# EDGAR Filing Document

**Accession Number:** 0001176320
**File Stem:** 0001104659-23-027126
**Filing Date:** 2023-3
**Character Count:** 1676867
**Document Hash:** e24b27e7af344e6be8404bce54e1e446
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-23-027126.hdr.sgml**: 20230301

**ACCESSION NUMBER**: 0001104659-23-027126

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

**PUBLIC DOCUMENT COUNT**: 18

**CONFORMED PERIOD OF REPORT**: 20230301

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

**FILED AS OF DATE**: 20230301

**DATE AS OF CHANGE**: 20230301

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02354
- **FILM NUMBER:** 23691197

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

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

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

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

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

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

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

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

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

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

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

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

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

Commission File Number of securitizer: ______________

<br> Central Index Key Number of securitizer: ______________

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

contact in connection with this filing.

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

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

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

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

Central Index Key Number of depositor: 0001176320

Central Index Key Number of sponsor: N/A

<u>Sequoia Mortgage Trust 2023-2</u>

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

Central Index Key Number of issuing entity (if applicable): 0001966944

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

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

contact in connection with this filing.

**INFORMATION TO BE INCLUDED IN THE REPORT**

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

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

**SIGNATURES**

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

Dated: March 1, 2023

SEQUOIA RESIDENTIAL FUNDING, INC.

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

By: <u>/s/ Jeremy Strom</u> 

Name: Jeremy Strom<br> Title: President and Senior Officer in Charge of Securitization

**EXHIBIT INDEX**

<u>Exhibit Number</u>

---

| | |
|:---|:---|
| [99.1](tm237654d1_ex99-1.htm) | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm237654d1_ex99-1.htm) |
| [99.2](tm237654d1_ex99-2.htm) | [Clayton Loan Level Tape Compare Upload](tm237654d1_ex99-2.htm) |
| [99.3](tm237654d1_ex99-3.htm) | [Clayton Rating Agency ATR QM Data Fields](tm237654d1_ex99-3.htm) |
| [99.4](tm237654d1_ex99-4.htm) | [Clayton ATR QM Upload](tm237654d1_ex99-4.htm) |
| [99.5](tm237654d1_ex99-5.htm) | [Clayton Valuations Summary](tm237654d1_ex99-5.htm) |
| [99.6](tm237654d1_ex99-6.htm) | [Clayton Conditions Report 2.0](tm237654d1_ex99-6.htm) |
| [99.7](tm237654d1_ex99-7.htm) | [Clayton Waived Conditions Summary](tm237654d1_ex99-7.htm) |
| [99.8](tm237654d1_ex99-8.htm) | [Canopy Financial Technology Partners LLC ("Canopy") Executive Summary](tm237654d1_ex99-8.htm) |
| [99.9](tm237654d1_ex99-9.htm) | [Canopy Securitization Report Set](tm237654d1_ex99-9.htm) |
| [99.10](tm237654d1_ex99-10.htm) | [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm237654d1_ex99-10.htm) |
| [99.11](tm237654d1_ex99-11.htm) | [AMC Loan Securitization Report Set](tm237654d1_ex99-11.htm) |

---

## Exhibit 99.1

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

![](image_001.jpg)

SEMT 2023-2

![](image_002.jpg)

**Due Diligence Narrative Report**<br> **February 17, 2023**<br>

![](image_003.jpg)

---

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

---

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 1** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

**Clayton Contact Information**

**Client Service Management:** 

---

| | |
|:---|:---|
| **Chris Turk** | Client Service Manager |
|  | Phone: (813) 261-8905/E-mail: cturk@clayton.com |
| **Joe Ozment** | Director of Securitization |
|  | Phone: (813) 261-0733/E-mail: jozment@clayton.com |

---

**Overview**

On behalf of Barclays Capital, Inc., Clayton conducted an independent third-party pre-securitization due diligence review of 16 residential loans selected for the SEMT 2023-2 transaction. These loans were subsequently sold to Redwood Trust under a Reliance Letter transaction.

On behalf of Everbank, Clayton conducted an independent third-party pre-securitization due diligence review of 9 residential loans selected for the SEMT 2023-2 transaction. These loans were subsequently sold to Redwood Trust under a Reliance Letter transaction.

On behalf of UBS Securities, LLC, Clayton conducted an independent third-party pre-securitization due diligence review of 1 residential loan selected for the SEMT 2023-2 transaction. This loan was subsequently sold to Redwood Trust under a Reliance Letter transaction.

On behalf of Redwood Trust, Clayton conducted an independent third-party pre-securitization due diligence review of 256 residential loans selected for the SEMT 2023-2 transaction.

The loans referenced in this narrative report were reviewed on a flow basis from August 2012 to January 2023 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 | 68 | 24.11% |
| Correspondent | 10 | 3.55% |
| Retail | 204 | 72.34% |
| **Total** | **282** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 2** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

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

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

Sampling

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

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp; ***Loan Count***<br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 282 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Limited Review** | 23 | &nbsp;&nbsp; Redwood Trust elected to have Clayton conduct a Limited Review in lieu of a Full Review on selected loans. This review was beyond the required minimum sample. The Limited Review consisted of a data capture and document assessment of the Final 1003 (Loan Application), Credit Report, Appraisal, Final HUD-1, Title Policy, Deed of Trust/Mortgage, Note and Purchase Contract. Loan grading was not applied to Limited Review loans. *The Clayton Review Results section of this narrative report does <u>not</u> include any loans from the Limited Review.*<br>If any required documents were missing, Clayton submitted appropriate conditions to Redwood Trust. Redwood Trust was responsible for obtaining any missing documents from its sellers in order to clear document conditions on Limited Reviews. |
| **Total Loan Population** | 305 |  |

---

Sponsor Acquisition Criteria

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

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

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 3** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

Loan Grading

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

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

Credit Review

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed asset statements in order to determine whether funds to close and reserves were within 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 risk evaluation report, which was ordered and received by Clayton for income, employment,
Nationwide Multistate Licensing System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert information
against loan documentation and assigned loan conditions accordingly.

Property Valuation Review

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

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

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 4** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

&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.

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

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

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

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

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.

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 all loans in the pool. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q.

&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. However, client reserves the right to review on a case-by- case basis.

- Prepayment Penalty restrictions.

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

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 5** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

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

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

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

Data Capture

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

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

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 6** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

**Data Compare Results**

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

Summary of data compare results**:**

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
| Combined LTV | 10 | 96.45% |
| Debt to Income Ratio (Back) | 121 | 57.09% |
| Loan Purpose | 3 | 98.94% |
| Original Balance | 21 | 92.55% |
| Original LTV | 9 | 96.81% |
| Representative Credit Score for Grading | 24 | 91.49% |

---

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

---

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

---

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 7** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 68 | 7 | 29 | 65 | **169** |
| **Final** | **B** |  | 23 | 34 | 55 | **112** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  | 1 | **1** |
| **Final** | **Total** | **68** | **30** | **63** | **121** | **282** |

---

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 | 126 | 11 | 24 | 43 | **204** |
| **Final** | B |  | 32 | 20 | 26 | **78** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **126** | **43** | **44** | **69** | **282** |

---

**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 | 236 | 1 | 5 | 35 | **277** |
| **Final** | B |  | 1 | 1 | 2 | **4** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  | 1 | **1** |
| **Final** | **Total** | **236** | **2** | **6** | **38** | **282** |

---

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 8** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

**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 | 171 | 3 | 35 | 30 | **239** |
| **Final** | B |  | 9 | 22 | 11 | **42** |
| **Final** | C |  |  | 1 |  | **1** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **171** | **12** | **58** | **41** | **282** |

---

**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. Attestation Forms

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 9** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

- Non- occupant co-borrower

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

- Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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

&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

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 10** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_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;▪ 1099

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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

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

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 11** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

- 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

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

- Determined if mortgage insurance is required

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

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

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 12** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

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

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

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

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

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

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

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

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

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

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

- 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

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 13** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

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

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

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

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

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

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

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

&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

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 14** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

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.

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

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 15** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

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

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

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

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

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

&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 all loans in the pool, confirm the loan file
contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR
requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q.

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 16** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

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

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

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

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

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

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

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

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

---

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

---

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 17** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

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

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

---

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

&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.

---

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

---

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 18** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

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

---

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

![](image_003.jpg)

**<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.

---

| | | |
|:---|:---|:---|
| SEMT 2023-2 Due Diligence Narrative Report | **Page \| 20** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;February 17, 2023 |

---

## Exhibit 99.2

**EXHIBIT 99.2 CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD** 

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-2** |
| **Start - End Dates:** | **8/23/2012 - 1/3/2023** |
| **Deal Loan Count:** | **282** |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *254* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 408020904 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408022638 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408069685 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408069693 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070039 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070507 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070528 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070536 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070551 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408070562 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070596 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408070596 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408070633 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070648 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070716 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070739 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070740 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070742 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070747 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070781 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070784 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070794 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070822 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408070822 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070822 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408070822 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408070822 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408070865 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070907 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408070920 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408070920 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408070954 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408070961 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071019 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071027 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071027 | XXXXX | Loan Purpose | XXXXX | XXXXX |
| 408071058 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071058 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408071082 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071126 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408071126 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071126 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408071126 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408071139 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071139 | XXXXX | Loan Purpose | XXXXX | XXXXX |
| 408071161 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071202 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071241 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071243 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071250 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071288 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408071288 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408071327 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071360 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071360 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408071372 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071378 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408071462 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071574 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408071574 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408071574 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408071574 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408071592 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071597 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071634 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071641 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071663 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071686 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071724 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071726 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408071757 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408071765 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071773 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408071780 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071781 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071792 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071817 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408071817 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408071817 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408071824 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408071824 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408071829 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071833 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071833 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408071833 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408071856 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071858 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408071876 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408071988 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408071998 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072033 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072073 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072081 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072127 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072127 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072129 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072264 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072307 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072307 | XXXXX | Loan Purpose | XXXXX | XXXXX |
| 408072350 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072352 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072377 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408072377 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072377 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408072377 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408072377 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072394 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072403 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072438 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408072438 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408072438 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072446 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408072446 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072520 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072594 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072649 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072668 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072716 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072716 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408072716 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408072725 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072725 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408072749 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072767 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072788 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072871 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072892 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072907 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072950 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408072957 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073036 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073040 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073045 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073045 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408073046 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073058 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073083 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073088 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073133 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073138 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073173 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073174 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408073176 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073182 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073265 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073274 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408073274 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408073274 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408073331 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073354 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073425 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073429 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073433 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073451 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073452 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073455 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408073475 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408073488 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073499 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073504 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073519 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073530 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073563 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073567 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073567 | XXXXX | Original Balance | XXXXX | XXXXX |
| 408073567 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408073581 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073597 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073626 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073638 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 408073675 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 408073675 | XXXXX | Original LTV | XXXXX | XXXXX |
| 408073692 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073737 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073747 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 408073784 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 12XXXXXX93 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 12XXXXXX58 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 12XXXXXX58 | XXXXX | Original LTV | XXXXX | XXXXX |
| 12XXXXXX58 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 15XXXXXX06 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 15XXXXXX09 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 15XXXXXX10 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 15XXXXXX96 | XXXXX | Representative Credit Score for Grading | XXXXX | XXXXX |
| 15XXXXXX29 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 15XXXXXX66 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 15XXXXXX60 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 17XXXXXX16 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |

