnings | D1OTZIEU1ZP-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl X) | The secondary valuation supporting the subjects value within XXX is not located in the loan file |  | Client provided verification appraisal covered under reps and warrant relief. | EVX: Client provided verification appraisal covered under reps and warrant relief.  | EVX: Client provided verification appraisal covered under reps and warrant relief.  |
| D1OTZIEU1ZP | 2023010565 | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | D1OTZIEU1ZP-EOCDDTAJ | ROR funding date before end of required rescission | \* ROR funding date before end of required rescission period (Lvl X) | The loan failed the Right of Rescission test. The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXX .XX or §XXX .XX, or delivery of all material disclosures, whichever occurs last. Consummation took place on XXX and per the last revised CD/PCCD issued on XXX, the loan disbursed on XXX. Loan could not disburse until after the end of the rescission period; rescission ended on XXX. The defect can be cured by providing the true funding date. |  | XXX Mailing label, letter of explanation, and updated Right to Cancel provided. | XXX cleared. Rescission period re-opened. Mailing label, letter of explanation, and updated Right to Cancel provided. Because defect was resolved after disbursement, grade is EVX (B). | XXXX cleared. Rescission period re-opened. Mailing label, letter of explanation, and updated Right to Cancel provided. Because defect was resolved after disbursement, grade is EVX (B). |
| S2N0NZWCM2I | 2023010566 | Credit | Credit | Resolved | Resolved | S2N0NZWCM2I-W8O59YIL | Final XXX is Missing | \* Final XXX is Missing (Lvl R) | Provide all pages of final XXX . Missing REO pages for the following properties: XXX |  |  | XXX : Not Cleared. The XXX with all properties identified was not provided - missing the following three properties on the schedule of RE owned:XXX<br> XXX : Cleared. Updated XXX received. | XXX: Not Cleared. The XXX with all properties identified was not provided - missing the following three properties on the schedule of RE owned:XXX.<br> XXX: Cleared. Updated XXX received. |
| S2N0NZWCM2I | 2023010566 | Credit | Credit | Resolved | Resolved | S2N0NZWCM2I-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl R) | DTI variance exceeds XXX. DU ratios XXX / XXX . Audit ratios XXX / XXX. Difference due to rental income calculations and wages used to qualify. The XXX reflects borrowers income of XXX .XX and net rental income of XXX for total qualifying income of XXX .XX and audit reflects base pay of XXX .XX, commission of XXX .XX (used lower YTD) and net rental loss of - XXX .XX that was added to the debt for total qualifying income of XXX .XX and DTI of XXX. |  |  | XXX Removed the DTI is with max guides of XXX it is XXX . | XXX Removed the DTI is with max guides of XXX it is XXX. |
| S2N0NZWCM2I | 2023010566 | Credit | Credit | Resolved | Resolved | S2N0NZWCM2I-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | Provide lease for . supporting XXX /month<br>Provide documentation to support the following: <br> XXX taxes and insurance in the amount of XXX .XX<br> XXX taxes and insurance in the amount of XXX .XX<br> XXX insurance in the amount of XXX<br> XXX taxes and insurance in the amount of XXX .XX<br> XXX taxes and insurance in the amount of XXX .XX<br> XXX PITI, taxes and insurance (Schedule E shows mtg int paid - if sold provide CD from sale of property)<br> XXX taxes and insurance in the amount of XXX<br> XXX loan to XXX (XXX), provide CD supporting PITI XXX .XX<br> XXX and insurance in the amount of XXX<br> Primary Residence - Topaz Rd: taxes and insurance in the amount of XXX .XX<br>Credit report shows (XXX) purchase money first balance XXX , payment XXX , open date X/XX but is not listed on XXX REO. Provide updated XXX REO listing mortgage and which property it is secured against OR evidence lien was paid/transferred. |  |  | XXX : Cleared. Information for all properties listed and on the tax returns in file. | XXX: Cleared. Information for all properties listed and on the tax returns in file. |
| O1SJBVV2MPH | 2023010594 | Credit | Credit | Resolved | Resolved | O1SJBVV2MPH-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The appraisal XXX is marked Under Construction; however, it also shows the Year Built date is XXX and the photos show a completed home which appears to be occupied. Provide corrected appraisal. |  |  | XXX Resolved. Lender provided corrected appraisal. | XXX Resolved. Lender provided corrected appraisal. |
| O1SJBVV2MPH | 2023010594 | Credit | Credit | Waived | Waived | O1SJBVV2MPH-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl W) | The borrower is a First Time Home Buyer and the borrower's housing payment is increasing from XXX to XXX .XX which is a payment shock of XXX .XXX . The XXX Bank Statement guidelines for First-Time Home Buyers Section XXX states: The maximum payment shock allowed is XXX X. | Qualifying Credit Score is XXX , Is greater than XXX min at XXX LTV by XXX points<br> DTI XXX , is less than maximum DTI of XXX by XXX X<br> Residual Income of XXX , is greater than XXX minimum by XXX <br> Reserves of XXX Months is greater than X months required by XXX months<br> Borrower with same Employer/Business for X years |  | XXX Downgraded to EVX- Payment shock is below maximum XXX X for Non. Lender provided exception approval datedXXX with compensating factors.<br> Qualifying Credit Score is XXX , Is greater than XXX min at XXX LTV by XXX points<br> DTI XXX , is less than maximum DTI of XXX by XXX X<br> Residual Income of XXX , is greater than XXX minimum by XXX <br> Reserves of XXX Months is greater than X months required by XXX months<br> Borrower with same Employer/Business for X years | XXX Downgraded to EVX- Payment shock is below maximum XXXX for Non-FTHB. Lender provided exception approval dated XXX with compensating factors.<br> Qualifying Credit Score is XXX, Is greater than XXX min at XXX LTV by XXX points<br> DTI XX.XXX, is less than maximum DTI of XXX by XX.XXXX<br> Residual Income of XXX, is greater than XXX minimum by XX,XXX<br> Reserves of XX.XX Months is greater than X months required by X.XX months<br> Borrower with same Employer/Business for X years |
| CPXCOMSQVF1 | 2023010596 | Credit | Credit | Resolved | Resolved | CPXCOMSQVF1-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | XXX /XXX reflects self-employed income of XXX .XX for the borrower and XXX .XX for the co-borrower for total qualifying income of XXX .XX/month. Origination income is not supported. The loan file contains only two months business bank statements (September and October XXX for XXX #XXX). Per the Income Worksheet (XXX) XX-months statements were used for the XXX account ending #XXX . Qualifying income and Residual income cannot be calculated without required XX-months bank statements. Audit figures were based on origination income. | XXX LTV is below the maximum XXX LTV by XXX.<br> XXX Representative credit score exceeds the minimum required credit score of XXX by XXX points.<br> XXX .XX reserves (XXX months) exceed the minimum required of XXX .XX (X months) by XXX months over the required minimum. |  | XXX : Resolved. Received XX months bank statements from. | XXX: Resolved. Received XX months bank statements from XXX #XXX. |
| CPXCOMSQVF1 | 2023010596 | Credit | Credit | Resolved | Resolved | CPXCOMSQVF1-PXITUQYJ | XXX Application [information not provide] | \* XXX Application [information not provide] (Lvl R) | The final XXX reflects equal qualifying income of XXX .XX for the borrower and income of XXX .XX for the co-borrower; however, the final loan application for the co-borrower (XXX) does not reflect any employment or income information. The CPA letter confirms they each have XXX ownership; however, the loan file is missing the final loan application for the co-borrower to match the final XXX . | XXX LTV is below the maximum XXX LTV by XXX.<br> XXX Representative credit score exceeds the minimum required credit score of XXX by XXX points.<br> XXX .XX reserves (XXX months) exceed the minimum required of XXX .XX (X months) by XXX months over the required minimum. |  | XXX : Resolved. Updated application with income and employment added for co borrowers as well as additional property owned received. | XXX: Resolved. Updated application with income and employment added for co borrowers as well as additional property owned received. |
| CPXCOMSQVF1 | 2023010596 | Credit | Credit | Resolved | Resolved | CPXCOMSQVF1-BGXHGJCO | Unable to verify PITI on other mortgage debt (ATR) | \* Unable to verify PITI on other mortgage related obligations (ATR) (Lvl R) | The fraud report (XXX) reflects the co-borrower owns a property located at XXX XXX Dr, XXX , TX under Alma Y. Gonzalez, which is an AKA on the borrower's credit report. The loan application does not disclose this property or include in the DTI and the loan file does not contain documentation to verify it is not the borrowers. | XXX LTV is below the maximum XXX LTV by XXX.<br> XXX Representative credit score exceeds the minimum required credit score of XXX by XXX points.<br> XXX .XX reserves (XXX months) exceed the minimum required of XXX .XX (X months) by XXX months over the required minimum. |  | XXX : Resolved. This property is free and clear and has been added to loan application with taxes payment of XXX .monthly. Home is free and clear validation of the HOI is not required.  | XXX: Resolved. This property is free and clear and has been added to loan application with taxes payment of XXX.monthly. Home is free and clear validation of the HOI is not required.  |
| CPXCOMSQVF1 | 2023010596 | Credit | Underwriting | Resolved | Resolved | CPXCOMSQVF1-GMFYRF6T | Payment Shock exceeds guidelines | \* Payment Shock exceeds guidelines (Lvl R) | Per lender guidelines, when a borrower housing history is less than XX months, the payment made for the longest period during the last XX-months should be used to calculate the payment shock. The maximum allowable payment shock is XXX X. The borrower sold his primary residenceXXX and has since been residing in a hotel documented with hotel payments from X/XXX - present. The loan file does not contain documentation of what the mortgage payment was on the prior residence to calculate the payment shock and verify it is within the maximum allowable. | XXX LTV is below the maximum XXX LTV by XXX.<br> XXX Representative credit score exceeds the minimum required credit score of XXX by XXX points.<br> XXX .XX reserves (XXX months) exceed the minimum required of XXX .XX (X months) by XXX months over the required minimum. |  | XXX : Resolved. The Site X report concludes the prior residence was free and clear - guidelines state that there is no Payment shock determined when the previous property is free and clear. | XXX: Resolved. The Site X report concludes the prior residence was free and clear - guidelines state that there is no Payment shock determined when the previous property is free and clear. |
| 3MZXQQRQBQ2 | 2023010595 | Credit | Credit | Resolved | Resolved | 3MZXQQRQBQ2-P293MAUY | Unable to verify all credit obligations (ATR) | \* Unable to verify all credit obligations (ATR) (Lvl R) | The loan application reflects a property owned at XXX W XXX S (XXX , XXX) with no payments. The loan file does not contain evidence this property is owned free and clear and does not contain evidence of the taxes and insurance for the property to be included in the DTI. |  |  | XXX : Remained- Evidence of property XXX W. XXX S. PITI has been provided. First payment letter shows this property is not free and clear. The principal balance is XXX .XX. | XXX: Remained- Evidence of property XXX W. XXX S. PITI has been provided. First payment letter shows this property is not free and clear. The principal balance is XXX,XXX.XX. |
| 3MZXQQRQBQ2 | 2023010595 | Credit | Credit | Resolved | Resolved | 3MZXQQRQBQ2-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl R) | The borrower has verified assets of XXX .XX from the life insurance cash value, which is sufficient to close and meet reserve requirements. Per lender guidelines section XXX, when documenting receipt of funds from the insurance company, a copy of the check from the insurer or copy of the pay out statement issued by the insurer must be obtained. The loan file does not have a copy of the check from the insurer to verify liquidation. |  |  | XXX : Remains. Received LOE from seller stating borrower withdrew funds from business account and HELOC. Received print out from AFCU #XXX with a balance of XXX .XX as of XXX . Missing documentation showing the HELOC withdrawal and the monthly payment due after funds were withdrawn. The UP&L HELOC statement received is dated XXX which is prior to the withdrawal for closing. If the borrower did not use life insurance funds for closing, provide updated XXX with correct assets and HELOC payment. <br> XXX : Remains. Received document showing the AFCU HELOC is zero, UPCU HELOC was paid in full with AFCU checking account and UPCU HELOC was paid in full on XX/XX. Proof provide that there is no loan on the primary residence as of XX/XX which is after closing. Missing documentation showing the HELOC withdrawal and the monthly payment due after funds were withdrawn.<br> XXX : Resolved. Received copy of UPHC account pif and bank account showing the payment being made XXX was also received. | XXX: Remains. Received LOE from seller stating borrower withdrew funds from business account and HELOC. Received print out from XXX with a balance of XXXX.XX as of XXX. Missing documentation showing the HELOC withdrawal and the monthly payment due after funds were withdrawn. The UP&L HELOC statement received is dated XXXX which is prior to the withdrawal for closing. If the borrower did not use life insurance funds for closing, provide updated XXX with correct assets and HELOC payment. <br> XXX: Remains. Received document showing the AFCU HELOC is zero, UPCU HELOC was paid in full with AFCU checking account and UPCU HELOC was paid in full on XXXX. Proof provide that there is no loan on the primary residence as of XXXX which is after closing. Missing documentation showing the HELOC withdrawal and the monthly payment due after funds were withdrawn.<br> XXX: Resolved. Received copy of UPHC account pif and bank account showing the payment being made XXX was also received. |
| 3MZXQQRQBQ2 | 2023010595 | Credit | Credit | Resolved | Resolved | 3MZXQQRQBQ2-BGXHGJCO | Unable to verify PITI on other mortgage debt (ATR) | \* Unable to verify PITI on other mortgage related obligations (ATR) (Lvl R) | The loan application does not reflect a first mortgage on the primary residence; however, the hazard insurance policy (XXX) reflects a Mortgagee of . The credit report (XXX) does reflect a line of credit with with a balance of X; however, there is no documentation for this account. The loan file does not contain evidence there is no other loan on the primary residence other than the new HELOC with for XXX with a balance of XXX taken onXXX (XXX). |  |  | XXX : Partially Resolved. Received LOE explaining borrower does not have primary residence HELOC with AFCU. AFCU statement shows credit line is a business line of credit with X balance (resolved). LOE also states HELOC funds were withdrawn for closing. Missing documentation showing the HELOC withdrawal and the monthly payment due after funds were withdrawn. The UP&L HELOC statement received is dated XXX which is prior to the withdrawal for closing. <br>XXX : Remains. Received document showing the AFCU HELOC is zero, UPCU HELOC was paid in full with AFCU checking account and UPCU HELOC was paid in full on XX/XX. Proof provide that there is no loan on the primary residence as of XX/XX which is after closing. Missing documentation showing the HELOC withdrawal and the monthly payment due after funds were withdrawn.<br> XXX : Resolved. The balance of the UPCU HELOC of XXX .XX was paid in full on XXX from borrowers XXX Credit Union account statement received. | XXX: Partially Resolved. Received LOE explaining borrower does not have primary residence HELOC with AFCU. AFCU statement shows credit line is a business line of credit with X balance (resolved). LOE also states HELOC funds were withdrawn for closing. Missing documentation showing the HELOC withdrawal and the monthly payment due after funds were withdrawn. The UP&L HELOC statement received is dated XXXX which is prior to the withdrawal for closing. <br>XXX: Remains. Received document showing the AFCU HELOC is zero, UPCU HELOC was paid in full with AFCU checking account and UPCU HELOC was paid in full on XXXX. Proof provide that there is no loan on the primary residence as of XXXX which is after closing. Missing documentation showing the HELOC withdrawal and the monthly payment due after funds were withdrawn.<br> XXX: Resolved. The balance of the UPCU HELOC of XXX,XXX.XX was paid in full on XXX from borrowers XXX Credit Union account statement received. |
| EQXOFN2N1JL | 2023010597 | Credit | Doc Issue | Resolved | Resolved | EQXOFN2N1JL-6HPPLAGC | Missing proof of hazard insurance | \* Missing proof of hazard insurance (Lvl R) | The loan file is missing the hazard insurance policy. |  |  | XXX : Remains. Lender provided HOI for the subject property with dwelling coverage of XXX and XXX X dwelling replacement. maximum coverage is at XXX and the loan amount is XXX . Property value is XXX ,XXX and land is valued at XXX . Coverage is insufficient. <br> XXX : Remains. Received HOI with XXX dwelling coverage and expiresXXX prior to note date<br> XXX : Resolved. The lender provided an updated HOI throughXXX with XXX k replacement cost and XXX k coverage | XXX: Remains. Lender provided HOI for the subject property with dwelling coverage of XXX,XXX and XXXX dwelling replacement. maximum coverage is at XXX,XXX and the loan amount is XXX,XXX. Property value is X,XXX,XXX and land is valued at XX,XXX. Coverage is insufficient. <br> XXX: Remains. Received HOI with XXX,XXX dwelling coverage and expires XXX prior to note date<br> XXX: Resolved. The lender provided an updated HOI through XXX with XXXk replacement cost and XXXk coverage |
| EQXOFN2N1JL | 2023010597 | Credit | Credit | Resolved | Resolved | EQXOFN2N1JL-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan application states the borrower is unmarried; however, the DOT states the borrower is a married man. Clarification for the discrepancy is missing. |  |  | XXX : Remains. Received Title insurance for the subject property. borrower is still listed as married.<br> XXX : Resolved. Received updated XXX as married and initialed by the borrower | XXX: Remains. Received Title insurance for the subject property. borrower is still listed as married.<br> XXX: Resolved. Received updated XXX as married and initialed by the borrower |
| EQXOFN2N1JL | 2023010597 | Credit | Doc Issue | Resolved | Resolved | EQXOFN2N1JL-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The preliminary title reflects a policy amount of XXX , whereas the loan amount is XXX . |  |  | XXX : Resolved. Received Title insurance for the subject property in the amount of XXX . | XXX: Resolved. Received Title insurance for the subject property in the amount of XXX,XXX. |
| JML34ITFVXL | 2023010598 | Compliance | Compliance | Resolved | Resolved | JML34ITFVXL-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (XX CFR §XXX .XX(e)(X)(i)) The increase to the Appraisal fees on XXX was not accepted because a valid change of circumstance was not provided. A cost to cure in the amount of XXX .XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | COC dated XXX | XXX Resolved. The COC dated XXX resolved the tolerance violation. | XXX Resolved. The COC dated XXX resolved the tolerance violation. |
| JML34ITFVXL | 2023010598 | Valuation | Property | Resolved | Resolved | JML34ITFVXL-FSPW8MVQ | Property Issues indicated | \* Property Issues indicated (Lvl R) | Per the appraisal, the subject sold within XXX days of the last sale and increased more than XXX requiring a second appraisal per lender guidelines section XX. Fraud report confirms the subject sold XXX for XXX and XXX for XXX . Title confirms the two sales as well (XXX). The loan file does not contain a second appraisal. | XXX Representative credit score exceeds the minimum required credit score of XXX by XX points.<br> XXX .XX reserves (XXX months) exceed the minimum required of XXX .XX (X months) by XXX months.<br> Borrower has XXX .XX residual income after all expenses.<br> Borrower has been employed at current job for X years. |  | XXX : Resolved. The loan file contains a XXXl AVM that is within XXX of the subjects value with a XXX confidence factor. | XXX: Resolved. The loan file contains a XXXl AVM that is within XXX of the subjects value with a XXX confidence factor. |
| JML34ITFVXL | 2023010598 | Credit | Credit | Resolved | Resolved | JML34ITFVXL-BGXHGJCO | Unable to verify PITI on other mortgage debt (ATR) | \* Unable to verify PITI on other mortgage related obligations (ATR) (Lvl R) | The fraud report (XXX) reflects the borrower owns a property located at XXX that has not been disclosed at origination. The loan file contains a Full Conveyance on the mortgage that was obtained (XXX) showing it was satisfied, but this does not verify the borrower does not have ownership and responsibility for the taxes and insurance. There is no documentation to verify he does not have ownership. | XXX Representative credit score exceeds the minimum required credit score of XXX by XX points.<br> XXX .XX reserves (XXX months) exceed the minimum required of XXX .XX (X months) by XXX months.<br> Borrower has XXX .XX residual income after all expenses.<br> Borrower has been employed at current job for X years. |  | XXX : Resolved. Received mortgage statement for XXX XXX and the borrower is not the owner | XXX: Resolved. Received mortgage statement for XXX XXX and the borrower is not the owner |
| JML34ITFVXL | 2023010598 | Credit | Credit | Resolved | Resolved | JML34ITFVXL-NUWHQML7 | Credit history inadequate/does not meet g/l (ATR) | \* Credit history insufficient/does not meet guidelines (ATR) (Lvl R) | The borrower does not meet the tradeline requirement of trade lines reporting for XX+ months with activity in last XX months OR X trade lines reporting for XX+ months with activity in last XX months. (XX-XX canceled rent checks may be used for a trade line. The borrower has XX months canceled rent checks and one tradeline for over XX months with activity within the last XX months. The file contains an approved exception (XXX) for the tradelines. | XXX Representative credit score exceeds the minimum required credit score of XXX by XX points.<br> XXX .XX reserves (XXX months) exceed the minimum required of XXX .XX (X months) by XXX months.<br> Borrower has XXX .XX residual income after all expenses.<br> Borrower has been employed at current job for X years. |  | XXX : Resolved. Credit bureau shows the following accounts that are within the last XX months reporting activity. XXX - XX months reporting XXX X/XX, XX mos reporting, XXX months with X/XX | XXX: Resolved. Credit bureau shows the following accounts that are within the last XX months reporting activity. XXX - XX months reporting XXX XXX, XXX XX mos reporting, XXX XXX,XXXXX months with XXX of XXX |
| JML34ITFVXL | 2023010598 | Credit | Credit | Resolved | Resolved | JML34ITFVXL-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The fraud report (XXX) reflects the borrower has an additional application dated XXX for a property address located at XXX XXX , XXX , CA. The loan file does not contain verification this application has been canceled. | XXX Representative credit score exceeds the minimum required credit score of XXX by XX points.<br> XXX .XX reserves (XXX months) exceed the minimum required of XXX .XX (X months) by XXX months.<br> Borrower has XXX .XX residual income after all expenses.<br> Borrower has been employed at current job for X years. |  | XXX : Resolved. Received property info for XXX whcih shows that the borrower is not the owner | XXX: Resolved. Received property info for XXX whcih shows that the borrower is not the owner |
| JML34ITFVXL | 2023010598 | Credit | Income | Resolved | Resolved | JML34ITFVXL-7ZU2HIM5 | Missing sufficient employment documentation (ATR) | \* Missing sufficient employment documentation (ATR) (Lvl R) | The loan file is missing the required CPA letter confirming XXX X ownership per the Questionnaire. | XXX Representative credit score exceeds the minimum required credit score of XXX by XX points.<br> XXX .XX reserves (XXX months) exceed the minimum required of XXX .XX (X months) by XXX months.<br> Borrower has XXX .XX residual income after all expenses.<br> Borrower has been employed at current job for X years. |  | XXX : Resolved. Bank statements and business filing in file reflect as a sole prop business. | XXX: Resolved. Bank statements and business filing in file reflect as a sole prop business. |
| JML34ITFVXL | 2023010598 | Credit | Eligibility | Active | 2: Acceptable with Warnings | JML34ITFVXL-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl X) | XXX /XXX reflects self-employed income of XXX /month. Origination income is supported. Audit income is XXX .XX/month. This results in a DTI of XXX X. Per lender guidelines, for loans with an LTV of greater than XXX , the maximum DTI is XXX . | XXX Representative credit score exceeds the minimum required credit score of XXX by XX points.<br> XXX .XX reserves (XXX months) exceed the minimum required of XXX .XX (X months) by XXX months.<br> Borrower has XXX .XX residual income after all expenses.<br> Borrower has been employed at current job for X years. |  | XXX : Exception approval provided for the DTI being over XXX . Compensating factors for the credit score of XXX , residual income of XXX , and employment stability. | XXX: Exception approval provided for the DTI being over XXX. Compensating factors for the credit score of XXX, residual income of XXX, and employment stability. |
| JML34ITFVXL | 2023010598 | Credit | Underwriting | Active | 2: Acceptable with Warnings | JML34ITFVXL-GMFYRF6T | Payment Shock exceeds guidelines | \* Payment Shock exceeds guidelines (Lvl X) | The maximum payment shock for a first-time homebuyer is XXX X. The borrower's rent payment per the verification of housing payments in the file (XXX - XXX) is XXX and the new PITI is XXX .XX resulting in a payment shock of XXX Xwhich exceeds the maximum allowed. | XXX Representative credit score exceeds the minimum required credit score of XXX by XX points.<br> XXX .XX reserves (XXX months) exceed the minimum required of XXX .XX (X months) by XXX months.<br> Borrower has XXX .XX residual income after all expenses.<br> Borrower has been employed at current job for X years. |  | XXX : Exception approval provided for payment shock. Compensating factors for the credit score of XXX , residual income of XXX , and employment stability. | XXX: Exception approval provided for payment shock. Compensating factors for the credit score of XXX, residual income of XXX, and employment stability. |
| JML34ITFVXL | 2023010598 | Credit | Credit | Active | 2: Acceptable with Warnings | JML34ITFVXL-5ENZSYCH | DTI/Residual income outside of guidelines (ATR) | \* DTI/Residual income outside of guidelines (ATR) (Lvl X) | XXX /XXX reflects self-employed income of XXX /month. Origination income is supported. Audit income is XXX .XX/month. This results in a DTI of XXX X. Per lender guidelines, for loans with an LTV of greater than XXX , the maximum DTI is XXX . | XXX Representative credit score exceeds the minimum required credit score of XXX by XX points.<br> XXX .XX reserves (XXX months) exceed the minimum required of XXX .XX (X months) by XXX months.<br> Borrower has XXX .XX residual income after all expenses.<br> Borrower has been employed at current job for X years. |  | XXX : Exception approval provided for the DTI being over XXX . Compensating factors for the credit score of XXX , residual income of XXX , and employment stability. | XXX: Exception approval provided for the DTI being over XXX. Compensating factors for the credit score of XXX, residual income of XXX, and employment stability. |
| AELN0US0H0T | 2023010599 | Valuation | Value | Resolved | Resolved | AELN0US0H0T-M0XGEFL4 | Quality of Appraisal Report Unacceptable | \* Quality of Appraisal Report Unacceptable (Lvl R) | The appraisal was completed for another lender and the loan file does contain the required assignment letter; however, it does not certify they have complied with Federal, State and FNMA Appraisal Independence requirements as required. | DTI is XXX X below maximum DTI of XXX .<br> XXX .XX reserves (XXX .XX months) exceed the required XXX .XX (X months) by XXX months.<br> Borrower has XXX .XX residual income after all expenses.<br> XXX mortgage payment history |  | XXX Resolved: the appraisal transfer letter is sign off and acceptable | XXX Resolved: the appraisal transfer letter is sign off and acceptable |
| AELN0US0H0T | 2023010599 | Valuation | Property | Resolved | Resolved | AELN0US0H0T-FSPW8MVQ | Property Issues indicated | \* Property Issues indicated (Lvl R) | The appraisal states there are no sales in the prior three years; however, the title (XXX) reflects a sale from XXX , LLC to XXX , LLC onXXX . There is no evidence of the amount of that sale to determine if there is an increase of greater than XXX and a second appraisal is required as the seller acquired the property within XXX days of the subject sale. | DTI is XXX X below maximum DTI of XXX .<br> XXX .XX reserves (XXX .XX months) exceed the required XXX .XX (X months) by XXX months.<br> Borrower has XXX .XX residual income after all expenses.<br> XXX mortgage payment history | Lender requested update. Reviewed and downgraded collections condition. Indicated pending item:\*The appraisal states there are no sales in the prior three years; however, the title (XXX) reflects a sale from XXX onXXX . There is no evidence of the amount of that sale to determine if there is an increase of greater than XXX and a second appraisal is required as the seller acquired the property within XXX days of the subject sale. | XXX Resolved: The fact the subject was new construction clarifies the prior sale of raw land. | XXX Resolved: The fact the subject was new construction clarifies the prior sale of raw land. |
| AELN0US0H0T | 2023010599 | Credit | Credit | Resolved | Resolved | AELN0US0H0T-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file is missing the Flood Insurance Policy to verify coverage is sufficient. |  |  | XXX : Resolved. Received flood coverage XXX | XXX: Resolved. Received flood coverage XXX,XXX |
| AELN0US0H0T | 2023010599 | Valuation | ValuationWaterfall | Resolved | Resolved | AELN0US0H0T-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The loan file is missing the secondary appraisal product required to support the appraised value per lender guidelines section XXX as the FNMA CU score exceeds XXX. |  | XXX Post fund Desk Review supports value. | XXX Exception resolved. | XXX Exception resolved. |
| AELN0US0H0T | 2023010599 | Credit | Credit | Waived | Waived | AELN0US0H0T-NUWHQML7 | Credit history inadequate/does not meet g/l (ATR) | \* Credit history insufficient/does not meet guidelines (ATR) (Lvl W) | The credit report reflects charge off of a lease with XXX with a past due amount of XXX that is within XX-months and lender matrix states no charge offs in the last XX months. | DTI is XXX X below maximum DTI of XXX .<br> XXX .XX reserves (XXX .XXmonths) exceed the required XXX .XX (X months) by XXX .XX months.<br> Borrower has XXX .XX residual income after all expenses.<br> XXX mortgage payment history<br>|  | XXX Down-graded to EVX and acknowledged. Lender provided the XXX /Approval with the condition addressed and the rationale for the waiver. Borrower has two non-medical collection accounts and charge off which can stay open since the borrower has sufficient assets for required reserves and for funds to close and to payoff the balances for these accounts. Remaining verified assets at XXX .XX, XXX .XX in reserves at XXX months. Sufficient compensating factors are present. | XXX Down-graded to EVX and acknowledged. Lender provided the XXX/Approval with the condition addressed and the rationale for the waiver. Borrower has two non-medical collection accounts and charge off which can stay open since the borrower has sufficient assets for required reserves and for funds to close and to payoff the balances for these accounts. Remaining verified assets at XXX,XXX.XX, XXX,XXX.XX in reserves at XXX months. Sufficient compensating factors are present. |
| KNWH0IS33SY | 2023010600 | Credit | Credit | Waived | Waived | KNWH0IS33SY-0BLBZVJN | Credit | \* Missing Documentation (Lvl W) | The loan file contains XX months bank statements each showing a check payment in the amount of XXX which is documented as his rent payments. The bank statements do not show who the check was paid to and do not include copies of the canceled checks. The loan file does not contain a copy of the rental lease or any documentation correlating these checks to the borrowers rent to verify the required XX month housing history.XXX Received lease that validates the XXX month in rent. Received exception dated XXX for XX months vs XX months proof of payment of rent. The compensating factors provided are XXX credit score, XXX X DTI, XX months verified reserves, residual income of XXX and payment shock of XXX . | XX month piti in reserves vs X months required<br> Residual income of XXX vs XXX required<br> Credit score of XXX vs XXX required at XXX <br> XXX DTI vs XXX max |  | XXX : Remains. Lender provided same bank statements but no additional information<br> XXX : Remains. Received lease with rents of XXX but missing rent payments for XX months <br> XXX : Remains. Received XX months of rent payments. Missing December and January payment<br> XXX : Loan Downgraded to EVX<br> XXX : Exception Acknowledged with compensating factors present. | XXX: Remains. Lender provided same bank statements but no additional information<br> XXX: Remains. Received lease with rents of XXX but missing rent payments for XX months <br> XXX: Remains. Received XX months of rent payments. Missing December and January payment<br> XXX: Loan Downgraded to EVX<br> XXX: Exception Acknowledged with compensating factors present. |