---

©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 99.3

**EXHIBIT 99.3 CLAYTON RATING AGENCY ATR QM DATA FIELDS**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-2** |
| **Start - End Dates:** | **8/23/2012 - 1/3/2023** |
| **Deal Loan Count:** | **282** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *282* |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** |
| 10000019297 | ATR/QM: Not Applicable | Yes | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 10000019302 | ATR/QM: Not Applicable | Yes | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 12XXXXXX93 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 12XXXXXX57 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 12XXXXXX67 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 12XXXXXX58 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 15XXXXXX06 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 15XXXXXX09 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 15XXXXXX10 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 15XXXXXX96 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 15XXXXXX11 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 15XXXXXX38 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 15XXXXXX29 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 15XXXXXX91 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 15XXXXXX66 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 15XXXXXX60 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 17XXXXXX51 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 17XXXXXX16 | (No Data) | (No Data) | No | XXXXXX | XXXXXX | (No Data) | No | 0 | XXXXXX |
| 406045387 | QM: Safe Harbor | No | No | XXXXXX | XXXXXX | No | Yes | 814.5 | XXXXXX |
| 408020904 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 1295 | XXXXXX |
| 408022102 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 2709.25 | XXXXXX |
| 408022120 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 1521 | XXXXXX |
| 408022135 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 4105.2 | XXXXXX |
| 408022137 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 1600 | XXXXXX |
| 408022171 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 893.22 | XXXXXX |
| 408022174 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 1037.04 | XXXXXX |
| 408022180 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 575.88 | XXXXXX |
| 408022186 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 995 | XXXXXX |
| 408022206 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 3265 | XXXXXX |
| 408022229 | QM: GSE Temporary - QM/SH | No | Yes | XXXXXX | XXXXXX | No | Yes | 14320 | XXXXXX |
| 408022281 | QM: GSE Temporary - QM/SH | No | Yes | XXXXXX | XXXXXX | No | Yes | 10615 | XXXXXX |
| 408022293 | QM: GSE Temporary - QM/SH | No | Yes | XXXXXX | XXXXXX | No | Yes | 6000 | XXXXXX |
| 408022323 | QM: GSE Temporary - QM/SH | No | Yes | XXXXXX | XXXXXX | No | Yes | 3175 | XXXXXX |
| 408022638 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 1195 | XXXXXX |
| 408064092 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2409 | XXXXXX |
| 408067379 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1195 | XXXXXX |
| 408068568 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1515 | XXXXXX |
| 408068650 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1395 | XXXXXX |
| 408069598 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14036.69 | XXXXXX |
| 408069685 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 26712 | XXXXXX |
| 408069693 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5354.8 | XXXXXX |
| 408069970 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4621.83 | XXXXXX |
| 408070034 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1482 | XXXXXX |
| 408070039 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 22342.5 | XXXXXX |
| 408070507 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5595 | XXXXXX |
| 408070528 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5026.33 | XXXXXX |
| 408070536 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1395 | XXXXXX |
| 408070551 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4080.4 | XXXXXX |
| 408070562 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 18250 | XXXXXX |
| 408070596 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2633.55 | XXXXXX |
| 408070633 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1542 | XXXXXX |
| 408070648 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1338 | XXXXXX |
| 408070716 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2362 | XXXXXX |
| 408070733 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11575 | XXXXXX |
| 408070739 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1095 | XXXXXX |
| 408070740 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2160 | XXXXXX |
| 408070742 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1644 | XXXXXX |
| 408070747 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | No | 1115 | XXXXXX |
| 408070748 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1497 | XXXXXX |
| 408070777 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 950 | XXXXXX |
| 408070781 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5140 | XXXXXX |
| 408070784 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 13595 | XXXXXX |
| 408070794 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1395 | XXXXXX |
| 408070822 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11725 | XXXXXX |
| 408070846 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2124 | XXXXXX |
| 408070865 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 16095 | XXXXXX |
| 408070875 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 16545.92 | XXXXXX |
| 408070907 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 12005.5 | XXXXXX |
| 408070909 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1795 | XXXXXX |
| 408070912 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1575 | XXXXXX |
| 408070920 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2240.25 | XXXXXX |
| 408070954 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1575 | XXXXXX |
| 408070961 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1350 | XXXXXX |
| 408070974 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14745 | XXXXXX |
| 408070975 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 13717.37 | XXXXXX |
| 408070986 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1845 | XXXXXX |
| 408071015 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | No | 1350 | XXXXXX |
| 408071019 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 3720 | XXXXXX |
| 408071027 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1360 | XXXXXX |
| 408071033 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1390 | XXXXXX |
| 408071058 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8531.6 | XXXXXX |
| 408071059 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1490 | XXXXXX |
| 408071082 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1745 | XXXXXX |
| 408071117 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1390 | XXXXXX |
| 408071126 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 13000 | XXXXXX |
| 408071139 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 3010 | XXXXXX |
| 408071142 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10339.99 | XXXXXX |
| 408071161 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 20076 | XXXXXX |
| 408071185 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1898.96 | XXXXXX |
| 408071199 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 20872.53 | XXXXXX |
| 408071202 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1395 | XXXXXX |
| 408071217 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 19008.5 | XXXXXX |
| 408071219 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | No | 1425 | XXXXXX |
| 408071235 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8775 | XXXXXX |
| 408071241 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1671.64 | XXXXXX |
| 408071243 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1730 | XXXXXX |
| 408071247 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8449 | XXXXXX |
| 408071250 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 3025.2 | XXXXXX |
| 408071259 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 3700 | XXXXXX |
| 408071270 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8104.94 | XXXXXX |
| 408071288 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1696 | XXXXXX |
| 408071292 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10393.32 | XXXXXX |
| 408071327 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 9069 | XXXXXX |
| 408071360 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1465 | XXXXXX |
| 408071372 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 26050 | XXXXXX |
| 408071373 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5666 | XXXXXX |
| 408071378 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 12681 | XXXXXX |
| 408071383 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1720.25 | XXXXXX |
| 408071415 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1770 | XXXXXX |
| 408071424 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 15915 | XXXXXX |
| 408071439 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1380.25 | XXXXXX |
| 408071462 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10680 | XXXXXX |
| 408071527 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 26050 | XXXXXX |
| 408071531 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1820 | XXXXXX |
| 408071532 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1595 | XXXXXX |
| 408071555 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1995 | XXXXXX |
| 408071556 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6000 | XXXXXX |
| 408071574 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 17881.8 | XXXXXX |
| 408071592 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1350 | XXXXXX |
| 408071597 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX |
| 408071634 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10966.64 | XXXXXX |
| 408071641 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 17193 | XXXXXX |
| 408071663 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5652.75 | XXXXXX |
| 408071666 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4676.68 | XXXXXX |
| 408071686 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1159.96 | XXXXXX |
| 408071689 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 22863 | XXXXXX |
| 408071720 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1235 | XXXXXX |
| 408071724 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1370 | XXXXXX |
| 408071726 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14400 | XXXXXX |
| 408071757 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 16743.28 | XXXXXX |
| 408071765 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1820 | XXXXXX |
| 408071773 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1295 | XXXXXX |
| 408071780 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 19807.16 | XXXXXX |
| 408071781 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11097.5 | XXXXXX |
| 408071787 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 13000 | XXXXXX |
| 408071792 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1415 | XXXXXX |
| 408071800 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2160 | XXXXXX |
| 408071816 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2623.75 | XXXXXX |
| 408071817 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 17154 | XXXXXX |
| 408071824 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 16843 | XXXXXX |
| 408071829 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 950 | XXXXXX |
| 408071833 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8899 | XXXXXX |
| 408071836 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 16093 | XXXXXX |
| 408071856 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 16190 | XXXXXX |
| 408071858 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 12730.5 | XXXXXX |
| 408071865 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2351 | XXXXXX |
| 408071876 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1295 | XXXXXX |
| 408071988 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 34593 | XXXXXX |
| 408071991 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1985 | XXXXXX |
| 408071998 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14244 | XXXXXX |
| 408072011 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 3520.71 | XXXXXX |
| 408072026 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10949 | XXXXXX |
| 408072033 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8021.4 | XXXXXX |
| 408072073 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1650.25 | XXXXXX |
| 408072081 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1842 | XXXXXX |
| 408072094 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14931 | XXXXXX |
| 408072127 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | No | 5400 | XXXXXX |
| 408072128 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14695 | XXXXXX |
| 408072129 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 13716.5 | XXXXXX |
| 408072137 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 980 | XXXXXX |
| 408072139 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1290 | XXXXXX |
| 408072264 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1275 | XXXXXX |
| 408072266 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1385 | XXXXXX |
| 408072293 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8412.5 | XXXXXX |
| 408072307 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 18513 | XXXXXX |
| 408072350 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | No | 8305.74 | XXXXXX |
| 408072352 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4283.64 | XXXXXX |
| 408072367 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1486 | XXXXXX |
| 408072377 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11453.5 | XXXXXX |
| 408072392 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4532.2 | XXXXXX |
| 408072394 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 840 | XXXXXX |
| 408072403 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1720.25 | XXXXXX |
| 408072438 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2665 | XXXXXX |
| 408072446 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2390.69 | XXXXXX |
| 408072449 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1700 | XXXXXX |
| 408072499 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2335 | XXXXXX |
| 408072520 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1380.25 | XXXXXX |
| 408072572 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1563 | XXXXXX |
| 408072581 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2018.25 | XXXXXX |
| 408072594 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX |
| 408072602 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 15173 | XXXXXX |
| 408072609 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2340 | XXXXXX |
| 408072645 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 23325.86 | XXXXXX |
| 408072649 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5957 | XXXXXX |
| 408072668 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1440 | XXXXXX |
| 408072686 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 12928 | XXXXXX |
| 408072716 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 12545 | XXXXXX |
| 408072725 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6975 | XXXXXX |
| 408072733 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1280 | XXXXXX |
| 408072742 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 18440 | XXXXXX |
| 408072749 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1500 | XXXXXX |
| 408072767 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1775 | XXXXXX |
| 408072788 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8060 | XXXXXX |
| 408072791 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1925.25 | XXXXXX |
| 408072871 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6424 | XXXXXX |
| 408072892 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1900 | XXXXXX |
| 408072907 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1440 | XXXXXX |
| 408072945 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8592.25 | XXXXXX |
| 408072949 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8566.25 | XXXXXX |
| 408072950 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2045 | XXXXXX |
| 408072957 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 709.25 | XXXXXX |
| 408072964 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5520 | XXXXXX |
| 408072974 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 22970.25 | XXXXXX |
| 408073030 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1563 | XXXXXX |
| 408073036 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14045 | XXXXXX |
| 408073040 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6290 | XXXXXX |
| 408073045 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | No | 8707.31 | XXXXXX |
| 408073046 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2513.72 | XXXXXX |
| 408073050 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 16380.05 | XXXXXX |
| 408073058 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1795.25 | XXXXXX |
| 408073083 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1295 | XXXXXX |
| 408073088 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1940 | XXXXXX |
| 408073133 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4608 | XXXXXX |
| 408073138 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 110.25 | XXXXXX |
| 408073144 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2014 | XXXXXX |
| 408073160 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6195 | XXXXXX |
| 408073162 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1905.25 | XXXXXX |
| 408073173 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1190 | XXXXXX |
| 408073174 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6227.5 | XXXXXX |
| 408073176 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14365 | XXXXXX |
| 408073182 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1350 | XXXXXX |
| 408073207 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 20974.2 | XXXXXX |
| 408073216 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1880 | XXXXXX |
| 408073224 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 9060 | XXXXXX |
| 408073265 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 21013 | XXXXXX |
| 408073274 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14380.37 | XXXXXX |
| 408073283 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1515.25 | XXXXXX |
| 408073287 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1520 | XXXXXX |
| 408073305 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 3380 | XXXXXX |
| 408073318 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1482 | XXXXXX |
| 408073331 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1795 | XXXXXX |
| 408073354 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1790 | XXXXXX |
| 408073357 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX |
| 408073363 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 16315 | XXXXXX |
| 408073378 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1795 | XXXXXX |
| 408073403 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | Yes | No | 9824 | XXXXXX |
| 408073410 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8665 | XXXXXX |
| 408073425 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1580 | XXXXXX |
| 408073429 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11085 | XXXXXX |
| 408073433 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8245 | XXXXXX |
| 408073442 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 9199.95 | XXXXXX |
| 408073444 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10112.1 | XXXXXX |
| 408073451 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1685.85 | XXXXXX |
| 408073452 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 21266 | XXXXXX |
| 408073455 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 3036 | XXXXXX |
| 408073459 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 3760.95 | XXXXXX |
| 408073470 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6418 | XXXXXX |
| 408073473 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 7325 | XXXXXX |
| 408073475 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 24858.13 | XXXXXX |
| 408073485 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4599 | XXXXXX |
| 408073488 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 4250 | XXXXXX |
| 408073490 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1482 | XXXXXX |
| 408073499 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14931 | XXXXXX |
| 408073504 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 12075 | XXXXXX |
| 408073519 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 7399 | XXXXXX |
| 408073525 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 13416 | XXXXXX |
| 408073530 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 8593 | XXXXXX |
| 408073535 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11476.2 | XXXXXX |
| 408073563 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 20068 | XXXXXX |
| 408073567 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 13021.93 | XXXXXX |
| 408073581 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1490 | XXXXXX |
| 408073597 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 11474.25 | XXXXXX |
| 408073602 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 16093 | XXXXXX |
| 408073606 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1440 | XXXXXX |
| 408073609 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 16481 | XXXXXX |
| 408073621 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5539 | XXXXXX |
| 408073626 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 21397.2 | XXXXXX |
| 408073627 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX |
| 408073634 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 2791.08 | XXXXXX |
| 408073638 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 14061.19 | XXXXXX |
| 408073664 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 5718.35 | XXXXXX |
| 408073675 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 16843.8 | XXXXXX |
| 408073692 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 10100 | XXXXXX |
| 408073729 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1195 | XXXXXX |
| 408073731 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 15990 | XXXXXX |
| 408073737 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1840 | XXXXXX |
| 408073738 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 18717.86 | XXXXXX |
| 408073739 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 1395 | XXXXXX |
| 408073747 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 16615 | XXXXXX |
| 408073784 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 17165 | XXXXXX |
| 408073830 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 6044.75 | XXXXXX |
| 408073837 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | 17257 | XXXXXX |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 10000019297 | 4.7829 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 10000019302 | 4.1278 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 12XXXXXX93 | 4.2482 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 12XXXXXX57 | 3.532 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 12XXXXXX67 | 3.4137 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 12XXXXXX58 | 3.3317 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 15XXXXXX06 | 4.0077 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 15XXXXXX09 | 3.7722 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 15XXXXXX10 | 3.7567 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 15XXXXXX96 | 3.6402 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 15XXXXXX11 | 3.8741 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 15XXXXXX38 | 4.5383 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 15XXXXXX29 | 4.8208 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 15XXXXXX91 | 4.602 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 15XXXXXX66 | 4.7941 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 15XXXXXX60 | 4.1656 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 17XXXXXX51 | 3.6431 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 17XXXXXX16 | 3.4861 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 406045387 | 4.7815 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408020904 | 5.2979 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408022102 | 4.5512 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408022120 | 4.6542 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408022135 | 4.4577 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408022137 | 4.7601 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408022171 | 4.4013 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408022174 | 4.4063 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408022180 | 4.5036 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408022186 | 4.7682 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408022206 | 5.192 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408022229 | 4.6581 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408022281 | 4.4224 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408022293 | 4.601 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408022323 | 4.7789 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408022638 | 5.161 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408064092 | 4.4079 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 6589 |
| 408067379 | 3.5178 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408068568 | 3.5205 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408068650 | 3.7708 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 6716.49 |
| 408069598 | 3.7629 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408069685 | 3.7549 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408069693 | 4.4454 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 23232.73 |
| 408069970 | 3.794 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408070034 | 4.3902 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 19112.18 |
| 408070039 | 4.4563 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 9095 |
| 408070507 | 3.6872 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408070528 | 3.9431 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 9577.95 |
| 408070536 | 4.2914 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 22482.02 |
| 408070551 | 4.4188 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 20767.38 |
| 408070562 | 4.0697 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408070596 | 4.4822 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 18255.69 |
| 408070633 | 4.2685 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408070648 | 4.2723 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408070716 | 4.3527 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408070733 | 4.158 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408070739 | 4.2975 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408070740 | 4.2745 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408070742 | 4.3991 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 10518.96 |
| 408070747 | 4.396 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408070748 | 4.9068 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 14485 |
| 408070777 | 4.39 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 7149.2 |
| 408070781 | 4.438 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408070784 | 4.1663 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408070794 | 4.2701 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408070822 | 4.2179 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408070846 | 4.2676 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 27641.92 |
| 408070865 | 4.2297 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408070875 | 4.2775 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408070907 | 4.3623 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408070909 | 4.8649 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 12877.39 |
| 408070912 | 4.3082 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408070920 | 4.7823 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 10021.43 |
| 408070954 | 5.135 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 10802 |
| 408070961 | 4.2935 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 0 |
| 408070974 | 4.1653 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408070975 | 4.1501 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 6242.19 |
| 408070986 | 4.2883 | Unemployed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071015 | 4.6366 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071019 | 4.1931 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071027 | 4.2786 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 35208.42 |
| 408071033 | 4.268 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071058 | 4.4441 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071059 | 4.3014 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071082 | 4.1166 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071117 | 4.2873 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071126 | 4.282 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 11420.62 |
| 408071139 | 4.1562 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071142 | 4.5296 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 7053.61 |
| 408071161 | 4.17 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 13468.13 |
| 408071185 | 5.149 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 9000 |
| 408071199 | 4.2492 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071202 | 4.1643 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 3953.16 |
| 408071217 | 4.4593 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | Yes | 16525.55 |
| 408071219 | 4.3567 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071235 | 4.3564 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071241 | 4.2767 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071243 | 4.1444 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 5372.21 |
| 408071247 | 4.6104 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 6316.46 |
| 408071250 | 4.2956 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071259 | 4.7876 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 17459.94 |
| 408071270 | 4.676 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 10569.18 |
| 408071288 | 4.4837 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071292 | 5.1334 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 12343.46 |
| 408071327 | 4.3329 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071360 | 5.1442 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 20760.62 |
| 408071372 | 4.2945 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071373 | 4.462 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071378 | 4.9628 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071383 | 5.5295 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071415 | 5.2073 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 19590.73 |
| 408071424 | 4.3744 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | No | 0 |
| 408071439 | 5.1395 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 12074 |
| 408071462 | 4.7077 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071527 | 4.6398 | Unemployed | Employed | Permanent Resident Alien | U.S. Citizen | No | 0 |
| 408071531 | 4.6258 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071532 | 4.6847 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071555 | 5.6461 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 35649.99 |
| 408071556 | 4.7982 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071574 | 4.6524 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071592 | 4.6831 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071597 | 4.9867 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 13375 |
| 408071634 | 6.149 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 21391.86 |
| 408071641 | 4.7291 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | No | 0 |
| 408071663 | 4.6097 | Retired | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071666 | 4.6047 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071686 | 4.9348 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | Yes | 13289.64 |
| 408071689 | 4.7811 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 11007.31 |
| 408071720 | 5.9263 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 13082.91 |
| 408071724 | 4.9409 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071726 | 5.6918 | Employed | Retired | U.S. Citizen | U.S. Citizen | Yes | 14428.2 |
| 408071757 | 5.0688 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071765 | 4.7503 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071773 | 4.7692 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071780 | 4.4854 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071781 | 5.9793 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 22230.38 |
| 408071787 | 4.7454 | Retired | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071792 | 5.5406 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071800 | 4.5818 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 6083.18 |
| 408071816 | 4.6343 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071817 | 4.5165 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071824 | 4.93 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071829 | 4.4279 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071833 | 5.3936 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 22723.66 |
| 408071836 | 4.7693 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 0 |
| 408071856 | 4.7499 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071858 | 4.8089 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071865 | 5.5524 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 32551.21 |
| 408071876 | 5.2777 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408071988 | 5.9523 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | Yes | 19442.47 |
| 408071991 | 5.5182 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408071998 | 5.0523 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072011 | 5.7688 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072026 | 5.2725 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 0 |
| 408072033 | 4.8088 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072073 | 5.1617 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072081 | 4.6469 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 2582.34 |
| 408072094 | 5.6968 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072127 | 5.6841 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072128 | 4.9374 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 14571.83 |
| 408072129 | 6.1042 | Retired | Retired | U.S. Citizen | U.S. Citizen | Yes | 9717.12 |
| 408072137 | 4.8667 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072139 | 5.9894 | Retired | Retired | U.S. Citizen | U.S. Citizen | Yes | 13000 |
| 408072264 | 5.6082 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072266 | 5.398 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072293 | 5.3491 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072307 | 4.9074 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072350 | 5.7296 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 11904.44 |
| 408072352 | 5.055 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072367 | 5.4058 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072377 | 5.4575 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072392 | 5.0984 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 8420.21 |
| 408072394 | 5.1421 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072403 | 4.8946 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | Yes | 9158.38 |
| 408072438 | 5.608 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 24542.7 |
| 408072446 | 5.1696 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 10527.13 |
| 408072449 | 5.1733 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072499 | 5.685 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072520 | 5.3909 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072572 | 5.5585 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072581 | 5.4064 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072594 | 6.7632 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 22655.31 |
| 408072602 | 5.5283 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072609 | 5.4766 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072645 | 5.4853 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 14881.78 |
| 408072649 | 7.0418 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 8758 |
| 408072668 | 5.66 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072686 | 6.4431 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072716 | 5.1524 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072725 | 5.5687 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072733 | 4.7191 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 9971 |
| 408072742 | 5.5169 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072749 | 5.6457 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072767 | 5.9945 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072788 | 6.8137 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072791 | 5.16 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 7383.73 |
| 408072871 | 5.628 | Employed | Retired | U.S. Citizen | U.S. Citizen | No | 22243.56 |
| 408072892 | 6.4915 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072907 | 5.9142 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 34118.7 |
| 408072945 | 5.5984 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072949 | 5.0791 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 13000 |
| 408072950 | 5.2957 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408072957 | 5.6462 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408072964 | 6.0341 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 9940.62 |
| 408072974 | 5.5067 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 16587.68 |
| 408073030 | 6.3026 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073036 | 6.6405 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073040 | 6.1596 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073045 | 6.9008 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073046 | 6.3895 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073050 | 7.3256 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073058 | 6.7927 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073083 | 6.0099 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073088 | 6.0886 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 5525.37 |
| 408073133 | 7.3039 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073138 | 6.8909 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073144 | 7.4106 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 13262.39 |
| 408073160 | 5.8211 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073162 | 6.1386 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073173 | 6.0264 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 14198.23 |
| 408073174 | 7.4641 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 11460.72 |
| 408073176 | 6.6167 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073182 | 6.5728 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 13376.13 |
| 408073207 | 6.368 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073216 | 5.6493 | Employed | Unemployed | Permanent Resident Alien | U.S. Citizen | No | 0 |
| 408073224 | 6.9784 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 17595.85 |
| 408073265 | 6.5716 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073274 | 5.9914 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 6851.51 |
| 408073283 | 5.901 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073287 | 6.142 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073305 | 5.8856 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073318 | 5.525 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 8924.15 |
| 408073331 | 6.7754 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 24390.8 |
| 408073354 | 4.7869 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073357 | 5.9147 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073363 | 5.7681 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 5878 |
| 408073378 | 5.635 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073403 | 6.1502 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073410 | 6.3678 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073425 | 5.3286 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073429 | 5.5617 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073433 | 6.4428 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 10309.54 |
| 408073442 | 5.5051 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073444 | 5.8921 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073451 | 4.2286 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073452 | 4.5736 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073455 | 5.7304 | Employed | (No Data) | U.S. Citizen | (No Data) | Yes | 11128.28 |
| 408073459 | 5.4094 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 13516.62 |
| 408073470 | 5.6682 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | No | 0 |
| 408073473 | 7.3277 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073475 | 6.9455 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073485 | 5.4497 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073488 | 5.6595 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073490 | 6.4572 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073499 | 5.9113 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073504 | 6.0391 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073519 | 5.5529 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073525 | 5.2947 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073530 | 5.6111 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073535 | 5.6763 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073563 | 6.1532 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073567 | 6.399 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073581 | 5.991 | Retired | (No Data) | U.S. Citizen | (No Data) | Yes | 5572.77 |
| 408073597 | 6.0492 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073602 | 6.0887 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 0 |
| 408073606 | 7.7996 | Employed | Retired | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073609 | 6.2994 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073621 | 6.9159 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073626 | 7.8201 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 41331 |
| 408073627 | 6.8359 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073634 | 6.4172 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073638 | 7.5239 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 8716.53 |
| 408073664 | 6.7485 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073675 | 8.6113 | Employed | Employed | U.S. Citizen | U.S. Citizen | Yes | 11799.39 |
| 408073692 | 7.3588 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073729 | 8.3368 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073731 | 8.8057 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073737 | 7.9017 | Employed | Retired | U.S. Citizen | U.S. Citizen | Yes | 11374.67 |
| 408073738 | 8.5409 | Employed | Employed | Non-Permanent Resident Alien | Permanent Resident Alien | Yes | 20791 |
| 408073739 | 7.9114 | Employed | Retired | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073747 | 8.2463 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073784 | 6.0624 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |
| 408073830 | 7.0734 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 408073837 | 6.5178 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 |

---

## Exhibit 99.4

**EXHIBIT 99.4 CLAYTON ATR QM UPLOAD**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-2** |
| **Start - End Dates:** | **8/23/2012 - 1/3/2023** |
| **Deal Loan Count:** | **282** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *282* |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** |
| 10000019297 | XXXXX | XXXXX | XXXXX | ATR/QM: Not Applicable | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No |
| 10000019302 | XXXXX | XXXXX | XXXXX | ATR/QM: Not Applicable | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No |
| 12XXXXXX93 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | (No Data) | (No Data) |
| 12XXXXXX57 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | (No Data) | (No Data) |
| 12XXXXXX67 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | (No Data) | (No Data) |
| 12XXXXXX58 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | (No Data) | (No Data) |
| 15XXXXXX06 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | (No Data) | (No Data) |
| 15XXXXXX09 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | (No Data) | (No Data) |
| 15XXXXXX10 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | (No Data) | (No Data) |
| 15XXXXXX96 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | (No Data) | (No Data) |
| 15XXXXXX11 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | (No Data) | (No Data) |
| 15XXXXXX38 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | (No Data) | (No Data) |
| 15XXXXXX29 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | (No Data) | (No Data) |
| 15XXXXXX91 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | (No Data) | (No Data) |
| 15XXXXXX66 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | (No Data) | (No Data) |
| 15XXXXXX60 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | (No Data) | (No Data) |
| 17XXXXXX51 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | (No Data) | (No Data) |
| 17XXXXXX16 | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | (No Data) | (No Data) |
| 406045387 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor | (No Data) | Primary | Cooperative | XXXXX | Conventional | No | No |
| 408020904 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408022102 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408022120 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408022135 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408022137 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No |
| 408022171 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408022174 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408022180 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408022186 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408022206 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408022229 | XXXXX | XXXXX | XXXXX | QM: GSE Temporary - QM/SH | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408022281 | XXXXX | XXXXX | XXXXX | QM: GSE Temporary - QM/SH | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408022293 | XXXXX | XXXXX | XXXXX | QM: GSE Temporary - QM/SH | (No Data) | Primary | Attached PUD | XXXXX | Conventional | No | No |
| 408022323 | XXXXX | XXXXX | XXXXX | QM: GSE Temporary - QM/SH | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408022638 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408064092 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408067379 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408068568 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408068650 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408069598 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408069685 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408069693 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408069970 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070034 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070039 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070507 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070528 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070536 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070551 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070562 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No |
| 408070596 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070633 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408070648 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408070716 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408070733 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408070739 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070740 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070742 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070747 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408070748 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408070777 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070781 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070784 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408070794 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No |
| 408070822 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070846 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070865 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070875 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No |
| 408070907 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408070909 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070912 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No |
| 408070920 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408070954 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070961 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070974 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408070975 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408070986 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071015 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071019 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408071027 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | High Rise Condo (9+) | XXXXX | Conventional | No | No |
| 408071033 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071058 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071059 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | 2 Family | XXXXX | Conventional | No | No |
| 408071082 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408071117 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071126 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071139 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071142 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071161 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071185 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071199 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408071202 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071217 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071219 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071235 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071241 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071243 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071247 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071250 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071259 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071270 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071288 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071292 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071327 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071360 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071372 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071373 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071378 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071383 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408071415 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071424 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071439 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071462 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No |
| 408071527 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071531 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071532 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071555 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | High Rise Condo (9+) | XXXXX | Conventional | No | No |
| 408071556 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071574 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071592 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071597 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071634 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071641 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408071663 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071666 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071686 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071689 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071720 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071724 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No |
| 408071726 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071757 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071765 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071773 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071780 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071781 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071787 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408071792 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408071800 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071816 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071817 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071824 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071829 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408071833 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071836 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071856 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408071858 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071865 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408071876 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071988 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408071991 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408071998 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072011 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072026 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072033 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072073 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072081 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072094 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072127 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Attached PUD | XXXXX | Conventional | No | No |
| 408072128 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072129 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072137 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072139 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072264 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072266 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072293 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072307 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072350 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408072352 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072367 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072377 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072392 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072394 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072403 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072438 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072446 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408072449 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072499 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072520 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072572 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072581 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072594 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072602 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072609 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072645 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072649 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Second Home | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408072668 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072686 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Attached PUD | XXXXX | Conventional | No | No |
| 408072716 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072725 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072733 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072742 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072749 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072767 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072788 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Condotel | XXXXX | Conventional | No | No |
| 408072791 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072871 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072892 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072907 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072945 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072949 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072950 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072957 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408072964 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408072974 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073030 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073036 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073040 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073045 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No |
| 408073046 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073050 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073058 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073083 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073088 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073133 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073138 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073144 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073160 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073162 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073173 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073174 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073176 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408073182 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073207 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No |
| 408073216 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073224 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073265 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073274 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073283 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073287 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073305 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073318 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073331 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073354 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No |
| 408073357 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408073363 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073378 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073403 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | Detached PUD | XXXXX | Conventional | No | No |
| 408073410 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073425 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073429 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No |
| 408073433 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073442 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073444 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073451 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073452 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073455 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073459 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073470 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073473 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073475 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | Condotel | XXXXX | Conventional | No | No |
| 408073485 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073488 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073490 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073499 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073504 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073519 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073525 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073530 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073535 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Attached PUD | XXXXX | Conventional | No | No |
| 408073563 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073567 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No |
| 408073581 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073597 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073602 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073606 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Second Home | Condotel | XXXXX | Conventional | No | No |
| 408073609 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073621 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Low Rise Condo (1-4) | XXXXX | Conventional | No | No |
| 408073626 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073627 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073634 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073638 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073664 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073675 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073692 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073729 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | SFR | XXXXX | Conventional | No | No |
| 408073731 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073737 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073738 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073739 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073747 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |
| 408073784 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No |
| 408073830 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | High Rise Condo (9+) | XXXXX | Conventional | No | No |
| 408073837 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** |
| 10000019297 | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No |
| 10000019302 | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No |
| 12XXXXXX93 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Rate and Term Refi | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 12XXXXXX57 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Rate and Term Refi | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 12XXXXXX67 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Rate and Term Refi | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 12XXXXXX58 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Purchase | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 15XXXXXX06 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Rate and Term Refi | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 15XXXXXX09 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Rate and Term Refi | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 15XXXXXX10 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Rate and Term Refi | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 15XXXXXX96 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Rate and Term Refi | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 15XXXXXX11 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Purchase | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 15XXXXXX38 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Rate and Term Refi | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 15XXXXXX29 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Rate and Term Refi | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 15XXXXXX91 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Rate and Term Refi | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 15XXXXXX66 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Rate and Term Refi | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 15XXXXXX60 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Rate and Term Refi | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 17XXXXXX51 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Purchase | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 17XXXXXX16 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Rate and Term Refi | (No Data) | (No Data) | (No Data) | (No Data) | No |
| 406045387 | No | No | No | No | No | Cashout Refi | No | No | No | No | No |
| 408020904 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408022102 | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No |
| 408022120 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408022135 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408022137 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408022171 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408022174 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408022180 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408022186 | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No |
| 408022206 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408022229 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408022281 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408022293 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408022323 | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No |
| 408022638 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408064092 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408067379 | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No |
| 408068568 | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No |
| 408068650 | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No |
| 408069598 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408069685 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408069693 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408069970 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070034 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408070039 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408070507 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070528 | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No |
| 408070536 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070551 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070562 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070596 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408070633 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408070648 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408070716 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070733 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070739 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070740 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408070742 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070747 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408070748 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070777 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408070781 | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No |
| 408070784 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070794 | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No |
| 408070822 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408070846 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408070865 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070875 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070907 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070909 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070912 | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No |
| 408070920 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408070954 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408070961 | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No |
| 408070974 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408070975 | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No |
| 408070986 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071015 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071019 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071027 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071033 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071058 | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No |
| 408071059 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071082 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071117 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071126 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071139 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071142 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071161 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071185 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071199 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071202 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071217 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071219 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071235 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071241 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071243 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071247 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071250 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071259 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071270 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071288 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071292 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071327 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071360 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071372 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071373 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071378 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071383 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071415 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071424 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071439 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071462 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071527 | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No |
| 408071531 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071532 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071555 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071556 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071574 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071592 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071597 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071634 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071641 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071663 | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No |
| 408071666 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071686 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071689 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071720 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071724 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071726 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071757 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071765 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071773 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071780 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071781 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071787 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071792 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071800 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071816 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071817 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408071824 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071829 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071833 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071836 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071856 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071858 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071865 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071876 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071988 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071991 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408071998 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072011 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072026 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408072033 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072073 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072081 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072094 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072127 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072128 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072129 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072137 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072139 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408072264 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072266 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072293 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072307 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408072350 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072352 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072367 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072377 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072392 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072394 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072403 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072438 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408072446 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072449 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072499 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072520 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072572 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072581 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072594 | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No |
| 408072602 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072609 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072645 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072649 | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No |
| 408072668 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072686 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072716 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408072725 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072733 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408072742 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072749 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072767 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072788 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072791 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072871 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072892 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072907 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072945 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072949 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072950 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072957 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072964 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408072974 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073030 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073036 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073040 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073045 | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No |
| 408073046 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073050 | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No |
| 408073058 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073083 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073088 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073133 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408073138 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073144 | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No |
| 408073160 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073162 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408073173 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073174 | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No |
| 408073176 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073182 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073207 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073216 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073224 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073265 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073274 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073283 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073287 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408073305 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073318 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073331 | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No |
| 408073354 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073357 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073363 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408073378 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073403 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073410 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073425 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073429 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073433 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073442 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073444 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408073451 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073452 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073455 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073459 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073470 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073473 | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No |
| 408073475 | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No |
| 408073485 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073488 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073490 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073499 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073504 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073519 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073525 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073530 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073535 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073563 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073567 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073581 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073597 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073602 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073606 | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No |
| 408073609 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073621 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073626 | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No |
| 408073627 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073634 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073638 | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No |
| 408073664 | No | No | (No Data) | No | Yes | Cashout Refi | No | No | No | No | No |
| 408073675 | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No |
| 408073692 | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No |
| 408073729 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073731 | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No |
| 408073737 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073738 | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No |
| 408073739 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073747 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073784 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073830 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |
| 408073837 | No | No | (No Data) | No | No | Purchase | No | No | No | No | No |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** |
| 10000019297 | (No Data) | No | No | Yes | 1 | 4.7829 | No | No | 0 | (No Data) |
| 10000019302 | (No Data) | No | No | Yes | 1 | 4.1278 | No | No | 0 | (No Data) |
| 12XXXXXX93 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 4.2482 | (No Data) | (No Data) | 0 | (No Data) |
| 12XXXXXX57 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 3.5320 | (No Data) | (No Data) | 0 | (No Data) |
| 12XXXXXX67 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 3.4137 | (No Data) | (No Data) | 0 | (No Data) |
| 12XXXXXX58 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 3.3317 | (No Data) | (No Data) | 0 | (No Data) |
| 15XXXXXX06 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 4.0077 | (No Data) | (No Data) | 0 | (No Data) |
| 15XXXXXX09 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 3.7722 | (No Data) | (No Data) | 0 | (No Data) |
| 15XXXXXX10 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 3.7567 | (No Data) | (No Data) | 0 | (No Data) |
| 15XXXXXX96 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 3.6402 | (No Data) | (No Data) | 0 | (No Data) |
| 15XXXXXX11 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 3.8741 | (No Data) | (No Data) | 0 | (No Data) |
| 15XXXXXX38 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 4.5383 | (No Data) | (No Data) | 0 | (No Data) |
| 15XXXXXX29 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 4.8208 | (No Data) | (No Data) | 0 | (No Data) |
| 15XXXXXX91 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 4.6020 | (No Data) | (No Data) | 0 | (No Data) |
| 15XXXXXX66 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 4.7941 | (No Data) | (No Data) | 0 | (No Data) |
| 15XXXXXX60 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 4.1656 | (No Data) | (No Data) | 0 | (No Data) |
| 17XXXXXX51 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 3.6431 | (No Data) | (No Data) | 0 | (No Data) |
| 17XXXXXX16 | (No Data) | (No Data) | (No Data) | (No Data) | 1 | 3.4861 | (No Data) | (No Data) | 0 | (No Data) |
| 406045387 | (No Data) | (No Data) | No | No | 1 | 4.7815 | Yes | Yes | 0.196 | Unavailable |
| 408020904 | (No Data) | (No Data) | No | No | 1 | 5.2979 | Yes | Yes | 0.242 | 0.241 |
| 408022102 | (No Data) | (No Data) | No | No | 1 | 4.5512 | Yes | Yes | 0.51 | 0.000 |
| 408022120 | (No Data) | (No Data) | No | No | 1 | 4.6542 | Yes | Yes | 0.323 | Not Applicable |
| 408022135 | (No Data) | (No Data) | No | No | 1 | 4.4577 | Yes | Yes | 0.806 | Not Applicable |
| 408022137 | (No Data) | (No Data) | No | No | 1 | 4.7601 | Yes | Yes | 0.33 | Not Applicable |