| MHYTCPF4FIP | 2023010554 | Credit | Credit | Resolved | Resolved | MHYTCPF4FIP-PXITUQYJ | XXX Application [information not provide] | \* XXX Application [information not provide] (Lvl R) | Section Xb of the final application for the borrower is marked "Does not apply" and is not completed. The section should reflect the borrower's business XXX and how many years of employment along with the monthly income. The "current address" indicates X years and X months at the departure residence. The updated XXX reflecting the correct information is missing. |  |  | XXX : Resolved. Received updated XXX with resident and employment times added. resident time is still X for co-borrower but is the same address as borrower and married | XXX: Resolved. Received updated XXX with resident and employment times added. resident time is still X for co-borrower but is the same address as borrower and married |
| 23RB15J1MXM | 2023010556 | Credit | Credit | Resolved | Resolved | 23RB15J1MXM-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The purchase contract on pages XXX - XXX does not reflect the borrower's name, initials, or signatures. The individual that signed the document as the buyer was the borrower's spouse. The addendum to the contract indicating the borrower was also a signatory to the purchase is missing. |  |  | XXX : Remains. Received the X page addendum to the contract<br> XXX : Resolved. Received all signed pages by the seller and the borrower's spouse with the addendum listing the borrower as the buyer | XXX: Remains. Received the X page addendum to the contract<br> XXX: Resolved. Received all signed pages by the seller and the borrower's spouse with the addendum listing the borrower as the buyer |
| 23RB15J1MXM | 2023010556 | Credit | Credit | Resolved | Resolved | 23RB15J1MXM-W8O59YIL | Final XXX is Missing | \* Final XXX is Missing (Lvl R) | The XXX indicates the borrower owns the departure residence locate at XXX XXX . The XXX also indicates the borrower owns a rental property located at XXX XXX . The fraud report on page XXX indicates the borrower's spouse owns the property not the borrower. Further, the purchase contract for the sale of the departure residence does not reflect the borrower's name as a seller. The HUD from the purchase of the departure residence on page XXX reflects the borrower's spouse not the borrower. The fraud report on pages XXX - XXX does not reflect the investment property located at XXX XXX indicating the borrower has no ownership of the property. The file is missing the updated XXX indicating the borrower has "No primary housing expense" for the departure residence and no investment property ownership. |  |  | XXX : Remains. Received updated XXX removing rental properties and the property taxes for X addresses in spouses name only. XXX is missing the update of no housing expense verses being owned<br> XXX : Remains. Received LOX from lender. XXX is missing the update of no housing expense verses being owned <br> XXX : Resolved. Received XXX with no housing expense verses being owned | XXX: Remains. Received updated XXX removing rental properties and the property taxes for X addresses in spouses name only. XXX is missing the update of no housing expense verses being owned<br> XXX: Remains. Received LOX from lender. XXX is missing the update of no housing expense verses being owned <br> XXX: Resolved. Received XXX with no housing expense verses being owned |
| HECGFNLDCOR | 2023010557 | Credit | Credit | Resolved | Resolved | HECGFNLDCOR-PXITUQYJ | XXX Application [information not provide] | \* XXX Application [information not provide] (Lvl R) | The final XXX on page XXX for the co-borrower reflects a mortgage through XXX in the amount of XXX with a monthly payment of XXX that is not attached to any of the properties owned by the co-borrower. The mortgage loan does not appear on the credit report and the file does not contain a VOM; therefore, the mortgage cannot be rated. Further, the loan file is missing documentation indicated which the property the mortgage is attached. The fraud report and MERS report do not indicate active mortgage loan through for the co-borrower. |  |  | XXX : Remains - an exception received datedXXX but the exception logging section has not been completed. <br> XXX : Resolved. Received credit report of XXX loan paid off in XXX with property details and mortgage satisfaction from sale of property | XXX: Remains - an exception received dated XXX but the exception logging section has not been completed. <br> XXX: Resolved. Received credit report snippet of Homestreet Bank loan paid off in XXX with property details and mortgage satisfaction from sale of property |
| HECGFNLDCOR | 2023010557 | Valuation | ValuationWaterfall | Resolved | Resolved | HECGFNLDCOR-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing Third Party Valuation Product to support the appraisal value within XXX variance. |  |  | XXX : Resoved: AVM provided |  |
| HECGFNLDCOR | 2023010557 | Compliance | Compliance | Resolved | Resolved | HECGFNLDCOR-YF1S1X5R | TRID- Initial LE timing fail | \* TRID- Initial LE timing fail (Lvl R) | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XXX was not disclosed within X days of the application date, XXX. If a Loan Estimate was given within X days of the application, the defect can be resolved by providing such disclosure. |  | XXX LOE provided, creditor observed New Year holiday XXX . | XXX Cleared. LOE provided, creditor observed New Year holiday XXX . Timing tests updated accordingly. | XXX Cleared. LOE provided, creditor observed New Year holiday XXX. Timing tests updated accordingly. |
| HECGFNLDCOR | 2023010557 | Compliance | Disclosures | Resolved | Resolved | HECGFNLDCOR-BNMOTPNR | Disclosures | \* Homeownership Counseling List (Lvl R) | The Homeownership Counseling Disclosure (HOC) dated XXX was not disclosed within X days of the application date, XXX. The defect can be resolved by providing evidence that shows the disclosure was provided within X-business days of application. |  | XXX LOE provided, creditor observed New Year holiday XXX . | XXX Cleared. LOE provided, creditor observed New Year holiday XXX . Timing tests updated accordingly. | XXX Cleared. LOE provided, creditor observed New Year holiday XXX. Timing tests updated accordingly. |
| HECGFNLDCOR | 2023010557 | Compliance | Compliance | Resolved | Resolved | HECGFNLDCOR-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (XX CFR §XXX .XX(e)(X)(i)) Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. |  | XXX. LOE provided, creditor observed New Year holiday XXX . | XXX Cleared. LOE provided, creditor observed New Year holiday XXX . Timing tests updated accordingly. | XXX Cleared. LOE provided, creditor observed New Year holiday XXX. Timing tests updated accordingly. |
| HECGFNLDCOR | 2023010557 | Compliance | Compliance | Resolved | Resolved | HECGFNLDCOR-AJUUGN04 | ComplianceEase TRID Tolerance Test Failed | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | This loan failed the charges that cannot increase test. (XX CFR §XXX .XX(e)(X)(i)) and This loan failed the charges that in total cannot increase more than XXX . Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. The violation may be cured if documentation is provided showing disclosures were delivered timely. |  | XXX LOE provided, creditor observed New Year holiday XXX . | XXX Cleared. LOE provided, creditor observed New Year holiday XXX . Timing tests updated accordingly.  | XXX Cleared. LOE provided, creditor observed New Year holiday XXX. Timing tests updated accordingly.  |
| HECGFNLDCOR | 2023010557 | Compliance | Compliance | Resolved | Resolved | HECGFNLDCOR-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | A revised disclosure was not provided to the consumer within X business days of the rate lock date, XXX. Per regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. |  | XXX LOE provided, creditor observed New Year holiday XXX . | XXX Cleared. LOE provided, creditor observed New Year holiday XXX . Timing tests updated accordingly. | XXX Cleared. LOE provided, creditor observed New Year holiday XXX. Timing tests updated accordingly. |
| HECGFNLDCOR | 2023010557 | Credit | Credit | Resolved | Resolved | HECGFNLDCOR-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file is missing the tax cert for the subject property. |  |  | XXX : Resolved. Received tax calculations for subject property | XXX: Resolved. Received tax calculations for subject property |
| HECGFNLDCOR | 2023010557 | Compliance | Compliance | Resolved | Resolved | HECGFNLDCOR-1E29A8UN | TRID- SPL late | \* TRID- SPL late (Lvl R) | The Service Provider List issued on XXX was not disclosed within X days of the application date, XXX. As a result, fees that the borrower could shop for were tested under XXX tolerance. The defect can be resolved by providing the SPL that was provided to the consumer within X business days of application. |  | XXX LOE provided, creditor observed New Year holiday XXX . | XXX Cleared. LOE provided, creditor observed New Year holiday XXX . Timing tests updated accordingly. | XXX Cleared. LOE provided, creditor observed New Year holiday XXX. Timing tests updated accordingly. |
| VKCP2DLJRDA | 2023010572 | Compliance | Compliance | Resolved | Resolved | VKCP2DLJRDA-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (XX CFR §XXX .XX(e)(X)(i)) The addition of the following fee onXXX was not accepted because a valid change of circumstance was not provided: Final Inspection Fee. A cost to cure in the amount of XXX .XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  |  | XXX Remains. The COC datedXXX does not resolve the addition of the Final Inspection added onXXX . The file gives no indication as to what date was known that a final inspection was needed. This loan failed the charges that cannot increase test. (XX CFR §XXX .XX(e)(X)(i)) The addition of the following fee onXXX was not accepted because a valid change of circumstance was not provided: Final Inspection Fee. A cost to cure in the amount of XXX .XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>XXX Resolved. The COC XXX is sufficient to cure the violation. | XXX Remains. The COC dated XXX does not resolve the addition of the Final Inspection added on XXX. The file gives no indication as to what date was known that a final inspection was needed. This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i)) The addition of the following fee on XXX was not accepted because a valid change of circumstance was not provided: Final Inspection Fee. A cost to cure in the amount of XXX.XX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>XXXX Resolved. The COC XXXX is sufficient to cure the violation. |
| SOCQU5MYFJW | 2023010558 | Compliance | Compliance | Resolved | Resolved | SOCQU5MYFJW-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (XX CFR §XXX .XX(e)(X)(i)) The increase to the Broker Fee on disclosureXXX was not accepted. Although the change appears to be valid, because a COC was not provided, auditor is unable to determine if the revised disclosure was provided within X business days of the change. A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or by providing a date for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  | LE datedXXX | XXX Resolved. The LE datedXXX resolved the tolerance violation. | XXX Resolved. The LE dated XXX resolved the tolerance violation. |
| M1WMDEES4MU | 2023010573 | Valuation | ValuationWaterfall | Resolved | Resolved | M1WMDEES4MU-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Per guidelines, section XXX, a secondary appraisal product is required if the FNMA Collateral Underwriter (CU) score is greater than XXX. There was no Collateral Underwriter Risk Score. The appraisal, page XXX , valued the subject property at XXX on XXX . The file did not include a secondary appraisal. |  | Issue Resolved: Client provided acceptable CU score | Issue Resolved: Client provided acceptable CU score | Issue Resolved: Client provided acceptable CU score |
| RHYN025BU2C | 2023010574 | Credit | Doc Issue | Resolved | Resolved | RHYN025BU2C-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The loan amount is XXX , and the title insurance is for XXX , which is a difference of XXX . | XXX Representative credit score exceeds the minimum required credit score of XXX by XX Points.<br> Borrower has owned subject investment property X years. | The lender provided a copy of the updated title policy with the correct loan amount. | XXX.XXX : Finding resolved. The lender provided a copy of the updated title policy with the correct loan amount. | XXX: Finding resolved. The lender provided a copy of the updated title policy with the correct loan amount. |
| RHYN025BU2C | 2023010574 | Valuation | ValuationWaterfall | Resolved | Resolved | RHYN025BU2C-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Per guidelines, section XXX, a secondary appraisal product is required if the FNMA Collateral Underwriter (CU) score is greater than XXX. The file did not contain a Collateral Underwriter Risk Score. The appraisal, page XXX , valued the subject property at XXX on XXX . The file did not include a secondary appraisal. | XXX Representative credit score exceeds the minimum required credit score of XXX by XX Points.<br> Borrower has owned subject investment property X years. | XX-XX-XXX Post Close Desk Review received supports origination value. | XX-XX-XXX Resolved | XXX Resolved |
| 4JGU5VEOFIP | 2023010575 | Credit | Guidelines | Resolved | Resolved | 4JGU5VEOFIP-JLS636HP | Income documentation does not meet guidelines | \* Income documentation does not meet guidelines (Lvl R) | Loan approval shows the subject loan was approved using XX months business bank statements, however only XX months business bank statements provided in the file (XXX toXXX). Missing copies of business bank statement from X/XXX to XX/XXX . |  |  | XXX : Remains. Received business bank statements from X/XXX to XX/XXX but X/XXX is illegible <br> XXX : Resolved. Received legible X/XXX | XXX: Remains. Received business bank statements from XXXX to XXX but XXXX is illegible <br> XXX: Resolved. Received legible XXXX |
| ZOAMMKSFYU4 | 2023010601 | Credit | Credit | Waived | Waived | ZOAMMKSFYU4-0BLBZVJN | Credit | \* Missing Documentation (Lvl W) | Per the final XXX XXX , the borrower rents at the current primary home at XX Central Ave, Tenton, NJ for X years with no rent amount reflected. The loan file contains a list of the rent payment history XXX for XX months at XXX and for X month at XXX . The business bank statements with XXX checking #XXX all reflect a XXX or XXX check clearing. XXX XXX, p.X XXX is XXX is XXX is XXX is XXX is XXX is XXX is XXX is XXX is XXX is XXX is XXX. The loan file is missing the copies of the checks to verify the checks were written to the landlord and the file is missing the lease to verify who the landlord is and the monthly rent amount. | Disposable income of XXX per month is great than the minimum of XXX by XXX <br> DTI of XXX X is less than the maximum of XXX y XXX <br> XXX FICO is greater than the minimum XXX by XX points<br> XXX Months reserves is greater than the minimum required X months by XXX months. |  | XXX : Downgraded to EVX: Lender provided email validation from MLO indicating error in the input of rental payment, provided corrected URLA, validated that the payments were XXX and then increased to XXX . Payments were validated in the bank statements as indicated in lieu of check copies. Lender approved with this documentation in file with compensating factors present. | XXX: Downgraded to EVX: Lender provided email validation from MLO indicating error in the input of rental payment, provided corrected URLA, validated that the payments were XXX and then increased to XXX. Payments were validated in the bank statements as indicated in lieu of check copies. Lender approved with this documentation in file with compensating factors present. |
| ZOAMMKSFYU4 | 2023010601 | Credit | Credit | Waived | Waived | ZOAMMKSFYU4-HZ5671LK | Missing Doc | \* Missing Doc (Lvl W) | The appraisal XXX shows the subject's city as XXX . The Note XXX, mortgage XXX, CD XXX, Title p. XXX XXX and final XXX XXX all show the subject's city as XXX . The loan file is missing a corrected appraisal with the subject's city as XXX . | Disposable income of XXX per month is great than the minimum of XXX by XXX <br> DTI of XXX X is less than the maximum of XXX y XXX <br> XXX FICO is greater than the minimum XXX by XX points<br> XXX Months reserves is greater than the minimum required X months by XXX months. |  | XXX Downgraded to EVX: Lender provided verification of zip code XXX indicating XXX and XXX are Listed. XXX Township is a township in XXX , New Jersey, United States. It is the largest suburb of XXX , New Jersey. All legal documents in file reflect the XXX . Non material condition pending an updated appraisal. | XXX Downgraded to EVX: Lender provided verification of zip code XXX indicating are Listed. XXX Township is a township in ,. It is the largest suburb of . All legal documents in file reflect the . Non material condition pending an updated appraisal. |
| ULPUA1EVPJA | 2023010602 | Credit | Credit | Resolved | Resolved | ULPUA1EVPJA-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The subject property is a condominium. The loan file contains Condo Questionnaire XXX , Condo HOI XXX and Condo Budget XXX . XXX Guidelines Section XXX.X states: All condominium transactions must have a completed Homeowners' Association (HOA) Certification not greater than XX days old at the time of closing and a valid project approval. The loan file is missing the (HOA) Certification not greater than XX days old at the time of closing and a valid project approval. |  |  | XXX : Remains. Received email from HOA/Property Manager the condo questionnaire is still valid but missing an updated Condo Questionnaire<br> XXX : Resolved. Received cert that the update was provided in the email by the HOA/Property Manager | XXX: Remains. Received email from HOA/Property Manager the condo questionnaire is still valid but missing an updated Condo Questionnaire<br> XXX: Resolved. Received cert that the update was provided in the email by the HOA/Property Manager |
| 53HUPZFYTZS | 2023010578 | Credit | Credit | Resolved | Resolved | 53HUPZFYTZS-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | Per guidelines, section XXX, a two (X) year housing history is required. The loan file did not include documentation verifying a two year housing history. The loan application did not indicate how long the borrowers were at their current address. |  | This is a XXX we do not verify any housing history. XXX have a Foreign address<br> and it is not required to be documented | XXX : Resolved. This is a Foreign National we do not verify any housing history. Foreign Nationals have a Foreign address and it is not required to be documented | X.XX.XXX: Resolved. This is a XXXl we do not verify any housing history. XXX have a Foreign address and it is not required to be documented |
| WXXN2YMB4YL | 2023010579 | Valuation | ValuationWaterfall | Resolved | Resolved | WXXN2YMB4YL-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Secondary appraisal product is required due to FNMA CU Score of XXX, loan amount >XXX and cash-out exceeding XXX . The loan file is missing the secondary appraisal product. Acceptable review products include AVM's, enhanced desk reviews, and field reviews. |  |  | XXX : Resolved. AVM provided. | XXX: Resolved. AVM provided. |
| PWJAFT31E2S | 2023010603 | Credit | Credit | Resolved | Resolved | PWJAFT31E2S-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The borrower provided an HOA letter XXX which lists the properties owned by the borrowers which do not have a HOA fee. The letter does not list the investment property at XXX. The loan file is missing documentation to verify the HOA fee for XXX or if there is no HOA fee. |  |  | XXX : Resolved. Received HOA for XXX annually | XXX: Resolved. Received HOA for XXX annually |
| IACALNUERQR | 2023010581 | Credit | Credit | Resolved | Resolved | IACALNUERQR-08D7I9DC | Asset Verification insufficient | \* Asset Verification insufficient (Lvl R) | Regions Bank Business Checking #XXX (pg X) shows the account owner as XXX . The loan file does not have documentation to verify the borrower is the owner of this business to allow the use of business funds. The borrower's landscaping business has been documented and verified. |  |  | XXX : Resolved. Received business documentation that the borrower is the owner of XXX | XXX: Resolved. Received business documentation that the borrower is the owner of XXX |
| IACALNUERQR | 2023010581 | Credit | Credit | Resolved | Resolved | IACALNUERQR-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | LOX for credit inquiries is missing from the loan file. A written explanation is required for all inquiries within XX-days of the date of the credit report. |  |  | XXX : Resolved. Received LOX for X/X being XXX and X-XX being the initial broker. others were XX+ days | XXX: Resolved. Received LOX for XXX being XXX and X-XX being the initial broker. others were XX+ days |
| IACALNUERQR | 2023010581 | Credit | Credit | Waived | Waived | IACALNUERQR-0BLBZVJN | Credit | \* Missing Documentation (Lvl W) | The loan file is missing a LOX regarding prior mortgage history for XXX #XXX . Clarification is needed if the loan was modified and/or how it was paid current. Credit reporting XXX and XXX . XXX X/XXX and Note date isXXX . If loan was modified, X year seasoning required. | PITI reserves of XXX Months is greater than the minimum X months required by XXX months<br> XXX FICO id greater than the minimum required XXX by XX points<br> Disposable income of XXX .XX is greater than the minimum of XXX by XXX .XX per month<br>|  | XXX : Remains. Received lender statement that loan was not modified but missing a LOX regarding prior mortgage history for XXX #XXX <br> XXX : Downgraded to EVX. Lender acknowledged: The payment history does not suggest that a modification was needed. If borrower had not remedied the<br> X-XX or X-XX the delinquency history would have increased to X XXX and X XXX respectively. The Bank statement program looks at the last XX months of mortgage / housing history. The requirement is to be XXX in last XX months - guides XX .X .X | XXX: Remains. Received lender statement that loan was not modified but missing a LOX regarding prior mortgage history for XXX #XXX<br> XXX: Downgraded to EVX. Lender acknowledged: The payment history does not suggest that a modification was needed. If borrower had not remedied the<br> X-XX or X-XX the delinquency history would have increased to X xXX and X xXX respectively. The Bank statement program looks at the last XX months of mortgage / housing history. The requirement is to be XXX in last XX months - guides XX .X .X |
| IACALNUERQR | 2023010581 | Credit | Credit Worthiness | Waived | Waived | IACALNUERQR-P6P8CVNF | Mortgage history for primary residence less than X | \* Mortgage history for primary residence less than XX months (Lvl W) | The borrower owns departing primary residence free and clear. | PITI reserves of XXX Months is greater than the minimum X months required by XXX months<br> XXX FICO id greater than the minimum required XXX by XX points<br> Disposable income of XXX .XX is greater than the minimum of XXX by XXX .XX per month |  | XXX Acknowledged Borrower current residence is owned free and clear. Compensating factors are present. | XXX Acknowledged Borrower current residence is owned free and clear. Compensating factors are present. |
| KYRAJLMK4XV | 2023010605 | Valuation | ValuationWaterfall | Resolved | Resolved | KYRAJLMK4XV-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl X) | The guidelines XXX Appraisal review process requires a secondary appraisal product to support the appraisal value of XXX with the loan amount is greater than XXX (loan amount is XXX). The FNMA UCDP is located on page XXX , however, the CU score of XXX exceeds the minimum allowed score of XXX. The appraised value supporting documentation is missing, the loan does not meet the minimum appraisal requirements. |  | Desk Review Information Provided |  | XXX Client Provided acceptable Desk Review XXX Variance |
| MTM4HRW51QQ | 2023010606 | Credit | Credit | Active | 2: Acceptable with Warnings | MTM4HRW51QQ-0BLBZVJN | Credit | \* Missing Documentation (Lvl X) | The appraisal (pg XXX) reflects the property is owner occupied. Exception made for the typographical error by the appraiser on the occupancy of the residence. It is an Investment property. Compensating factors given, LTV of XXX and reserves. | Mid Credit score of XXX vs XXX <br> LTV of XXX vs XXX <br> DSCR of XXX vs XXX |  |  |  |
| MTM4HRW51QQ | 2023010606 | Credit | Credit | Active | 2: Acceptable with Warnings | MTM4HRW51QQ-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl X) | The guidelines, section X, requires a lease with a XX month term. The appraiser indicated the property is rented for XXX monthly; however, does not provide the term of the lease. | XXX DSR score vs XXX<br> XXX credit =score vs XXX required. |  | XXX : Remains. Received partial lease from XXX , and an unsigned explanation that the individuals on the lease are the same tenants. the lease was dated in XXX with an end date that was not identified. Borrower has compensating factors to offset the partial lease with unspecified dates, a XXX DSR score vs XXX and XXX credit =score vs XXX required. | XXX: Remains. Received partial lease from XXX, and an unsigned explanation that the individuals on the lease are the same tenants. the lease was dated in XXX with an end date that was not identified. Borrower has compensating factors to offset the partial lease with unspecified dates, a X.XXX DSR score vs X.X and XXX credit =score vs XXX required. |
| WKN3YIS5JGK | 2023010582 | Valuation | ValuationWaterfall | Resolved | Resolved | WKN3YIS5JGK-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Per guidelines, section XXX, a secondary appraisal product is required if the FNMA Collateral Underwriter (CU) score is greater than XXX. The Collateral Underwriter Risk Score is XXX. The appraisal, page XXX , valued the subject property at XXX onXXX . The file did not include a secondary appraisal. | DSCR ratio of XXX exceeds the minimum requirement of XXX by XXX points.<br> XXX reserves exceed the minimum required of XXX exceeds the minimum by XX months over the required minimum.<br>| XX-XX-XXX Post Close Desk Review received supports origination value. | XX-XX-XXX Resolved | XXX Resolved |
| WKN3YIS5JGK | 2023010582 | Credit | Credit | Waived | Waived | WKN3YIS5JGK-VADECRA3 | Borrower(s) LTV Requirement (Fail) | \* Borrower(s) LTV Requirement (Fail) (Lvl W) | Per guidelines, the max LTV for a loan less than XXX is XXX . The LTV of XXX is calculated using the lessor of the purchase price of XXX and loan amount of XXX . | DSCR ratio of XXX exceeds the minimum requirement of XXX by XXX points.<br> XXX reserves exceed the minimum required of XXX exceeds the minimum by XX months over the required minimum. | The lender provided an approved exception. | XXX : Finding remains. Final graded EV X/B | X.XX.XXX: Finding remains. Final graded EV X/B |
| WKN3YIS5JGK | 2023010582 | Credit | Eligibility | Waived | Waived | WKN3YIS5JGK-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl W) | Per guidelines, the max LTV for a loan less than XXX is XXX . The LTV of XXX is calculated using the lessor of the purchase price of XXX and loan amount of XXX . | DSCR ratio of XXX exceeds the minimum requirement of XXX by XXX points.<br> XXX reserves exceed the minimum required of XXX exceeds the minimum by XX months over the required minimum. | The lender provided an approved exception. | XXX : Finding remains. Final graded EV X/B | X.XX.XXX: Finding remains. Final graded EV X/B |
| WKN3YIS5JGK | 2023010582 | Credit | Eligibility | Waived | Waived | WKN3YIS5JGK-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl W) | Per guidelines, the max LTV for a loan less than XXX is XXX . The LTV of XXX is calculated using the lessor of the purchase price of XXX and loan amount of XXX . | DSCR ratio of XXX exceeds the minimum requirement of XXX by XXX points.<br> XXX reserves exceed the minimum required of XXX exceeds the minimum by XX months over the required minimum. | The lender provided an approved exception. | XXX : Finding remains. Final graded EV X/B | X.XX.XXX: Finding remains. Final graded EV X/B |
| DLGJNEBILIH | 2023010604 | Valuation | ValuationWaterfall | Resolved | Resolved | DLGJNEBILIH-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The loan file is missing the secondary appraisal product. XXX Guidelines Section XXX state: The appraisal review process requires a secondary appraisal product to support the appraised value for the transaction. Acceptable review products include AVM's. enhanced desk reviews, file reviews, FNMA Collateral Underwriter (CU) with a score if equal to or less than XXX or FRE Loan Collateral with rep and warranty relief, and second full appraisals. The FNMA UCDP XXX is XXX so a secondary appraisal product is required. |  | XX-XX-XXX Post Close AVM returned a value and confidence score that supports the origination value. | XX-XX-XXX Resolved | XXX Resolved |
| GHIR22MK5PD | 2023010562 | Valuation | Doc Issue | Resolved | Resolved | GHIR22MK5PD-SWGGJEY3 | Missing flood cert | \* Missing flood cert (Lvl R) | flood cert missing from file |  |  | XXX : Resolved. Received flood cert | XXX: Resolved. Received flood cert |
| CNSR4AY3O2Z | 2023010584 | Valuation | ValuationWaterfall | Resolved | Resolved | CNSR4AY3O2Z-92YOUD3A | Appraised value not supported. Form Type/CU Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing Third Party Valuation Product to support the appraisal value with XXX variance. |  |  | XXX : Resolved. AVM in file. | XXX: Resolved. AVM in file. |
| CNSR4AY3O2Z | 2023010584 | Credit | Eligibility | Resolved | Resolved | CNSR4AY3O2Z-GBBTF6MZ | Qual Credit Score does not meet elig. requirements | \* Qualifying Credit Score does not meet eligibility requirement(s) (Lvl R) | The borrower's mid FiCO is XXX . Per the matrix, the borrower must have at least a XXX FICO to close at XXX LTV. | XXX .XX reserves exceed the minimum required of XXX .XX exceeds the minimum by XXX months over the required minimum.<br> XXX mortgage history for XX months. |  | Exception form in file allowing midscore. | Exception form in file allowing midscore. |
| CNSR4AY3O2Z | 2023010584 | Credit | Eligibility | Resolved | Resolved | CNSR4AY3O2Z-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl R) | It appears a lender exception was granted to allow the loan to close at XXX LTV. However, the Credit Risk Summary form does not state anything about an exception being approved nor is it signed by authorized personnel. | XXX .XX reserves exceed the minimum required of XXX .XX exceeds the minimum by XXX months over the required minimum.<br> XXX mortgage history for XX months. |  | XXX : Resolved. Received LOX for the LTC not being an exception. XXX LTV is permitted for credit scores XXX and above | XXX: Resolved. Received LOX for the LTC not being an exception. XXX LTV is permitted for credit scores XXX and above |
| CNSR4AY3O2Z | 2023010584 | Credit | Eligibility | Resolved | Resolved | CNSR4AY3O2Z-49N3UVYZ | Original CLTV does not meet elig. requirement(s) | \* Original CLTV does not meet eligibility requirement(s) (Lvl R) | It appears a lender exception was granted to allow the loan to close at XXX LTV. However, the Credit Risk Summary form does not state anything about an exception being approved nor is it signed by authorized personnel. | XXX .XX reserves exceed the minimum required of XXX .XX exceeds the minimum by XXX months over the required minimum.<br> XXX mortgage history for XX months. |  | XXX : Resolved. Received LOX for the LTC not being an exception. XXX LTV is permitted for credit scores XXX and above | XXX: Resolved. Received LOX for the LTC not being an exception. XXX LTV is permitted for credit scores XXX and above |
| DWDJLHTGHZP | 2023010591 | Credit | Guidelines | Resolved | Resolved | DWDJLHTGHZP-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl R) | Per the guidelines, section XXX.X, the subject property cannot be vacant for a cash out refinance transaction. Per the appraisal, page XXX , the subject property is vacant. The loan file did not contain a lease. | XXX Representative credit score exceeds the minimum required credit score of XXX by XX Points.<br> Borrower has owned subject investment property X years.<br> XXX mortgage history for XX months.<br>| Lender Responded: subject is AIR BnB as indicated by the appraisal - inspections could have only taken place when "guests: were not there. This is not a true vacancy - per appraisal no impact on marketability | XXX : Resolved: Subject is AIR BnB as indicated by the appraisal - inspections could have only taken place when "guests: were not there. This is not a true vacancy - per appraisal no impact on marketability. Addressed on page XX of appraisal. Property is furnished. | XXX: Resolved: Subject is AIR BnB as indicated by the appraisal - inspections could have only taken place when "guests: were not there. This is not a true vacancy - per appraisal no impact on marketability. Addressed on page XX of appraisal. Property is furnished. |