| 408022171 | (No Data) | (No Data) | No | No | 1 | 4.4013 | Yes | Yes | 0.198 | Not Applicable |
| 408022174 | (No Data) | (No Data) | No | No | 1 | 4.4063 | Yes | Yes | 0.191 | Not Applicable |
| 408022180 | (No Data) | (No Data) | No | No | 1 | 4.5036 | Yes | Yes | 0.093 | Not Applicable |
| 408022186 | (No Data) | (No Data) | No | No | 1 | 4.7682 | Yes | Yes | 0.134 | 0.000 |
| 408022206 | (No Data) | (No Data) | No | No | 1 | 5.1920 | Yes | Yes | 0.599 | Unavailable |
| 408022229 | (No Data) | (No Data) | No | No | 1 | 4.6581 | Yes | Yes | 2.746 | Not Applicable |
| 408022281 | (No Data) | (No Data) | No | Exempt | 1 | 4.4224 | No | Yes | 1.782 | 1.782 |
| 408022293 | (No Data) | (No Data) | No | No | 1 | 4.6010 | Yes | Yes | 1.227 | 0.000 |
| 408022323 | (No Data) | (No Data) | No | Exempt | 1 | 4.7789 | No | No | 0.64 | 0.640 |
| 408022638 | (No Data) | (No Data) | No | No | 1 | 5.1610 | Yes | Yes | 0.188 | 0.000 |
| 408064092 | (No Data) | (No Data) | No | Yes | 1 | 4.4079 | No | No | 0.264 | 0.000 |
| 408067379 | (No Data) | (No Data) | No | No | 1 | 3.5178 | Yes | Yes | 0.142 | Not Applicable |
| 408068568 | (No Data) | (No Data) | No | No | 1 | 3.5205 | Yes | Yes | 0.204 | 0.000 |
| 408068650 | (No Data) | (No Data) | No | Yes | 1 | 3.7708 | No | No | 0.181 | 0.000 |
| 408069598 | (No Data) | (No Data) | No | No | 1 | 3.7629 | Yes | Yes | 1.318 | 0.000 |
| 408069685 | (No Data) | (No Data) | No | No | 1 | 3.7549 | Yes | Yes | 2.522 | 0.000 |
| 408069693 | (No Data) | (No Data) | No | Yes | 1 | 4.4454 | No | No | 0.742 | Unavailable |
| 408069970 | (No Data) | (No Data) | No | No | 1 | 3.7940 | Yes | Yes | 0.583 | 0.583 |
| 408070034 | (No Data) | (No Data) | No | No | 1 | 4.3902 | Yes | Yes | 0.143 | Unavailable |
| 408070039 | (No Data) | (No Data) | No | Yes | 1 | 4.4563 | Yes | No | 2.585 | 0.000 |
| 408070507 | (No Data) | (No Data) | No | No | 1 | 3.6872 | Yes | Yes | 0.673 | 0.500 |
| 408070528 | (No Data) | (No Data) | No | No | 1 | 3.9431 | Yes | Yes | 0.728 | Not Applicable |
| 408070536 | (No Data) | (No Data) | No | No | 1 | 4.2914 | Yes | Yes | 0.146 | 0.000 |
| 408070551 | (No Data) | (No Data) | No | No | 1 | 4.4188 | Yes | Yes | 0.602 | Not Applicable |
| 408070562 | (No Data) | (No Data) | No | No | 1 | 4.0697 | Yes | Yes | 2.527 | 0.008 |
| 408070596 | (No Data) | (No Data) | No | No | 1 | 4.4822 | Yes | Yes | 0.204 | Not Applicable |
| 408070633 | (No Data) | (No Data) | No | Yes | 1 | 4.2685 | No | No | 0.167 | Unavailable |
| 408070648 | (No Data) | (No Data) | No | Yes | 1 | 4.2723 | No | No | 0.183 | 0.000 |
| 408070716 | (No Data) | (No Data) | No | No | 1 | 4.3527 | Yes | Yes | 0.365 | 1.144 |
| 408070733 | (No Data) | (No Data) | No | No | 1 | 4.1580 | Yes | Yes | 1.371 | 0.000 |
| 408070739 | (No Data) | (No Data) | No | No | 1 | 4.2975 | Yes | Yes | 0.14 | 0.000 |
| 408070740 | (No Data) | (No Data) | No | Yes | 1 | 4.2745 | No | No | 0.25 | Not Applicable |
| 408070742 | (No Data) | (No Data) | No | Yes | 1 | 4.3991 | No | No | 0.121 | Not Applicable |
| 408070747 | (No Data) | (No Data) | No | No | 1 | 4.3960 | Yes | Yes | 0.139 | Unavailable |
| 408070748 | (No Data) | (No Data) | No | No | 1 | 4.9068 | Yes | Yes | 0.168 | Unavailable |
| 408070777 | (No Data) | (No Data) | No | No | 1 | 4.3900 | Yes | Yes | 0.128 | 0.128 |
| 408070781 | (No Data) | (No Data) | No | No | 1 | 4.4380 | Yes | Yes | 0.674 | 0.000 |
| 408070784 | (No Data) | (No Data) | No | No | 1 | 4.1663 | Yes | Yes | 1.711 | 1.711 |
| 408070794 | (No Data) | (No Data) | No | No | 1 | 4.2701 | Yes | Yes | 0.158 | Unavailable |
| 408070822 | (No Data) | (No Data) | No | No | 1 | 4.2179 | Yes | Yes | 1.118 | Unavailable |
| 408070846 | (No Data) | (No Data) | No | No | 1 | 4.2676 | Yes | Yes | 0.213 | 0.213 |
| 408070865 | (No Data) | (No Data) | No | No | 1 | 4.2297 | Yes | Yes | 1.255 | 1.255 |
| 408070875 | (No Data) | (No Data) | No | No | 1 | 4.2775 | Yes | Yes | 2.018 | 0.000 |
| 408070907 | (No Data) | (No Data) | No | No | 1 | 4.3623 | Yes | Yes | 1.582 | 0.000 |
| 408070909 | (No Data) | (No Data) | No | No | 1 | 4.8649 | Yes | Yes | 0.179 | 0.179 |
| 408070912 | (No Data) | (No Data) | No | No | 1 | 4.3082 | Yes | Yes | 0.155 | 0.000 |
| 408070920 | (No Data) | (No Data) | No | No | 1 | 4.7823 | Yes | Yes | 0.318 | 0.000 |
| 408070954 | (No Data) | (No Data) | No | No | 1 | 5.1350 | Yes | Yes | 0.149 | 0.000 |
| 408070961 | (No Data) | (No Data) | No | Yes | 1 | 4.2935 | No | Yes | 0.089 | 0.089 |
| 408070974 | (No Data) | (No Data) | No | No | 1 | 4.1653 | Yes | Yes | 1.902 | 0.000 |
| 408070975 | (No Data) | (No Data) | No | Yes | 1 | 4.1501 | No | No | 1.24 | 0.000 |
| 408070986 | (No Data) | (No Data) | No | No | 1 | 4.2883 | Yes | Yes | 0.232 | Not Applicable |
| 408071015 | (No Data) | (No Data) | No | No | 1 | 4.6366 | Yes | Yes | 0.141 | 0.000 |
| 408071019 | (No Data) | (No Data) | No | No | 1 | 4.1931 | Yes | Yes | 0.454 | 0.250 |
| 408071027 | (No Data) | (No Data) | No | No | 1 | 4.2786 | Yes | Yes | 0.137 | 0.000 |
| 408071033 | (No Data) | (No Data) | No | No | 1 | 4.2680 | Yes | Yes | 0.183 | 0.000 |
| 408071058 | (No Data) | (No Data) | No | No | 1 | 4.4441 | Yes | Yes | 0.777 | 0.777 |
| 408071059 | (No Data) | (No Data) | No | No | 1 | 4.3014 | Yes | Yes | 0.1 | 0.604 |
| 408071082 | (No Data) | (No Data) | No | No | 1 | 4.1166 | Yes | Yes | 0.252 | Unavailable |
| 408071117 | (No Data) | (No Data) | No | No | 1 | 4.2873 | Yes | Yes | 0.131 | 0.250 |
| 408071126 | (No Data) | (No Data) | No | No | 1 | 4.2820 | Yes | Yes | 1.536 | 1.536 |
| 408071139 | (No Data) | (No Data) | No | No | 1 | 4.1562 | Yes | Yes | 0.426 | Unavailable |
| 408071142 | (No Data) | (No Data) | No | Yes | 1 | 4.5296 | No | No | 1.071 | 0.000 |
| 408071161 | (No Data) | (No Data) | No | No | 1 | 4.1700 | Yes | Yes | 1.394 | 1.394 |
| 408071185 | (No Data) | (No Data) | No | No | 1 | 5.1490 | Yes | Yes | 0.178 | 0.000 |
| 408071199 | (No Data) | (No Data) | No | No | 1 | 4.2492 | Yes | Yes | 2.742 | 1.009 |
| 408071202 | (No Data) | (No Data) | No | Yes | 1 | 4.1643 | No | No | 0.162 | 0.162 |
| 408071217 | (No Data) | (No Data) | No | Yes | 1 | 4.4593 | No | No | 0.987 | 0.000 |
| 408071219 | (No Data) | (No Data) | No | Yes | 1 | 4.3567 | No | No | 0.184 | 3.000 |
| 408071235 | (No Data) | (No Data) | No | No | 1 | 4.3564 | Yes | Yes | 1.161 | 0.000 |
| 408071241 | (No Data) | (No Data) | No | No | 1 | 4.2767 | Yes | Yes | 0.229 | 0.002 |
| 408071243 | (No Data) | (No Data) | No | Yes | 1 | 4.1444 | No | No | 0.197 | 0.196 |
| 408071247 | (No Data) | (No Data) | No | No | 1 | 4.6104 | Yes | Yes | 1.119 | 1.119 |
| 408071250 | (No Data) | (No Data) | No | No | 1 | 4.2956 | Yes | Yes | 0.395 | 0.395 |
| 408071259 | (No Data) | (No Data) | No | No | 1 | 4.7876 | Yes | Yes | 0.38 | Unavailable |
| 408071270 | (No Data) | (No Data) | No | No | 1 | 4.6760 | Yes | Yes | 0.857 | Unavailable |
| 408071288 | (No Data) | (No Data) | No | No | 1 | 4.4837 | Yes | Yes | 0.246 | Not Applicable |
| 408071292 | (No Data) | (No Data) | No | No | 1 | 5.1334 | Yes | Yes | 1.22 | 0.000 |
| 408071327 | (No Data) | (No Data) | No | No | 1 | 4.3329 | Yes | Yes | 0.931 | 0.000 |
| 408071360 | (No Data) | (No Data) | No | No | 1 | 5.1442 | Yes | Yes | 0.194 | Unavailable |
| 408071372 | (No Data) | (No Data) | No | No | 1 | 4.2945 | Yes | Yes | 1.313 | Unavailable |
| 408071373 | (No Data) | (No Data) | No | Yes | 1 | 4.4620 | No | No | 0.821 | Not Applicable |
| 408071378 | (No Data) | (No Data) | No | No | 1 | 4.9628 | Yes | Yes | 0.979 | Not Applicable |
| 408071383 | (No Data) | (No Data) | No | No | 1 | 5.5295 | Yes | Yes | 0.165 | 0.000 |
| 408071415 | (No Data) | (No Data) | No | Yes | 1 | 5.2073 | No | No | 0.121 | Unavailable |
| 408071424 | (No Data) | (No Data) | No | No | 1 | 4.3744 | Yes | Yes | 1.64 | 1.105 |
| 408071439 | (No Data) | (No Data) | No | No | 1 | 5.1395 | Yes | Yes | 0.154 | Unavailable |
| 408071462 | (No Data) | (No Data) | No | No | 1 | 4.7077 | Yes | Yes | 1.37 | 0.000 |
| 408071527 | (No Data) | (No Data) | No | No | 1 | 4.6398 | Yes | Yes | 1.921 | Not Applicable |
| 408071531 | (No Data) | (No Data) | No | Yes | 1 | 4.6258 | No | No | 0.178 | Not Applicable |
| 408071532 | (No Data) | (No Data) | No | Yes | 1 | 4.6847 | No | No | 0.219 | Not Applicable |
| 408071555 | (No Data) | (No Data) | No | No | 1 | 5.6461 | Yes | Yes | 0.214 | 0.000 |
| 408071556 | (No Data) | (No Data) | No | No | 1 | 4.7982 | Yes | Yes | 0.527 | 0.400 |
| 408071574 | (No Data) | (No Data) | No | No | 1 | 4.6524 | Yes | Yes | 1.728 | 0.000 |
| 408071592 | (No Data) | (No Data) | No | No | 1 | 4.6831 | Yes | Yes | 0.13 | 0.000 |
| 408071597 | (No Data) | (No Data) | No | No | 1 | 4.9867 | Yes | Yes | 0 | Unavailable |
| 408071634 | (No Data) | (No Data) | No | No | 1 | 6.1490 | Yes | Yes | 1.475 | 1.475 |
| 408071641 | (No Data) | (No Data) | No | No | 1 | 4.7291 | Yes | Yes | 1.355 | Unavailable |
| 408071663 | (No Data) | (No Data) | No | Yes | 1 | 4.6097 | No | No | 0.705 | 0.027 |
| 408071666 | (No Data) | (No Data) | No | No | 1 | 4.6047 | Yes | Yes | 0.6 | 0.000 |
| 408071686 | (No Data) | (No Data) | No | Yes | 1 | 4.9348 | No | No | 0.136 | 0.000 |
| 408071689 | (No Data) | (No Data) | No | Yes | 1 | 4.7811 | No | No | 1.649 | Not Applicable |
| 408071720 | (No Data) | (No Data) | No | No | 1 | 5.9263 | Yes | Yes | 0.18 | 0.180 |
| 408071724 | (No Data) | (No Data) | No | No | 1 | 4.9409 | Yes | Yes | 0.138 | 0.000 |
| 408071726 | (No Data) | (No Data) | No | No | 1 | 5.6918 | Yes | Yes | 2.017 | 0.000 |
| 408071757 | (No Data) | (No Data) | No | No | 1 | 5.0688 | Yes | Yes | 2.321 | 0.000 |
| 408071765 | (No Data) | (No Data) | No | No | 1 | 4.7503 | Yes | Yes | 0.211 | 0.000 |
| 408071773 | (No Data) | (No Data) | No | No | 1 | 4.7692 | Yes | Yes | 0.152 | 0.000 |
| 408071780 | (No Data) | (No Data) | No | No | 1 | 4.4854 | Yes | Yes | 1.124 | Not Applicable |
| 408071781 | (No Data) | (No Data) | No | No | 1 | 5.9793 | Yes | Yes | 1.07 | 0.000 |
| 408071787 | (No Data) | (No Data) | No | No | 1 | 4.7454 | Yes | Yes | 1.548 | 0.806 |
| 408071792 | (No Data) | (No Data) | No | No | 1 | 5.5406 | Yes | Yes | 0.153 | 0.000 |
| 408071800 | (No Data) | (No Data) | No | Yes | 1 | 4.5818 | No | No | 0.267 | 0.621 |
| 408071816 | (No Data) | (No Data) | No | No | 1 | 4.6343 | Yes | Yes | 0.135 | Not Applicable |
| 408071817 | (No Data) | (No Data) | No | No | 1 | 4.5165 | Yes | Yes | 1.623 | Unavailable |
| 408071824 | (No Data) | (No Data) | No | No | 1 | 4.9300 | Yes | Yes | 2.46 | Unavailable |
| 408071829 | (No Data) | (No Data) | No | No | 1 | 4.4279 | Yes | Yes | 0.132 | 0.000 |
| 408071833 | (No Data) | (No Data) | No | No | 1 | 5.3936 | Yes | Yes | 1.2 | 0.000 |
| 408071836 | (No Data) | (No Data) | No | No | 1 | 4.7693 | Yes | Yes | 1.345 | Not Applicable |
| 408071856 | (No Data) | (No Data) | No | No | 1 | 4.7499 | Yes | Yes | 2.247 | 0.000 |
| 408071858 | (No Data) | (No Data) | No | No | 1 | 4.8089 | Yes | Yes | 1.64 | 0.000 |
| 408071865 | (No Data) | (No Data) | No | No | 1 | 5.5524 | Yes | Yes | 0.305 | 0.305 |
| 408071876 | (No Data) | (No Data) | No | No | 1 | 5.2777 | Yes | Yes | 0.116 | 0.000 |
| 408071988 | (No Data) | (No Data) | No | No | 1 | 5.9523 | Yes | Yes | 2.826 | Unavailable |
| 408071991 | (No Data) | (No Data) | No | No | 1 | 5.5182 | Yes | Yes | 0.161 | 0.000 |
| 408071998 | (No Data) | (No Data) | No | No | 1 | 5.0523 | Yes | Yes | 2.012 | 0.000 |
| 408072011 | (No Data) | (No Data) | No | No | 1 | 5.7688 | Yes | Yes | 0.308 | Not Applicable |
| 408072026 | (No Data) | (No Data) | No | No | 1 | 5.2725 | Yes | Yes | 1.315 | 1.315 |
| 408072033 | (No Data) | (No Data) | No | No | 1 | 4.8088 | Yes | Yes | 0.731 | 0.000 |
| 408072073 | (No Data) | (No Data) | No | No | 1 | 5.1617 | Yes | Yes | 0.244 | 0.000 |
| 408072081 | (No Data) | (No Data) | No | Yes | 1 | 4.6469 | No | No | 0.268 | 0.000 |
| 408072094 | (No Data) | (No Data) | No | No | 1 | 5.6968 | Yes | Yes | 2.053 | 2.048 |
| 408072127 | (No Data) | (No Data) | No | Yes | 1 | 5.6841 | No | No | 1.47 | 0.000 |
| 408072128 | (No Data) | (No Data) | No | No | 1 | 4.9374 | Yes | Yes | 2.119 | Unavailable |
| 408072129 | (No Data) | (No Data) | No | No | 1 | 6.1042 | Yes | Yes | 1.001 | 0.000 |
| 408072137 | (No Data) | (No Data) | No | No | 1 | 4.8667 | Yes | Yes | 0.134 | 0.000 |
| 408072139 | (No Data) | (No Data) | No | No | 1 | 5.9894 | Yes | Yes | 0.145 | 0.000 |
| 408072264 | (No Data) | (No Data) | No | Yes | 1 | 5.6082 | No | No | 0.125 | 0.011 |
| 408072266 | (No Data) | (No Data) | No | No | 1 | 5.3980 | Yes | Yes | 0.208 | 0.000 |
| 408072293 | (No Data) | (No Data) | No | No | 1 | 5.3491 | Yes | Yes | 1.056 | 0.010 |
| 408072307 | (No Data) | (No Data) | No | No | 1 | 4.9074 | Yes | Yes | 1.262 | 0.552 |
| 408072350 | (No Data) | (No Data) | No | No | 1 | 5.7296 | Yes | Yes | 1.25 | 0.000 |
| 408072352 | (No Data) | (No Data) | No | No | 1 | 5.0550 | Yes | Yes | 0.651 | 0.207 |
| 408072367 | (No Data) | (No Data) | No | No | 1 | 5.4058 | Yes | Yes | 0.213 | 0.000 |
| 408072377 | (No Data) | (No Data) | No | No | 1 | 5.4575 | Yes | Yes | 1.161 | Unavailable |
| 408072392 | (No Data) | (No Data) | No | Yes | 1 | 5.0984 | No | No | 0.383 | 0.000 |
| 408072394 | (No Data) | (No Data) | No | No | 1 | 5.1421 | Yes | Yes | 0.111 | 0.111 |
| 408072403 | (No Data) | (No Data) | No | Yes | 1 | 4.8946 | No | No | 0.17 | Unavailable |
| 408072438 | (No Data) | (No Data) | No | No | 1 | 5.6080 | Yes | Yes | 0.218 | 0.000 |
| 408072446 | (No Data) | (No Data) | No | Yes | 1 | 5.1696 | No | No | 0.232 | Not Applicable |
| 408072449 | (No Data) | (No Data) | No | No | 1 | 5.1733 | Yes | Yes | 0.233 | Unavailable |
| 408072499 | (No Data) | (No Data) | No | No | 1 | 5.6850 | Yes | Yes | 0.327 | 0.250 |
| 408072520 | (No Data) | (No Data) | No | No | 1 | 5.3909 | Yes | Yes | 0.172 | 0.000 |
| 408072572 | (No Data) | (No Data) | No | No | 1 | 5.5585 | Yes | Yes | 0.155 | Not Applicable |
| 408072581 | (No Data) | (No Data) | No | No | 1 | 5.4064 | Yes | Yes | 0.291 | 0.000 |
| 408072594 | (No Data) | (No Data) | No | No | 1 | 6.7632 | Yes | Yes | 0 | Unavailable |
| 408072602 | (No Data) | (No Data) | No | Yes | 1 | 5.5283 | Yes | No | 1.097 | 0.000 |
| 408072609 | (No Data) | (No Data) | No | No | 1 | 5.4766 | Yes | Yes | 0.299 | Unavailable |
| 408072645 | (No Data) | (No Data) | No | Yes | 1 | 5.4853 | No | No | 1.449 | 0.000 |
| 408072649 | (No Data) | (No Data) | No | Yes | 1 | 7.0418 | No | No | 1.536 | 1.536 |
| 408072668 | (No Data) | (No Data) | No | No | 1 | 5.6600 | Yes | Yes | 0.149 | Not Applicable |
| 408072686 | (No Data) | (No Data) | No | No | 1 | 6.4431 | Yes | Yes | 0.966 | 0.000 |
| 408072716 | (No Data) | (No Data) | No | Yes | 1 | 5.1524 | No | No | 1.134 | Unavailable |
| 408072725 | (No Data) | (No Data) | No | No | 1 | 5.5687 | Yes | Yes | 1.037 | 1.016 |
| 408072733 | (No Data) | (No Data) | No | Yes | 1 | 4.7191 | Yes | No | 0.13 | 0.000 |
| 408072742 | (No Data) | (No Data) | No | No | 1 | 5.5169 | Yes | Yes | 1.38 | Not Applicable |
| 408072749 | (No Data) | (No Data) | No | Yes | 1 | 5.6457 | No | No | 0.1 | 0.100 |
| 408072767 | (No Data) | (No Data) | No | No | 1 | 5.9945 | Yes | Yes | 0.197 | 0.818 |
| 408072788 | (No Data) | (No Data) | No | No | 1 | 6.8137 | Yes | Yes | 2.129 | 2.500 |
| 408072791 | (No Data) | (No Data) | No | Yes | 1 | 5.1600 | No | No | 0.203 | 0.000 |
| 408072871 | (No Data) | (No Data) | No | Yes | 1 | 5.6280 | No | No | 0.577 | 0.002 |
| 408072892 | (No Data) | (No Data) | No | Yes | 1 | 6.4915 | Yes | No | 0.253 | Unavailable |
| 408072907 | (No Data) | (No Data) | No | No | 1 | 5.9142 | Yes | Yes | 0.076 | Unavailable |
| 408072945 | (No Data) | (No Data) | No | No | 1 | 5.5984 | Yes | Yes | 1.105 | Unavailable |
| 408072949 | (No Data) | (No Data) | No | Yes | 1 | 5.0791 | No | No | 0.741 | Unavailable |
| 408072950 | (No Data) | (No Data) | No | No | 1 | 5.2957 | Yes | Yes | 0.156 | Not Applicable |
| 408072957 | (No Data) | (No Data) | No | Yes | 1 | 5.6462 | No | No | 0.068 | Unavailable |
| 408072964 | (No Data) | (No Data) | No | Yes | 1 | 6.0341 | No | No | 0.562 | Not Applicable |
| 408072974 | (No Data) | (No Data) | No | Yes | 1 | 5.5067 | No | No | 1.354 | 1.354 |
| 408073030 | (No Data) | (No Data) | No | No | 1 | 6.3026 | Yes | Yes | 0.208 | Unavailable |
| 408073036 | (No Data) | (No Data) | No | No | 1 | 6.6405 | Yes | Yes | 1.395 | Not Applicable |
| 408073040 | (No Data) | (No Data) | No | No | 1 | 6.1596 | Yes | Yes | 0.668 | 0.668 |
| 408073045 | (No Data) | (No Data) | No | Exempt | 1 | 6.9008 | No | Yes | 2.649 | 2.649 |
| 408073046 | (No Data) | (No Data) | No | No | 1 | 6.3895 | Yes | Yes | 0.376 | Unavailable |
| 408073050 | (No Data) | (No Data) | No | No | 1 | 7.3256 | Yes | Yes | 1.516 | 0.000 |
| 408073058 | (No Data) | (No Data) | No | No | 1 | 6.7927 | Yes | Yes | 0.092 | 0.092 |
| 408073083 | (No Data) | (No Data) | No | No | 1 | 6.0099 | Yes | Yes | 0.081 | Unavailable |
| 408073088 | (No Data) | (No Data) | No | Yes | 1 | 6.0886 | No | No | 0.284 | Not Applicable |
| 408073133 | (No Data) | (No Data) | No | No | 1 | 7.3039 | Yes | Yes | 0.485 | 0.485 |
| 408073138 | (No Data) | (No Data) | No | No | 1 | 6.8909 | Yes | Yes | 0.008 | 0.008 |
| 408073144 | (No Data) | (No Data) | No | No | 1 | 7.4106 | Yes | Yes | 0.253 | Unavailable |
| 408073160 | (No Data) | (No Data) | No | No | 1 | 5.8211 | Yes | Yes | 0.54 | Unavailable |
| 408073162 | (No Data) | (No Data) | No | Yes | 1 | 6.1386 | No | No | 0.097 | 0.000 |
| 408073173 | (No Data) | (No Data) | No | Yes | 1 | 6.0264 | No | No | 0.125 | 0.125 |
| 408073174 | (No Data) | (No Data) | No | Yes | 1 | 7.4641 | No | No | 0.764 | Unavailable |
| 408073176 | (No Data) | (No Data) | No | Yes | 1 | 6.6167 | Yes | No | 1.475 | 2.268 |
| 408073182 | (No Data) | (No Data) | No | No | 1 | 6.5728 | Yes | Yes | 0.118 | Unavailable |
| 408073207 | (No Data) | (No Data) | No | No | 1 | 6.3680 | Yes | Yes | 2.456 | Unavailable |
| 408073216 | (No Data) | (No Data) | No | No | 1 | 5.6493 | Yes | Yes | 0.208 | 0.208 |
| 408073224 | (No Data) | (No Data) | No | No | 1 | 6.9784 | Yes | Yes | 0.911 | Unavailable |
| 408073265 | (No Data) | (No Data) | No | No | 1 | 6.5716 | Yes | Yes | 1.986 | Unavailable |
| 408073274 | (No Data) | (No Data) | No | Yes | 1 | 5.9914 | No | No | 2.061 | 0.855 |
| 408073283 | (No Data) | (No Data) | No | No | 1 | 5.9010 | Yes | Yes | 0.224 | Unavailable |
| 408073287 | (No Data) | (No Data) | No | No | 1 | 6.1420 | Yes | Yes | 0.138 | Unavailable |
| 408073305 | (No Data) | (No Data) | No | No | 1 | 5.8856 | Yes | Yes | 0.188 | 0.188 |
| 408073318 | (No Data) | (No Data) | No | Yes | 1 | 5.5250 | No | No | 0.149 | Unavailable |
| 408073331 | (No Data) | (No Data) | No | No | 1 | 6.7754 | Yes | Yes | 0.214 | Unavailable |
| 408073354 | (No Data) | (No Data) | No | No | 1 | 4.7869 | Yes | Yes | 0.245 | Unavailable |
| 408073357 | (No Data) | (No Data) | No | No | 1 | 5.9147 | Yes | Yes | 0.432 | 0.432 |
| 408073363 | (No Data) | (No Data) | No | Yes | 1 | 5.7681 | No | No | 2.309 | 2.309 |
| 408073378 | (No Data) | (No Data) | No | No | 1 | 5.6350 | Yes | Yes | 0.208 | Unavailable |
| 408073403 | (No Data) | (No Data) | No | No | 1 | 6.1502 | Yes | Yes | 1.432 | 1.200 |
| 408073410 | (No Data) | (No Data) | No | No | 1 | 6.3678 | Yes | Yes | 1.16 | 1.160 |
| 408073425 | (No Data) | (No Data) | No | No | 1 | 5.3286 | Yes | Yes | 0.121 | 0.121 |
| 408073429 | (No Data) | (No Data) | No | No | 1 | 5.5617 | Yes | Yes | 1.434 | 1.434 |
| 408073433 | (No Data) | (No Data) | No | Yes | 1 | 6.4428 | No | No | 0.88 | 0.880 |
| 408073442 | (No Data) | (No Data) | No | No | 1 | 5.5051 | Yes | Yes | 1.28 | Unavailable |
| 408073444 | (No Data) | (No Data) | No | Yes | 1 | 5.8921 | No | No | 1.448 | Unavailable |
| 408073451 | (No Data) | (No Data) | No | No | 1 | 4.2286 | Yes | Yes | 0.246 | Not Applicable |
| 408073452 | (No Data) | (No Data) | No | No | 1 | 4.5736 | Yes | Yes | 1.716 | 1.716 |
| 408073455 | (No Data) | (No Data) | No | Yes | 1 | 5.7304 | No | No | 0.447 | Not Applicable |
| 408073459 | (No Data) | (No Data) | No | Yes | 1 | 5.4094 | No | No | 0.239 | Unavailable |
| 408073470 | (No Data) | (No Data) | No | Yes | 1 | 5.6682 | No | No | 0.34 | 0.340 |
| 408073473 | (No Data) | (No Data) | No | No | 1 | 7.3277 | Yes | Yes | 0.639 | 0.639 |
| 408073475 | (No Data) | (No Data) | No | Yes | 1 | 6.9455 | No | No | 1.911 | 1.911 |
| 408073485 | (No Data) | (No Data) | No | No | 1 | 5.4497 | Yes | Yes | 0.397 | Unavailable |
| 408073488 | (No Data) | (No Data) | No | No | 1 | 5.6595 | Yes | Yes | 0.285 | 0.189 |
| 408073490 | (No Data) | (No Data) | No | No | 1 | 6.4572 | Yes | Yes | 0.143 | Unavailable |
| 408073499 | (No Data) | (No Data) | No | No | 1 | 5.9113 | Yes | Yes | 1.706 | 1.520 |
| 408073504 | (No Data) | (No Data) | No | No | 1 | 6.0391 | Yes | Yes | 1.685 | Not Applicable |
| 408073519 | (No Data) | (No Data) | No | Yes | 1 | 5.5529 | No | No | 0.518 | 0.518 |
| 408073525 | (No Data) | (No Data) | No | No | 1 | 5.2947 | Yes | Yes | 1.692 | 1.692 |
| 408073530 | (No Data) | (No Data) | No | No | 1 | 5.6111 | Yes | Yes | 1.049 | 1.049 |
| 408073535 | (No Data) | (No Data) | No | No | 1 | 5.6763 | Yes | Yes | 1.411 | 1.411 |
| 408073563 | (No Data) | (No Data) | No | No | 1 | 6.1532 | Yes | Yes | 1.348 | 1.348 |
| 408073567 | (No Data) | (No Data) | No | Yes | 1 | 6.3990 | No | No | 1.494 | Not Applicable |
| 408073581 | (No Data) | (No Data) | No | Yes | 1 | 5.9910 | No | No | 0.198 | 0.198 |
| 408073597 | (No Data) | (No Data) | No | No | 1 | 6.0492 | Yes | Yes | 1.613 | 1.613 |
| 408073602 | (No Data) | (No Data) | No | Yes | 1 | 6.0887 | No | Yes | 1.419 | 1.419 |
| 408073606 | (No Data) | (No Data) | No | No | 1 | 7.7996 | Yes | Yes | 0.382 | Not Applicable |
| 408073609 | (No Data) | (No Data) | No | No | 1 | 6.2994 | Yes | Yes | 1.891 | Unavailable |
| 408073621 | (No Data) | (No Data) | No | Yes | 1 | 6.9159 | No | No | 0.544 | 0.000 |
| 408073626 | (No Data) | (No Data) | No | Yes | 1 | 7.8201 | Yes | No | 1.85 | 1.850 |
| 408073627 | (No Data) | (No Data) | No | Yes | 1 | 6.8359 | No | No | 0 | 0.000 |
| 408073634 | (No Data) | (No Data) | No | No | 1 | 6.4172 | Yes | Yes | 0.368 | Unavailable |
| 408073638 | (No Data) | (No Data) | No | Yes | 1 | 7.5239 | No | No | 1.632 | Unavailable |
| 408073664 | (No Data) | (No Data) | No | No | 1 | 6.7485 | Yes | Yes | 0.741 | 0.741 |
| 408073675 | (No Data) | (No Data) | No | Yes | 1 | 8.6113 | No | No | 2.127 | 2.127 |
| 408073692 | (No Data) | (No Data) | No | No | 1 | 7.3588 | Yes | Yes | 1.027 | 0.000 |
| 408073729 | (No Data) | (No Data) | No | No | 1 | 8.3368 | Yes | Yes | 0.166 | 0.166 |
| 408073731 | (No Data) | (No Data) | No | No | 1 | 8.8057 | Yes | Yes | 1.268 | 1.268 |
| 408073737 | (No Data) | (No Data) | No | Yes | 1 | 7.9017 | No | No | 0.214 | 0.214 |
| 408073738 | (No Data) | (No Data) | No | No | 1 | 8.5409 | Yes | Yes | 1.345 | 1.345 |
| 408073739 | (No Data) | (No Data) | No | No | 1 | 7.9114 | Yes | Yes | 0.158 | 0.158 |
| 408073747 | (No Data) | (No Data) | No | No | 1 | 8.2463 | Yes | Yes | 1.124 | 0.000 |
| 408073784 | (No Data) | (No Data) | No | No | 1 | 6.0624 | Yes | Yes | 1.89 | 0.000 |
| 408073830 | (No Data) | (No Data) | No | No | 1 | 7.0734 | Yes | Yes | 0.625 | 0.625 |
| 408073837 | (No Data) | (No Data) | No | No | 1 | 6.5178 | Yes | Yes | 1.339 | 0.000 |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** |
| 10000019297 | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 10000019302 | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) |
| 12XXXXXX93 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 12XXXXXX57 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 12XXXXXX67 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 12XXXXXX58 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX06 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX09 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX10 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX96 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX11 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX38 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX29 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX91 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX66 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX60 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 17XXXXXX51 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 17XXXXXX16 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 406045387 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes |
| 408020904 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes |
| 408022102 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes |
| 408022120 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes |
| 408022135 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes |
| 408022137 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes |
| 408022171 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes |
| 408022174 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes |
| 408022180 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes |
| 408022186 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes |
| 408022206 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes |
| 408022229 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408022281 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408022293 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408022323 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408022638 | (No Data) | (No Data) | No | No | No | No | Yes | Yes | Yes |
| 408064092 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408067379 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408068568 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408068650 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408069598 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408069685 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408069693 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408069970 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070034 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070039 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070507 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070528 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070536 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070551 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070562 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070596 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070633 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070648 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070716 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070733 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070739 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070740 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070742 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070747 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070748 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070777 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070781 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070784 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070794 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070822 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070846 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070865 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070875 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070907 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070909 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070912 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070920 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070954 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070961 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070974 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070975 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408070986 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071015 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071019 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071027 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071033 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071058 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071059 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071082 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071117 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071126 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071139 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071142 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071161 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071185 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071199 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071202 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071217 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071219 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071235 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071241 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071243 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071247 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071250 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071259 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071270 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071288 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071292 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071327 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071360 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071372 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071373 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071378 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071383 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071415 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071424 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071439 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071462 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071527 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071531 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071532 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071555 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071556 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071574 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071592 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071597 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071634 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071641 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071663 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071666 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071686 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071689 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071720 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071724 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071726 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071757 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071765 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071773 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071780 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071781 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071787 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071792 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071800 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071816 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071817 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071824 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071829 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071833 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071836 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071856 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071858 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071865 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071876 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071988 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071991 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408071998 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072011 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072026 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072033 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072073 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072081 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072094 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072127 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072128 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072129 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072137 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072139 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072264 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072266 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072293 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072307 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072350 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072352 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072367 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072377 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072392 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072394 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072403 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072438 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072446 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072449 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072499 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072520 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072572 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072581 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072594 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072602 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072609 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072645 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072649 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072668 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072686 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072716 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072725 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072733 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072742 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072749 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072767 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072788 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072791 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072871 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072892 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072907 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072945 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072949 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072950 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072957 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072964 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408072974 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073030 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073036 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073040 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073045 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073046 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073050 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073058 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073083 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073088 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073133 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073138 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073144 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073160 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073162 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073173 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073174 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073176 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073182 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073207 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073216 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073224 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073265 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073274 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073283 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073287 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073305 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073318 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073331 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073354 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073357 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073363 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073378 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073403 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073410 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073425 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073429 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073433 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073442 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073444 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073451 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073452 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073455 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073459 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073470 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073473 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073475 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073485 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073488 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073490 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073499 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073504 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073519 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073525 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073530 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073535 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073563 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073567 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073581 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073597 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073602 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073606 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073609 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073621 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073626 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073627 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073634 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073638 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073664 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073675 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073692 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073729 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073731 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073737 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073738 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073739 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073747 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073784 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073830 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |
| 408073837 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) |

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** |
| 10000019297 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10000019302 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 12XXXXXX93 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 12XXXXXX57 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 12XXXXXX67 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 12XXXXXX58 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX06 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX09 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX10 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX96 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX11 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX38 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX29 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX91 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX66 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX60 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 17XXXXXX51 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 17XXXXXX16 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 406045387 | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408020904 | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408022102 | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408022120 | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408022135 | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408022137 | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408022171 | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408022174 | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408022180 | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408022186 | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408022206 | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408022229 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408022281 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408022293 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408022323 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408022638 | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408064092 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408067379 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408068568 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408068650 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408069598 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408069685 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408069693 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408069970 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070034 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070039 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070507 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070528 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070536 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070551 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070562 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070596 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070633 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070648 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070716 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070733 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070739 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070740 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070742 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070747 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070748 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070777 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070781 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070784 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070794 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070822 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070846 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070865 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070875 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070907 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070909 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070912 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070920 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070954 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070961 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070974 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070975 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408070986 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071015 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071019 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071027 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071033 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071058 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071059 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071082 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071117 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071126 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071139 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071142 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071161 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071185 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071199 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071202 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071217 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071219 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071235 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071241 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071243 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071247 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071250 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071259 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071270 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071288 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071292 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071327 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071360 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071372 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071373 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071378 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071383 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071415 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071424 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071439 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071462 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071527 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071531 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071532 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071555 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071556 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071574 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071592 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071597 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071634 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071641 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071663 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071666 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071686 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071689 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071720 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071724 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071726 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071757 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071765 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071773 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071780 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071781 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071787 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071792 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071800 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071816 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071817 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071824 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071829 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071833 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071836 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071856 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071858 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071865 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071876 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071988 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071991 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408071998 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072011 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072026 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072033 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072073 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072081 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072094 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072127 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072128 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072129 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072137 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072139 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072264 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072266 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072293 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072307 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072350 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072352 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072367 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072377 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072392 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072394 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072403 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072438 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072446 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072449 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072499 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072520 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072572 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072581 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072594 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072602 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072609 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072645 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072649 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072668 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072686 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072716 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072725 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072733 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072742 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072749 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072767 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072788 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072791 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072871 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072892 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072907 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072945 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072949 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072950 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072957 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072964 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408072974 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073030 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073036 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073040 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073045 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073046 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073050 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073058 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073083 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073088 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073133 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073138 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073144 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073160 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073162 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073173 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073174 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073176 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073182 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073207 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073216 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073224 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073265 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073274 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073283 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073287 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073305 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073318 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073331 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073354 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073357 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073363 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073378 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073403 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073410 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073425 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073429 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073433 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073442 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073444 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073451 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073452 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073455 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073459 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073470 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073473 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073475 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073485 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073488 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073490 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073499 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073504 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073519 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073525 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073530 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073535 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073563 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073567 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073581 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073597 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073602 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073606 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073609 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073621 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073626 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073627 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073634 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073638 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073664 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073675 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073692 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073729 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073731 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073737 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073738 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073739 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073747 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073784 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073830 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |
| 408073837 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** |
| 10000019297 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 51.01 | 0 | 51.01 | 51.01 |
| 10000019302 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 50.55 | 0 | 50.55 | 50.55 |
| 12XXXXXX93 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 30.83 |
| 12XXXXXX57 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 20.05 |
| 12XXXXXX67 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 33.76 |
| 12XXXXXX58 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 41.88 |
| 15XXXXXX06 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 16.44 |
| 15XXXXXX09 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 18.92 |
| 15XXXXXX10 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 23.56 |
| 15XXXXXX96 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 10.26 |
| 15XXXXXX11 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 33.56 |
| 15XXXXXX38 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 34.4 |
| 15XXXXXX29 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 17.6 |
| 15XXXXXX91 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 25.37 |
| 15XXXXXX66 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 29.58 |
| 15XXXXXX60 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 23.23 |
| 17XXXXXX51 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 45.23 |
| 17XXXXXX16 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 27.65 |
| 406045387 | (No Data) | (No Data) | (No Data) | (No Data) | 17.63 | 17.63 | 17.63 | 17.63 | 17.63 |
| 408020904 | (No Data) | (No Data) | (No Data) | (No Data) | 35 | 36.59 | 35 | 36.59 | 36.59 |
| 408022102 | (No Data) | (No Data) | (No Data) | (No Data) | 36.89 | 36.89 | 36.89 | 36.89 | 36.89 |
| 408022120 | (No Data) | (No Data) | (No Data) | (No Data) | 36.27 | 36.27 | 36.27 | 36.27 | 36.27 |
| 408022135 | (No Data) | (No Data) | (No Data) | (No Data) | 35.01 | 35.01 | 35.01 | 35.01 | 35.01 |
| 408022137 | (No Data) | (No Data) | (No Data) | (No Data) | 30.65 | 30.65 | 30.65 | 30.65 | 30.65 |
| 408022171 | (No Data) | (No Data) | (No Data) | (No Data) | 40.59 | 40.59 | 40.59 | 40.59 | 40.59 |
| 408022174 | (No Data) | (No Data) | (No Data) | (No Data) | 42.11 | 42.23 | 42.11 | 42.23 | 42.23 |
| 408022180 | (No Data) | (No Data) | (No Data) | (No Data) | 26.47 | 26.48 | 26.47 | 26.48 | 26.48 |
| 408022186 | (No Data) | (No Data) | (No Data) | (No Data) | 40.97 | 40.83 | 40.97 | 40.83 | 40.83 |
| 408022206 | (No Data) | (No Data) | (No Data) | (No Data) | 36.23 | 36.23 | 36.23 | 36.23 | 36.23 |
| 408022229 | (No Data) | (No Data) | (No Data) | (No Data) | 38.55 | 38.26 | 38.55 | 38.26 | 38.26 |
| 408022281 | (No Data) | (No Data) | (No Data) | (No Data) | 42.7 | 43.3 | 42.7 | 43.3 | 43.3 |
| 408022293 | (No Data) | (No Data) | (No Data) | (No Data) | 12.89 | 12.82 | 12.89 | 12.82 | 12.82 |
| 408022323 | (No Data) | (No Data) | (No Data) | (No Data) | 49 | 48.78 | 49 | 48.78 | 48.78 |
| 408022638 | (No Data) | (No Data) | (No Data) | (No Data) | 34.21 | 34.21 | 34.21 | 34.21 | 34.21 |
| 408064092 | (No Data) | (No Data) | (No Data) | (No Data) | 49.99 | 49.99 | 49.99 | 49.99 | 49.99 |
| 408067379 | (No Data) | (No Data) | (No Data) | (No Data) | 41.69 | 42.9 | 41.69 | 42.9 | 42.9 |
| 408068568 | (No Data) | (No Data) | (No Data) | (No Data) | 8.4 | 8.4 | 8.4 | 8.4 | 8.4 |
| 408068650 | (No Data) | (No Data) | (No Data) | (No Data) | 49.26 | 49.26 | 49.26 | 49.26 | 49.26 |
| 408069598 | (No Data) | (No Data) | (No Data) | (No Data) | 36.41 | 36.41 | 36.41 | 36.41 | 36.41 |
| 408069685 | (No Data) | (No Data) | (No Data) | (No Data) | 19.87 | 19.89 | 19.87 | 19.89 | 19.89 |
| 408069693 | (No Data) | (No Data) | (No Data) | (No Data) | 47.06 | 47 | 47.06 | 47 | 47 |
| 408069970 | (No Data) | (No Data) | (No Data) | (No Data) | 27.49 | 28.58 | 27.49 | 28.58 | 28.58 |
| 408070034 | (No Data) | (No Data) | (No Data) | (No Data) | 33.55 | 33.9 | 33.55 | 33.9 | 33.9 |
| 408070039 | (No Data) | (No Data) | (No Data) | (No Data) | 44.59 | 41.94 | 44.59 | 41.94 | 41.94 |
| 408070507 | (No Data) | (No Data) | (No Data) | (No Data) | 31.63 | 42.99 | 31.63 | 42.99 | 42.99 |
| 408070528 | (No Data) | (No Data) | (No Data) | (No Data) | 34.92 | 34.66 | 34.92 | 34.66 | 34.66 |
| 408070536 | (No Data) | (No Data) | (No Data) | (No Data) | 11.95 | 11.96 | 11.95 | 11.96 | 11.96 |
| 408070551 | (No Data) | (No Data) | (No Data) | (No Data) | 24.36 | 24.36 | 24.36 | 24.36 | 24.36 |
| 408070562 | (No Data) | (No Data) | (No Data) | (No Data) | 37.37 | 37.11 | 37.37 | 37.11 | 37.11 |
| 408070596 | (No Data) | (No Data) | (No Data) | (No Data) | 39.2 | 38.73 | 39.2 | 38.73 | 38.73 |
| 408070633 | (No Data) | (No Data) | (No Data) | (No Data) | 43.57 | 43.9 | 43.57 | 43.9 | 43.9 |
| 408070648 | (No Data) | (No Data) | (No Data) | (No Data) | 44.67 | 44.67 | 44.67 | 44.67 | 44.67 |
| 408070716 | (No Data) | (No Data) | (No Data) | (No Data) | 38.29 | 37.41 | 38.29 | 37.41 | 37.41 |
| 408070733 | (No Data) | (No Data) | (No Data) | (No Data) | 35.32 | 35.32 | 35.32 | 35.32 | 35.32 |
| 408070739 | (No Data) | (No Data) | (No Data) | (No Data) | 25.12 | 24.16 | 25.12 | 24.16 | 24.16 |
| 408070740 | (No Data) | (No Data) | (No Data) | (No Data) | 44.51 | 44.51 | 44.51 | 44.51 | 44.51 |
| 408070742 | (No Data) | (No Data) | (No Data) | (No Data) | 46.72 | 46.72 | 46.72 | 46.72 | 46.72 |
| 408070747 | (No Data) | (No Data) | (No Data) | (No Data) | 39.31 | 39.31 | 39.31 | 39.31 | 39.31 |
| 408070748 | (No Data) | (No Data) | (No Data) | (No Data) | 35.62 | 35.44 | 35.62 | 35.44 | 35.44 |
| 408070777 | (No Data) | (No Data) | (No Data) | (No Data) | 39.69 | 41.65 | 39.69 | 41.65 | 41.65 |
| 408070781 | (No Data) | (No Data) | (No Data) | (No Data) | 27.26 | 27.26 | 27.26 | 27.26 | 27.26 |
| 408070784 | (No Data) | (No Data) | (No Data) | (No Data) | 28.76 | 28.76 | 28.76 | 28.76 | 28.76 |
| 408070794 | (No Data) | (No Data) | (No Data) | (No Data) | 35.61 | 35.12 | 35.61 | 35.12 | 35.12 |
| 408070822 | (No Data) | (No Data) | (No Data) | (No Data) | 36.39 | 36.39 | 36.39 | 36.39 | 36.39 |
| 408070846 | (No Data) | (No Data) | (No Data) | (No Data) | 25.29 | 26.86 | 25.29 | 26.86 | 26.86 |
| 408070865 | (No Data) | (No Data) | (No Data) | (No Data) | 42.78 | 42.66 | 42.78 | 42.66 | 42.66 |
| 408070875 | (No Data) | (No Data) | (No Data) | (No Data) | 30.53 | 30.67 | 30.53 | 30.67 | 30.67 |
| 408070907 | (No Data) | (No Data) | (No Data) | (No Data) | 42.73 | 42.73 | 42.73 | 42.73 | 42.73 |
| 408070909 | (No Data) | (No Data) | (No Data) | (No Data) | 35.28 | 35.28 | 35.28 | 35.28 | 35.28 |
| 408070912 | (No Data) | (No Data) | (No Data) | (No Data) | 42.12 | 42.12 | 42.12 | 42.12 | 42.12 |
| 408070920 | (No Data) | (No Data) | (No Data) | (No Data) | 31.28 | 31.28 | 31.28 | 31.28 | 31.28 |
| 408070954 | (No Data) | (No Data) | (No Data) | (No Data) | 42.77 | 42.77 | 42.77 | 42.77 | 42.77 |
| 408070961 | (No Data) | (No Data) | (No Data) | (No Data) | 39.19 | 44.61 | 39.19 | 44.61 | 44.61 |
| 408070974 | (No Data) | (No Data) | (No Data) | (No Data) | 42.32 | 41.81 | 42.32 | 41.81 | 41.81 |
| 408070975 | (No Data) | (No Data) | (No Data) | (No Data) | 49.65 | 49.71 | 49.65 | 49.71 | 49.71 |
| 408070986 | (No Data) | (No Data) | (No Data) | (No Data) | 42.82 | 42.83 | 42.82 | 42.83 | 42.83 |
| 408071015 | (No Data) | (No Data) | (No Data) | (No Data) | 27.39 | 27.94 | 27.39 | 27.94 | 27.94 |
| 408071019 | (No Data) | (No Data) | (No Data) | (No Data) | 36.38 | 36.32 | 36.38 | 36.32 | 36.32 |
| 408071027 | (No Data) | (No Data) | (No Data) | (No Data) | 36.08 | 36.08 | 36.08 | 36.08 | 36.08 |
| 408071033 | (No Data) | (No Data) | (No Data) | (No Data) | 25.61 | 25.62 | 25.61 | 25.62 | 25.62 |
| 408071058 | (No Data) | (No Data) | (No Data) | (No Data) | 40.13 | 41.24 | 40.13 | 41.24 | 41.24 |
| 408071059 | (No Data) | (No Data) | (No Data) | (No Data) | 15.01 | 21.53 | 15.01 | 21.53 | 21.53 |
| 408071082 | (No Data) | (No Data) | (No Data) | (No Data) | 40.15 | 41.76 | 40.15 | 41.76 | 41.76 |
| 408071117 | (No Data) | (No Data) | (No Data) | (No Data) | 34.73 | 34.73 | 34.73 | 34.73 | 34.73 |
| 408071126 | (No Data) | (No Data) | (No Data) | (No Data) | 33.17 | 33.15 | 33.17 | 33.15 | 33.15 |
| 408071139 | (No Data) | (No Data) | (No Data) | (No Data) | 30.23 | 30.14 | 30.23 | 30.14 | 30.14 |
| 408071142 | (No Data) | (No Data) | (No Data) | (No Data) | 49.37 | 49.22 | 49.37 | 49.22 | 49.22 |
| 408071161 | (No Data) | (No Data) | (No Data) | (No Data) | 42.96 | 42.92 | 42.96 | 42.92 | 42.92 |
| 408071185 | (No Data) | (No Data) | (No Data) | (No Data) | 38.84 | 38.71 | 38.84 | 38.71 | 38.71 |
| 408071199 | (No Data) | (No Data) | (No Data) | (No Data) | 38 | 38.01 | 38 | 38.01 | 38.01 |
| 408071202 | (No Data) | (No Data) | (No Data) | (No Data) | 47.77 | 47.77 | 47.77 | 47.77 | 47.77 |
| 408071217 | (No Data) | (No Data) | (No Data) | (No Data) | 49.52 | 49.52 | 49.52 | 49.52 | 49.52 |
| 408071219 | (No Data) | (No Data) | (No Data) | (No Data) | 44.52 | 44.53 | 44.52 | 44.53 | 44.53 |
| 408071235 | (No Data) | (No Data) | (No Data) | (No Data) | 26.94 | 26.18 | 26.94 | 26.18 | 26.18 |
| 408071241 | (No Data) | (No Data) | (No Data) | (No Data) | 27.38 | 26.95 | 27.38 | 26.95 | 26.95 |
| 408071243 | (No Data) | (No Data) | (No Data) | (No Data) | 46.98 | 44.89 | 46.98 | 44.89 | 44.89 |
| 408071247 | (No Data) | (No Data) | (No Data) | (No Data) | 41.92 | 41.79 | 41.92 | 41.79 | 41.79 |
| 408071250 | (No Data) | (No Data) | (No Data) | (No Data) | 40.94 | 34.6 | 40.94 | 34.6 | 34.6 |
| 408071259 | (No Data) | (No Data) | (No Data) | (No Data) | 42.97 | 39.8 | 42.97 | 39.8 | 39.8 |
| 408071270 | (No Data) | (No Data) | (No Data) | (No Data) | 37.95 | 37.94 | 37.95 | 37.94 | 37.94 |
| 408071288 | (No Data) | (No Data) | (No Data) | (No Data) | 32.43 | 32.43 | 32.43 | 32.43 | 32.43 |
| 408071292 | (No Data) | (No Data) | (No Data) | (No Data) | 37.75 | 37.69 | 37.75 | 37.69 | 37.69 |
| 408071327 | (No Data) | (No Data) | (No Data) | (No Data) | 37.5 | 32.85 | 37.5 | 32.85 | 32.85 |
| 408071360 | (No Data) | (No Data) | (No Data) | (No Data) | 27.66 | 27.66 | 27.66 | 27.66 | 27.66 |
| 408071372 | (No Data) | (No Data) | (No Data) | (No Data) | 42.38 | 40.54 | 42.38 | 40.54 | 40.54 |
| 408071373 | (No Data) | (No Data) | (No Data) | (No Data) | 46.85 | 46.22 | 46.85 | 46.22 | 46.22 |
| 408071378 | (No Data) | (No Data) | (No Data) | (No Data) | 42.49 | 42.5 | 42.49 | 42.5 | 42.5 |
| 408071383 | (No Data) | (No Data) | (No Data) | (No Data) | 28.46 | 29.01 | 28.5 | 29.01 | 29.01 |
| 408071415 | (No Data) | (No Data) | (No Data) | (No Data) | 48.46 | 48.84 | 48.46 | 48.84 | 48.84 |
| 408071424 | (No Data) | (No Data) | (No Data) | (No Data) | 29.3 | 29.13 | 29.3 | 29.13 | 29.13 |
| 408071439 | (No Data) | (No Data) | (No Data) | (No Data) | 36.92 | 36.85 | 36.92 | 36.85 | 36.85 |
| 408071462 | (No Data) | (No Data) | (No Data) | (No Data) | 32.92 | 32.96 | 32.92 | 32.96 | 32.96 |
| 408071527 | (No Data) | (No Data) | (No Data) | (No Data) | 37.58 | 37.58 | 37.58 | 37.58 | 37.58 |
| 408071531 | (No Data) | (No Data) | (No Data) | (No Data) | 45 | 45 | 45 | 45 | 45 |
| 408071532 | (No Data) | (No Data) | (No Data) | (No Data) | 44.83 | 44.84 | 44.83 | 44.84 | 44.84 |
| 408071555 | (No Data) | (No Data) | (No Data) | (No Data) | 35.22 | 31.9 | 35.22 | 31.9 | 31.9 |
| 408071556 | (No Data) | (No Data) | (No Data) | (No Data) | 42.95 | 42.95 | 42.95 | 42.95 | 42.95 |
| 408071574 | (No Data) | (No Data) | (No Data) | (No Data) | 42.38 | 42.24 | 42.38 | 42.24 | 42.24 |
| 408071592 | (No Data) | (No Data) | (No Data) | (No Data) | 27.25 | 24.33 | 27.25 | 24.33 | 24.33 |
| 408071597 | (No Data) | (No Data) | (No Data) | (No Data) | 35.38 | 35.38 | 35.38 | 35.38 | 35.38 |
| 408071634 | (No Data) | (No Data) | (No Data) | (No Data) | 34.86 | 34.18 | 34.86 | 34.18 | 34.18 |
| 408071641 | (No Data) | (No Data) | (No Data) | (No Data) | 42.95 | 42.97 | 42.95 | 42.97 | 42.97 |
| 408071663 | (No Data) | (No Data) | (No Data) | (No Data) | 48.17 | 48.17 | 48.17 | 48.17 | 48.17 |
| 408071666 | (No Data) | (No Data) | (No Data) | (No Data) | 23.3 | 23.3 | 23.3 | 23.3 | 23.3 |
| 408071686 | (No Data) | (No Data) | (No Data) | (No Data) | 48.86 | 48.86 | 48.86 | 48.86 | 48.86 |
| 408071689 | (No Data) | (No Data) | (No Data) | (No Data) | 43.03 | 43.13 | 43.03 | 43.13 | 43.13 |
| 408071720 | (No Data) | (No Data) | (No Data) | (No Data) | 37.71 | 37.87 | 37.71 | 37.87 | 37.87 |
| 408071724 | (No Data) | (No Data) | (No Data) | (No Data) | 35.11 | 35.03 | 35.11 | 35.03 | 35.03 |
| 408071726 | (No Data) | (No Data) | (No Data) | (No Data) | 36.74 | 36.74 | 36.74 | 36.74 | 36.74 |
| 408071757 | (No Data) | (No Data) | (No Data) | (No Data) | 21.2 | 21.43 | 21.2 | 21.43 | 21.43 |
| 408071765 | (No Data) | (No Data) | (No Data) | (No Data) | 40.52 | 42.28 | 40.52 | 42.28 | 42.28 |
| 408071773 | (No Data) | (No Data) | (No Data) | (No Data) | 41.41 | 41.41 | 41.41 | 41.41 | 41.41 |
| 408071780 | (No Data) | (No Data) | (No Data) | (No Data) | 34.96 | 34.96 | 34.96 | 34.96 | 34.96 |
| 408071781 | (No Data) | (No Data) | (No Data) | (No Data) | 42.85 | 42.86 | 42.85 | 42.86 | 42.86 |
| 408071787 | (No Data) | (No Data) | (No Data) | (No Data) | 32.31 | 32.31 | 32.31 | 32.31 | 32.31 |
| 408071792 | (No Data) | (No Data) | (No Data) | (No Data) | 28.6 | 28.03 | 28.6 | 28.03 | 28.03 |
| 408071800 | (No Data) | (No Data) | (No Data) | (No Data) | 45.28 | 45.27 | 45.28 | 45.27 | 45.27 |
| 408071816 | (No Data) | (No Data) | (No Data) | (No Data) | 31.41 | 31.15 | 31.41 | 31.15 | 31.15 |
| 408071817 | (No Data) | (No Data) | (No Data) | (No Data) | 36.32 | 35.8 | 36.32 | 35.8 | 35.8 |
| 408071824 | (No Data) | (No Data) | (No Data) | (No Data) | 21.99 | 21.23 | 21.99 | 21.23 | 21.23 |
| 408071829 | (No Data) | (No Data) | (No Data) | (No Data) | 41.55 | 41.55 | 41.55 | 41.55 | 41.55 |
| 408071833 | (No Data) | (No Data) | (No Data) | (No Data) | 25.31 | 25.29 | 25.31 | 25.29 | 25.29 |