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## Exhibit 99.34

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.34**

**Valuation Report**

**Run Date - 1/5/2023**

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| **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL 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** | **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** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL 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** | **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** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** |
| **Recovco Loan ID** | **Loan #1** | **Pool** | **Collateral Underwriter Risk Score** | **Freddie Mac LCA Score** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Final Value Used by Lender** | **Appraised Value** | **Appraisal Form Type** | **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** | **Form Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Form Type** | **Company** | **Appraisal Date** | **Appraised Value** | **Appraisal Form Type** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence 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** | **Form Type** |
| BSNQUGFRSRJ | 2023010108 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| CS34YXMC0VB | 2023010109 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| XIAG3LXEAJ4 | 2023010110 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| ILEL4CXLBIV | 2023010105 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| OH2L5NDI0SG | 2023010106 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| FOPL2CXND3C | 2023010107 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | Automated Valuation Model [7] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| LBRP5B0OORW | 2023010103 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXX | $0.00 | 0.000% | XXX | Moderate | 12/15/2021 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | Desk Review [9] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| CU4HJHWSEA2 | 2023010104 |  | XXX | Not Applicable | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | XXX | $0.00 | 0.000% | XXX | Medium | 04/19/2022 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Not Applicable | Not Applicable | XXX | XXX | XXX | Desk Review [9] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Not Applicable | Not Applicable |
| 2TAOYPVM4ZP | 2023010567 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | Automated Valuation Model [7] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | $355323.00 | XXX | XXX | XXX | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| D1OTZIEU1ZP | 2023010565 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| S2N0NZWCM2I | 2023010566 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| O1SJBVV2MPH | 2023010594 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| CPXCOMSQVF1 | 2023010596 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| 3MZXQQRQBQ2 | 2023010595 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | Automated Valuation Model [7] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| EQXOFN2N1JL | 2023010597 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXX | XXX | $0.00 | 0.000% | XXX | Low | 11/22/2021 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | Desk Review [9] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| JML34ITFVXL | 2023010598 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | Automated Valuation Model [7] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| AELN0US0H0T | 2023010599 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | Desk Review [9] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXX | XXXX | XXX | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| KNWH0IS33SY | 2023010600 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| MHYTCPF4FIP | 2023010554 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |
| 3NYCMO3CAXL | 2023010555 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXX | $0.00 | 0.000% | XXX | Moderate | 01/03/2022 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | Desk Review [9] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| 23RB15J1MXM | 2023010556 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| HECGFNLDCOR | 2023010557 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| XNO2P3PNL1P | 2023010568 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| 0MGWWYVRVLE | 2023010569 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| TBENFIRCVQT | 2023010570 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| 0TPVTMCCIIF | 2023010571 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| VKCP2DLJRDA | 2023010572 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| SOCQU5MYFJW | 2023010558 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| A3GFJD5PZDT | 2023010559 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | URAR Form 1004, 70, 72, 1025, 1073, 465, 2090, 1004C, and 70B (Form 1075 retired 11/1/2005) [3] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| M1WMDEES4MU | 2023010573 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| RHYN025BU2C | 2023010574 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | Desk Review [9] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXX | XXXX | XXX | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| 4JGU5VEOFIP | 2023010575 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| ZOAMMKSFYU4 | 2023010601 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| 1UQGLLSG1L0 | 2023010576 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| PEEWNSSH2VJ | 2023010577 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| ULPUA1EVPJA | 2023010602 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | Automated Valuation Model [7] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| 53HUPZFYTZS | 2023010578 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| WXXN2YMB4YL | 2023010579 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | Automated Valuation Model [7] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| PMKB0TOPLVF | 2023010560 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| PWJAFT31E2S | 2023010603 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| UDDSWPEUSCV | 2023010580 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| IACALNUERQR | 2023010581 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| KYRAJLMK4XV | 2023010605 |  | XXX | Not Applicable | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | XXX | XXXX | XXX | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Not Applicable | Not Applicable |
| MTM4HRW51QQ | 2023010606 |  | XXX | Not Applicable | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Not Applicable | Not Applicable |
| UCPLVQ4NSWB | 2023010561 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| WKN3YIS5JGK | 2023010582 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | Desk Review [9] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXX | XXXX | XXX | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| DLGJNEBILIH | 2023010604 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | Automated Valuation Model [7] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | $534775.00 | XXX | XXX | XXX | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| 3A42W43JGHP | 2023010583 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| GHIR22MK5PD | 2023010562 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| CNSR4AY3O2Z | 2023010584 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | Automated Valuation Model [7] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| S52TB5OXMWP | 2023010563 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| FU4SDEEOITV | 2023010585 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| ESYSWUMVEAJ | 2023010586 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| 4VFIYFXKEJJ | 2023010587 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| AY1M0VFRWI0 | 2023010588 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| MEPK5ZMGJUN | 2023010589 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| JQOX03XTV5N | 2023010590 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| DWDJLHTGHZP | 2023010591 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| VDHUA340TVK | 2023010592 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | XXX | XXX | XXX | XXX | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | XXX | XXX | XXX | Automated Valuation Model [7] | XXX | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| MKNABSHUB2O | 2023010593 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |
| 0LKFLJB5KYE | 2023010564 |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  |  |  |  |  |

---

## Exhibit 99.35

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.35**

**Data Comparison**

**Run Date - 1/5/2023** 

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan #1** | **Field** | **Loan Value** | **Tape Value** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| BSNQUGFRSRJ | 2023010108 | Original Stated Rate | XXX | XXX | XXX | Per note, rate is X.XXX. | Initial |  |
| CS34YXMC0VB | 2023010109 | Original Stated Rate | XXX | XXX | XXX | According to the Note terms, the rate is XXX.&#xXD; | Initial |  |
| XIAG3LXEAJ4 | 2023010110 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| FOPL2CXND3C | 2023010107 | Original Stated Rate | XXX | XXX | XXX | The original stated rate per the Note in the loan file is XXX. | Initial |  |
| LBRP5B0OORW | 2023010103 | Borrower DTI Ratio Percent | XXX | XXX | XXX | Originator DTI XXX. Originator Calculated income XXX.XX. Auditor recalculated excluded deposits not business related. Auditor income XXX.XX. Borrower Ownership percentage XXX; XX months Business Bank Statements; Using of XXX Expenses; $X,XXX=$X,XXX=$X,XXX.XX/XX=XXX.XX | Initial |  |
| CU4HJHWSEA2 | 2023010104 | Original Stated Rate | XXX | XXX | XXX | The original stated rate is XXX per the note found on page XX. | Initial |  |
| 2TAOYPVM4ZP | 2023010567 | Original Stated Rate | XXX | XXX | XXX | Original stated rate listed on Note is X.XXX. | Initial |  |
| D1OTZIEU1ZP | 2023010565 | Original Stated Rate | XXX | XXX | XXX | The Note reflects a rate of XXX. | Initial |  |
| S2N0NZWCM2I | 2023010566 | Original Stated Rate | XXX | XXX | XXX | Note on page XX shows rate at XXX. | Initial |  |
| O1SJBVV2MPH | 2023010594 | Borrower DTI Ratio Percent | XXX | XXX | XXX | Used the income documents in the file. | Initial |  |
| O1SJBVV2MPH | 2023010594 | Original Stated Rate | XXX | XXX | XXX | Per Note rate is XXX | Initial |  |
| CPXCOMSQVF1 | 2023010596 | Borrower DTI Ratio Percent | XXX | XXX | XXX | Audit housing ratio using origination income is XXX and audit DTI is XXX | Initial |  |
| CPXCOMSQVF1 | 2023010596 | Borrower Last Name | XXX | XXX | XXX | No issue. | Initial |  |
| CPXCOMSQVF1 | 2023010596 | Original Stated Rate | XXX | XXX | XXX | The Note reflects the Original Stated Rate is XXX. | Initial |  |
| CPXCOMSQVF1 | 2023010596 | Representative Score | XXX | XXX | XXX | The credit report reflects the representative score as XXX. | Initial |  |
| 3MZXQQRQBQ2 | 2023010595 | Borrower DTI Ratio Percent | XXX | XXX | XXX | Audit income is different resulting in a housing ratio of .XXX and DTI of XXX. | Initial |  |
| 3MZXQQRQBQ2 | 2023010595 | Original Stated Rate | XXX | XXX | XXX | Note rate is X.XXX | Initial |  |
| EQXOFN2N1JL | 2023010597 | Borrower DTI Ratio Percent | XXX | XXX | XXX | Audit income is higher resulting in a housing ratio of XXX and DTI of XXX | Initial |  |
| EQXOFN2N1JL | 2023010597 | Borrower Last Name | XXX | XXX | XXX | Name is as listed on the Note. | Initial |  |
| EQXOFN2N1JL | 2023010597 | Original Stated Rate | XXX | XXX | XXX | Per the Note, the Original Stated Rate is XXX. | Initial |  |
| EQXOFN2N1JL | 2023010597 | Representative Score | XXX | XXX | XXX | The origination qualifying score is XXX | Initial |  |
| JML34ITFVXL | 2023010598 | Borrower DTI Ratio Percent | XXX | XXX | XXX | Audit income was slightly higher resulting in a housing ratio of XXX and DTI of XXX | Initial |  |
| JML34ITFVXL | 2023010598 | Original Stated Rate | XXX | XXX | XXX | Per the Note, the Original Stated Rate is XXX. | Initial |  |
| JML34ITFVXL | 2023010598 | Representative Score | XXX | XXX | XXX | The credit report reflects the middle qualifying score as XXX | Initial |  |
| JML34ITFVXL | 2023010598 | Subject Property Type | XXX | XXX | XXX | Per the appraisal, the subject property is a Single Family | Initial |  |
| AELN0US0H0T | 2023010599 | Borrower DTI Ratio Percent | XXX | XXX | XXX | Audit income was slightly higher resulting in a housing ratio of XXX and DTI of XXX | Initial |  |
| AELN0US0H0T | 2023010599 | Original Stated Rate | XXX | XXX | XXX | The Note rate is XXX | Initial |  |
| AELN0US0H0T | 2023010599 | Subject Property Type | XXX | XXX | XXX | The subject is a single family | Initial |  |
| KNWH0IS33SY | 2023010600 | Borrower DTI Ratio Percent | XXX | XXX | XXX | Audit income is slightly higher resulting in a housing ratio of XXX and DTI of XXX. | Initial |  |
| MHYTCPF4FIP | 2023010554 | Borrower DTI Ratio Percent | XXX | XXX | XXX | No issue | Initial |  |
| MHYTCPF4FIP | 2023010554 | Original Stated Rate | XXX | XXX | XXX | The original stated rate per the loan file is XXX. | Initial |  |
| 3NYCMO3CAXL | 2023010555 | Borrower DTI Ratio Percent | XXX | XXX | XXX | No issue. | Initial |  |
| 23RB15J1MXM | 2023010556 | Borrower DTI Ratio Percent | XXX | XXX | XXX | No issue | Initial |  |
| 23RB15J1MXM | 2023010556 | Original Stated Rate | XXX | XXX | XXX | The Note reflects original stated rate as XXX. | Initial |  |
| 23RB15J1MXM | 2023010556 | Subject Property Type | XXX | XXX | XXX | The appraisal reflects subject property as High Rise Condo. | Initial |  |
| HECGFNLDCOR | 2023010557 | Borrower DTI Ratio Percent | XXX | XXX | XXX | No issue | Initial |  |
| HECGFNLDCOR | 2023010557 | Original Stated Rate | XXX | XXX | XXX | The Note reflects original stated rate as X.XXX. | Initial |  |
| XNO2P3PNL1P | 2023010568 | Borrower DTI Ratio Percent | XXX | XXX | XXX | DTI XXX. Difference of XXX is due to lower income calculation. DTI is within guideline requirement of XXX | Initial |  |
| XNO2P3PNL1P | 2023010568 | Original Stated Rate | XXX | XXX | XXX | Original Stated Rate is X.XXX, based on the Note. | Initial |  |
| 0MGWWYVRVLE | 2023010569 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| TBENFIRCVQT | 2023010570 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| 0TPVTMCCIIF | 2023010571 | Borrower DTI Ratio Percent | XXX | XXX | XXX | No issue - XXX variance. | Initial |  |
| 0TPVTMCCIIF | 2023010571 | Original Stated Rate | XXX | XXX | XXX | Stated Rate XXX per Note. | Initial |  |
| VKCP2DLJRDA | 2023010572 | Borrower DTI Ratio Percent | XXX | XXX | XXX | Rounding. No issue. | Initial |  |
| VKCP2DLJRDA | 2023010572 | Original Stated Rate | XXX | XXX | XXX | Original Stated Rate is X.XXX, based on the Note. | Initial |  |
| SOCQU5MYFJW | 2023010558 | Borrower DTI Ratio Percent | XXX | XXX | XXX | Originator DTI XXX. Originator calculated income is XXX.XX. Audit recalculated income using XX months Business Bank Statements and excluded deposits not business related. Using XXX Expense factor XXX = XXX.XX/XX=XXX.XX. Audit Qualifying using lesser income of XXX.XX as it is lower. Audit DTI XXX. No issues. | Initial |  |
| SOCQU5MYFJW | 2023010558 | Original Stated Rate | XXX | XXX | XXX | The Note states that the rate is XXX | Initial |  |
| A3GFJD5PZDT | 2023010559 | Borrower DTI Ratio Percent | XXX | XXX | XXX | No issue | Initial |  |
| A3GFJD5PZDT | 2023010559 | Original Stated Rate | XXX | XXX | XXX | Per Note, the original stated rate is XXX. | Initial |  |
| M1WMDEES4MU | 2023010573 | Borrower Last Name | XXX | XXX | XXX |  | Initial |  |
| M1WMDEES4MU | 2023010573 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| RHYN025BU2C | 2023010574 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| 4JGU5VEOFIP | 2023010575 | Original Stated Rate | XXX | XXX | XXX | According to the Note terms, the original stated rate is XXX. | Initial |  |
| ZOAMMKSFYU4 | 2023010601 | Borrower DTI Ratio Percent | XXX | XXX | XXX | Income docs in file verify the audit income used. | Initial |  |
| ZOAMMKSFYU4 | 2023010601 | Lender Doc Type - Custom #1 | XXX | XXX | XXX |  | Initial |  |
| ZOAMMKSFYU4 | 2023010601 | Representative Score | XXX | XXX | XXX | The updated credit report confirms this. | Initial |  |
| 1UQGLLSG1L0 | 2023010576 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| PEEWNSSH2VJ | 2023010577 | Borrower DTI Ratio Percent | XXX | XXX | XXX | Within tolerance. | Initial |  |
| PEEWNSSH2VJ | 2023010577 | Original Stated Rate | XXX | XXX | XXX | Stated Rate XXX per Note. | Initial |  |
| ULPUA1EVPJA | 2023010602 | Borrower DTI Ratio Percent | XXX | XXX | XXX | Income docs in file verify the audit income used. | Initial |  |
| ULPUA1EVPJA | 2023010602 | Original Stated Rate | XXX | XXX | XXX | According to the Note, the rate is XXX. | Initial |  |
| 53HUPZFYTZS | 2023010578 | Borrower Last Name | XXX | XXX | XXX |  | Initial |  |
| 53HUPZFYTZS | 2023010578 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| 53HUPZFYTZS | 2023010578 | Subject Property Type | XXX | XXX | XXX | Per the Appraisal, the subject property has XX stories. | Initial |  |
| WXXN2YMB4YL | 2023010579 | Borrower DTI Ratio Percent | XXX | XXX | XXX | DTI XXX. Difference of XXX is due to lower income and higher monthly debt. | Initial |  |
| WXXN2YMB4YL | 2023010579 | Original Stated Rate | XXX | XXX | XXX | According to the Note terms, the original stated rate is XXX. | Initial |  |
| PMKB0TOPLVF | 2023010560 | Borrower DTI Ratio Percent | XXX | XXX | XXX | Borrower is a XXX commission employee, income and employment were verified with letter of employment and wX documentation on file. Audit used lowest value with commission income only minus a XXX expense reported on the CPA letter. The income is lower than origination income, this has negatively affected the DTI. Max DTI for product is XXX. File is missing documentation for alternative investment properties including mortgage statement and lease agreement if not provided DTI is XX.XXX if documentation is provided the DTI for the file is XX.XXX. | Initial |  |
| PMKB0TOPLVF | 2023010560 | Original Stated Rate | XXX | XXX | XXX | Rate per note is X.XXX | Initial |  |
| PMKB0TOPLVF | 2023010560 | Subject Property Type | XXX | XXX | XXX | Property is a High rise condo per Appraisal | Initial |  |
| PWJAFT31E2S | 2023010603 | Borrower DTI Ratio Percent | XXX | XXX | XXX | Income docs in file verify the audit income used. | Initial |  |
| PWJAFT31E2S | 2023010603 | Original Stated Rate | XXX | XXX | XXX | Rate listed on the Note shows XXX | Initial |  |
| UDDSWPEUSCV | 2023010580 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| IACALNUERQR | 2023010581 | Borrower DTI Ratio Percent | XXX | XXX | XXX | DTI XXX. Difference of XXX is due to rental property calculations. | Initial |  |
| IACALNUERQR | 2023010581 | Original Stated Rate | XXX | XXX | XXX | Per XXX, the loan was approved via manual underwriting. | Initial |  |
| KYRAJLMK4XV | 2023010605 | Original Stated Rate | XXX | XXX | XXX | Original stated rate is X.XXX per the Note. | Initial |  |
| MTM4HRW51QQ | 2023010606 | Borrower Last Name | XXX | XXX | XXX |  | Initial |  |
| MTM4HRW51QQ | 2023010606 | Original Stated Rate | XXX | XXX | XXX | The note on page XX shows the rate to be X.XXX. | Initial |  |
| UCPLVQ4NSWB | 2023010561 | Original Stated Rate | XXX | XXX | XXX | The Note reflects XXX as the rate | Initial |  |
| UCPLVQ4NSWB | 2023010561 | Representative Score | XXX | XXX | XXX | Verified on the credit report, borrower's median credit score is XXX. | Initial |  |
| WKN3YIS5JGK | 2023010582 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| DLGJNEBILIH | 2023010604 | Borrower DTI Ratio Percent | XXX | XXX | XXX | The loan was approved as Asset Qualifier so no income was used to qualify. | Initial |  |
| DLGJNEBILIH | 2023010604 | Original Stated Rate | XXX | XXX | XXX | The Note shows X.XXX | Initial |  |
| 3A42W43JGHP | 2023010583 | Borrower DTI Ratio Percent | XXX | XXX | XXX | No issue | Initial |  |
| 3A42W43JGHP | 2023010583 | Original Stated Rate | XXX | XXX | XXX | The rate listed on the Note shows XXX | Initial |  |
| GHIR22MK5PD | 2023010562 | Borrower DTI Ratio Percent | XXX | XXX | XXX | no issue | Initial |  |
| GHIR22MK5PD | 2023010562 | Lender Doc Type - Custom #1 | XXX | XXX | XXX |  | Initial |  |
| GHIR22MK5PD | 2023010562 | Original Stated Rate | XXX | XXX | XXX |  | Initial |  |
| CNSR4AY3O2Z | 2023010584 | Borrower DTI Ratio Percent | XXX | XXX | XXX | within XXX variance | Initial |  |
| CNSR4AY3O2Z | 2023010584 | Original Stated Rate | XXX | XXX | XXX | The rate listed on the Note shows XXX | Initial |  |
| S52TB5OXMWP | 2023010563 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| FU4SDEEOITV | 2023010585 | Borrower DTI Ratio Percent | XXX | XXX | XXX | no issue | Initial |  |
| FU4SDEEOITV | 2023010585 | Original Stated Rate | XXX | XXX | XXX | The Note states the rate is XXX | Initial |  |
| ESYSWUMVEAJ | 2023010586 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| 4VFIYFXKEJJ | 2023010587 | Borrower Last Name | XXX | XXX | XXX | The borrower's full name is XXX | Initial |  |
| 4VFIYFXKEJJ | 2023010587 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| AY1M0VFRWI0 | 2023010588 | Borrower DTI Ratio Percent | XXX | XXX | XXX | no issue | Initial |  |
| AY1M0VFRWI0 | 2023010588 | Original Stated Rate | XXX | XXX | XXX | The rate listed on the Note shows XXX | Initial |  |
| MEPK5ZMGJUN | 2023010589 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| JQOX03XTV5N | 2023010590 | Borrower DTI Ratio Percent | XXX | XXX | XXX | no issue | Initial |  |
| JQOX03XTV5N | 2023010590 | Original Stated Rate | XXX | XXX | XXX | Original Stated Rate is X.XXX, based on the Note. | Initial |  |
| JQOX03XTV5N | 2023010590 | Representative Score | XXX | XXX | XXX | per CBR | Initial |  |
| DWDJLHTGHZP | 2023010591 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| VDHUA340TVK | 2023010592 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| MKNABSHUB2O | 2023010593 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |
| 0LKFLJB5KYE | 2023010564 | Original Stated Rate | XXX | XXX | XXX | Per the Note. | Initial |  |

---

## Exhibit 99.36

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.36**

![](ex9936-002.jpg)

![](ex9936-001.jpg)

Canopy Financial Technology Partners LLC

info@canopytpr.com \| 720-371-8517 \| www.canopytpr.com

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

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex9936-002.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 Angel Oak Real Estate Investment Trust III (the "Client") or its affiliated company. The Review was conducted from October 2021 to February 2022 via files imaged and provided by the Client for review.

The Review consisted of a population of Forty-six (46) Loans with an aggregate principal balance of $29,838,450.00

**Loan Sampling**

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

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

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** |  |
| &nbsp;&nbsp;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% |

---

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex9936-002.jpg)

---

| | |
|:---|:---|
| &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 |

---

**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.

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex9936-002.jpg)

**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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subject property ownership history

· OFAC.

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex9936-002.jpg)

**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);

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex9936-002.jpg)

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex9936-002.jpg)

proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

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

**Compliance Review**

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

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

(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")

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex9936-002.jpg)

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

**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

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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).

&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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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· 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.

· 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.

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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.

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.

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· 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.

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

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

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> **Non-Agency Eligible** | &nbsp;&nbsp; <br> **Non-Agency Eligible** | &nbsp;&nbsp; <br> **Non-Agency Eligible** | &nbsp;&nbsp; <br> **Non-Agency Eligible** |
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files < -10% of OA value OR Confidence <= 80%** | &nbsp;&nbsp;**# of Files => -10% of OA value** |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |

---

· Of the 46 Non-Agency Eligible loans reviewed:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 46 Loan Files were noted with a Desk Review supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 2 Loan Files were noted with a Second Full Appraisal and a Desk Review supporting the original appraised value within a 10% variance.

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

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| | |
|:---|:---|
| &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. |

---

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&nbsp;&nbsp;**Credit Event Grades**

---

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

---

---

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

---

---

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

---

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**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 17.39% (8 loans) have an overall grade of "B" and 82.61% (38 loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 15.22%, or seven (7) mortgage loan reviewed, and 84.78% (39 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 2.17%, or one (1) mortgage loan reviewed, and 97.83% (45 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% (46 loans) have a Property/Valuation grade of "A".

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;38 | &nbsp;&nbsp;82.61% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;17.39% |
| &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;**46** | &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;39 | &nbsp;&nbsp;84.78% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;15.22% |
| &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;**46** | &nbsp;&nbsp;**100.00%** |

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| | | |
|:---|:---|:---|
| &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;46 | &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;**46** | &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;45 | &nbsp;&nbsp;97.83% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.17% |
| &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;**46** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;46 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$29838450.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**46** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29838450.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;46 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$29838450.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**46** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29838450.00** |
| &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;3 | &nbsp;&nbsp;6.52% | &nbsp;&nbsp;$3110000.00 |

---

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex9936-002.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;8 | &nbsp;&nbsp;17.39% | &nbsp;&nbsp;$7948000.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;21 | &nbsp;&nbsp;45.65% | &nbsp;&nbsp;$11871250.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;8 | &nbsp;&nbsp;17.39% | &nbsp;&nbsp;$4333700.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;6 | &nbsp;&nbsp;13.04% | &nbsp;&nbsp;$2575500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**46** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29838450.00** |
| &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;46 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$29838450.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**46** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29838450.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;36 | &nbsp;&nbsp;78.26% | &nbsp;&nbsp;$22276700.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.17% | &nbsp;&nbsp;$375000.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;9 | &nbsp;&nbsp;19.57% | &nbsp;&nbsp;$7186750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**46** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29838450.00** |

---

**DATA COMPARISON RESULTS**

Of the Forty-six (46) mortgage Loan Files reviewed, thirteen (13) unique loans (28.26% by number) had sixteen (16) tape comparison discrepancies across twenty-six (26) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag (when applicable) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;46 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Business Purpose Flag (when applicable) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |

---

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex9936-002.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;DSCR (when applicable) | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;46 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;46 | &nbsp;&nbsp; 4.35% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;46 | &nbsp;&nbsp;15.22% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;46 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;46 | &nbsp;&nbsp;4.35% |
| &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;2 | &nbsp;&nbsp;46 | &nbsp;&nbsp;4.35% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% |

---

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex9936-002.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 \| www.canopytpr.com \|©2021 Proprietary and Confidential

## Exhibit 99.37

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.37**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2023010667 |  |  | XXX B A |
| 2023010666 |  |  | XXX A |
| 2023010660 |  |  | XXX A |
| 2023010668 |  |  | XXX A |
| 2023010659 |  |  | XXX A |
| 2023010658 |  |  | XXX A C |
| 2023010663 |  |  | XXX A |
| 2023010662 |  |  | XXX A |
| 2023010661 |  |  | XXX C A B |
| 2023010664 |  |  | XXX B A D |
| 2023010665 |  |  | XXX A |
| 2023010675 |  |  | XXX C A B |
| 2023010674 |  |  | XXX A |
| 2023010677 |  |  | XXX A C |
| 2023010678 |  |  | XXX A |
| 2023010680 |  |  | XXX A |
| 2023010676 |  |  | XXX A |
| 2023010679 |  |  | XXX A |
| 2023010684 |  |  | XXX C A B |
| 2023010685 |  |  | XXX B A |
| 2023010681 |  |  | XXX D A |
| 2023010682 |  |  | XXX A |
| 2023010683 |  |  | XXX A |
| 2023010672 |  |  | XXX A |
| 2023010669 |  |  | XXX A C |
| 2023010670 |  |  | XXX C A B |
| 2023010671 |  |  | XXX A |
| 2023010687 |  |  | XXX A |
| 2023010686 |  |  | XXX A |
| 2023010644 |  |  | XXX A C |
| 2023010646 |  |  | XXX A |
| 2023010642 |  |  | XXX C A |
| 2023010652 |  |  | XXX A |
| 2023010650 |  |  | XXX A |
| 2023010643 |  |  | XXX A C B |
| 2023010651 |  |  | XXX A |
| 2023010656 |  |  | XXX A |
| 2023010673 |  |  | XXX A |
| 2023010645 |  |  | XXX A C |
| 2023010649 |  |  | XXX A |
| 2023010647 |  |  | XXX D A |
| 2023010648 |  |  | XXX B D A |
| 2023010655 |  |  | XXX D A |
| 2023010654 |  |  | XXX A |
| 2023010657 |  |  | XXX A |
| 2023010653 |  |  | XXX A |