| 408071836 | (No Data) | (No Data) | (No Data) | (No Data) | 42.22 | 40.92 | 42.22 | 40.92 | 40.92 |
| 408071856 | (No Data) | (No Data) | (No Data) | (No Data) | 39.14 | 39.06 | 39.14 | 39.06 | 39.06 |
| 408071858 | (No Data) | (No Data) | (No Data) | (No Data) | 40.44 | 40.44 | 40.44 | 40.44 | 40.44 |
| 408071865 | (No Data) | (No Data) | (No Data) | (No Data) | 21.97 | 21.88 | 21.97 | 21.88 | 21.88 |
| 408071876 | (No Data) | (No Data) | (No Data) | (No Data) | 34.26 | 32.87 | 34.26 | 32.87 | 32.87 |
| 408071988 | (No Data) | (No Data) | (No Data) | (No Data) | 40.87 | 40.87 | 40.87 | 40.87 | 40.87 |
| 408071991 | (No Data) | (No Data) | (No Data) | (No Data) | 38.72 | 38.72 | 38.72 | 38.72 | 38.72 |
| 408071998 | (No Data) | (No Data) | (No Data) | (No Data) | 24.72 | 24.52 | 24.72 | 24.52 | 24.52 |
| 408072011 | (No Data) | (No Data) | (No Data) | (No Data) | 20.88 | 20.95 | 20.88 | 20.95 | 20.95 |
| 408072026 | (No Data) | (No Data) | (No Data) | (No Data) | 40.72 | 41.02 | 40.72 | 41.02 | 41.02 |
| 408072033 | (No Data) | (No Data) | (No Data) | (No Data) | 34.66 | 34.48 | 34.66 | 34.48 | 34.48 |
| 408072073 | (No Data) | (No Data) | (No Data) | (No Data) | 40.1 | 38.82 | 40.1 | 38.82 | 38.82 |
| 408072081 | (No Data) | (No Data) | (No Data) | (No Data) | 48.18 | 48.18 | 48.18 | 48.18 | 48.18 |
| 408072094 | (No Data) | (No Data) | (No Data) | (No Data) | 40.06 | 39.94 | 40.06 | 39.94 | 39.94 |
| 408072127 | (No Data) | (No Data) | (No Data) | (No Data) | 46.85 | 46.85 | 46.85 | 46.85 | 46.85 |
| 408072128 | (No Data) | (No Data) | (No Data) | (No Data) | 35.48 | 35.08 | 35.48 | 35.08 | 35.08 |
| 408072129 | (No Data) | (No Data) | (No Data) | (No Data) | 36.79 | 36.79 | 36.79 | 36.79 | 36.79 |
| 408072137 | (No Data) | (No Data) | (No Data) | (No Data) | 30.43 | 30.43 | 30.43 | 30.43 | 30.43 |
| 408072139 | (No Data) | (No Data) | (No Data) | (No Data) | 34.95 | 34.95 | 34.95 | 34.95 | 34.95 |
| 408072264 | (No Data) | (No Data) | (No Data) | (No Data) | 47.27 | 47.47 | 47.27 | 47.47 | 47.47 |
| 408072266 | (No Data) | (No Data) | (No Data) | (No Data) | 33.64 | 33.64 | 33.64 | 33.64 | 33.64 |
| 408072293 | (No Data) | (No Data) | (No Data) | (No Data) | 34.71 | 35.64 | 34.7 | 35.64 | 35.64 |
| 408072307 | (No Data) | (No Data) | (No Data) | (No Data) | 8.67 | 8.67 | 8.67 | 8.67 | 8.67 |
| 408072350 | (No Data) | (No Data) | (No Data) | (No Data) | 31.63 | 31.63 | 31.63 | 31.63 | 31.63 |
| 408072352 | (No Data) | (No Data) | (No Data) | (No Data) | 32.94 | 32.94 | 32.94 | 32.94 | 32.94 |
| 408072367 | (No Data) | (No Data) | (No Data) | (No Data) | 41.03 | 41.03 | 41.03 | 41.03 | 41.03 |
| 408072377 | (No Data) | (No Data) | (No Data) | (No Data) | 39.33 | 39.33 | 39.33 | 39.33 | 39.33 |
| 408072392 | (No Data) | (No Data) | (No Data) | (No Data) | 48.89 | 48.89 | 48.89 | 48.89 | 48.89 |
| 408072394 | (No Data) | (No Data) | (No Data) | (No Data) | 30.67 | 30.79 | 30.67 | 30.79 | 30.79 |
| 408072403 | (No Data) | (No Data) | (No Data) | (No Data) | 46.62 | 45.56 | 46.62 | 45.56 | 45.56 |
| 408072438 | (No Data) | (No Data) | (No Data) | (No Data) | 31.98 | 31.81 | 31.98 | 31.81 | 31.81 |
| 408072446 | (No Data) | (No Data) | (No Data) | (No Data) | 47 | 47 | 47 | 47 | 47 |
| 408072449 | (No Data) | (No Data) | (No Data) | (No Data) | 30.55 | 30.55 | 30.55 | 30.55 | 30.55 |
| 408072499 | (No Data) | (No Data) | (No Data) | (No Data) | 33.05 | 33.05 | 33.05 | 33.05 | 33.05 |
| 408072520 | (No Data) | (No Data) | (No Data) | (No Data) | 29.33 | 29.32 | 29.33 | 29.32 | 29.32 |
| 408072572 | (No Data) | (No Data) | (No Data) | (No Data) | 40.42 | 40.43 | 40.42 | 40.43 | 40.43 |
| 408072581 | (No Data) | (No Data) | (No Data) | (No Data) | 34.51 | 34.22 | 34.51 | 34.22 | 34.22 |
| 408072594 | (No Data) | (No Data) | (No Data) | (No Data) | 42.49 | 42.94 | 42.49 | 42.94 | 42.94 |
| 408072602 | (No Data) | (No Data) | (No Data) | (No Data) | 43.03 | 42.64 | 43.03 | 42.64 | 42.64 |
| 408072609 | (No Data) | (No Data) | (No Data) | (No Data) | 42.52 | 41.97 | 42.52 | 41.97 | 41.97 |
| 408072645 | (No Data) | (No Data) | (No Data) | (No Data) | 46.99 | 46.99 | 46.99 | 46.99 | 46.99 |
| 408072649 | (No Data) | (No Data) | (No Data) | (No Data) | 49.81 | 49.76 | 49.81 | 49.76 | 49.76 |
| 408072668 | (No Data) | (No Data) | (No Data) | (No Data) | 38.19 | 38.2 | 38.19 | 38.2 | 38.2 |
| 408072686 | (No Data) | (No Data) | (No Data) | (No Data) | 37.7 | 37.72 | 37.7 | 37.72 | 37.72 |
| 408072716 | (No Data) | (No Data) | (No Data) | (No Data) | 44.59 | 44.39 | 44.59 | 44.39 | 44.39 |
| 408072725 | (No Data) | (No Data) | (No Data) | (No Data) | 29.03 | 28.68 | 29.03 | 28.68 | 28.68 |
| 408072733 | (No Data) | (No Data) | (No Data) | (No Data) | 42.85 | 42.9 | 46.31 | 42.9 | 42.9 |
| 408072742 | (No Data) | (No Data) | (No Data) | (No Data) | 39.46 | 38.85 | 39.46 | 38.85 | 38.85 |
| 408072749 | (No Data) | (No Data) | (No Data) | (No Data) | 44.34 | 44.34 | 44.34 | 44.34 | 44.34 |
| 408072767 | (No Data) | (No Data) | (No Data) | (No Data) | 38.62 | 38.62 | 38.62 | 38.62 | 38.62 |
| 408072788 | (No Data) | (No Data) | (No Data) | (No Data) | 42.48 | 42.48 | 42.48 | 42.48 | 42.48 |
| 408072791 | (No Data) | (No Data) | (No Data) | (No Data) | 48.33 | 48.33 | 48.33 | 48.33 | 48.33 |
| 408072871 | (No Data) | (No Data) | (No Data) | (No Data) | 43.07 | 44.45 | 44.45 | 44.45 | 44.45 |
| 408072892 | (No Data) | (No Data) | (No Data) | (No Data) | 44.27 | 42.45 | 44.27 | 42.45 | 42.45 |
| 408072907 | (No Data) | (No Data) | (No Data) | (No Data) | 42.19 | 42.64 | 42.19 | 42.64 | 42.64 |
| 408072945 | (No Data) | (No Data) | (No Data) | (No Data) | 35.99 | 35.99 | 35.99 | 35.99 | 35.99 |
| 408072949 | (No Data) | (No Data) | (No Data) | (No Data) | 47.42 | 47.89 | 47.42 | 47.89 | 47.89 |
| 408072950 | (No Data) | (No Data) | (No Data) | (No Data) | 33.01 | 33.02 | 33.01 | 33.02 | 33.02 |
| 408072957 | (No Data) | (No Data) | (No Data) | (No Data) | 44.29 | 43.58 | 44.29 | 43.58 | 43.58 |
| 408072964 | (No Data) | (No Data) | (No Data) | (No Data) | 49.68 | 49.68 | 49.68 | 49.68 | 49.68 |
| 408072974 | (No Data) | (No Data) | (No Data) | (No Data) | 45.03 | 45.88 | 45.03 | 45.88 | 45.88 |
| 408073030 | (No Data) | (No Data) | (No Data) | (No Data) | 39.24 | 42.04 | 39.24 | 42.04 | 42.04 |
| 408073036 | (No Data) | (No Data) | (No Data) | (No Data) | 41.04 | 38.54 | 41.04 | 38.54 | 38.54 |
| 408073040 | (No Data) | (No Data) | (No Data) | (No Data) | 32.49 | 31.74 | 32.49 | 31.74 | 31.74 |
| 408073045 | (No Data) | (No Data) | (No Data) | (No Data) | 39.69 | 43.23 | 39.69 | 43.23 | 43.23 |
| 408073046 | (No Data) | (No Data) | (No Data) | (No Data) | 31.14 | 30.92 | 31.14 | 30.92 | 30.92 |
| 408073050 | (No Data) | (No Data) | (No Data) | (No Data) | 35.92 | 36.15 | 35.92 | 36.15 | 36.15 |
| 408073058 | (No Data) | (No Data) | (No Data) | (No Data) | 26.5 | 40.15 | 26.5 | 40.15 | 40.15 |
| 408073083 | (No Data) | (No Data) | (No Data) | (No Data) | 39.23 | 39.23 | 39.23 | 39.23 | 39.23 |
| 408073088 | (No Data) | (No Data) | (No Data) | (No Data) | 48.49 | 48.28 | 48.49 | 48.28 | 48.28 |
| 408073133 | (No Data) | (No Data) | (No Data) | (No Data) | 38.97 | 38.97 | 38.97 | 38.97 | 38.97 |
| 408073138 | (No Data) | (No Data) | (No Data) | (No Data) | 41.34 | 38.92 | 41.34 | 38.92 | 38.92 |
| 408073144 | (No Data) | (No Data) | (No Data) | (No Data) | 38.97 | 39.54 | 39.54 | 39.54 | 39.54 |
| 408073160 | (No Data) | (No Data) | (No Data) | (No Data) | 36.61 | 34.89 | 36.61 | 34.89 | 34.89 |
| 408073162 | (No Data) | (No Data) | (No Data) | (No Data) | 44.04 | 44.04 | 44.04 | 44.04 | 44.04 |
| 408073173 | (No Data) | (No Data) | (No Data) | (No Data) | 44.37 | 44.37 | 44.37 | 44.37 | 44.37 |
| 408073174 | (No Data) | (No Data) | (No Data) | (No Data) | 44.01 | 44.01 | 44.01 | 44.01 | 44.01 |
| 408073176 | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.07 | 0 | 40.07 | 40.07 |
| 408073182 | (No Data) | (No Data) | (No Data) | (No Data) | 39.05 | 38.93 | 39.05 | 38.93 | 38.93 |
| 408073207 | (No Data) | (No Data) | (No Data) | (No Data) | 36.74 | 36.74 | 36.74 | 36.74 | 36.74 |
| 408073216 | (No Data) | (No Data) | (No Data) | (No Data) | 42.94 | 42.94 | 42.94 | 42.94 | 42.94 |
| 408073224 | (No Data) | (No Data) | (No Data) | (No Data) | 29.93 | 29.93 | 29.93 | 29.93 | 29.93 |
| 408073265 | (No Data) | (No Data) | (No Data) | (No Data) | 40.24 | 40.21 | 40.24 | 40.21 | 40.21 |
| 408073274 | (No Data) | (No Data) | (No Data) | (No Data) | 45.81 | 45.91 | 45.81 | 45.91 | 45.91 |
| 408073283 | (No Data) | (No Data) | (No Data) | (No Data) | 42.02 | 26.88 | 42.02 | 26.88 | 26.88 |
| 408073287 | (No Data) | (No Data) | (No Data) | (No Data) | 17.26 | 17.01 | 17.26 | 17.01 | 17.01 |
| 408073305 | (No Data) | (No Data) | (No Data) | (No Data) | 5.17 | 4.7 | 5.17 | 4.7 | 4.7 |
| 408073318 | (No Data) | (No Data) | (No Data) | (No Data) | 44.28 | 45.16 | 44.28 | 45.16 | 45.16 |
| 408073331 | (No Data) | (No Data) | (No Data) | (No Data) | 28.26 | 28.26 | 28.26 | 28.26 | 28.26 |
| 408073354 | (No Data) | (No Data) | (No Data) | (No Data) | 37.01 | 36.17 | 37.01 | 36.17 | 36.17 |
| 408073357 | (No Data) | (No Data) | (No Data) | (No Data) | 30.81 | 30.64 | 30.81 | 30.64 | 30.64 |
| 408073363 | (No Data) | (No Data) | (No Data) | (No Data) | 44.98 | 44.98 | 44.98 | 44.98 | 44.98 |
| 408073378 | (No Data) | (No Data) | (No Data) | (No Data) | 38.53 | 38.53 | 38.53 | 38.53 | 38.53 |
| 408073403 | (No Data) | (No Data) | (No Data) | (No Data) | 29.23 | 29.66 | 29.23 | 29.66 | 29.66 |
| 408073410 | (No Data) | (No Data) | (No Data) | (No Data) | 42.76 | 42.4 | 42.76 | 42.4 | 42.4 |
| 408073425 | (No Data) | (No Data) | (No Data) | (No Data) | 42 | 42 | 42 | 42 | 42 |
| 408073429 | (No Data) | (No Data) | (No Data) | (No Data) | 35.34 | 34.68 | 35.34 | 34.68 | 34.68 |
| 408073433 | (No Data) | (No Data) | (No Data) | (No Data) | 46.69 | 46.86 | 46.69 | 46.86 | 46.86 |
| 408073442 | (No Data) | (No Data) | (No Data) | (No Data) | 42.24 | 42.14 | 42.24 | 42.14 | 42.14 |
| 408073444 | (No Data) | (No Data) | (No Data) | (No Data) | 44.82 | 43.68 | 44.82 | 43.68 | 43.68 |
| 408073451 | (No Data) | (No Data) | (No Data) | (No Data) | 42.68 | 40.94 | 42.68 | 40.94 | 40.94 |
| 408073452 | (No Data) | (No Data) | (No Data) | (No Data) | 41.73 | 41.73 | 41.73 | 41.73 | 41.73 |
| 408073455 | (No Data) | (No Data) | (No Data) | (No Data) | 43.43 | 43.91 | 43.43 | 43.91 | 43.91 |
| 408073459 | (No Data) | (No Data) | (No Data) | (No Data) | 49.95 | 49.23 | 49.95 | 49.23 | 49.23 |
| 408073470 | (No Data) | (No Data) | (No Data) | (No Data) | 44.25 | 43.98 | 44.25 | 43.98 | 43.98 |
| 408073473 | (No Data) | (No Data) | (No Data) | (No Data) | 27.25 | 27.09 | 27.25 | 27.09 | 27.09 |
| 408073475 | (No Data) | (No Data) | (No Data) | (No Data) | 44.97 | 44.96 | 44.97 | 44.96 | 44.96 |
| 408073485 | (No Data) | (No Data) | (No Data) | (No Data) | 40.98 | 40.95 | 40.98 | 40.95 | 40.95 |
| 408073488 | (No Data) | (No Data) | (No Data) | (No Data) | 39.69 | 42.64 | 39.69 | 42.64 | 42.64 |
| 408073490 | (No Data) | (No Data) | (No Data) | (No Data) | 40.46 | 40.64 | 40.46 | 40.64 | 40.64 |
| 408073499 | (No Data) | (No Data) | (No Data) | (No Data) | 19.51 | 19.51 | 19.51 | 19.51 | 19.51 |
| 408073504 | (No Data) | (No Data) | (No Data) | (No Data) | 42.8 | 39.85 | 42.8 | 39.85 | 39.85 |
| 408073519 | (No Data) | (No Data) | (No Data) | (No Data) | 43.99 | 43.99 | 43.99 | 43.99 | 43.99 |
| 408073525 | (No Data) | (No Data) | (No Data) | (No Data) | 41.25 | 40.12 | 41.25 | 40.12 | 40.12 |
| 408073530 | (No Data) | (No Data) | (No Data) | (No Data) | 37.62 | 39.76 | 37.62 | 39.76 | 39.76 |
| 408073535 | (No Data) | (No Data) | (No Data) | (No Data) | 31.93 | 31.93 | 31.93 | 31.93 | 31.93 |
| 408073563 | (No Data) | (No Data) | (No Data) | (No Data) | 40.89 | 41.99 | 40.89 | 41.99 | 41.99 |
| 408073567 | (No Data) | (No Data) | (No Data) | (No Data) | 43.51 | 43.49 | 43.51 | 43.49 | 43.49 |
| 408073581 | (No Data) | (No Data) | (No Data) | (No Data) | 45.37 | 45.37 | 45.37 | 45.37 | 45.37 |
| 408073597 | (No Data) | (No Data) | (No Data) | (No Data) | 36.97 | 36.81 | 36.97 | 36.81 | 36.81 |
| 408073602 | (No Data) | (No Data) | (No Data) | (No Data) | 42.94 | 43.56 | 42.94 | 43.56 | 43.56 |
| 408073606 | (No Data) | (No Data) | (No Data) | (No Data) | 39.34 | 39.29 | 39.34 | 39.29 | 39.29 |
| 408073609 | (No Data) | (No Data) | (No Data) | (No Data) | 27.93 | 27.93 | 27.93 | 27.93 | 27.93 |
| 408073621 | (No Data) | (No Data) | (No Data) | (No Data) | 43.77 | 43.77 | 43.77 | 43.77 | 43.77 |
| 408073626 | (No Data) | (No Data) | (No Data) | (No Data) | 44.27 | 41.29 | 44.27 | 41.29 | 41.29 |
| 408073627 | (No Data) | (No Data) | (No Data) | (No Data) | 44.72 | 44.72 | 44.72 | 44.72 | 44.72 |
| 408073634 | (No Data) | (No Data) | (No Data) | (No Data) | 42.28 | 42.28 | 42.28 | 42.28 | 42.28 |
| 408073638 | (No Data) | (No Data) | (No Data) | (No Data) | 44.69 | 44.69 | 44.69 | 44.69 | 44.69 |
| 408073664 | (No Data) | (No Data) | (No Data) | (No Data) | 42.94 | 42.61 | 42.94 | 42.61 | 42.61 |
| 408073675 | (No Data) | (No Data) | (No Data) | (No Data) | 44.44 | 44.44 | 44.44 | 44.44 | 44.44 |
| 408073692 | (No Data) | (No Data) | (No Data) | (No Data) | 26.33 | 26.32 | 26.33 | 26.32 | 26.32 |
| 408073729 | (No Data) | (No Data) | (No Data) | (No Data) | 23.66 | 23.45 | 23.66 | 23.45 | 23.45 |
| 408073731 | (No Data) | (No Data) | (No Data) | (No Data) | 41.59 | 40.13 | 41.59 | 40.13 | 40.13 |
| 408073737 | (No Data) | (No Data) | (No Data) | (No Data) | 44.37 | 44.37 | 44.37 | 44.37 | 44.37 |
| 408073738 | (No Data) | (No Data) | (No Data) | (No Data) | 42.95 | 42.78 | 42.95 | 42.78 | 42.78 |
| 408073739 | (No Data) | (No Data) | (No Data) | (No Data) | 42.86 | 42.61 | 42.86 | 42.61 | 42.61 |
| 408073747 | (No Data) | (No Data) | (No Data) | (No Data) | 38.29 | 36.48 | 38.29 | 36.48 | 36.48 |
| 408073784 | (No Data) | (No Data) | (No Data) | (No Data) | 42.41 | 42.5 | 42.41 | 42.5 | 42.5 |
| 408073830 | (No Data) | (No Data) | (No Data) | (No Data) | 33.03 | 33.33 | 33.03 | 33.33 | 33.33 |
| 408073837 | (No Data) | (No Data) | (No Data) | (No Data) | 40.32 | 39.74 | 40.32 | 39.74 | 39.74 |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** |
| 10000019297 | 51.01 | (No Data) | (No Data) | (No Data) | 4412.95 | (No Data) | XXXX | (No Data) | XXXX | No |
| 10000019302 | 50.55 | (No Data) | (No Data) | (No Data) | 9143.9 | (No Data) | XXXX | (No Data) | XXXX | No |
| 12XXXXXX93 | 30.83 | (No Data) | (No Data) | (No Data) | 40299.21 | (No Data) | XXXX | (No Data) | XXXX | No |
| 12XXXXXX57 | 20.05 | (No Data) | (No Data) | (No Data) | 29152.58 | (No Data) | XXXX | (No Data) | XXXX | No |
| 12XXXXXX67 | 33.76 | (No Data) | (No Data) | (No Data) | 12423.1 | (No Data) | XXXX | (No Data) | XXXX | No |
| 12XXXXXX58 | 41.88 | (No Data) | (No Data) | (No Data) | 15309.05 | (No Data) | XXXX | (No Data) | XXXX | No |
| 15XXXXXX06 | 16.44 | (No Data) | (No Data) | (No Data) | 63179.45 | (No Data) | XXXX | (No Data) | XXXX | No |
| 15XXXXXX09 | 18.92 | (No Data) | (No Data) | (No Data) | 33279.11 | (No Data) | XXXX | (No Data) | XXXX | No |
| 15XXXXXX10 | 23.56 | (No Data) | (No Data) | (No Data) | 20080.08 | (No Data) | XXXX | (No Data) | XXXX | No |
| 15XXXXXX96 | 10.26 | (No Data) | (No Data) | (No Data) | 48297.61 | (No Data) | XXXX | (No Data) | XXXX | No |
| 15XXXXXX11 | 33.56 | (No Data) | (No Data) | (No Data) | 16333.54 | (No Data) | XXXX | (No Data) | XXXX | No |
| 15XXXXXX38 | 34.4 | (No Data) | (No Data) | (No Data) | 18627.79 | (No Data) | XXXX | (No Data) | XXXX | No |
| 15XXXXXX29 | 17.6 | (No Data) | (No Data) | (No Data) | 35826 | (No Data) | XXXX | (No Data) | XXXX | No |
| 15XXXXXX91 | 25.37 | (No Data) | (No Data) | (No Data) | 27249.65 | (No Data) | XXXX | (No Data) | XXXX | No |
| 15XXXXXX66 | 29.58 | (No Data) | (No Data) | (No Data) | 15550.83 | (No Data) | XXXX | (No Data) | XXXX | No |
| 15XXXXXX60 | 23.23 | (No Data) | (No Data) | (No Data) | 61019.28 | (No Data) | XXXX | (No Data) | XXXX | No |
| 17XXXXXX51 | 45.23 | (No Data) | (No Data) | (No Data) | 12277.9 | (No Data) | XXXX | (No Data) | XXXX | No |
| 17XXXXXX16 | 27.65 | (No Data) | (No Data) | (No Data) | 28364.51 | (No Data) | XXXX | (No Data) | XXXX | No |
| 406045387 | 17.63 | No | No | (No Data) | 14415.24 | (No Data) | XXXX | (No Data) | XXXX | Yes |
| 408020904 | 36.59 | No | No | (No Data) | 9109.04 | No | XXXX | No | XXXX | Yes |
| 408022102 | 36.89 | No | No | (No Data) | 8270.01 | No | XXXX | No | XXXX | Yes |
| 408022120 | 36.27 | No | No | (No Data) | 9153.16 | No | XXXX | No | XXXX | Yes |
| 408022135 | 35.01 | No | No | (No Data) | 12775.84 | No | XXXX | No | XXXX | Yes |
| 408022137 | 30.65 | No | No | (No Data) | 13686.89 | No | XXXX | No | XXXX | Yes |
| 408022171 | 40.59 | No | No | (No Data) | 7599.49 | No | XXXX | No | XXXX | Yes |
| 408022174 | 42.23 | No | No | (No Data) | 5067.55 | No | XXXX | No | XXXX | Yes |
| 408022180 | 26.48 | No | No | (No Data) | 19017.2 | No | XXXX | No | XXXX | Yes |
| 408022186 | 40.83 | No | No | (No Data) | 9747.51 | No | XXXX | No | XXXX | Yes |
| 408022206 | 36.23 | No | No | (No Data) | 8697.88 | No | XXXX | No | XXXX | Yes |
| 408022229 | 38.26 | No | No | (No Data) | 6842.71 | No | XXXX | No | XXXX | Yes |
| 408022281 | 43.3 | No | No | (No Data) | 6655.04 | No | XXXX | No | XXXX | Yes |
| 408022293 | 12.82 | No | No | (No Data) | 44143.61 | No | XXXX | No | XXXX | Yes |
| 408022323 | 48.78 | No | No | (No Data) | 5891.26 | No | XXXX | No | XXXX | Yes |
| 408022638 | 34.21 | No | No | (No Data) | 8766.02 | No | XXXX | No | XXXX | Yes |
| 408064092 | 49.99 | Yes | Yes | Yes | 6589.68 | No | XXXX | No | XXXX | No |
| 408067379 | 42.9 | No | No | (No Data) | 14753.45 | No | XXXX | No | XXXX | No |
| 408068568 | 8.4 | No | No | (No Data) | 83963.61 | No | XXXX | No | XXXX | No |
| 408068650 | 49.26 | Yes | Yes | Yes | 6716.49 | No | XXXX | No | XXXX | No |
| 408069598 | 36.41 | No | No | (No Data) | 11658.25 | No | XXXX | No | XXXX | No |
| 408069685 | 19.89 | No | No | (No Data) | 37877.81 | No | XXXX | No | XXXX | No |
| 408069693 | 47 | Yes | Yes | Yes | 23232.19 | No | XXXX | No | XXXX | No |
| 408069970 | 28.58 | No | No | (No Data) | 14566.44 | No | XXXX | No | XXXX | No |
| 408070034 | 33.9 | No | Yes | Yes | 19112.18 | No | XXXX | No | XXXX | No |
| 408070039 | 41.94 | Yes | Yes | Yes | 10133.67 | No | XXXX | No | XXXX | No |
| 408070507 | 42.99 | No | No | (No Data) | 17469.96 | No | XXXX | No | XXXX | No |
| 408070528 | 34.66 | No | Yes | Yes | 9577.95 | No | XXXX | No | XXXX | No |
| 408070536 | 11.96 | Yes | Yes | Yes | 44543.07 | No | XXXX | No | XXXX | No |
| 408070551 | 24.36 | No | Yes | Yes | 20767.38 | No | XXXX | No | XXXX | No |
| 408070562 | 37.11 | No | No | (No Data) | 14731.38 | No | XXXX | No | XXXX | No |
| 408070596 | 38.73 | No | Yes | Yes | 18255.69 | No | XXXX | No | XXXX | No |
| 408070633 | 43.9 | No | No | (No Data) | 10451.22 | No | XXXX | No | XXXX | No |
| 408070648 | 44.67 | No | No | (No Data) | 8303.55 | No | XXXX | No | XXXX | No |
| 408070716 | 37.41 | No | No | (No Data) | 13926.82 | No | XXXX | No | XXXX | No |
| 408070733 | 35.32 | No | No | (No Data) | 13292.55 | No | XXXX | No | XXXX | No |
| 408070739 | 24.16 | No | No | (No Data) | 22159.1 | No | XXXX | No | XXXX | No |
| 408070740 | 44.51 | No | No | (No Data) | 7195.07 | No | XXXX | No | XXXX | No |
| 408070742 | 46.72 | Yes | Yes | Yes | 10518.96 | No | XXXX | No | XXXX | No |
| 408070747 | 39.31 | No | No | (No Data) | 12936.89 | No | XXXX | No | XXXX | No |
| 408070748 | 35.44 | Yes | Yes | Yes | 14525.79 | No | XXXX | No | XXXX | No |
| 408070777 | 41.65 | No | Yes | Yes | 7149.2 | No | XXXX | No | XXXX | No |
| 408070781 | 27.26 | No | No | (No Data) | 16598.94 | No | XXXX | No | XXXX | No |
| 408070784 | 28.76 | No | No | (No Data) | 15138.3 | No | XXXX | No | XXXX | No |
| 408070794 | 35.12 | No | No | (No Data) | 22319.18 | No | XXXX | No | XXXX | No |
| 408070822 | 36.39 | No | No | (No Data) | 17493.04 | No | XXXX | No | XXXX | No |
| 408070846 | 26.86 | No | Yes | Yes | 27641.92 | No | XXXX | No | XXXX | No |
| 408070865 | 42.66 | No | No | (No Data) | 10878.9 | No | XXXX | No | XXXX | No |
| 408070875 | 30.67 | No | No | (No Data) | 12867.77 | No | XXXX | No | XXXX | No |
| 408070907 | 42.73 | No | No | (No Data) | 8712.79 | No | XXXX | No | XXXX | No |
| 408070909 | 35.28 | Yes | Yes | Yes | 12877.39 | No | XXXX | No | XXXX | No |
| 408070912 | 42.12 | No | No | (No Data) | 27220.52 | No | XXXX | No | XXXX | No |
| 408070920 | 31.28 | Yes | Yes | Yes | 10021.43 | No | XXXX | No | XXXX | No |
| 408070954 | 42.77 | Yes | Yes | Yes | 10802.31 | No | XXXX | No | XXXX | No |
| 408070961 | 44.61 | No | No | (No Data) | 12001.97 | No | XXXX | No | XXXX | No |
| 408070974 | 41.81 | No | No | (No Data) | 6546.28 | No | XXXX | No | XXXX | No |
| 408070975 | 49.71 | No | Yes | Yes | 6242.19 | No | XXXX | No | XXXX | No |
| 408070986 | 42.83 | No | No | (No Data) | 6669.55 | No | XXXX | No | XXXX | No |
| 408071015 | 27.94 | No | No | (No Data) | 29787.12 | No | XXXX | No | XXXX | No |
| 408071019 | 36.32 | No | No | (No Data) | 10385.96 | No | XXXX | No | XXXX | No |
| 408071027 | 36.08 | No | Yes | Yes | 35208.42 | No | XXXX | No | XXXX | No |
| 408071033 | 25.62 | No | No | (No Data) | 13946.73 | No | XXXX | No | XXXX | No |
| 408071058 | 41.24 | No | No | (No Data) | 12360.75 | No | XXXX | No | XXXX | No |
| 408071059 | 21.53 | No | No | (No Data) | 55769.97 | No | XXXX | No | XXXX | No |
| 408071082 | 41.76 | No | No | (No Data) | 6423.36 | No | XXXX | No | XXXX | No |
| 408071117 | 34.73 | No | No | (No Data) | 12044.48 | No | XXXX | No | XXXX | No |
| 408071126 | 33.15 | No | Yes | Yes | 11420.62 | No | XXXX | No | XXXX | No |
| 408071139 | 30.14 | No | No | (No Data) | 25225.88 | No | XXXX | No | XXXX | No |
| 408071142 | 49.22 | Yes | Yes | Yes | 7043.97 | No | XXXX | No | XXXX | No |
| 408071161 | 42.92 | No | Yes | Yes | 13468.13 | No | XXXX | No | XXXX | No |
| 408071185 | 38.71 | Yes | Yes | Yes | 9981.5 | No | XXXX | No | XXXX | No |
| 408071199 | 38.01 | No | No | (No Data) | 19158.51 | No | XXXX | No | XXXX | No |
| 408071202 | 47.77 | Yes | Yes | Yes | 10503.24 | No | XXXX | No | XXXX | No |
| 408071217 | 49.52 | Yes | Yes | Yes | 16525.55 | No | XXXX | No | XXXX | No |
| 408071219 | 44.53 | No | No | (No Data) | 6154.6 | No | XXXX | No | XXXX | No |
| 408071235 | 26.18 | No | No | (No Data) | 13675.16 | No | XXXX | No | XXXX | No |
| 408071241 | 26.95 | No | No | (No Data) | 16597.48 | No | XXXX | No | XXXX | No |
| 408071243 | 44.89 | Yes | Yes | Yes | 5996.69 | No | XXXX | No | XXXX | No |
| 408071247 | 41.79 | No | Yes | Yes | 6316.46 | No | XXXX | No | XXXX | No |
| 408071250 | 34.6 | No | No | (No Data) | 9455.9 | No | XXXX | No | XXXX | No |
| 408071259 | 39.8 | Yes | Yes | Yes | 17459.94 | No | XXXX | No | XXXX | No |
| 408071270 | 37.94 | Yes | Yes | Yes | 10569.18 | No | XXXX | No | XXXX | No |
| 408071288 | 32.43 | No | No | (No Data) | 13439.16 | No | XXXX | No | XXXX | No |
| 408071292 | 37.69 | Yes | Yes | Yes | 12343.46 | No | XXXX | No | XXXX | No |
| 408071327 | 32.85 | No | No | (No Data) | 11918.39 | No | XXXX | No | XXXX | No |
| 408071360 | 27.66 | Yes | Yes | Yes | 16822.9 | No | XXXX | No | XXXX | No |
| 408071372 | 40.54 | No | No | (No Data) | 31155.6 | No | XXXX | No | XXXX | No |
| 408071373 | 46.22 | No | No | (No Data) | 5825.61 | No | XXXX | No | XXXX | No |
| 408071378 | 42.5 | No | No | (No Data) | 17825.68 | No | XXXX | No | XXXX | No |
| 408071383 | 29.01 | No | No | (No Data) | 20955.72 | No | XXXX | No | XXXX | No |
| 408071415 | 48.84 | Yes | Yes | Yes | 19529.22 | No | XXXX | No | XXXX | No |
| 408071424 | 29.13 | No | No | (No Data) | 16935.07 | No | XXXX | No | XXXX | No |
| 408071439 | 36.85 | Yes | Yes | Yes | 12088.03 | No | XXXX | No | XXXX | No |
| 408071462 | 32.96 | No | No | (No Data) | 33884.82 | No | XXXX | No | XXXX | No |
| 408071527 | 37.58 | No | No | (No Data) | 16684.78 | No | XXXX | No | XXXX | No |
| 408071531 | 45 | No | No | (No Data) | 10769.23 | No | XXXX | No | XXXX | No |
| 408071532 | 44.84 | No | No | (No Data) | 7264.18 | No | XXXX | No | XXXX | No |
| 408071555 | 31.9 | No | Yes | Yes | 25649.99 | No | XXXX | No | XXXX | No |
| 408071556 | 42.95 | No | No | (No Data) | 13372.26 | No | XXXX | No | XXXX | No |
| 408071574 | 42.24 | No | No | (No Data) | 13553.94 | No | XXXX | No | XXXX | No |
| 408071592 | 24.33 | No | No | (No Data) | 19521.87 | No | XXXX | No | XXXX | No |
| 408071597 | 35.38 | Yes | Yes | Yes | 17281.14 | No | XXXX | No | XXXX | No |
| 408071634 | 34.18 | Yes | Yes | Yes | 21391.86 | No | XXXX | No | XXXX | No |
| 408071641 | 42.97 | No | No | (No Data) | 15086.92 | No | XXXX | No | XXXX | No |
| 408071663 | 48.17 | No | No | (No Data) | 5104.64 | No | XXXX | No | XXXX | No |
| 408071666 | 23.3 | No | No | (No Data) | 15709.36 | No | XXXX | No | XXXX | No |
| 408071686 | 48.86 | Yes | Yes | Yes | 13289.64 | No | XXXX | No | XXXX | No |
| 408071689 | 43.13 | No | Yes | Yes | 11007.31 | No | XXXX | No | XXXX | No |
| 408071720 | 37.87 | No | Yes | Yes | 13082.91 | No | XXXX | No | XXXX | No |
| 408071724 | 35.03 | No | No | (No Data) | 21656.47 | No | XXXX | No | XXXX | No |
| 408071726 | 36.74 | Yes | Yes | Yes | 14428.2 | No | XXXX | No | XXXX | No |
| 408071757 | 21.43 | No | No | (No Data) | 18936.93 | No | XXXX | No | XXXX | No |
| 408071765 | 42.28 | No | No | (No Data) | 15549.91 | No | XXXX | No | XXXX | No |
| 408071773 | 41.41 | No | No | (No Data) | 9412.94 | No | XXXX | No | XXXX | No |
| 408071780 | 34.96 | No | No | (No Data) | 23972.34 | No | XXXX | No | XXXX | No |
| 408071781 | 42.86 | No | Yes | Yes | 22230.38 | No | XXXX | No | XXXX | No |
| 408071787 | 32.31 | No | No | (No Data) | 16889.16 | No | XXXX | No | XXXX | No |
| 408071792 | 28.03 | No | Yes | No | 18208.91 | No | XXXX | No | XXXX | No |
| 408071800 | 45.27 | Yes | Yes | Yes | 6083.18 | No | XXXX | No | XXXX | No |
| 408071816 | 31.15 | No | No | (No Data) | 49120.08 | No | XXXX | No | XXXX | No |
| 408071817 | 35.8 | No | No | (No Data) | 17550.55 | No | XXXX | No | XXXX | No |
| 408071824 | 21.23 | No | No | (No Data) | 27551.21 | No | XXXX | No | XXXX | No |
| 408071829 | 41.55 | No | No | (No Data) | 9984.68 | No | XXXX | No | XXXX | No |
| 408071833 | 25.29 | No | Yes | Yes | 22723.66 | No | XXXX | No | XXXX | No |
| 408071836 | 40.92 | No | No | (No Data) | 12111.44 | No | XXXX | No | XXXX | No |
| 408071856 | 39.06 | No | No | (No Data) | 10664.01 | No | XXXX | No | XXXX | No |
| 408071858 | 40.44 | No | No | (No Data) | 7692 | No | XXXX | No | XXXX | No |
| 408071865 | 21.88 | No | Yes | Yes | 32551.21 | No | XXXX | No | XXXX | No |
| 408071876 | 32.87 | No | No | (No Data) | 15108.71 | No | XXXX | No | XXXX | No |
| 408071988 | 40.87 | Yes | Yes | Yes | 18895.26 | No | XXXX | No | XXXX | No |
| 408071991 | 38.72 | No | No | (No Data) | 13610.43 | No | XXXX | No | XXXX | No |
| 408071998 | 24.52 | No | No | (No Data) | 14921.11 | No | XXXX | No | XXXX | No |
| 408072011 | 20.95 | No | No | (No Data) | 46277.29 | No | XXXX | No | XXXX | No |
| 408072026 | 41.02 | Yes | No | (No Data) | 10081.25 | No | XXXX | No | XXXX | No |
| 408072033 | 34.48 | No | No | (No Data) | 14898.26 | No | XXXX | No | XXXX | No |
| 408072073 | 38.82 | No | No | (No Data) | 21021.4 | No | XXXX | No | XXXX | No |
| 408072081 | 48.18 | Yes | Yes | Yes | 5164.68 | No | XXXX | No | XXXX | No |
| 408072094 | 39.94 | No | No | (No Data) | 14894.98 | No | XXXX | No | XXXX | No |
| 408072127 | 46.85 | No | No | (No Data) | 7222.32 | No | XXXX | No | XXXX | No |
| 408072128 | 35.08 | Yes | Yes | Yes | 14571.83 | No | XXXX | No | XXXX | No |
| 408072129 | 36.79 | Yes | Yes | Yes | 18358.99 | No | XXXX | No | XXXX | No |
| 408072137 | 30.43 | No | No | (No Data) | 12368.25 | No | XXXX | No | XXXX | No |
| 408072139 | 34.95 | Yes | Yes | Yes | 13152.26 | No | XXXX | No | XXXX | No |
| 408072264 | 47.47 | No | No | (No Data) | 10321.72 | No | XXXX | No | XXXX | No |
| 408072266 | 33.64 | No | No | (No Data) | 13653.62 | No | XXXX | No | XXXX | No |
| 408072293 | 35.64 | No | No | (No Data) | 14399.82 | No | XXXX | No | XXXX | No |
| 408072307 | 8.67 | No | No | (No Data) | 304440.57 | No | XXXX | No | XXXX | No |
| 408072350 | 31.63 | No | Yes | Yes | 11904.44 | No | XXXX | No | XXXX | No |
| 408072352 | 32.94 | No | No | (No Data) | 10502.97 | No | XXXX | No | XXXX | No |
| 408072367 | 41.03 | No | No | (No Data) | 12469.77 | No | XXXX | No | XXXX | No |
| 408072377 | 39.33 | No | No | (No Data) | 11629.17 | No | XXXX | No | XXXX | No |
| 408072392 | 48.89 | Yes | Yes | Yes | 8420.21 | No | XXXX | No | XXXX | No |
| 408072394 | 30.79 | No | No | (No Data) | 12542.73 | No | XXXX | No | XXXX | No |
| 408072403 | 45.56 | Yes | Yes | Yes | 9391.38 | No | XXXX | No | XXXX | No |
| 408072438 | 31.81 | No | Yes | Yes | 24542.7 | No | XXXX | No | XXXX | No |
| 408072446 | 47 | No | Yes | Yes | 10527.13 | No | XXXX | No | XXXX | No |
| 408072449 | 30.55 | No | No | (No Data) | 18842.06 | No | XXXX | No | XXXX | No |
| 408072499 | 33.05 | No | No | (No Data) | 28454.66 | No | XXXX | No | XXXX | No |
| 408072520 | 29.32 | No | No | (No Data) | 18359.41 | No | XXXX | No | XXXX | No |
| 408072572 | 40.43 | No | No | (No Data) | 12354.3 | No | XXXX | No | XXXX | No |
| 408072581 | 34.22 | No | No | (No Data) | 16702.91 | No | XXXX | No | XXXX | No |
| 408072594 | 42.94 | No | Yes | Yes | 22655.31 | No | XXXX | No | XXXX | No |
| 408072602 | 42.64 | No | No | (No Data) | 12621.95 | No | XXXX | No | XXXX | No |
| 408072609 | 41.97 | No | No | (No Data) | 11495.66 | No | XXXX | No | XXXX | No |
| 408072645 | 46.99 | Yes | Yes | Yes | 14881.78 | No | XXXX | No | XXXX | No |
| 408072649 | 49.76 | No | Yes | Yes | 8815.47 | No | XXXX | No | XXXX | No |
| 408072668 | 38.2 | No | No | (No Data) | 20369.42 | No | XXXX | No | XXXX | No |
| 408072686 | 37.72 | No | No | (No Data) | 29840.91 | No | XXXX | No | XXXX | No |
| 408072716 | 44.39 | No | No | (No Data) | 27805.61 | No | XXXX | No | XXXX | No |
| 408072725 | 28.68 | No | No | (No Data) | 12183.94 | No | XXXX | No | XXXX | No |
| 408072733 | 42.9 | Yes | Yes | Yes | 9992.56 | No | XXXX | No | XXXX | No |
| 408072742 | 38.85 | No | No | (No Data) | 26378.2 | No | XXXX | No | XXXX | No |
| 408072749 | 44.34 | No | No | (No Data) | 13633.32 | No | XXXX | No | XXXX | No |
| 408072767 | 38.62 | No | No | (No Data) | 12805.18 | No | XXXX | No | XXXX | No |
| 408072788 | 42.48 | No | No | (No Data) | 13131.68 | No | XXXX | No | XXXX | No |
| 408072791 | 48.33 | Yes | Yes | Yes | 7383.73 | No | XXXX | No | XXXX | No |
| 408072871 | 44.45 | No | Yes | Yes | 22243.56 | No | XXXX | No | XXXX | No |
| 408072892 | 42.45 | No | No | (No Data) | 8005.98 | No | XXXX | No | XXXX | No |
| 408072907 | 42.64 | No | Yes | Yes | 34310.45 | No | XXXX | No | XXXX | No |