---

## Exhibit 99.38

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.38**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 2023010667 |  | C B A | Closed | FCOM4765 | XXX | XXX | Resolved | 1 - Information C A | Compliance | TILA | CD: Liability After Foreclosure Not Complete | Resolved-CD: Liability After Foreclosure Complete - Due Diligence Vendor-XX/XX/XXX <br>Open-CD: Liability After Foreclosure Not Complete - Due Diligence Vendor-XX/XX/XXX |  | Resolved-CD: Liability After Foreclosure Complete - Due Diligence Vendor-XX/XX/XXX<br>| Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 2023010667 |  | C B A | Closed | FCOM2660 | XXX | XXX | Resolved | 1 - Information C A | Compliance | TILA | CD: Refinance Statement Not Present | Resolved-CD: Refinance Statement Present - Due Diligence Vendor-XX/XX/XXX <br>Resolved-CD: Refinance Statement Present - Due Diligence Vendor-XX/XX/XXX <br>Resolved-CD: Refinance Statement Present - Due Diligence Vendor-XX/XX/XXX <br>Open-CD: Refinance Statement Not Present - Due Diligence Vendor-XX/XX/XXX |  | Resolved-CD: Refinance Statement Present - Due Diligence Vendor-XX/XX/XXX <br>Resolved-CD: Refinance Statement Present - Due Diligence Vendor-XX/XX/XXX <br>Resolved-CD: Refinance Statement Present - Due Diligence Vendor-XX/XX/XXX<br>| Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 2023010667 |  | C B A | Closed | FCOM2340 | XXX | XXX | Resolved | 1 - Information C A | Compliance | TILA | CD: General Form Requirements Not Met | Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXX <br>Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXX <br>Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXX <br>Open-CD: General Form Requirements Not Met - Due Diligence Vendor-XX/XX/XXX |  | Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXX <br>Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXX <br>Resolved-CD: General Form Requirements Met - Due Diligence Vendor-XX/XX/XXX<br>| Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 2023010667 |  | C B A | Closed | FCRE1440 | XXX | XXX | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Acknowledged-Housing History Does Not Meet Guideline Requirements Client provided guideline exception allowing for housing history not meeting guidelines. - Due Diligence Vendor-XX/XX/XXX <br>Acknowledged-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-XX/XX/XXX |  | Acknowledged-Housing History Does Not Meet Guideline Requirements Client provided guideline exception allowing for housing history not meeting guidelines. - Due Diligence Vendor-XX/XX/XXX <br>Acknowledged-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-XX/XX/XXX<br>| Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points | EXPERIENCED INVESTOR / FICO IS XXX |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 2023010666 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010660 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 2023010668 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 2023010659 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 2023010658 |  | C A | Closed | finding-3732 | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-This loan failed the TRID total of payments test. (XX CFR §XXX.XX(o)(X))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-when loan amount changes, there is a coc done that also effects brokers compensation when it is based on a percentage of the loan amount. - Seller-XX/XX/XXX <br>Counter-Received confirmation that Saturdays are not considered business days, received COC, and PCCD. However this still has not resolved the condition. It appears that CE is still failing due to Total of Payments amount appears to be the same on Final CD and PCCD. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Please see uploaded file for the comment - Seller-XX/XX/XXX <br>Counter-The $XXX is from the Originator Compensation increase from $XXX to $XXX on X/XX/XXX. Received confirmation that XXX is considered a business day. COC event is X/XX/XXX and revised LE was issued X/XX/XXX. The third business day from X/XX/XXX is X/XX/XXX which includes Saturday X/XX/XXX. Compliance Ease is not accepting the COC due to the LE being issued after X business days. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. this figure is calculated correctly, check all fees and we have what is apr marked. uploaded post closing cd issued. - Seller-XX/XX/XXX <br>Open-This loan failed the TRID total of payments test. (XX CFR §XXX.XX(o)(X))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. Lenders total payments calculations appear to include a $XXX lender credit that was not shown on the final cd. Please see lenders CE report pg.XXX - Due Diligence Vendor-XX/XX/XXX | Ready for Review-when loan amount changes, there is a coc done that also effects brokers compensation when it is based on a percentage of the loan amount. - Seller-XX/XX/XXX <br>Ready for Review-Document Uploaded. Please see uploaded file for the comment - Seller-XX/XX/XXX <br>Ready for Review-Document Uploaded. this figure is calculated correctly, check all fees and we have what is apr marked. uploaded post closing cd issued. - Seller-XX/XX/XXX<br>| Resolved-This loan failed the TRID total of payments test. (XX CFR §XXX.XX(o)(X))The total of payments is $XXX,XXX.XX. The disclosed total of payments of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXX<br>| Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Credit Line Usage Ratio equals X.XXX<br>Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points |  | BinderX.pdf<br>RE_ XXX XX - Post Closing Condition.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010658 |  | C A | Closed | finding-3529 | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved-This loan failed the revised loan estimate delivery date and changed circumstances date test. (XX CFR §XXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXX , and XX CFR §XXX.XX(e)(X)(i))The revised loan estimate delivery date is either: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 receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.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 §XXX.X(a)(X) and as it relates to §XXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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 a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. \*\*\*Received COC XX/XX/XXX - Due Diligence Vendor-XX/XX/XXX <br>Resolved-This loan failed the revised loan estimate delivery date and changed circumstances date test. (XX CFR §XXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXX , and XX CFR §XXX.XX(e)(X)(i))The revised loan estimate delivery date is either: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 receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.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 §XXX.X(a)(X) and as it relates to §XXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on XXX 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 a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. coc dated X-XX - Seller-XX/XX/XXX <br>Counter-Received confirmation that XXX is considered a business day. COC event is X/XX/XXX and revised LE issued X/XX/XXX, this more than X business days from the COC event date. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-we count Saturday as a business day and can be counted - Seller-XX/XX/XXX <br>Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. (XX CFR §XXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXX , and XX CFR §XXX.XX(e)(X)(i))The revised loan estimate delivery date is either: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 receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.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 §XXX.X(a)(X) and as it relates to §XXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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 a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. COC document dated X/XX/XX shows COC event of X/XX, more than X business days from event to disclosure. Lender to confirm if Saturday X/XX is a business day - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. coc dated X-XX - Seller-XX/XX/XXX <br>Ready for Review-we count Saturday as a business day and can be counted - Seller-XX/XX/XXX<br>| Resolved-This loan failed the revised loan estimate delivery date and changed circumstances date test. (XX CFR §XXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXX , and XX CFR §XXX.XX(e)(X)(i))The revised loan estimate delivery date is either: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 receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.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 §XXX.X(a)(X) and as it relates to §XXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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 a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. \*\*\*Received COC XX/XX/XXX - Due Diligence Vendor-XX/XX/XXX <br>Resolved-This loan failed the revised loan estimate delivery date and changed circumstances date test. (XX CFR §XXX.XX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXX , and XX CFR §XXX.XX(e)(X)(i))The revised loan estimate delivery date is either: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 receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.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 §XXX.X(a)(X) and as it relates to §XXX.XX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE 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 a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XX% tolerance categories under §XXX.XX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXX.XX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX.XX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXX.XX(e)(X)(iv)(D). The revised version of the disclosures required under §XXX.XX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX.XX(f)(X), lender credits, and any other interest rate dependent charges and terms. - Due Diligence Vendor-XX/XX/XXX<br>| Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Credit Line Usage Ratio equals X.XXX<br>Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points |  | CHANGE OF CIRCUMSTANCE (X).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010658 |  | C A | Closed | finding-3631 | XXX | XXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXX <br>Counter-The $XXX is from the Originator Compensation increase from $XXX to $XXX on X/XX/XXX. Received confirmation that XXX is considered a business day. COC event is X/XX/XXX and revised LE was issued X/XX/XXX. The third business day from X/XX/XXX is X/XX/XXX which includes Saturday X/XX/XXX. Compliance Ease is not accepting the COC due to the LE being issued after X business days. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-WHAT FEE IS THIS FOR? - Seller-XX/XX/XXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXX | Ready for Review-WHAT FEE IS THIS FOR? - Seller-XX/XX/XXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXX<br>| Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Credit Line Usage Ratio equals X.XXX<br>Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010658 |  | C A | Closed | finding-3632 | XXX | XXX | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXX <br>Counter-The $XXX is from the Originator Compensation increase from $XXX to $XXX on X/XX/XXX. Received confirmation that XXX is considered a business day. COC event is X/XX/XXX and revised LE was issued X/XX/XXX. The third business day from X/XX/XXX is X/XX/XXX which includes Saturday X/XX/XXX. Compliance Ease is not accepting the COC due to the LE being issued after X business days. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-NOT SURE HOW I AM TO CLEAR THIS CONDITION. - Seller-XX/XX/XXX <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. COC document dated X/XX/XX shows COC event of X/XX, more than X business days from event to disclosure. Lender to confirm if Saturday X/XX is a business day - Due Diligence Vendor-XX/XX/XXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXX | Ready for Review-NOT SURE HOW I AM TO CLEAR THIS CONDITION. - Seller-XX/XX/XXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXX<br>| Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Credit Line Usage Ratio equals X.XXX<br>Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010658 |  | C A | Closed | finding-3634 | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXX <br>Counter-The $XXX is from the Originator Compensation increase from $XXX to $XXX on X/XX/XXX. Received confirmation that Saturday is considered a business day. COC event is X/XX/XXX and revised LE was issued X/XX/XXX. The third business day from X/XX/XXX is X/XX/XXX which includes Saturday X/XX/XXX. Compliance Ease is not accepting the COC due to the LE being issued after X business days. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review- DO NOT SEE WHAT THIS XXX.XX CURE OR TOLERANCE IS FOR, WHAT FEE ARE YOU SPECIFICALLY TALKING ABOUT? - Seller-XX/XX/XXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). COC document dated X/XX/XX shows COC event of X/XX, more than X business days from event to disclosure. Lender to confirm if Saturday X/XX is a business day - Due Diligence Vendor-XX/XX/XXX | Ready for Review- DO NOT SEE WHAT THIS XXX.XX CURE OR TOLERANCE IS FOR, WHAT FEE ARE YOU SPECIFICALLY TALKING ABOUT? - Seller-XX/XX/XXX<br>| Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXX<br>| Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Credit Line Usage Ratio equals X.XXX<br>Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010663 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 2023010662 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010661 |  | C B A | Closed | FCRE8611 | XXX | XXX | Acknowledged | 2 - Non-Material C B | Credit | Income | Income/Employment General | Acknowledged-Investor Exception in file for variance to guidelines. Reviewed under XXX-XXX program, however borrower is a U.S. citizen. All business operations are overseas and thus full independent validation of income could not be obtained. Translated P&L statements used in lieu of tax returns under Guideline Variance granted. - Due Diligence Vendor-XX/XX/XXX <br> Ready for Review-THE P & l STATEMENTS FOR XXX,XXX,XXX ARE IN US DOLLARS. EVERYTHING WAS CONVERTED TO AMERICAN STANDARS BOTH LANGUAGE AND CURRENCY SYSTEM AND VERIFIED WITH UW OF xxxx. - Seller-XX/XX/XXX <br> Open-PROFIT AND LOSSS INCOME FOR YEARS XXX AND XXX WAS USED. BUSINESS IS IN VIETNAM AND AUDIT WAS ALSO COMPLETED IN xxxx. AMOUNT SHOWN APPERAS TO,BE US DOLLARS BASED ON SYMBOL USED (S) PLEASE CONFIRM THAT BALANCE FOR BOTH YEARS IS IN US DOLLARS AND NOT xxxx. - Due Diligence Vendor-XX/XX/XXX | Ready for Review-THE P & l STATEMENTS FOR XXX,XXX,XXX ARE IN US DOLLARS. EVERYTHING WAS CONVERTED TO AMERICAN STANDARS BOTH LANGUAGE AND CURRENCY SYSTEM AND VERIFIED WITH UW OF GREENBOX. - Seller-XX/XX/XXX<br>| Acknowledged-Investor Exception in file for variance to guidelines. Reviewed under XXX-XXX program, however borrower is a U.S. citizen. All business operations are overseas and thus full independent validation of income could not be obtained. Translated P&L statements used in lieu of tax returns under Guideline Variance granted. - Due Diligence Vendor-XX/XX/XXX<br>| Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More<br>Original CLTV is Below the Guideline Maximum By XXX Percent (XX%) or More - Original CLTV Of XX.XX% Is Below the Guideline Maximum Of XX% By XXX Percent (XX%) or More<br>Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points<br>Original LTV Is Below The Guideline Maximum By XXX Percent (XX%) Or More - Original LTV Of XX.XX% Is Below The Guideline Maximum Of XX% By XXX Percent (XX%) Or More | LTV is XX%, minimum required is XX%; DTI is XX.XXX%, maximum DTI is XX%; FICO is XXX, minimum required is XXX. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 2023010664 |  | D A B | Closed | FPRO1244 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Xrd Party Valuation Product is Required and Missing | Resolved-CDA received - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. CDA - Seller-XX/XX/XXX <br>Counter-Incorrect item uploaded- this Stipulation is for secondary valuation product, not verification of business. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. cpa letter provided, this is a Xrd party - Seller-XX/XX/XXX <br>Open- - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. CDA - Seller-XX/XX/XXX <br>Ready for Review-Document Uploaded. cpa letter provided, this is a Xrd party - Seller-XX/XX/XXX<br>| Resolved-CDA received - Due Diligence Vendor-XX/XX/XXX<br>| Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By XXX (X) Or More Months - Months Reserves Of XX Are Greater Than The Guideline Minimum Of X By XXX (X) Or More Months |  | CPA LETTER.pdf<br>PASTOR_TDOC.PDF | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010664 |  | D A B | Closed | FCRE1182 | XXX | XXX | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-Approval/Underwriting Summary provided at re-submission. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. last approval submitted here - Seller-XX/XX/XXX <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. last approval submitted here - Seller-XX/XX/XXX<br>| Resolved-Approval/Underwriting Summary provided at re-submission. - Due Diligence Vendor-XX/XX/XXX<br>| Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By XXX (X) Or More Months - Months Reserves Of XX Are Greater Than The Guideline Minimum Of X By XXX (X) Or More Months |  | pmlapproval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010665 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010675 |  | C B A | Closed | FCRE1199 | XXX | XXX | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Acknowledged-Investor Exception issued for Reserves less than standard and Loan Size. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. EXCEPTION PROVIDED - Seller-XX/XX/XXX <br>Open-Audited Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX.X - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. EXCEPTION PROVIDED - Seller-XX/XX/XXX<br>| Acknowledged-Investor Exception issued for Reserves less than standard and Loan Size. - Due Diligence Vendor-XX/XX/XXX<br>| XXX-XXX (XX) Months Housing History Reviewed With No Late Payments - XXX-XXX (XX) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By XXX (X) Or More Months - Months Reserves Of XX Are Greater Than The Guideline Minimum Of X By XXX (X) Or More Months<br>Borrower X Has Stable Job Time Of XXX (X) Or More Years At Current Job - Borrower X Has Stable Job Time Of XXX (X) Or More Years At Current Job - XX Years<br>Borrower X Has Stable Time In Profession By XXX (XX) Years Or More - Borrower X Has Stable Time In Profession By XXX (XX) Years Or More - XX Years<br>Borrower At Current Residence For XXX (X) Or More Years - Borrower At Current Residence For XXX (X) Or More Years - X Years<br>Original LTV Is Below The Guideline Maximum By XXX Percent (XX%) Or More - Original LTV Of XX% Is Below The Guideline Maximum Of XX% By XXX Percent (XX%) Or More<br>Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Credit Line Usage Ratio equals X.XXX<br>Original CLTV is Below the Guideline Maximum By XXX Percent (XX%) or More - Original CLTV Of XX% Is Below the Guideline Maximum Of XX% By XXX Percent (XX%) or More<br>Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points | LTV of XX% is less than max guideline/borrower owned home over X years with no lates. | EXCEPTION.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 2023010674 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 2023010677 |  | C A | Closed | finding-47 | XXX | XXX | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD provided - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. post closing cd issued - Seller-XX/XX/XXX <br>Open-This loan failed the XXX right of rescission test.<br>Closed-end (XX CFR §XXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXX.XX or §XXX.XX, or delivery of all material disclosures, whichever occurs last. Disbursement date same as XXX date and a revised disclosure with an updated disbursement date is required. - Due Diligence Vendor-XX/XX/XXX <br>Open-This loan failed the TILA right of rescission test.<br>Closed-end (XX CFR §XXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXX.XX or §XXX.XX, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. post closing cd issued - Seller-XX/XX/XXX<br>| Resolved-PCCD provided - Due Diligence Vendor-XX/XX/XXX<br>| Borrower X Has Stable Job Time Of XXX (X) Or More Years At Current Job - Borrower X Has Stable Job Time Of XXX (X) Or More Years At Current Job - XX Years<br>Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More<br>XXX-XXX (XX) Months Housing History Reviewed With No Late Payments - XXX-XXX (XX) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By XXX (X) Or More Months - Months Reserves Of XX Are Greater Than The Guideline Minimum Of X By XXX (X) Or More Months<br>Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Low Credit Usage Ratio Of XXX-XXX Percent (XX%) Or Less - Credit Line Usage Ratio equals X<br>Borrower X Has Stable Time In Profession By XXX (XX) Years Or More - Borrower X Has Stable Time In Profession By XXX (XX) Years Or More - XX Years |  | XXX Condition.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 2023010678 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010680 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010676 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010679 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 2023010684 |  | C B A | Closed | FCRE4678 | XXX | XXX | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Acknowledged-Payment Shock Does Not Meet Guideline Requirements Payment shock exceeds XXX%. Exception granted. - Due Diligence Vendor-XX/XX/XXX <br>Open-Payment Shock Does Not Meet Guideline Requirements Payment shock exceeds XXX%. Exception granted. - Due Diligence Vendor-XX/XX/XXX |  | Acknowledged-Payment Shock Does Not Meet Guideline Requirements Payment shock exceeds XXX%. Exception granted. - Due Diligence Vendor-XX/XX/XXX<br>|  | FICO is XXX; LTV is XX%. Max LTV is XX%; DTI is XX.XXX%, up to XX% DTI allowed with min residual income of $X,XXX & LTV <=XX.X%; Enough asset to cover closing cost, remaining balance supports more than X mos. of reserves; Residual income $XXX.XX |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 2023010684 |  | C B A | Closed | FCRE1159 | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Updated policy provided confirming effective date matches consummation, item resolved. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXX is after the Disbursement Date of XX-XX-XXX - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXX<br>| Resolved-Updated policy provided confirming effective date matches consummation, item resolved. - Due Diligence Vendor-XX/XX/XXX<br>|  |  | HAZARD INSURANCE - XXX-XX-XXTXXX.XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010685 |  | B A | Closed | FCRE4678 | XXX | XXX | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Acknowledged-Payment Shock Does Not Meet Guideline Requirements Payment shock is over XXX% at XXX%. Exception granted - Due Diligence Vendor-XX/XX/XXX <br>Open-Payment Shock Does Not Meet Guideline Requirements Payment shock is over XXX% at XXX%. Exception granted. pg XXX - Due Diligence Vendor-XX/XX/XXX |  | Acknowledged-Payment Shock Does Not Meet Guideline Requirements Payment shock is over XXX% at XXX%. Exception granted - Due Diligence Vendor-XX/XX/XXX<br>|  | FICO Score at XXX, with no adverse findings based on credit report; Borrower has XX.XX months equivalent total reserves amounting to $XXX,XXX.XX; XXX – XXX Income growth recorded XX%; At XX% LTV, subject property is located in a XXX with over XX% built up and increasing property values. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 2023010685 |  | B A | Closed | FCRE1193 | XXX | XXX | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Lender approved exception in file. - Due Diligence Vendor-XX/XX/XXX <br>Acknowledged-DTI is over XXX% with residual income lower than $XK. Exception granted - Due Diligence Vendor-XX/XX/XXX <br>Open-DTI is over XXX% with residual income lower than $XK. Exception granted. (pg XXX) - Due Diligence Vendor-XX/XX/XXX |  | Acknowledged-Lender approved exception in file. - Due Diligence Vendor-XX/XX/XXX <br>Acknowledged-DTI is over XX% with residual income lower than $XXX. Exception granted - Due Diligence Vendor-XX/XX/XXX<br>|  | FICO Score at XXX, with no adverse findings based on credit report; Borrower has XX.XX months equivalent total reserves amounting to $XXX,XXX.XX; XXX – XXX Income growth recorded XX%; At XX% LTV, subject property is located in a XXX with over XX% built up and increasing property values. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 2023010681 |  | D A | Closed | finding-3625 | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Broker Credit Report paid to third party. Invoice provided is for lesser amount than the fee paid by borrower. Lender provided LOE, PCCD, Copy of check to cure amount paid by the borrower over the amount invoiced. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. refund check issued for difference in fee and post closing cd issued - Seller-XX/XX/XXX <br>Counter-Received Invoice for $XX.XX. Amount is less than the Broker Credit Report fee on the final CD of $XX. Please provide the Broker Credit Report invoice showing the broker was billed and/or receipt that confirms fee was paid by the broker. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Open-\*\*\*\*\*The final CD shows a broker credit report fee paid to the mortgage broker without evidence of it being collected for betterment of a third party. - Due Diligence Vendor-XX/XX/XXX <br>Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. refund check issued for difference in fee and post closing cd issued - Seller-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX<br>| Resolved-Broker Credit Report paid to third party. Invoice provided is for lesser amount than the fee paid by borrower. Lender provided LOE, PCCD, Copy of check to cure amount paid by the borrower over the amount invoiced. - Due Diligence Vendor-XX/XX/XXX<br>|  |  | Credit report invoice.pdf<br>BinderX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010681 |  | D A | Closed | FCRE1145 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Prelim Title provided at resubmission. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Open-Title Document is missing - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXX<br>| Resolved-Prelim Title provided at resubmission. - Due Diligence Vendor-XX/XX/XXX<br>|  |  | PRELIM TITLE REPORT (XX).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010681 |  | D A | Closed | FCOM1227 | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Received DOT with PUD Rider - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Open-PUD Rider is Missing - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXX<br>| Resolved-Received DOT with PUD Rider - Due Diligence Vendor-XX/XX/XXX<br>|  |  | DEED OF TRUST_MORTGAGE CERTIFIED (XX).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010682 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010683 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010672 |  | A | Closed | finding-3625 | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Resolved, Received copy of the Credit Invoice - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. brokers credit invoice uploaded - Seller-XX/XX/XXX <br>Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. \*\*\*\*\*Based on the final cd and PCCD, the broker credit report fee listed in section B is made payable to the broker. This fee does not appear to be collected for benefit of a third party. - Due Diligence Vendor-XX/XX/XXX <br>Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the XXX or XXX. - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. brokers credit invoice uploaded - Seller-XX/XX/XXX<br>| Resolved-Resolved, Received copy of the Credit Invoice - Due Diligence Vendor-XX/XX/XXX<br>|  |  | brokers cr inv.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010669 |  | C A | Closed | finding-3631 | XXX | XXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved, Received a copy of the COC - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. coc for rate of X.XX - Seller-XX/XX/XXX <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. \*\*There seems to be a interest locked at X.XXX%, based on the COC found on page XXX. The interest rate then changes back to X.X, but there is no COC to back up this change on file. - Due Diligence Vendor-XX/XX/XXX <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. coc for rate of X.XX - Seller-XX/XX/XXX<br>| Resolved-Resolved, Received a copy of the COC - Due Diligence Vendor-XX/XX/XXX<br>|  |  | changeofcircumstancesnew (XX).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 2023010669 |  | C A | Closed | finding-3632 | XXX | XXX | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved, Received a copy of the COC - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <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. \*\*There seems to be a interest locked at X.XXX%, based on the COC found on page XXX. The interest rate then changes back to X.X, but there is no COC to back up this change on file. - Due Diligence Vendor-XX/XX/XXX <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXX<br>| Resolved-Resolved, Received a copy of the COC - Due Diligence Vendor-XX/XX/XXX<br>|  |  | changeofcircumstancesnew (XX).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 2023010669 |  | C A | Closed | finding-3634 | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). \*\*\*\*Received a copy of the COC - Due Diligence Vendor-XX/XX/XXX <br>Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Open-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). \*\*There seems to be a interest locked at X.XXX%, based on the COC found on page XXX. The interest rate then changes back to X.X, but there is no COC to back up this change on file. - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXX<br>| Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). \*\*\*\*Received a copy of the COC - Due Diligence Vendor-XX/XX/XXX <br>Resolved-This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXX<br>|  |  | changeofcircumstancesnew (XX).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 2023010670 |  | C B A | Closed | FCRE9068 | XXX | XXX | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Residual Income Does Not Meet Guideline Requirements | Acknowledged-Investor Exception Approval provided indicating acceptance of Residual Income below guideline and less than XXX months' PITI reserves. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Please see attached Exception Form that includes Residual Income.<br>Initial XXX has X dependents, age XX, XX & XX.<br>That's why X where only considered.<br> - Seller-XX/XX/XXX <br>Open-Residual Income Does Not Meet Guideline Requirements Residual income does not meet guidelines due to variance in income calculated at audit. Also, per the residual income calculator (p.XXX) in loan file, UW accounted for X in family size. However, per final XXX, family size should be X. - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. Please see attached Exception Form that includes Residual Income.<br>Initial XXX has X dependents, age XX, XX & XX.<br>That's why X where only considered.<br> - Seller-XX/XX/XXX<br>| Acknowledged-Investor Exception Approval provided indicating acceptance of Residual Income below guideline and less than X months' PITI reserves. - Due Diligence Vendor-XX/XX/XXX<br>|  | Compensating Factors cited for Exception approval are LTV X% below program max, FICO of XXX is XX points above threshold, and DTI of XX% less than cap of XX%. | XXX XXX Guideline Exception Form (X)-signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 2023010670 |  | C B A | Closed | FCRE8962 | XXX | XXX | Acknowledged | 2 - Non-Material A B | Credit | Assets | PITI Reserves does not meet eligibility requirement(s) | Acknowledged-Investor Exception Approval provided indicating acceptance of Residual Income below guideline and less than X months' PITI reserves. - Due Diligence Vendor-XX/XX/XXX |  | Acknowledged-Investor Exception Approval provided indicating acceptance of Residual Income below guideline and less than X months' PITI reserves. - Due Diligence Vendor-XX/XX/XXX<br>|  | Compensating Factors cited for Exception approval are LTV X% below program max, FICO of XXX is XX points above threshold, and DTI of XX% less than cap of XX%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 2023010671 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010687 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 2023010686 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010644 |  | C A | Closed | finding-3625 | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD, LOE, Copy of Refund Check - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Final CD and refund check uploaded - Seller-XX/XX/XXX <br>Counter-PCCD issued X/XX/XXX with LOE to borrower indicates a Fee was moved to the correct section. Package provided is missing a copy of the refund check and proof of delivery. Please provide missing documents. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-binder X is the post closing cd, refund check for correct loan - Seller-XX/XX/XXX <br>Counter-LOE, PCCD, and Proof of Refund received are not for the subject borrower/loan. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Borrowers refund - Seller-XX/XX/XXX <br>Counter-Received Xrd party invoice for the Broker Credit Report for $XX.XX, the Final CD and PCCD show the buyer paid $XXX.XX. If there are additional invoices, lender to provide for review or confirm if part of the fee is being paid to the broker. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Counter-Received Invoice FROM the Broker, this document does not resolve this finding. Missing the invoice from the third party. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. brokers credit invoice provided - Seller-XX/XX/XXX <br>Counter-Received PCCD issued X/XX/XXX. However, the PCCD does not resolve this finding. The PCCD provided and previous CDs issued have the Broker Credit Report fee in Section B paid to the Broker. Fees in Section B cannot be paid to the broker unless it is for the benefit of a third party. In review of the file provided, we located the invoice from the Broker for the Broker Credit Report for $XXX, but unable to locate the invoice from the third party in the amount of $XXX. Lender to confirm if fee was paid to the broker for the benefit of a third party and provide a copy of the Broker Credit Report invoice from the third party for review. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. \*\*\*The fees in Section B cannot be paid to "Lender or Broker". Please provide clarification if fee was eventually paid to a third party and if so, we need documentation in support of the same<br> - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. Final CD and refund check uploaded - Seller-XX/XX/XXX <br>Ready for Review-binder X is the post closing cd, refund check for correct loan - Seller-XX/XX/XXX <br>Ready for Review-Document Uploaded. Borrowers refund - Seller-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Ready for Review-Document Uploaded. brokers credit invoice provided - Seller-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX<br>| Resolved-Received PCCD, LOE, Copy of Refund Check - Due Diligence Vendor-XX/XX/XXX<br>| Months Reserves Are Greater Than The Guideline Minimum By XXX (X) Or More Months - Months Reserves Of XX Are Greater Than The Guideline Minimum Of XX By XXX (X) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points<br>Original CLTV is Below the Guideline Maximum By XXX Percent (XX%) or More - Original CLTV Of XX.XX% Is Below the Guideline Maximum Of XX% By XXX Percent (XX%) or More<br>Original LTV Is Below The Guideline Maximum By XXX Percent (XX%) Or More - Original LTV Of XX.XX% Is Below The Guideline Maximum Of XX% By XXX Percent (XX%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More |  | BinderX.pdf<br>broker credit inv.pdf<br>CREDIT REPORT INVOICE.pdf<br>Refund Check.pdf<br>XXX FInal CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 2023010646 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 2023010642 |  | C A | Closed | FCRE1168 | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Confirmed sufficient replacement coverage per insurer's anticipated cost to rebuild provided at resubmission; item resolved. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. cost to replace is XXX,XXX which is less than policy coverage. This should be acceptable - Seller-XX/XX/XXX <br>Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $X - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. cost to replace is XXX,XXX which is less than policy coverage. This should be acceptable - Seller-XX/XX/XXX<br>| Resolved-Confirmed sufficient replacement coverage per insurer's anticipated cost to rebuild provided at resubmission; item resolved. - Due Diligence Vendor-XX/XX/XXX<br>| Qualifying FICO is Greater Than The Guideline Minimum By XXX (XX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XX) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By XXX (X) Or More Months - Months Reserves Of XX Are Greater Than The Guideline Minimum Of XX By XXX (X) Or More Months |  | gem HAZARD INSURANCE - XXX-XX-XXTXXX.XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010652 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010650 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Purchase | NA | N/A | N/A |
| 2023010643 |  | C B A | Closed | finding-3734 | XXX | XXX | Cured | 2 - Non-Material C B | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Cured-Received PCCD, LOE, and Copy Check. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Final CD uploaded - Seller-XX/XX/XXX <br>Counter-Received PCCD and LOE. APR fees updated, confirmed restitution is required. Client confirmed Title Fees disclosed in Section H belong in Section C. Total of Payment amount in Loan Calculations not updated. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Open-This loan failed the TRID foreclosure rescission total of payments test. (XX CFR §XXX.XX(h)(X)(ii))The total of payments is $X,XXX,XXX.XX. The disclosed total of payments charge of $X,XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XXX. \*\*\*It appears that the lender disclosed additional section C fee's in section H. Additional Services Borrower Did Shop For fees should be listed on an addendum and still included in section C., - Due Diligence Vendor-XX/XX/XXX <br>Open-This loan failed the TRID foreclosure rescission total of payments test. (XX CFR §XXX.XX(h)(X)(ii))The total of payments is $X,XXX,XXX.XX. The disclosed total of payments charge of $X,XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. Final CD uploaded - Seller-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX<br>| Cured-Received PCCD, LOE, and Copy Check. - Due Diligence Vendor-XX/XX/XXX<br>|  |  | BinderX.pdf<br>XXX Final CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 2023010643 |  | C B A | Closed | finding-3732 | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Received PCCD, LOE, and Copy Check. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Final CD and refund - Seller-XX/XX/XXX <br>Counter-Please re-upload document for review. PCCD issued X/XX/XXX previously provided. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Revised final CD uploaded - Seller-XX/XX/XXX <br>Counter-Received PCCD and LOE. APR fees updated, confirmed restitution is required. Client confirmed Title Fees disclosed in Section H belong in Section C. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Open-This loan failed the TRID total of payments test. (XX CFR §XXX.XX(o)(X))The total of payments is $X,XXX,XXX.XX. The disclosed total of payments of $X,XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. \*\*\*It appears that the lender disclosed additional section C fee's in section H. Additional Services Borrower Did Shop For fees should be listed on an addendum and still included in section C., - Due Diligence Vendor-XX/XX/XXX <br>Open-This loan failed the TRID total of payments test. (XX CFR §XXX.XX(o)(X))The total of payments is $X,XXX,XXX.XX. The disclosed total of payments of $X,XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. Final CD and refund - Seller-XX/XX/XXX <br>Ready for Review-Document Uploaded. Revised final CD uploaded - Seller-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX<br>| Resolved-Received PCCD, LOE, and Copy Check. - Due Diligence Vendor-XX/XX/XXX<br>|  |  | BinderX.pdf<br>REVISED FINAL CLOSING DISCLOSURE (XX).pdf<br>XXX Final CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 2023010643 |  | C B A | Closed | finding-2504 | XXX | XXX | Resolved | 2 - Non-Material C B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Received PCCD and LOE - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. - Due Diligence Vendor-XX/XX/XXX <br>Open-This loan failed the TILA foreclosure rescission finance charge test. (XX CFR §XXX.XX(h) , transferred from XX CFR §XXX.XX(h))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate for purposes of rescission because it is understated by more than $XX. \*\*\*It appears that the lender disclosed additional section C fee's in section H. Additional Services Borrower Did Shop For fees should be listed on an addendum and still included in section C., - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXX<br>| Resolved-Received PCCD and LOE - Due Diligence Vendor-XX/XX/XXX<br>|  |  | BinderX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 2023010643 |  | C B A | Closed | finding-651 | XXX | XXX | Resolved | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Received PCCD and LOE - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Open-This loan failed the TILA finance charge test.(XX CFR §XXX.XX(o)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. \*\*\*It appears that the lender disclosed additional section C fee's in section H. Additional Services Borrower Did Shop For fees should be listed on an addendum and still included in section C., - Due Diligence Vendor-XX/XX/XXX <br>Open-This loan failed the XXX finance charge test.(XX CFR §XXX.XX(o)(X))The finance charge is $XXX,XXX.XX. The disclosed finance charge of $XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXX<br>| Resolved-Received PCCD and LOE - Due Diligence Vendor-XX/XX/XXX<br>|  |  | BinderX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 2023010651 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010656 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010673 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 2023010645 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010649 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| 2023010647 |  | D A | Closed | FCRE1202 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Full Third Party Fraud Report provided at resubmission. Items flagged include ownership in another property as disclosed on Final XXX, review of employment/income which was verified per program requirement. Confirmed realtor is not a match to watchlist entity and broker performing more than one role is not of issue. No additional documentation required. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Data verify report uploaded - Seller-XX/XX/XXX <br>Counter-Report provided is the third party Compliance Review- please provide an acceptable Fraud Report (vendors include XXX, XXX, XXX, etc) with all flags addressed. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. Data verify report uploaded - Seller-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX<br>| Resolved-Full Third Party Fraud Report provided at resubmission. Items flagged include ownership in another property as disclosed on Final XXX, review of employment/income which was verified per program requirement. Confirmed realtor is not a match to watchlist entity and broker performing more than one role is not of issue. No additional documentation required. - Due Diligence Vendor-XX/XX/XXX<br>|  |  | XXX Xrd party report.pdf<br>XXX Xrd party report.pdf<br>XXX Xrd party report.pdf<br>XXX Drive Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010648 |  | D B A | Closed | FCOM1233 | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final XXX is Incomplete | Resolved-The Final XXX is Present - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Ready for Review-Document Uploaded. FInal XXX signed by borrower also one page forwarded to LO signed as loan officer - Seller-XX/XX/XXX <br>Counter-XXX submitted is not signed by borrower or lender representative- please provide fully executed final application affirming borrower information and transaction details at the time of closing. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Final XXX - Seller-XX/XX/XXX <br>Open-The Final XXX is Incomplete The file does not contain any executed applications as required. - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Ready for Review-Document Uploaded. FInal XXX signed by borrower also one page forwarded to LO signed as loan officer - Seller-XX/XX/XXX <br>Ready for Review-Document Uploaded. Final XXX - Seller-XX/XX/XXX<br>| Resolved-The Final XXX is Present - Due Diligence Vendor-XX/XX/XXX<br>| Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More |  | XXX Final XXX.pdf<br>XXX Final XXX.pdf<br>FINAL XXX - ALL PAGES (XX).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010648 |  | D B A | Closed | FCRE4678 | XXX | XXX | Resolved | 1 - Information A | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Resolved-Payment Shock Meets Guideline Requirements Or Not Applibable - Due Diligence Vendor-XX/XX/XXX <br>Acknowledged-Investor Exception issued to allow for payment shock of XXX.XX%, which exceeds program allowance of XXX%. - Due Diligence Vendor-XX/XX/XXX |  | Resolved-Payment Shock Meets Guideline Requirements Or Not Applibable - Due Diligence Vendor-XX/XX/XXX <br>Acknowledged-Investor Exception issued to allow for payment shock of XXX.XX%, which exceeds program allowance of XXX%. - Due Diligence Vendor-XX/XX/XXX<br>| Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010648 |  | D B A | Closed | FCRE1440 | XXX | XXX | Acknowledged | 2 - Non-Material A B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Acknowledged-Investor Exception issued to allow for only partial XXX month housing history fully verified. Per statements and explanation in file, rent was paid with both cash and check; ATM receipts confirm withdrawals and private VOR states no late payments. - Due Diligence Vendor-XX/XX/XXX |  | Acknowledged-Investor Exception issued to allow for only partial XXX month housing history fully verified. Per statements and explanation in file, rent was paid with both cash and check; ATM receipts confirm withdrawals and private VOR states no late payments. - Due Diligence Vendor-XX/XX/XXX<br>| Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More | Property Condition is CX, value is increasing with marketing time of less than X months; FICO is XX points higher than program minimum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010648 |  | D B A | Closed | FCRE1196 | XXX | XXX | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-Investor Exception issued to allow for LTV/CLTV of XX% vs. program max of XX% for first-time homebuyers. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Exception form - Seller-XX/XX/XXX <br>Open-Audited HCLTV of XX% exceeds Guideline HCLTV of XX% \*\*Exception granted allowing to XX% for first time home buyer - page XX - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. Exception form - Seller-XX/XX/XXX<br>| Acknowledged-Investor Exception issued to allow for LTV/CLTV of XX% vs. program max of XX% for first-time homebuyers. - Due Diligence Vendor-XX/XX/XXX<br>| Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More | Property Condition is CX, value is increasing with marketing time of less than X months; FICO is XX points higher than program minimum | XXX exception form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010648 |  | D B A | Closed | FCRE1194 | XXX | XXX | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Acknowledged-Investor Exception issued to allow for LTV/CLTV of XX% vs. program max of XX% for first-time homebuyers. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Exception form - Seller-XX/XX/XXX <br>Open-Audited LTV of XX% exceeds Guideline LTV of XX% - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. Exception form - Seller-XX/XX/XXX<br>| Acknowledged-Investor Exception issued to allow for LTV/CLTV of XX% vs. program max of XX% for first-time homebuyers. - Due Diligence Vendor-XX/XX/XXX<br>| Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More | Property Condition is CX, value is increasing with marketing time of less than X months; FICO is XX points higher than program minimum | XXX exception form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010648 |  | D B A | Closed | FCRE1195 | XXX | XXX | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Investor Exception issued to allow for LTV/CLTV of XX% vs. program max of XX% for first-time homebuyers. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Exception form - Seller-XX/XX/XXX <br>Open-Audited CLTV of XX% exceeds Guideline CLTV of XX% \*\*Exception granted allowing to XX% for first time home buyer - page XX - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. Exception form - Seller-XX/XX/XXX<br>| Acknowledged-Investor Exception issued to allow for LTV/CLTV of XX% vs. program max of XX% for first-time homebuyers. - Due Diligence Vendor-XX/XX/XXX<br>| Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More | Property Condition is CX, value is increasing with marketing time of less than X months; FICO is XX points higher than program minimum | XXX exception form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010648 |  | D B A | Closed | FCOM1544 | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXX <br>Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-XX/XX/XXX <br>Open-TRID: Missing Final Closing Disclosure Final CD is not on file - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. Final CD - Seller-XX/XX/XXX<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXX<br>| Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More |  | XXX Final CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010648 |  | D B A | Closed | FCOM1227 | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-DOT and riders received. - Due Diligence Vendor-XX/XX/XXX <br>Open-PUD Rider is Missing as Mortgage docs were not provided from closing. - Due Diligence Vendor-XX/XX/XXX |  | Resolved-DOT and riders received. - Due Diligence Vendor-XX/XX/XXX<br>| Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010648 |  | D B A | Closed | FCOM1621 | XXX | XXX | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved. Received IEADS. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Escrow account - Seller-XX/XX/XXX <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-XX/XX/XXX <br>Open-Initial Escrow Account Disclosure is Missing IEAD not on file - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. Escrow account - Seller-XX/XX/XXX<br>| Resolved-Initial Escrow Account Disclosure is Resolved. Received XXX. - Due Diligence Vendor-XX/XX/XXX<br>| Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More |  | XXX Escrow account.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010648 |  | D B A | Closed | FCOM1220 | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present. DOT and riders received. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Deed of trust - Seller-XX/XX/XXX <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. Deed of trust - Seller-XX/XX/XXX<br>| Resolved-The Deed of Trust is Present. DOT and riders received. - Due Diligence Vendor-XX/XX/XXX<br>| Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More |  | XXX deed of trust.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010648 |  | D B A | Closed | FCOM1206 | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present. Note received. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. Note and Allonge - Seller-XX/XX/XXX <br>Open-The Note is Missing - Due Diligence Vendor-XX/XX/XXX <br>Open-The Note is Missing - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. Note and Allonge - Seller-XX/XX/XXX<br>| Resolved-The Note is Present. Note received. - Due Diligence Vendor-XX/XX/XXX<br>| Calculated DTI Is Less Than The Guideline Maximum By XXX Percent (X%) Or More - Calculated DTI Of XX.XX% Is Less Than The Guideline Maximum Of XX% By XXX Percent (X%) Or More |  | XXX Note and Allonge.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010655 |  | D A | Closed | FCRE1145 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Prelim Title provided at resubmission. - Due Diligence Vendor-XX/XX/XXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXX <br>Open-Title Document is missing Need copy of Prelim Title or Final Policy - Due Diligence Vendor-XX/XX/XXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXX<br>| Resolved-Prelim Title provided at resubmission. - Due Diligence Vendor-XX/XX/XXX<br>|  |  | PRELIM TITLE REPORT XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010654 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| 2023010657 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| 2023010653 |  | A |  |  | XXX | XXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |

---

## Exhibit 99.39

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.39**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2023010667 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010666 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010660 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010668 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010659 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010658 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010663 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010662 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010661 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010664 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010665 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010675 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010674 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010677 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010678 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010680 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010676 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010679 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010684 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010685 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010681 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010682 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010683 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010672 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Excellent | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010669 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010670 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010671 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010687 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010686 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010644 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010646 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010642 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010652 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010650 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010643 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010651 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010656 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010673 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010645 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010649 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010647 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010648 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |
| 2023010655 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010654 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010657 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023010653 |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |

---

## Exhibit 99.40

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.40**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2023010660 | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |  |
| 2023010660 | XXX | Property Type | propertyValuationPage | XXX | XXX |  |
| 2023010668 | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX |  |
| 2023010664 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |  |
| 2023010664 | XXX | Property Value | propertyValuationPage | XXX | XXX |  |
| 2023010675 | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX |  |
| 2023010679 | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |  |
| 2023010683 | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |  |
| 2023010687 | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX |  |
| 2023010646 | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX |  |
| 2023010650 | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX |  |
| 2023010645 | XXX | Property Value | propertyValuationPage | XXX | XXX |  |
| 2023010649 | XXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXX | XXX |  |
| 2023010654 | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX |  |
| 2023010653 | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX |  |
| 2023010653 | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX |  |

---

## Exhibit 99.41

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.41**

![](ex99-41_image001.jpg)

**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 a lender and subsequently purchased by Angel Oak Real Estate Investment Trust III, (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client via a Reliance Letter.

**Sample size of the assets reviewed.** 

The final population of the Review covered 27 Loans. Including 19 residential and 8 business purpose loans, totaling an aggregate original principal balance of approximately $12,969,708. 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., 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 and uploaded to the underwriting system 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 and applicable, 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 |

---

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|:---|:---|:---|
| ![](ex99-41_image003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| Page |

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**<u>Document Review</u>**

For each Loan, Evolve will review the Loan File and verify 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, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines 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, Evolve 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*

Evolve will verify (a) a credit report is present for each borrower/ guarantor, (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.

*Borrowing Entity*

Evolve will verify the borrowing entity, if not an individual, is properly documented. In addition, Evolve 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*

Evolve 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*

Evolve'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. Evolve'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,

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&nbsp;&nbsp;&nbsp;&nbsp;(iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (iv) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, Evolve'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, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Evolve'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*

Evolve will assess whether the asset documentation required by the guidelines is present in the file. Evolve 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*

Evolve 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*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

*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, Evolve 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.

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|:---|:---|:---|
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**<u>Limited Non-Owner Occupancy Certification Review</u>**

Evolve will review documentation present in the file to support the borrower claim that the property will be non-owner occupied.

Review procedures include:

● Appraisal reports are reviewed in order to determine property type is consistent with underwritten type, as well as evaluated for evidence/indication of either owner or tenant occupancy.

● Final Form 1003/Loan application is reviewed to ensure 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.

● Certification of Non-Owner Occupancy and Indemnity is reviewed for presence of a completed Primary Residence address, verified that that the handwritten Primary Residence address differs from the subject property address, and is signed/dated as required.

● The Primary Residence address(es) listed are compared for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity.

● Review additional items for confirmation of non-owner occupancy possibly including:

○ That the credit report address is different than the subject property

○ There is a lease in place if the loan is a refinance

○ There is landlord insurance on the property

**<u>Debt Service Coverage Ratio (DSCR)</u>**

● Calculate DSCR as required by the guidelines

**<u>Data Collection</u>**

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

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|:---|:---|:---|
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**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;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;19 | &nbsp;&nbsp;70.37% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;8 | &nbsp;&nbsp;29.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;59.26% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;40.74% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;26 | &nbsp;&nbsp;96.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |

---

**Overall Results Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;59.26% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;40.74% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |

---

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|:---|:---|:---|
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**Data Results Summary**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;6 | &nbsp;&nbsp;27 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;27 | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;25 | &nbsp;&nbsp;27 | &nbsp;&nbsp;92.59% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;2 | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.41% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.41% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;27 | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;3 | &nbsp;&nbsp;27 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;19 | &nbsp;&nbsp;27 | &nbsp;&nbsp;70.37% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.41% |

---

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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.

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:**

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&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:

**(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> 

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&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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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.

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

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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;

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

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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

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

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**(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 99.42

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.42**

![](evolvelogo.jpg)

**Rating Agency Grades**

**Run Date - 01/05/2023 8:56:17 AM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 1307129 | 2023010777 |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 1291074 | 2023010798 |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1307132 | 2023010781 |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1305846 | 2023010776 |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 1281973 | 2023010774 |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 1305853 | 2023010778 |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 1307140 | 2023010775 |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1307141 | 2023010771 |  | XXX A | A | A | A | A | A C | A | A | A | A | A |
| 1307152 | 2023010779 |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1299921 | 2023010799 |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1312322 | 2023010782 |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1316701 | 2023010784 |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1316703 | 2023010783 |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 1343173 | 2023010785 |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1349305 | 2023010795 |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 1349311 | 2023010797 |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1352662 | 2023010796 |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 1366845 | 2023010773 |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 1411941 | 2023010792 |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1410152 | 2023010794 |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1409484 | 2023010787 |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 1413253 | 2023010786 |  | XXX C | C | C | C | C | C A B | A | A | A | A | A B |
| 1411157 | 2023010788 |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1414295 | 2023010790 |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 1411161 | 2023010791 |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1414299 | 2023010793 |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1411163 | 2023010789 |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |

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## Exhibit 99.43

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.43**

![](evolvelogo.jpg)

**Exception Detail**

**Run Date - 01/05/2023 8:56:17 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 1299921 | 2023010799 |  | 6261740 | 353 | XXX | Credit | UW Qualifications |  | UW Qualifications - UW - LA/CLA exceeds Max. Limit |  | Loan amount of $XXX does not meet minimum loan amount of $XXXX. |  | Lender approved outside of guidelines due to FICO score and reserves. |  | XXX |  | XXX B | 2 | XXX | XXX | 3 | 13 C B | N/A | N/A C |  | Exempt | 1 |
| 1305846 | 2023010776 |  | 6298536 | 971 | XXX | Compliance | Compliance |  | Compliance - CD- Missing CD Signed by borrower |  | Missing final Closing Disclosure signed by borrower at closing | Information provided |  | Reviewer XXX XX:XX AM; XX/XX CD provided is not signed at closing XX/XX by borrower(s). Condition remains. Please provide Final CD signed and dated by borrower at closing XX/XX.<br>Reviewer XXX XX:XX AM; XX/XX CD signed by the borrowers, however the co-borrower's signature date is not legible. Please provide the XX/XX CD with legible signature dates. | XXX |  | XXX A | 1 | XXX | XXX | 1 | 3 C A | C | A C |  | Non-QM | 1 |
| 1305853 | 2023010778 |  | 6301484 | 879 | XXX | Compliance | Application |  | Application - Other: |  | Borrower's citizenship is not completed on final Application | clrd, Borrower is a foreign national |  | Reviewer XXX XX:XX AM; Citizenship has not been marked on the application provided. No application in file has citizenship type.<br>Reviewer XXX XX:XX AM; Page X was not provided with the Tdoc final application. Condition remains open.<br>Reviewer XXX XX:XX AM; Document provided will not clear deficiency. Condition remains. <br>Reviewer XXX XX:XX AM; clrd, Borrower is a foreign national<br>| XXX |  | XXX A | 1 | XXX | XXX | 2 | 13 C A | C | A C |  | QM Safe Harbor | 1 |
| 1307132 | 2023010781 |  | 6308700 | 433 | XXX | Credit | UW Assets |  | UW Assets - UW - Short funds to close |  | Required funds to close $XXX.XX. Total verified assets $XXX.XX | Received |  |  | XXX |  | XXX A | 1 | XXX | XXX | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1307140 | 2023010775 |  | 6308107 | 851 | XXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION X EXCEPTION APPROVAL TO USE APP'S INCOME WITH LESS THAN X MONTHS WITH CURRENT EMPLOYER, CUSTOMER HAS STARTED XX/XX/XX, HAS X YRS HISTORY W/ NO GAPS. |  | COMPENSATING FACTORS: (X) FICO IS AT XXX, NO REQUIRED FICO. (X) APPRAISAL VALUE CAME IN HIGHER THAN THE PURCHASE PRICE. (X) DTI @ XX.XX%, MAX IS XX%. (X) XX.XX MONTHS RESERVES, X MONTHS REQUIRED. Approved by Team/UW Manager |  | XXX |  | XXX B | 2 | XXX | XXX | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1307140 | 2023010775 |  | 6308111 | 851 | XXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION X TO USE CONSULAR ID IN LIEU OF PASSPORT. BORROWER AS AN ITIN CANNOT PROVIDE UNEXPIRED PASSPORT VERIFIED WITH TITLE THAT THEY'LL ACCEPT CONSULAR ID. |  | COMPENSATING FACTORS: (X) FICO IS AT XXX, NO REQUIRED FICO. (X) APPRAISAL VALUE CAME IN HIGHER THAN THE PURCHASE PRICE. (X) DTI @ XX.XX%, MAX IS XX%. (X) XX.XX MONTHS RESERVES, X MONTHS REQUIRED. Approved by Team/UW Manager |  | XXX |  | XXX B | 2 | XXX | XXX | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1307140 | 2023010775 |  | 6308113 | 851 | XXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | GUIDELINE EXCEPTION X EXCEPTION APPROVAL REQUIRED TO USE RENT RECEIPTS IN LIEU TO CANCELLED CHECKS FOR XX MOS. MTG HISTORY, CUSTOMER IS PAYING THE RENT IN CASH, VOR IN FILE. |  | COMPENSATING FACTORS: (X) FICO IS AT XXX, NO REQUIRED FICO. (X) APPRAISAL VALUE CAME IN HIGHER THAN THE PURCHASE PRICE. (X) DTI @ XX.XX%, MAX IS XX%. (X) XX.XX MONTHS RESERVES, X MONTHS REQUIRED. Approved by Team/UW Manager |  | XXX |  | XXX B | 2 | XXX | XXX | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1307152 | 2023010779 |  | 6306303 | 323 | XXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Minimum residual income of $XXX required for DTI over XX%. Current residual income is $XXX.XX and DTI is XX.XX%. |  | Exception granted due to compensating factors: FICO is XXX and min is XXX and reserves of XX+ |  | XXX |  | XXX B | 2 | XXX | XXX | 1 | 1 C B | A | A C |  | Non-QM | 1 |
| 1366845 | 2023010773 |  | 6723005 | 330 | XXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | File does not contain a Fraud Guard. | Received |  | Reviewer XXX XX:XX AM; Received Fraud Report. However, all loan participants must be run through all watchlists. Please provide the Fraud report with the following added. Appraiser xxxx, Appraisal Company xxxx; Associates<br>Reviewer XXX XX:XX PM; Received Fraud Report.Appraiser xxxx, Appraisal Company xxxx; Associates still required <br>Reviewer XXX XX:XX PM; Received Fraud Report X.XX.XX. Appraiser xxxx, Appraisal Company xxxx; Associates still required<br>| XXX |  | XXX A | 1 | XXX | XXX | 1 | 13 A | A | A |  | Non-QM | 1 |
| 1307129 | 2023010777 |  | 6615561 | 326 | XXX | Credit | UW Credit |  | UW Credit - UW - Evidence Satisfaction of Debt |  | missing verification that open mortgage for $XXXX dated XXX has been paid and cleared of record | Received |  |  | XXX |  | XXX A | 1 | XXX | XXX | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1312322 | 2023010782 |  | 6331411 | 323 | XXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Exception requested for LTV exceeding max allowed of XX%. Current LTV is XX.XX% |  | Exception granted due to compensating factor of FICO is XXX; low DTI of XX% and max is XX%; XX.XX months reserves |  | XXX |  | XXX B | 2 | XXX | XXX | 1 | 3 C B | A | A C |  | QM Rebuttable Presumption | 1 |
| 1316703 | 2023010783 |  | 6357212 | 187 | XXX | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Missing Flood Cert | Information provided |  |  | XXX |  | XXX A | 1 | XXX | XXX | 1 | 13 C A | A | A C |  | Non-QM | 1 |
| 1343173 | 2023010785 |  | 6610759 | 330 | XXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | -(X)-Purchase of Xnd home with an ann on rate of X.XX. Per guidelines, Only primary residence is allowed under ITIM-XXBS Program. -(X)- Property is located in Rural. Zoning description is SFR, No Income producing activity. -(X)-Expiration of income document (XX P&L) on X/X/XXX. Most recent bank statement in file will expire on X/X/XXX with consistent income deposit. |  | Approved |  | XXX |  | XXX B | 2 | XXX | XXX | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1343173 | 2023010785 |  | 6613781 | 851 | XXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | (X)-Purchase of Xnd home with an add on rate of X.XX. Per guidelines, Only primary residence is allowed under ITIN-XXBS Program. -(X)- Property is located in Rural. Zoning description is SFR, No Income producing activity. -(X)-Expiration of income document (XX P&L) on X/X/XXX. Most recent bank statement in file that will expire on X/X/XXX with consistent income deposit. |  | Compensating Factors: Low DTI of XX.XX% - Low LTV of XX.XX%. Max is XX% - Reserves of XXX months – Fico of XXX, minimum is XXX |  | XXX |  | XXX B | 2 | XXX | XXX | 2 | 1 C B | A | A |  | Non-QM | 1 |
| 1411157 | 2023010788 |  | 6877832 | 330 | XXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Borrower's do not meet required XX months seasoning on loan modification closed XX/XXX (X years and X months) |  | The exception for seasoning since loan modification was granted with the following compensating factors: FICO score is XX points higher than the minimum required XXX Residual income is $XXX.XX above the required minimum $XXX. Benefit to borrower: Home Improvement. |  | XXX |  | XXX B | 2 | XXX | XXX | 1 | 13 C B | A | A |  | Non-QM | 1 |
| 1411163 | 2023010789 |  | 6879395 | 959 | XXX | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | Please provide IEADS executed by borrower with the same escrows as per post consummation CD provided dated XXX. |  |  |  | XXX |  | XXX B | 2 | XXX | XXX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1411163 | 2023010789 |  | 6879649 | 851 | XXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | MAX LTV OF XX% AND DTI OF XX% SINCE BORROWER, BY DEFINITION, IS NOT CONSIDERED FTHB - EVEN IF LIVING RENT-FREE (>X MONTHS DUE TO EXTENDED TIME LOOKING FOR PRIMARY RESIDENCE TO PURCHASE AND MOVE INTO) AFTER SELLING PREVIOUS RESIDENCE. |  | COMPENSATING FACTORS: (X) CUSTOMER HAS ENOUGH FUNDS FOR CLOSING COST AND RESERVES, XX.XX months. (X) FICO of XXX. (X) DTI of XX.XXX%. |  | XXX |  | XXX B | 2 | XXX | XXX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1411163 | 2023010789 |  | 6879650 | 851 | XXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | CURRENT RESIDUAL INCOME OF $X,XXX.XX IS NOT MEETING THE REQUIRED RESIDUAL INCOME OF $X,XXX. DISCOVERY DATE X/XX/XX. |  | COMPENSATING FACTORS: (X) CUSTOMER HAS ENOUGH FUNDS FOR CLOSING COST AND RESERVES, XX.XX months. (X) FICO of XXX. (X) DTI of XX.XXX%. |  | XXX |  | XXX B | 2 | XXX | XXX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1413253 | 2023010786 |  | 6881866 | 902 | XXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | XXX |  | XXX A | 1 | XXX | XXX | 1 | 13 C B | C | A B |  | Non-QM | 1 |
| 1413253 | 2023010786 |  | 6881867 | 973 | XXX | Compliance | Compliance |  | Compliance - CD- Other |  | On the final LE (X/X) it reflects a estimated cash to close to the borrower of $XXX, however, the final CD (X/XX), at the bottom of page X, under Calculating cash to close, reflects $XXX in the LE section. Please provide a PCCD reflecting the correct amount of $XXX in the LE section of the Calculating Cash to Close. | Information provided |  |  | XXX |  | XXX A | 1 | XXX | XXX | 1 | 13 C B | C | A B |  | Non-QM | 1 |
| 1349311 | 2023010797 |  | 6643097 | 323 | XXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Exception requested for foreign national not meeting credit tradeline requirements. |  | Exception granted due to compensating factors: LTV is XX% and max is XX%; borrower acquired subject property in XXX; an experience investor with good payment history; subject property is located in Urban area and built up over XX%; property value growth is stable. |  | XXX |  | XXX B | 2 | XXX | XXX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1411161 | 2023010791 |  | 6883443 | 1015 | XXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - IRS Transcripts required |  | Missing Tax transcripts from XXX and XXX for XXX's. | Documentation has been received. |  | Reviewer XXX XX:XX AM; The XXX's were received. did not receive the XXX and XXX Tax transcripts | XXX |  | XXX A | 1 | XXX | XXX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1411161 | 2023010791 |  | 6883445 | 330 | XXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The borrower does not have an unexpired passport from the country of origin, but has a Consular ID. |  | The exception for missing passport and use of a Consular ID was granted with the following compensating factors: LTV is XX.XXX% maximum allowed up to XX% and credit score is XXX, no FICO score is required. |  | XXX |  | XXX B | 2 | XXX | XXX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1411161 | 2023010791 |  | 6883446 | 336 | XXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | The required residual income is needed is $XXX with X dependents and borrowers residual income is only $XXX.XX. |  | The exception for lack of residual income was granted with the following compensating factors: LTV is XX.XXX% maximum allowed up to XX% and credit score is XXX, no FICO score is required. |  | XXX |  | XXX B | 2 | XXX | XXX | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1411941 | 2023010792 |  | 6884279 | 330 | XXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Exception Allow XX% LTV when Max is XX% since X-unit property. |  | Compensating Factors: Good credit and FICO score of XXX, Refinance C/O transaction, assets not required. Cash Out amount is more than enough to cover closing cost and reserves. |  | XXX |  | XXX B | 2 | XXX | XXX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1411941 | 2023010792 |  | 6884282 | 330 | XXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Exception Allow Max LTV of XX%; DSCR ratio X.XX; when Max LTV of XX% for Compensating Factors: Good credit and FICO score of XXX, Refinance C/O transaction, assets not required. Cash Out amount is more than enough to cover closing cost and reserves. XXX XXX B 2 XXX XXX 3 13 C B C B N/A N/A A A Exempt 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1413253 | 2023010786 |  | 6887096 | 330 | XXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Exception approved for lack of XX-month housing history for Heloc. |  | XX-month housing history is not available for the Heloc under collection. Payoff demand is in file and debt will be paid off with this transaction. with X% reduction to LTV/CLTV, allow to keep at XX%. Compensating factor: Cash-out is more than enough to cover required X-month reserves. |  | XXX |  | XXX B | 2 | XXX | XXX | 1 | 13 C B | C | A B |  | Non-QM | 1 |
| 1413253 | 2023010786 |  | 6887098 | 272 | XXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Exception approved for appraisal expiration within XX days from ECD. |  | Transfer appraisal report is greater than XX days upon submission and expiration is within XX days from ECD. Expiration date of X/XX/XXX with ECD of X/XX/XXX. Compensating factor: Cash-out is more than enough to cover required X-month reserves. |  | XXX |  | XXX B | 2 | XXX | XXX | 1 | 13 C B | C | A B |  | Non-QM | 1 |

---

## Exhibit 99.44

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.44**

![](evolvelogo.jpg)

**Valuation Report**

**Run Date - 01/05/2023 8:56:17 AM**

---

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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** |
| 1307129 | 2023010777 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1291074 | 2023010798 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | REASONABLE | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1307132 | 2023010781 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1305846 | 2023010776 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | excellent | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1281973 | 2023010774 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1305853 | 2023010778 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1307140 | 2023010775 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1307141 | 2023010771 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | excellent | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1307152 | 2023010779 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1299921 | 2023010799 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1312322 | 2023010782 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1316701 | 2023010784 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1316703 | 2023010783 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | REASONABLE | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1343173 | 2023010785 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1349305 | 2023010795 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1349311 | 2023010797 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1352662 | 2023010796 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1366845 | 2023010773 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | MODERATE | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1411941 | 2023010792 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1410152 | 2023010794 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1409484 | 2023010787 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1413253 | 2023010786 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1411157 | 2023010788 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1414295 | 2023010790 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1411161 | 2023010791 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1414299 | 2023010793 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |
| 1411163 | 2023010789 |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | XXX |

---

## Exhibit 99.45

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.45**

![](evolvelogo.jpg)

**Data Compare**

**Run Date - 01/05/2023 8:56:17 AM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1307129 | 2023010777 |  | Maturity Date | XXX | XXX | Verified to the note in file |
| 1307129 | 2023010777 |  | Note Date | XXX | XXX | Verified to the note in file |
| 1307129 | 2023010777 |  | QM Status | XXX | XXX | Verified |
| 1307129 | 2023010777 |  | Qualifying DTI | XXX | XXX |  |
| 1307132 | 2023010781 |  | DSCR | XXX | XXX | Bid tape is blank, DSCR is calculated with the market rents from XXX of $XXX.XX by the Principle, interest, taxes and insurance of $XXX.XX which equals X.XX |
| 1307132 | 2023010781 |  | Maturity Date | XXX | XXX | Verified |
| 1307132 | 2023010781 |  | Note Date | XXX | XXX | Bid Tape is Blank - Verified with note |
| 1307132 | 2023010781 |  | QM Status | XXX | XXX | verified Business Purpose |
| 1305846 | 2023010776 |  | Maturity Date | XXX | XXX | Verified w/ note |
| 1305846 | 2023010776 |  | Note Date | XXX | XXX | verified |
| 1305846 | 2023010776 |  | QM Status | XXX | XXX | Verified in ce |
| 1305846 | 2023010776 |  | Qualifying DTI | XXX | XXX |  |
| 1281973 | 2023010774 |  | Maturity Date | XXX | XXX | verified via Note |
| 1281973 | 2023010774 |  | Note Date | XXX | XXX | verified via Note |
| 1281973 | 2023010774 |  | QM Status | XXX | XXX | verified in CE |
| 1281973 | 2023010774 |  | Qualifying DTI | XXX | XXX |  |
| 1305853 | 2023010778 |  | Maturity Date | XXX | XXX |  |
| 1305853 | 2023010778 |  | Note Date | XXX | XXX | Verified with Note |
| 1305853 | 2023010778 |  | QM Status | XXX | XXX | Verified in ce |
| 1305853 | 2023010778 |  | Qualifying DTI | XXX | XXX |  |
| 1307140 | 2023010775 |  | Maturity Date | XXX | XXX | verified via Note |
| 1307140 | 2023010775 |  | Note Date | XXX | XXX | verified |
| 1307140 | 2023010775 |  | QM Status | XXX | XXX | verified in CE |
| 1307140 | 2023010775 |  | Qualifying DTI | XXX | XXX |  |
| 1307141 | 2023010771 |  | Maturity Date | XXX | XXX | verified via Note |
| 1307141 | 2023010771 |  | Note Date | XXX | XXX | Verified |
| 1307141 | 2023010771 |  | QM Status | XXX | XXX | Verified |
| 1307141 | 2023010771 |  | Qualifying DTI | XXX | XXX |  |
| 1307152 | 2023010779 |  | Maturity Date | XXX | XXX | verified via Note |
| 1307152 | 2023010779 |  | Note Date | XXX | XXX | verified |
| 1307152 | 2023010779 |  | QM Status | XXX | XXX | Verified in ce |
| 1307152 | 2023010779 |  | Qualifying DTI | XXX | XXX |  |
| 1312322 | 2023010782 |  | Maturity Date | XXX | XXX | verified via Note |
| 1312322 | 2023010782 |  | Note Date | XXX | XXX | Verified |
| 1312322 | 2023010782 |  | QM Status | XXX | XXX | Verified in ce |
| 1312322 | 2023010782 |  | Qualifying DTI | XXX | XXX |  |
| 1316701 | 2023010784 |  | Maturity Date | XXX | XXX | verified via Note |
| 1316701 | 2023010784 |  | Note Date | XXX | XXX | Verified |
| 1316701 | 2023010784 |  | QM Status | XXX | XXX | verified Business Purpose |
| 1316703 | 2023010783 |  | Maturity Date | XXX | XXX | verified via Note |
| 1316703 | 2023010783 |  | Note Date | XXX | XXX | Verified |
| 1316703 | 2023010783 |  | Property City | XXX | XXX |  |
| 1316703 | 2023010783 |  | QM Status | XXX | XXX | verified in ce |
| 1316703 | 2023010783 |  | Qualifying DTI | XXX | XXX |  |
| 1343173 | 2023010785 |  | Qualifying Credit Score | XXX | XXX | Tape data is XXX. Audited data is XXX. Audited data used middle of three scores. Equifax score is XXX, Experian score is XXX and TransUnion is XXX |
| 1343173 | 2023010785 |  | Maturity Date | XXX | XXX | Bid Tape blank.Verified with Note |
| 1343173 | 2023010785 |  | Note Date | XXX | XXX | Bid Tape blank.Verified with Note |
| 1343173 | 2023010785 |  | QM Status | XXX | XXX | verified in CE |
| 1343173 | 2023010785 |  | Qualifying DTI | XXX | XXX |  |
| 1349305 | 2023010795 |  | Maturity Date | XXX | XXX | verified |
| 1349305 | 2023010795 |  | Note Date | XXX | XXX | verified |
| 1349305 | 2023010795 |  | QM Status | XXX | XXX | Pts and fees fail & QM APR exceeded |
| 1349305 | 2023010795 |  | Qualifying DTI | XXX | XXX |  |
| 1349311 | 2023010797 |  | Self-Employment Flag | XXX | XXX |  |
| 1349311 | 2023010797 |  | DSCR | XXX | XXX | Bid tape is blank. Audited value is X.XXX. Gross Schedule Income is $X,XXX.XX divided by Monthly mortgage payment $X,XXX.XX. |
| 1349311 | 2023010797 |  | Maturity Date | XXX | XXX | Verified w/ note |
| 1349311 | 2023010797 |  | Note Date | XXX | XXX | Verified w/ note |
| 1349311 | 2023010797 |  | QM Status | XXX | XXX | Verified BP Investment |
| 1352662 | 2023010796 |  | Qualifying Credit Score | XXX | XXX | Tape data is XXX. Audited value is XXX. Auditor used middle of three scores. Equifax score is XXX. Experian score is XXX. Transunion score is XXX. |
| 1352662 | 2023010796 |  | Maturity Date | XXX | XXX | verified |
| 1352662 | 2023010796 |  | Note Date | XXX | XXX | verified |
| 1352662 | 2023010796 |  | QM Status | XXX | XXX | Verified Non-QM, GSE Fail |
| 1352662 | 2023010796 |  | Qualifying DTI | XXX | XXX |  |
| 1366845 | 2023010773 |  | Maturity Date | XXX | XXX | Verified |
| 1366845 | 2023010773 |  | Note Date | XXX | XXX | Verified |
| 1366845 | 2023010773 |  | QM Status | XXX | XXX | Verified |
| 1366845 | 2023010773 |  | Qualifying DTI | XXX | XXX |  |
| 1411941 | 2023010792 |  | Property Type | XXX | XXX | Bid tape is Attached. Audited data is Detached. Verified Property Type per appraisal as Detached. |
| 1411941 | 2023010792 |  | Maturity Date | XXX | XXX | verified via note |
| 1411941 | 2023010792 |  | Note Date | XXX | XXX | verified via note |
| 1411941 | 2023010792 |  | QM Status | XXX | XXX | Verified business purpose |
| 1410152 | 2023010794 |  | Self-Employment Flag | XXX | XXX | Verified No Ratio transaction does not require employment to be documented. |
| 1410152 | 2023010794 |  | DSCR | XXX | XXX | Verified doc type is No Ratio per Approval. DSCR not required. |
| 1410152 | 2023010794 |  | Maturity Date | XXX | XXX | Verified. |
| 1410152 | 2023010794 |  | Note Date | XXX | XXX | Verified. |
| 1410152 | 2023010794 |  | QM Status | XXX | XXX | Verified business purpose |
| 1409484 | 2023010787 |  | Maturity Date | XXX | XXX | Verified |
| 1409484 | 2023010787 |  | Note Date | XXX | XXX | Verified |
| 1409484 | 2023010787 |  | QM Status | XXX | XXX | Verified pts and fees fail |
| 1409484 | 2023010787 |  | Qualifying DTI | XXX | XXX |  |
| 1413253 | 2023010786 |  | Maturity Date | XXX | XXX | verified |
| 1413253 | 2023010786 |  | Note Date | XXX | XXX | verified |
| 1413253 | 2023010786 |  | QM Status | XXX | XXX | verified hmpl fail |
| 1413253 | 2023010786 |  | Qualifying DTI | XXX | XXX | Bid tape is XX.XXX%. Audited data is XX.XXX% DTI is verified per the UW income calculation. Total debt $X,XXX.XX / Total qualifying Income $XX,XXX.XX. |
| 1411157 | 2023010788 |  | Maturity Date | XXX | XXX | verified |
| 1411157 | 2023010788 |  | Note Date | XXX | XXX | verified |
| 1411157 | 2023010788 |  | QM Status | XXX | XXX | Verified hmpl and qm apr fail |
| 1411157 | 2023010788 |  | Qualifying DTI | XXX | XXX | Verified DTI using Final CD, hazard policy, tax confirmation, and Note reason for higher DTI is that hazard insurance was included in payment at $XXX.XX per month. |
| 1414295 | 2023010790 |  | Maturity Date | XXX | XXX | verified |
| 1414295 | 2023010790 |  | Note Date | XXX | XXX | verified |
| 1414295 | 2023010790 |  | QM Status | XXX | XXX | Verified Non-QM, GSE/HPML/Points/QM APR Fail |
| 1414295 | 2023010790 |  | Qualifying DTI | XXX | XXX |  |
| 1411161 | 2023010791 |  | Maturity Date | XXX | XXX | Verified |
| 1411161 | 2023010791 |  | Note Date | XXX | XXX | Verified |
| 1411161 | 2023010791 |  | QM Status | XXX | XXX | No compliance qm fail |
| 1411161 | 2023010791 |  | Qualifying DTI | XXX | XXX |  |
| 1414299 | 2023010793 |  | DSCR | XXX | XXX |  |
| 1414299 | 2023010793 |  | Maturity Date | XXX | XXX | verified |
| 1414299 | 2023010793 |  | Note Date | XXX | XXX | verified |
| 1414299 | 2023010793 |  | QM Status | XXX | XXX | Verified business purpose |
| 1411163 | 2023010789 |  | Maturity Date | XXX | XXX | Verified with Note |
| 1411163 | 2023010789 |  | Note Date | XXX | XXX | Verified with Note |
| 1411163 | 2023010789 |  | QM Status | XXX | XXX | Verified hpml fail, GSE set to no |
| 1411163 | 2023010789 |  | Qualifying DTI | XXX | XXX | Verified as stated on the Final XXX; rounded. |
| 1291074 | 2023010798 |  | DSCR | XXX | XXX | Verified bid tape is blank, Verified Audited Data DSCR Calculation: Market Rent: XXX.XX/PITI: X,XXX.XX=X.XX. |
| 1291074 | 2023010798 |  | Maturity Date | XXX | XXX |  |
| 1291074 | 2023010798 |  | PITI | XXX | XXX | Verified Original Data is correct: Proposed Monthly Expense: XXX.XX + Tax: XXX.XX + HOI: XXX.XX + Flood: XXX.XX =XXX.XX |
| 1291074 | 2023010798 |  | Prepayment Penalty Type | XXX | XXX | Verified |
| 1291074 | 2023010798 |  | QM Status | XXX | XXX | Verified business purpose |
| 1299921 | 2023010799 |  | Qualifying Credit Score | XXX | XXX |  |
| 1299921 | 2023010799 |  | DSCR | XXX | XXX | Original data is blank - verified DSCR of X.XXX% with the appraisal XXX form & lease rent of $XXX.XX and PITIA of $XXX.XX. |
| 1299921 | 2023010799 |  | Maturity Date | XXX | XXX |  |
| 1299921 | 2023010799 |  | PITI | XXX | XXX | Verifies Original Data of $XXX.XX is correct. Audited Data of $XXX.XX is only princial & intrest. Does not include taxes $XX.XX, insurance $XX.XX and HOA $XXX.XX. |
| 1299921 | 2023010799 |  | Prepayment Penalty Type | XXX | XXX | Verified |
| 1299921 | 2023010799 |  | QM Status | XXX | XXX | verified Business Purpose |

---

## Exhibit 99.46

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.46**

![](ex9936-004.jpg)

![](ex9936-003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **January 12, 2023**<br> **Due Diligence Narrative Report**<br>

![](ex9936-004.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **[Clayton Contact Information](#a_Toc64892277)** | **[2](#a_Toc64892277)** |
| **[Overview](#a_Toc64892278)** | **[2](#a_Toc64892278)** |
| **[Originators](#a_Toc64892279)** | **[2](#a_Toc64892279)** |
| **[Clayton's Third Party Review ("TPR") Scope of Work](#a_Toc64892280)** | **[2](#a_Toc64892280)** |
| &nbsp;&nbsp;&nbsp;[Sampling](#a_Toc64892281) | [3](#a_Toc64892281) |
| &nbsp;&nbsp;&nbsp;[Sponsor Acquisition Criteria](#a_Toc64892282) | [3](#a_Toc64892282) |
| &nbsp;&nbsp;&nbsp;[Loan Grading](#a_Toc64892283) | [3](#a_Toc64892283) |
| &nbsp;&nbsp;&nbsp;[TPR Component Review Scope](#a_Toc64892284) | [3](#a_Toc64892284) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Credit Review](#a_Toc64892285) | [4](#a_Toc64892285) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Property Valuation Review](#a_Toc64892286) | [4](#a_Toc64892286) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Regulatory Compliance Review](#a_Toc64892287) | [4](#a_Toc64892287) |
| &nbsp;&nbsp;&nbsp;[Data Integrity](#a_Toc64892288) | [7](#a_Toc64892288) |
| &nbsp;&nbsp;&nbsp;[Data Capture](#a_Toc64892289) | [7](#a_Toc64892289) |
| **[Data Compare Results](#a_Toc64892290)** | **[7](#a_Toc64892290)** |
| **[Clayton Due Diligence Results](#a_Toc64892291)** | **[8](#a_Toc64892291)** |
| **[Clayton Third Party Reports Delivered](#a_Toc64892292)** | **[9](#a_Toc64892292)** |
| **[Appendix A: Credit Review Scope](#a_Toc64892293)** | **[10](#a_Toc64892293)** |
| **[Appendix B: Origination Appraisal Assessment](#a_Toc64892294)** | **[12](#a_Toc64892294)** |
| **[Appendix C: Regulatory Compliance Review Scope](#a_Toc64892295)** | **[15](#a_Toc64892295)** |

---

 ****

 ****

AOMT 2023-1 Due Diligence Narrative Report Page \| 1 January 12, 2023

![](ex9936-004.jpg)

 ****

**Clayton Contact Information**

Client Service Management:

![*](ex9946-001.gif) **Stephany Hoffman** 

Client Service Manager

Phone: (813) 371-0269/E-mail: shoffman@clayton.com

![*](ex9946-001.gif) **Joe Ozment** 

Director of Securitization

Phone: (813) 261-0733/E-mail: jozment@clayton.com

**Overview**

Clayton conducted an independent third-party pre-securitization due diligence review of residential loans selected for the AOMT 2023-1 transaction. The loan referenced in this narrative report were reviewed in the month of 4/2019 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 1 | 100.00% |
| **Total** | **1** | **100.00%** |

---

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

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency[1](#note_ftn1) loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

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

AOMT 2023-1 Due Diligence Narrative Report Page \| 2 January 12, 2023

![](ex9936-004.jpg)

Sampling

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

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp; ***Loan Count***<br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 1 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 1 |  |

---

Sponsor Acquisition Criteria

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

Loan Grading

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

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

TPR Component Review Scope

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

AOMT 2023-1 Due Diligence Narrative Report Page \| 3 January 12, 2023

![](ex9936-004.jpg)

Credit Review

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

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

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

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

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

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

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment

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

- For more detail on the original appraisal review scope and desk review definitions, please refer to Appendix B and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis

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

- Loan had a desk review that value was supported and with-in tolerance.

Clayton had independent access to all products, as listed in Clayton valuations report.

Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

AOMT 2023-1 Due Diligence Narrative Report Page \| 4 January 12, 2023

![](ex9936-004.jpg)

<u>Compliance Review (full scope)</u> 

The scope of the compliance review performed is summarized below:

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

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

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

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a [0.2%] rate reduction threshold per discount point.

- Prepayment Penalty restrictions.

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

On, June 15th, 2016 SFA published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFA's RMBS 3.0 Due Diligence, Data

AOMT 2023-1 Due Diligence Narrative Report Page \| 5 January 12, 2023

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

<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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

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

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

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Data Integrity

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape data received from lender/client is stored in eCLAS;

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

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

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

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4. 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 Angel Oak Real Estate Investment Trust III, with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

No data discrepancies to report.

AOMT 2023-1 Due Diligence Narrative Report Page \| 7 January 12, 2023

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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

**Initial and Final Overall Loan Grade Results** 

---

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

---

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

**Initial and Final Credit Component Grade Results** 

---

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

---

AOMT 2023-1 Due Diligence Narrative Report Page \| 8 January 12, 2023

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**Initial and Final Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A |  |  |  | 1 | **1** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **0** | **0** | **0** | **1** | **1** |

---

**Initial and Final Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A |  |  |  |  | **0** |
| **Final** | B |  | 1 |  |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **0** | **1** | **0** | **0** | **1** |

---

**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. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Valuations Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. ASF Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Rating Agency ATR/QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Waived Conditions Summary

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

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**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

- Non- occupant co-borrower

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

- Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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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;▪ 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

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

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

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

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

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

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

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

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

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

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

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

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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

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

- Confirmed that any required insurance was for the:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct lender

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

- Confirmed that the mortgagee clause listed the 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

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

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

**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:

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

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

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

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

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

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

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

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

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

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

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

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

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

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

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

**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:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope"

&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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the 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;· 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:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance 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;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

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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;· 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.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

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**<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) |
| &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:

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

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

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

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

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

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

---

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

---

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

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

---

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

---

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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

AOMT 2023-1 Due Diligence Narrative Report Page \| 21 January 12, 2023

## Exhibit 99.47

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.47**

---

| | |
|:---|:---|
| **Client Name:** | **Angel Oak** |
| **Client Project Name:** | **AOMT 2023-1** |
| **Start - End Dates:** | **4/9/2019** |
| **Deal Loan Count:** | **1** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *1* |
| ***Loans with Conditions:*** | *1* |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** | **Sample group** | **Discrepancy Comments** | **Client** | **Deal** |
| 2023010113 | XXX | Debt to Income Ratio (Back) | XXX | XXX | XXX | Rounding | XXX | XXX |
|©2023 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. |©2023 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. |©2023 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. |©2023 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. |©2023 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. |©2023 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. |©2023 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. |©2023 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. |©2023 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 99.48

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.48**

---

| | |
|:---|:---|
| **Client Name:** | Angel Oak |
| **Client Project Name:** | AOMT 2023-1 |
| **Start - End Dates:** | 4/9/2019 |
| **Deal Loan Count:** | 1 |
| **Valuations Summary** | **Valuations Summary** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **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** | **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** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **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** |
| 2023010113 | 300001058 | XXX | XXX | XXX | XXX | XXX | 1004 SFR (Mar 05) |  |  |  | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |

---

## Exhibit 99.49

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.49**

---

| | |
|:---|:---|
| **Client Name:** | **Angel Oak** |
| **Client Project Name:** | **AOMT 2023-1** |
| **Start - End Dates:** | **4/9/2019** |
| **Deal Loan Count:** | **1** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Assets | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | 1 |
| **Total** |  |  |  | **1** |
| <br>©2023 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. | <br>©2023 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. | <br>©2023 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. | <br>©2023 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. | <br>©2023 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 99.50

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.50**

---

| | |
|:---|:---|
| **Client Name:** | **Angel Oak** |
| **Client Project Name:** | **AOMT 2023-1** |
| **Start - End Dates:** | **4/9/2019** |
| **Deal Loan Count:** | **1** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *1* |
| ***Loans with Conditions:*** | *1* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **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** |
| 2023010113 | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Compliance | RESPA | Active B | CMPRESPA2704 | RESPA - List of homeowners counseling organizations not compliant | No | List of homeowners counseling organizations not compliant due to only borrower's acknowledgment in file but actual list of XX organizations missing. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFSXXX: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Reserves $XX,XXX.XX or X.XX months. X months reserves required ($X,XXX.XX x X = $XX,XXX.XX) Remaining $XX,XXX.XX.<br>CFCFSXXX: Credit score exceeds guidelines<br> - XXX Comments: Credit Score XXX exceeds guidelines XXX. |
| 2023010113 | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Compliance | TILA/RESPA Integrated Disclosure | Active B | CMPTRID4287 | TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section | No | CD: XX/XX/XXX-X [Last CD] - The difference of $XX,XXX.XX between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower amount of $XXX.XX in the Calculating Cash to Close section. | XX/XX/XXX Lender provided LOX why Funds from borrower increased. However, personal payoff should be included on CCTC table in Adjustment section and not in Funds from borrower section. Condition pending receiving corrected Post CD, LOX and proof of delivery to borrower. Exception remains. | (No Data) | Numeric | Not Applicable | CFCFSXXX: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Reserves $XX,XXX.XX or X.XX months. X months reserves required ($X,XXX.XX x X = $XX,XXX.XX) Remaining $XX,XXX.XX.<br>CFCFSXXX: Credit score exceeds guidelines<br> - XXX Comments: Credit Score XXX exceeds guidelines XXX. |
| 2023010113 | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Compliance | TILA/RESPA Integrated Disclosure | Active B | CMPTRID4463 | TRID - Assumption selection on the CD does not match the clause in the mortgage. | No | Assumption selection on the CD does not match the clause in the mortgage. Per ARM Rider loan is assumable upon approval after initial fixed period. | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFSXXX: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Reserves $XX,XXX.XX or X.XX months. X months reserves required ($X,XXX.XX x X = $XX,XXX.XX) Remaining $XX,XXX.XX.<br>CFCFSXXX: Credit score exceeds guidelines<br> - XXX Comments: Credit Score XXX exceeds guidelines XXX. |
| 2023010113 | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Credit | Assets | Waived D B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Source of funds to close and cash reserves are coming from business bank account. LOE and articles of organization in file show borrower is a co-owner only. Per guidelines:Funds from the Borrowers business checking and savings accounts may be used for down payment, closing costs and reserves if: The borrower is the sole proprietor or XXX% owner of the business (A business not owned solely by the Borrower may be considered on a case-by-case basis.) No lender exception in file. | X/XX/XXX - Lender provided LOE from XXX stating Co-Owner of company and is allowed access to business funds. Per guidelines, Borrower is not XXX% owner and must be granted on a case by case basis and no CRE exception in file. Exception remains.X/XX/XXX- Client provided approved exception request as not meeting the XXX% access when not XXX% owner of the business. | X/XX/XXX- Upon further review by Senior Underwriter, exception deemed Non-Material due to X.XX months of PITIA reserves, residual income of $X,XXX.XX and mortgage payment history is X x XX @ XX months. XXX final grade B. | (No Data) | Not Applicable | CFCFSXXX: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Reserves $XX,XXX.XX or X.XX months. X months reserves required ($X,XXX.XX x X = $XX,XXX.XX) Remaining $XX,XXX.XX.<br>CFCFSXXX: Credit score exceeds guidelines<br> - XXX Comments: Credit Score XXX exceeds guidelines XXX. |
| 2023010113 | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing secondary valuation for securitization supporting appraised value of $XXX,XXX | X.XX.XX Clear Capital Desk Review received valued at $XXX,XXX dated X.XX.XX, value supported. | X.XX.XX Exception Satisfied. | (No Data) | Not Applicable | CFCFSXXX: Verified cash reserves exceed guidelines<br> - XXX Comments: Post Close Reserves $XX,XXX.XX or X.XX months. X months reserves required ($X,XXX.XX x X = $XX,XXX.XX) Remaining $XX,XXX.XX.<br>CFCFSXXX: Credit score exceeds guidelines<br> - XXX Comments: Credit Score XXX exceeds guidelines XXX. |

---

## Exhibit 99.51

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.51**

![](ex99-51_001.jpg)

**EXECUTIVE SUMMARY<br> THIRD PARTY DUE DILIGENCE REVIEW**

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third party due diligence provider, performed the review described below on behalf of its client, ("Angel Oak Real Estate Investment Trust III"). The review included a total of 10 newly originated, QM/ATR Exempt and Non-QM residential mortgage loans, in connection with the securitization identified as ("AOMT 2023-1") (the "Securitization"). The review began on November 17, 2021, and concluded on April 8, 2022.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application,
final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions have been satisfied prior to
closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

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

&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. Compare for conflicting 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;ii. Check dates for document expiration

&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. Complete forms and documentation

&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. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against re-verification 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;ii. W-2s and Paystubs, 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;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, 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;v. Bank Statements or other Alternate Income documents as required by the guidelines

&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. Consistent/Continuing Employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&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. Confirm adequate funds to cover required down payment and closing costs and reserves

&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. Check dates for document expiration

&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. Sufficient funds were sourced and seasoned

&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. Gift funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required
signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Service Provider will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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, excluding investment properties, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated based
on the applicable investor guidelines;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Service Provider will review applicable mortgage loans for compliance with the ATR and QM rule requirements
based upon each mortgage loan's originator designation of QM, Non-QM, or exempt from ATR. (Service Provider determines the mortgage
loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Service Provider
notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally,
Service Provider notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Service Provider utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Service Provider 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) 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, Service Provider 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Service
Provider then determines whether the mortgage loan is a Safe Harbor QM or QM Rebuttable Presumption 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.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above,
Service Provider then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements, as
defined within the applicable underwriting guidelines, and provides a due diligence designation of Non-QM indicating compliant, ATR risk
indicating it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Service Provider 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 will verify such information
using reasonably reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
to close and required reserves, to Confirm that the borrower has current or reasonably expected income or assets (other than the value
of the property that secures the Loan) that the borrower will rely on to repay the Loan.

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

&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. Employment - Review file documentation for required level of employment

&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. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used to
calculate projected monthly mortgage payment.

&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. Simultaneous Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI")
calculation, to properly assess the ability to repay.

&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. Mortgage-Related Obligations - Validate that the subject Loan monthly payment calculation includes principle,
interest, taxes, and insurance ("PITI"), as well as other costs related to the property such as homeowners' association
("HOA") fees, private mortgage insurance ("PMI"), ground rental fees, etc.

&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. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&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. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual income," based
upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation provided in the
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;viii. DSCR – review of Rental Income and / or market rents and validation of DSCR calculation

&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. Credit History - Review credit report for credit history and required credit depth, including any /
all inquiries, and Determine a representative credit score from the credit report

 **Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

MaxDiligence performed a "Valuation Review," which included the following:

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Additional valuation products (AVM's, CDA's
 and Field reviews) were obtained to confirm the value was supported within 10% tolerance. This population was
 obtained by the client and ordered by MaxDiligence.

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

**Data Discrepancy**

As part of the Credit and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process. No data discrepancies were found.

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp; Original Principal Balance | &nbsp;&nbsp;Percent of<br> Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;9 | $&nbsp;&nbsp;6648550.00 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;1 | $&nbsp;&nbsp;96000.00 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;10 | $&nbsp;&nbsp;6744550.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp; Original Principal Balance | &nbsp;&nbsp;Percent of<br> Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;9 | $&nbsp;&nbsp;6648550.00 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;1 | $&nbsp;&nbsp;96000.00 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;10 | $&nbsp;&nbsp;6744550.00 | &nbsp;&nbsp;100.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp; Original Principal Balance | &nbsp;&nbsp;Percent of<br> Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;10 | $&nbsp;&nbsp;6744550.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;10 | $&nbsp;&nbsp;6744550.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp; Original Principal Balance | &nbsp;&nbsp;Percent of<br> Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;10 | $&nbsp;&nbsp;6744550.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | $&nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;10 | $&nbsp;&nbsp;6744550.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions:**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.52

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.52**

![](maxwelllogo.jpg)

Angel Oak <br> AOMT 2023-1 <br> 1/5/2023

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| 2023011017 |  |  | XXX | XXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 2023011016 |  |  | XXX | XXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 2023011008 |  |  | XXX | XXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 2023011009 |  |  | XXX | XXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| 2023011010 |  |  | XXX | XXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| 2023011014 |  |  | XXX | XXX | 3 | 1 | 2 | 1 | 3 | 1 | 1 | 1 B A |
| 2023011015 |  |  | XXX | XXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 2023011012 |  |  | XXX | XXX | 2 | 1 | 1 | 1 | 1 | 1 | 2 | 1 B A |
| 2023011013 |  |  | XXX | XXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| 2023011011 |  |  | XXX | XXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.53

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.53**

![](maxwelllogo.jpg)

Angel Oak <br> AOMT 2023-1 <br> 1/5/2023

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW** | **DESK REVIEW** | **DESK REVIEW** | **DESK REVIEW** | **DESK REVIEW** | **DESK REVIEW** | **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** | **AVE/CMA Values** | **AVE/CMA Values** | **AVE/CMA Values** | **AVE/CMA Values** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** |  |  |  |  |
| **LoanRecordID** | **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 Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA 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** |
| 56813 | 2023011017 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 56824 | 2023011016 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 63654 | 2023011008 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 63660 | 2023011009 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 63680 | 2023011010 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 73688 | 2023011014 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 73692 | 2023011015 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 73695 | 2023011012 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 73698 | 2023011013 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 86852 | 2023011011 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |

---

## Exhibit 99.54

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.54**

![](maxwelllogo.jpg)

Angel Oak <br> AOMT 2023-1 <br> 1/5/2023

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 2023011017 |  |  | XXX | XXX | XXX | XXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 1 of 3 | XXX | Credit | Title Coverage is Less than Subject Lien(s) Total | Title coverage is less than total amount of subject lien(s). Title Coverage Amount of $X is Less than Total Amount of Subject Lien(s) of $XXX. The loan file Title Coverage Amount of $X is Less than Total Amount of Subject Lien(s) of $XXX,XXX.XX preliminary/Supplement or Final report is missing the coverage. <br>|  |  | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien(s) $XXX+X+X - XXX<br>|  | XXX | Resolved | 3 | 1 | 3 | 1 |
| 2023011017 |  |  | XXX | XXX | XXX | XXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 2 of 3 | XXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 3 | 1 |
| 2023011017 |  |  | XXX | XXX | XXX | XXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 3 of 3 | XXX | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 3 | 1 |
| 2023011016 |  |  | XXX | XXX | XXX | XXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXX | 1 of 3 | XXX | Credit | Title Coverage is Less than Subject Lien(s) Total | Title coverage is less than total amount of subject lien(s). Title Coverage Amount of $X is Less than Total Amount of Subject Lien(s) of $XXX.XX. The loan file Title Coverage Amount of $X is Less than Total Amount of Subject Lien(s) of $XXX,XXX.XX preliminary/Supplement or Final report is missing the coverage. <br>|  |  | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien(s) $XXX.XX+X+X - XXX<br>|  | XXX | Resolved | 3 | 1 | 3 | 1 |
| 2023011016 |  |  | XXX | XXX | XXX | XXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXX | 2 of 3 | XXX | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 3 | 1 |
| 2023011016 |  |  | XXX | XXX | XXX | XXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXX | 3 of 3 | XXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 3 | 1 |
| 2023011008 |  | 3113012794 | XXX | XXX | XXX | XXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 1 of 4 | XXX | Credit | Asset 2 Less Than 2 Months Verified | Asset has less than X months verified in file. Asset X Less Than X Months Verified Per guidelines (X.XX.X Verification of Assets) Complete copies of bank statements or investment portfolio statements from the most recent two months prior to the application date are required. The borrower only provided X month of bank statement from xxxx ending in XXX. Please provide an additional month of asset statements. <br>|  |  | Asset X Verified Sufficiently Or Not Applicable - XXX<br>|  | XXX | Resolved | 3 | 1 | 3 | 1 |
| 2023011008 |  | 3113012794 | XXX | XXX | XXX | XXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 2 of 4 | XXX | Credit | Flood Insurance Policy Missing | Missing flood insurance policy. Missing Flood Insurance Policy. The property is located in a flood zone per the flood cert. The flood insurance policy is missing from the file. <br>|  |  | Documentation provided was sufficient. - XXX<br>|  | XXX | Resolved | 3 | 1 | 3 | 1 |
| 2023011008 |  | 3113012794 | XXX | XXX | XXX | XXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 3 of 4 | XXX | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 3 | 1 |
| 2023011008 |  | 3113012794 | XXX | XXX | XXX | XXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 4 of 4 | XXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 3 | 1 |
| 2023011009 |  | 3113012840 | XXX | XXX | XXX | XXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 1 of 4 | XXX | Compliance | Missing Doc - Affiliated Business Disclosure/Missing | Required Affiliated Business Disclosure missing <br>|  |  | Required Affiliated Business Disclosure Resolved - XXX<br>|  | XXX | Resolved | 3 | 1 | 3 | 1 |
| 2023011009 |  | 3113012840 | XXX | XXX | XXX | XXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 2 of 4 | XXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 3 | 1 |
| 2023011009 |  | 3113012840 | XXX | XXX | XXX | XXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 3 of 4 | XXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines (X.X.XX FORBEARANCE, DEFERRED PAYMENTS, MODIFICATIONS), mortgage loan modification are unacceptable credit events and disqualifies borrower(s) from financing. Per the credit report dated XX/X/XXX, the borrowers' mortgage, which is their primary) with XXX has been modified. An exception was not located in the loan file. <br>|  |  | Documentation provided was sufficient. - XXX<br>|  | XXX | Resolved | 3 | 1 | 3 | 1 |
| 2023011009 |  | 3113012840 | XXX | XXX | XXX | XXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 4 of 4 | XXX | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 3 | 1 |
| 2023011010 |  | 6100290384 | XXX | XXX | XXX | XXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXX | 1 of 3 | XXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 3 | 2 |
| 2023011010 |  | 6100290384 | XXX | XXX | XXX | XXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXX | 2 of 3 | XXX | Credit | Audited Loan Amount is less than Guideline Maximum Loan Amount | Audited loan amount is less than the guideline Minimum loan amount. Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX The file did not include an exception for the loan size on this DSCR cash out Refinance. . <br>|  |  |  | 33 years of credit depth, 27 years of mortgage history all paid as agreed. Experienced investor with 22 properties. 9 months verified reserves. | XXX | Waived | 3 | 2 | 3 | 2 |
| 2023011010 |  | 6100290384 | XXX | XXX | XXX | XXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXX | 3 of 3 | XXX | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 3 | 2 |
| 2023011014 |  |  | XXX | XXX | XXX | XXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 1 of 4 | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Purchase Contract expiration date is prior to Note date. Purchase contract close of escrow provided was not signed by the sellers <br>|  |  | Documentation provided was sufficient. - XXX<br>|  | XXX | Resolved | 2 | 1 | 3 | 1 |
| 2023011014 |  |  | XXX | XXX | XXX | XXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 2 of 4 | XXX | Credit | AUS (Manual) - Missing | A Manual Underwrite was required, but not in evidence in the file. Missing AUS showing ineligible results to support the information on the XXX <br>|  |  | Documentation provided was sufficient. - XXX<br>|  | XXX | Resolved | 2 | 1 | 3 | 1 |
| 2023011014 |  |  | XXX | XXX | XXX | XXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 3 of 4 | XXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 3 | 1 |
| 2023011014 |  |  | XXX | XXX | XXX | XXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 4 of 4 | XXX | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 3 | 1 |
| 2023011015 |  |  | XXX | XXX | XXX | XXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXX | 1 of 3 | XXX | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 3 | 1 |
| 2023011015 |  |  | XXX | XXX | XXX | XXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXX | 2 of 3 | XXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 3 | 1 |
| 2023011015 |  |  | XXX | XXX | XXX | XXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXX | 3 of 3 | XXX | Credit | Title Coverage is Less than Subject Lien(s) Total | Title coverage is less than total amount of subject lien(s). Title coverage amount of $X is less than total amount of subject lien(s) of $XXX. The loan file Title Coverage Amount of $X is Less than Total Amount of Subject Lien(s) of XXX,XXX.XX preliminary/Supplement or Final report is missing the coverage. <br>|  |  | Documentation provided was sufficient. - XXX<br>|  | XXX | Resolved | 3 | 1 | 3 | 1 |
| 2023011012 |  |  | XXX | XXX | XXX | XXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXX | 1 of 3 | XXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 2 | 1 |
| 2023011012 |  |  | XXX | XXX | XXX | XXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXX | 2 of 3 | XXX | Property | Appraisal - Other | There are additional appraisal findings. The address on the appraisal (XXX) does not match the address on the Note (XXX) |  |  | Documentation provided was sufficient. - XXX<br>|  | XXX | Resolved | 2 | 1 | 2 | 1 |
| 2023011012 |  |  | XXX | XXX | XXX | XXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXX | 3 of 3 | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 2 | 1 |
| 2023011013 |  |  | XXX | XXX | XXX | XXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 1 of 3 | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 1 | 1 |
| 2023011013 |  |  | XXX | XXX | XXX | XXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 2 of 3 | XXX | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 1 | 1 |
| 2023011013 |  |  | XXX | XXX | XXX | XXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 3 of 3 | XXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 1 | 1 |
| 2023011011 |  | XXX | XXX | XXX | XXX | XXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 1 of 3 | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 1 | 1 |
| 2023011011 |  | XXX | XXX | XXX | XXX | XXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 2 of 3 | XXX | Property | Value - Value is supported within 10% of original appraisal amount | The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 1 | 1 |
| 2023011011 |  | XXX | XXX | XXX | XXX | XXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | 3 of 3 | XXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXX | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.55

[AOMT 2023-1 ABS-15G](aomt-abs15g_011723.htm)

**Exhibit 99.55**

![](maxwelllogo.jpg)

Angel Oak <br> AOMT 2023-1 <br> 1/5/2023

---

| | | | |
|:---|:---|:---|:---|
| **Field Name** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** |
| AmortizationType | 0 | 10 | 0% |
| B1Citizen | 0 | 10 | 0% |
| B1LastName | 0 | 10 | 0% |
| BaseCLTV | 0 | 10 | 0% |
| BaseLoanAmount | 0 | 10 | 0% |
| BaseLTV | 0 | 10 | 0% |
| CLTV | 0 | 10 | 0% |
| CurrentInterestRate | 0 | 10 | 0% |
| CurrentUnpaidBalance | 0 | 10 | 0% |
| DSCR | 0 | 10 | 0% |
| FirstPaymentDate | 0 | 10 | 0% |
| InitialMonthlyPIOrIOPayment | 0 | 10 | 0% |
| InterestOnlyFlag | 0 | 10 | 0% |
| InterestOnlyTerm | 0 | 10 | 0% |
| InterestRate | 0 | 10 | 0% |
| LienPosition | 0 | 10 | 0% |
| LoanAmount | 0 | 10 | 0% |
| LoanOriginatorNameLenderCreditor | 0 | 10 | 0% |
| LoanProgram | 0 | 10 | 0% |
| LoanPurpose | 0 | 10 | 0% |
| LTV | 0 | 10 | 0% |
| Margin | 0 | 10 | 0% |
| MortgageOriginationChannel | 0 | 10 | 0% |
| NoteDate | 0 | 10 | 0% |
| NumberofUnits | 0 | 10 | 0% |
| Occupancy | 0 | 10 | 0% |
| OriginatorDTI | 0 | 10 | 0% |
| PrepaymentPenaltyFlag | 0 | 10 | 0% |
| PrepaymentPenaltyTotalTerm | 0 | 10 | 0% |
| PropertyAddress | 0 | 10 | 0% |
| PropertyCity | 0 | 10 | 0% |
| PropertyState | 0 | 10 | 0% |
| PropertyType | 0 | 10 | 0% |
| PropertyZipCode | 0 | 10 | 0% |
| RefinanceType | 0 | 10 | 0% |
| SellerLoanID | 0 | 10 | 0% |
| Term | 0 | 10 | 0% |
| **Total** | **0** | **370** | **0%** |

---