| 408072945 | 35.99 | No | No | (No Data) | 9489.33 | No | XXXX | No | XXXX | No |
| 408072949 | 47.89 | Yes | Yes | Yes | 15304.92 | No | XXXX | No | XXXX | No |
| 408072950 | 33.02 | No | No | (No Data) | 18909.91 | No | XXXX | No | XXXX | No |
| 408072957 | 43.58 | No | No | (No Data) | 10051.72 | No | XXXX | No | XXXX | No |
| 408072964 | 49.68 | No | Yes | Yes | 11850.04 | No | XXXX | No | XXXX | No |
| 408072974 | 45.88 | Yes | Yes | Yes | 16464.14 | No | XXXX | No | XXXX | No |
| 408073030 | 42.04 | No | No | (No Data) | 9230.18 | No | XXXX | No | XXXX | No |
| 408073036 | 38.54 | No | No | (No Data) | 18383.07 | No | XXXX | No | XXXX | No |
| 408073040 | 31.74 | No | No | (No Data) | 30678.09 | No | XXXX | No | XXXX | No |
| 408073045 | 43.23 | No | No | (No Data) | 6248.26 | No | XXXX | No | XXXX | No |
| 408073046 | 30.92 | No | No | (No Data) | 12204.64 | No | XXXX | No | XXXX | No |
| 408073050 | 36.15 | No | No | (No Data) | 16990.36 | No | XXXX | No | XXXX | No |
| 408073058 | 40.15 | No | No | (No Data) | 25684.75 | No | XXXX | No | XXXX | No |
| 408073083 | 39.23 | No | No | (No Data) | 19904.64 | No | XXXX | No | XXXX | No |
| 408073088 | 48.28 | Yes | Yes | Yes | 5525.37 | No | XXXX | No | XXXX | No |
| 408073133 | 38.97 | No | No | (No Data) | 23181.69 | No | XXXX | No | XXXX | No |
| 408073138 | 38.92 | No | No | (No Data) | 22557.95 | No | XXXX | No | XXXX | No |
| 408073144 | 39.54 | No | Yes | Yes | 13262.39 | No | XXXX | No | XXXX | No |
| 408073160 | 34.89 | No | No | (No Data) | 28787.72 | No | XXXX | No | XXXX | No |
| 408073162 | 44.04 | No | No | (No Data) | 22504.47 | No | XXXX | No | XXXX | No |
| 408073173 | 44.37 | Yes | Yes | Yes | 14198.23 | No | XXXX | No | XXXX | No |
| 408073174 | 44.01 | No | Yes | Yes | 11460.72 | No | XXXX | No | XXXX | No |
| 408073176 | 40.07 | No | No | (No Data) | 14941.94 | No | XXXX | No | XXXX | No |
| 408073182 | 38.93 | No | Yes | Yes | 13376.13 | No | XXXX | No | XXXX | No |
| 408073207 | 36.74 | No | No | (No Data) | 12459.45 | No | XXXX | No | XXXX | No |
| 408073216 | 42.94 | No | No | (No Data) | 7574.25 | No | XXXX | No | XXXX | No |
| 408073224 | 29.93 | No | Yes | Yes | 17595.85 | No | XXXX | No | XXXX | No |
| 408073265 | 40.21 | No | No | (No Data) | 18518.68 | No | XXXX | No | XXXX | No |
| 408073274 | 45.91 | Yes | Yes | Yes | 6851.51 | No | XXXX | No | XXXX | No |
| 408073283 | 26.88 | No | No | (No Data) | 13509.41 | No | XXXX | No | XXXX | No |
| 408073287 | 17.01 | No | No | (No Data) | 50843.09 | No | XXXX | No | XXXX | No |
| 408073305 | 4.7 | No | No | (No Data) | 288792.26 | No | XXXX | No | XXXX | No |
| 408073318 | 45.16 | No | Yes | Yes | 8924.15 | No | XXXX | No | XXXX | No |
| 408073331 | 28.26 | No | Yes | Yes | 24390.8 | No | XXXX | No | XXXX | No |
| 408073354 | 36.17 | No | No | (No Data) | 27703.07 | No | XXXX | No | XXXX | No |
| 408073357 | 30.64 | No | No | (No Data) | 9861.02 | No | XXXX | No | XXXX | No |
| 408073363 | 44.98 | Yes | Yes | Yes | 5877.91 | No | XXXX | No | XXXX | No |
| 408073378 | 38.53 | No | No | (No Data) | 9961.36 | No | XXXX | No | XXXX | No |
| 408073403 | 29.66 | No | No | (No Data) | 15239.9 | No | XXXX | No | XXXX | No |
| 408073410 | 42.4 | No | No | (No Data) | 12686.76 | No | XXXX | No | XXXX | No |
| 408073425 | 42 | No | No | (No Data) | 17674.84 | No | XXXX | No | XXXX | No |
| 408073429 | 34.68 | No | No | (No Data) | 17177.69 | No | XXXX | No | XXXX | No |
| 408073433 | 46.86 | Yes | Yes | Yes | 10278.06 | No | XXXX | No | XXXX | No |
| 408073442 | 42.14 | No | No | (No Data) | 9672.22 | No | XXXX | No | XXXX | No |
| 408073444 | 43.68 | No | No | (No Data) | 7076.5 | No | XXXX | No | XXXX | No |
| 408073451 | 40.94 | No | No | (No Data) | 12509.49 | No | XXXX | No | XXXX | No |
| 408073452 | 41.73 | No | No | (No Data) | 26719.51 | No | XXXX | No | XXXX | No |
| 408073455 | 43.91 | Yes | Yes | Yes | 10956.07 | No | XXXX | No | XXXX | No |
| 408073459 | 49.23 | No | Yes | Yes | 13453.62 | No | XXXX | No | XXXX | No |
| 408073470 | 43.98 | No | No | (No Data) | 18191.21 | No | XXXX | No | XXXX | No |
| 408073473 | 27.09 | No | No | (No Data) | 34054.54 | No | XXXX | No | XXXX | No |
| 408073475 | 44.96 | No | No | (No Data) | 30030.16 | No | XXXX | No | XXXX | No |
| 408073485 | 40.95 | No | No | (No Data) | 14762.26 | No | XXXX | No | XXXX | No |
| 408073488 | 42.64 | No | No | (No Data) | 25284.62 | No | XXXX | No | XXXX | No |
| 408073490 | 40.64 | No | No | (No Data) | 13234.91 | No | XXXX | No | XXXX | No |
| 408073499 | 19.51 | No | No | (No Data) | 45933.98 | No | XXXX | No | XXXX | No |
| 408073504 | 39.85 | No | No | (No Data) | 15600.53 | No | XXXX | No | XXXX | No |
| 408073519 | 43.99 | No | No | (No Data) | 17602.59 | No | XXXX | No | XXXX | No |
| 408073525 | 40.12 | No | No | (No Data) | 14778.9 | No | XXXX | No | XXXX | No |
| 408073530 | 39.76 | No | No | (No Data) | 18395.44 | No | XXXX | No | XXXX | No |
| 408073535 | 31.93 | No | No | (No Data) | 22702.41 | No | XXXX | No | XXXX | No |
| 408073563 | 41.99 | No | No | (No Data) | 20243.62 | No | XXXX | No | XXXX | No |
| 408073567 | 43.49 | No | No | (No Data) | 18837.77 | No | XXXX | No | XXXX | No |
| 408073581 | 45.37 | Yes | Yes | Yes | 5721.03 | No | XXXX | No | XXXX | No |
| 408073597 | 36.81 | No | No | (No Data) | 10049.01 | No | XXXX | No | XXXX | No |
| 408073602 | 43.56 | Yes | Yes | No | 12294.21 | No | XXXX | No | XXXX | No |
| 408073606 | 39.29 | No | No | (No Data) | 10124.11 | No | XXXX | No | XXXX | No |
| 408073609 | 27.93 | No | No | (No Data) | 28927.76 | No | XXXX | No | XXXX | No |
| 408073621 | 43.77 | No | No | (No Data) | 14563.13 | No | XXXX | No | XXXX | No |
| 408073626 | 41.29 | Yes | Yes | Yes | 43547.87 | No | XXXX | No | XXXX | No |
| 408073627 | 44.72 | No | No | (No Data) | 13312.09 | No | XXXX | No | XXXX | No |
| 408073634 | 42.28 | No | No | (No Data) | 9033.67 | No | XXXX | No | XXXX | No |
| 408073638 | 44.69 | No | Yes | Yes | 8716.53 | No | XXXX | No | XXXX | No |
| 408073664 | 42.61 | No | No | (No Data) | 8943.08 | No | XXXX | No | XXXX | No |
| 408073675 | 44.44 | Yes | Yes | Yes | 11798.19 | No | XXXX | No | XXXX | No |
| 408073692 | 26.32 | No | No | (No Data) | 29460.28 | No | XXXX | No | XXXX | No |
| 408073729 | 23.45 | No | No | (No Data) | 23387.29 | No | XXXX | No | XXXX | No |
| 408073731 | 40.13 | No | No | (No Data) | 18089.78 | No | XXXX | No | XXXX | No |
| 408073737 | 44.37 | Yes | Yes | Yes | 11637.37 | No | XXXX | No | XXXX | No |
| 408073738 | 42.78 | Yes | Yes | Yes | 19948.75 | No | XXXX | No | XXXX | No |
| 408073739 | 42.61 | No | No | (No Data) | 9791.21 | No | XXXX | No | XXXX | No |
| 408073747 | 36.48 | No | No | (No Data) | 22290.22 | No | XXXX | No | XXXX | No |
| 408073784 | 42.5 | No | No | (No Data) | 13127.35 | No | XXXX | No | XXXX | No |
| 408073830 | 33.33 | No | No | (No Data) | 34087.41 | No | XXXX | No | XXXX | No |
| 408073837 | 39.74 | No | No | (No Data) | 18250.18 | No | XXXX | No | XXXX | No |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 10000019297 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 10000019302 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 12XXXXXX93 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 12XXXXXX57 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 12XXXXXX67 | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months; | Business Tax Return - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 12XXXXXX58 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter with Income - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 15XXXXXX06 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 15XXXXXX09 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 2 months; | (No Data) | (No Data) |
| 15XXXXXX10 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months;<br> Written VOE - 372 months; | Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months;<br> Written VOE - 84 months; | (No Data) | (No Data) |
| 15XXXXXX96 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 15XXXXXX11 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 15XXXXXX38 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 15XXXXXX29 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Business Tax Return - 24 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 36 months;<br> W2 - 24 months; | Paystub - 2 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 15XXXXXX91 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter with Income - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 15XXXXXX66 | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 15XXXXXX60 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 17XXXXXX51 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 17XXXXXX16 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 406045387 | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 408020904 | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408022102 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408022120 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408022135 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408022137 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 408022171 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months; | (No Data) | (No Data) |
| 408022174 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408022180 | (No Data) | (No Data) | (No Data) | CPA Letter with Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 408022186 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 408022206 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 408022229 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408022281 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408022293 | (No Data) | (No Data) | (No Data) | Verbal VOE with Income - 1 months;<br> Written VOE - 1 months; | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408022323 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 408022638 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Verbal VOE with Income - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | IRS Transcripts – Tax Return(s) - 24 months; | (No Data) | (No Data) |
| 408064092 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 244 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 42 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408067379 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 128 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408068568 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408068650 | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 408069598 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) | (No Data) |
| 408069685 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408069693 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408069970 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 46 months; | (No Data) | (No Data) |
| 408070034 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070039 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 14 months; | (No Data) | (No Data) | (No Data) |
| 408070507 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 0 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070528 | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408070536 | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 408070551 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070562 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070596 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070633 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 14 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408070648 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070716 | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> CPA Letter with Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | Business Bank Statements - 12 months;<br> Business Tax Return - 12 months;<br> CPA Letter with Income - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 408070733 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 77 months; | (No Data) | (No Data) | (No Data) |
| 408070739 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 32 months; | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408070740 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070742 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070747 | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 408070748 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 408070777 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070781 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408070784 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 134 months; | IRS Transcripts – W2(s) - 0 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408070794 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 13 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408070822 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070846 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408070865 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 0 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070875 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070907 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408070909 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408070912 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070920 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070954 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 14 months;<br> Personal Tax Return - 36 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408070961 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070974 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408070975 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 1 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408070986 | (No Data) | (No Data) | (No Data) | Award Letter - 1 months; | (No Data) | (No Data) | (No Data) |
| 408071015 | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 24 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071019 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071027 | (No Data) | (No Data) | (No Data) | Business Bank Statements - 24 months;<br> Personal Bank Statements - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071033 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071058 | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 408071059 | (No Data) | (No Data) | (No Data) | CPA Letter with Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 408071082 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071117 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071126 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071139 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071142 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 408071161 | (No Data) | (No Data) | (No Data) | Award Letter - 1 months; | Award Letter - 1 months; | (No Data) | (No Data) |
| 408071185 | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071199 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408071202 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071217 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071219 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) | (No Data) |
| 408071235 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 408071241 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 408071243 | (No Data) | (No Data) | (No Data) | CPA Letter with Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071247 | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071250 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071259 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 0 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071270 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071288 | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071292 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071327 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071360 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071372 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071373 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071378 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071383 | (No Data) | (No Data) | (No Data) | Award Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Bank Statements - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071415 | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 48 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 408071424 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) |
| 408071439 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071462 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408071527 | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Personal Bank Statements - 2 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408071531 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071532 | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 408071555 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071556 | (No Data) | (No Data) | (No Data) | Business Tax Return - 36 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 4 months;<br> Paystub - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 408071574 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 48 months;<br> P & L - 3 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071592 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071597 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071634 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071641 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071663 | (No Data) | (No Data) | (No Data) | Award Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071666 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071686 | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 0 months;<br> Paystub - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071689 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408071720 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071724 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071726 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 408071757 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408071765 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 408071773 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408071780 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071781 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071787 | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 3 months;<br> Personal Tax Return - 12 months; | Business Tax Return - 12 months;<br> P & L - 4 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 408071792 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071800 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 408071816 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 4 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071817 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071824 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 408071829 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 408071833 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071836 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071856 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Lease Agreement - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071858 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; |
| 408071865 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071876 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408071988 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter with Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071991 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408071998 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 36 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 36 months; | (No Data) | (No Data) |
| 408072011 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072026 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072033 | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 408072073 | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 408072081 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072094 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072127 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 408072128 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072129 | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Tax Return - 24 months; | Award Letter - 1 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408072137 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072139 | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> W2 - 24 months; | Award Letter - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408072264 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 408072266 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| 408072293 | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 408072307 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072350 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072352 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 408072367 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072377 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072392 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072394 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072403 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072438 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072446 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072449 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408072499 | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072520 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072572 | (No Data) | (No Data) | (No Data) | CPA Letter with Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 16 months;<br> Personal Bank Statements - 6 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072581 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 12 months; | IRS Transcripts – W2(s) - 12 months;<br> Offer Letter - 1 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 408072594 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072602 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Lease Agreement - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408072609 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072645 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072649 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Lease Agreement - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072668 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 16 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072686 | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072716 | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 408072725 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072733 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072742 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072749 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072767 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072788 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072791 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months; | (No Data) | (No Data) | (No Data) |
| 408072871 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | Award Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) |
| 408072892 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 408072907 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 18 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 408072945 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408072949 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 12 months;<br> P & L - 5 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408072950 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408072957 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408072964 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408072974 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 5 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073030 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073036 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months; | (No Data) | (No Data) |
| 408073040 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 4 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073045 | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 18 months; | (No Data) | (No Data) |
| 408073046 | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073050 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 5 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073058 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073083 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073088 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073133 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073138 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073144 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073160 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 5 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073162 | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 6 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | Business Tax Return - 12 months;<br> P & L - 6 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073173 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073174 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 6 months; | (No Data) | (No Data) |
| 408073176 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073182 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 6 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073207 | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073216 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 6 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073224 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073265 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 6 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073274 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 31 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 31 months; | (No Data) | (No Data) |
| 408073283 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073287 | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 18 months; | (No Data) | (No Data) | (No Data) |
| 408073305 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 3 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073318 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073331 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073354 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 15 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | Business Tax Return - 24 months;<br> P & L - 15 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) |
| 408073357 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408073363 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073378 | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> Award Letter - 7 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 7 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073403 | (No Data) | (No Data) | (No Data) | 1099 - 12 months; | 1099 - 12 months; | (No Data) | (No Data) |
| 408073410 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073425 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 2 months; | (No Data) | (No Data) | (No Data) |
| 408073429 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073433 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073442 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073444 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073451 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073452 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073455 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073459 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073470 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073473 | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073475 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 19 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408073485 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073488 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073490 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073499 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months;<br> Written VOE - 32 months; | (No Data) | (No Data) | (No Data) |
| 408073504 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073519 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073525 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073530 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073535 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073563 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 3 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 3 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 408073567 | (No Data) | (No Data) | (No Data) | Business Tax Return - 36 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 0 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 408073581 | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073597 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073602 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 24 months;<br> Personal Tax Return - 24 months; | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408073606 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Award Letter - 24 months; | (No Data) | (No Data) |
| 408073609 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073621 | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073626 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months; | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408073627 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 60 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 408073634 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 19 months; | (No Data) | (No Data) |
| 408073638 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073664 | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073675 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073692 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073729 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073731 | (No Data) | (No Data) | (No Data) | CPA Letter without Income - 24 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 408073737 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Award Letter - 1 months; | (No Data) | (No Data) |
| 408073738 | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 408073739 | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073747 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073784 | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) |
| 408073830 | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 408073837 | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |

---

©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 99.5

**EXHIBIT 99.5 CLAYTON VALUATIONS SUMMARY** 

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-2** |
| **Start - End Dates:** | **8/23/2012 - 1/3/2023** |
| **Deal Loan Count:** | **282** |
| **Valuations Summary** | **Valuations Summary** |
| *Loans in Report:* | *282* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value for LTV** |
| 10000019297 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 10000019302 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 12XXXXXX93 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 12XXXXXX57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 12XXXXXX67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 12XXXXXX58 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX06 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX09 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX10 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX96 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX11 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX91 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX66 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX60 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 17XXXXXX51 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 17XXXXXX16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 406045387 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408020904 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022102 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022180 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022186 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022229 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022281 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408064092 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408067379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408068568 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408068650 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408069598 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408069685 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408069693 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408069970 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070039 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070528 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070536 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070551 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070562 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070596 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070633 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070648 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070733 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070740 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070742 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070747 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070748 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070777 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070784 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070794 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070822 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070846 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070865 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070875 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070909 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070912 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070920 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070954 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070961 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070974 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070975 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070986 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071015 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071019 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071027 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071033 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071058 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071126 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071139 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071161 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071185 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071199 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071202 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071217 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071219 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071241 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071243 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071250 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071259 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071270 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071288 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071292 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071327 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071360 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071383 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071415 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071424 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071439 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071462 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071527 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071531 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071532 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071555 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071592 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071634 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071641 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071666 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071686 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071689 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071720 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071724 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071726 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071757 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071765 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071773 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071780 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071787 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071792 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071800 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071816 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071817 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071824 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071829 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071833 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071836 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071856 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071865 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071876 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071988 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071991 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071998 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072011 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072026 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072033 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072073 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072081 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072094 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072129 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072139 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072264 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072266 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072307 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072352 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072367 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072377 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072394 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072403 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072449 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072581 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072594 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072602 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072609 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072645 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072649 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072668 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072686 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072716 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072725 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072733 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072742 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072749 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072767 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072788 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072791 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072871 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072892 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072945 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072949 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072950 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072964 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072974 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073030 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073040 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073045 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073046 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073050 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073058 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073083 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073088 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073133 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073144 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073160 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073162 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073173 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073176 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073182 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073207 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073216 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073265 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073274 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073283 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073287 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073305 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073318 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073331 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073354 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073357 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073363 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073378 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073403 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073451 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073452 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073459 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073470 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073475 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073485 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073488 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073490 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073504 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073525 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073530 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073535 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073563 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073567 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073581 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073597 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073602 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073609 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073626 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073634 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073638 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073664 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073675 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073729 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073731 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073737 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073738 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073739 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073747 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073784 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073830 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073837 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** |
| **Loan Number** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** |
| 10000019297 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 10000019302 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 12XXXXXX93 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 12XXXXXX57 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 12XXXXXX67 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 12XXXXXX58 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 15XXXXXX06 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | XXXXXX | XXXXXX | XXXXXX | Full Appraisal |
| 15XXXXXX09 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 15XXXXXX10 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 15XXXXXX96 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 15XXXXXX11 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 15XXXXXX38 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 15XXXXXX29 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 15XXXXXX91 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 15XXXXXX66 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | XXXXXX | XXXXXX | XXXXXX | Desk |
| 15XXXXXX60 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | XXXXXX | XXXXXX | XXXXXX | Full Appraisal |
| 17XXXXXX51 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 17XXXXXX16 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 406045387 | XXXXXX | XXXXXX | 2090 Cooperative (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408020904 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408022102 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408022120 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408022135 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408022137 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408022171 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408022174 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408022180 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408022186 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408022206 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408022229 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408022281 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408022293 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408022323 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408022638 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408064092 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408067379 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408068568 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408068650 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408069598 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408069685 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408069693 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408069970 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070034 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070039 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070507 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070528 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070536 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070551 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070562 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070596 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070633 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070648 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070716 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070733 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070739 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070740 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070742 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070747 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070748 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070777 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070781 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070784 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070794 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070822 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070846 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070865 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070875 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070907 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070909 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070912 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070920 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070954 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070961 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070974 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070975 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408070986 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071015 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071019 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071027 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071033 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071058 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071059 | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071082 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071117 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071126 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071139 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071142 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071161 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071185 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071199 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071202 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071217 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071219 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071235 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071241 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071243 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071247 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071250 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071259 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071270 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071288 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071292 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071327 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071360 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071372 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | XXXXXX | XXXXXX | XXXXXX | Full Appraisal |
| 408071373 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071378 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071383 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071415 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071424 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071439 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071462 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071527 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071531 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071532 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071555 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071556 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071574 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071592 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071597 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071634 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071641 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071663 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071666 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071686 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071689 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071720 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071724 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071726 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071757 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071765 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071773 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071780 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071781 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071787 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071792 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071800 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071816 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071817 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071824 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071829 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071833 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071836 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071856 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071858 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071865 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071876 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071988 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071991 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408071998 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072011 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072026 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072033 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072073 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072081 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072094 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072127 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072128 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072129 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072137 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072139 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072264 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072266 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072293 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072307 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072350 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072352 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072367 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072377 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072392 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072394 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072403 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072438 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072446 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072449 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072499 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072520 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072572 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072581 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072594 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072602 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072609 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072645 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072649 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072668 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072686 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072716 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072725 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072733 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072742 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072749 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072767 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072788 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072791 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072871 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072892 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072907 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072945 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072949 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072950 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072957 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072964 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408072974 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073030 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073036 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073040 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073045 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073046 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073050 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073058 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073083 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073088 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073133 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073138 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073144 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073160 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073162 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073173 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073174 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073176 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073182 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073207 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073216 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073224 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073265 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073274 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073283 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073287 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073305 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073318 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073331 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073354 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073357 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073363 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073378 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073403 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073410 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073425 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073429 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073433 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073442 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073444 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073451 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073452 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073455 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073459 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073470 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073473 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073475 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073485 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073488 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073490 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073499 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073504 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073519 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073525 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073530 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073535 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073563 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073567 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073581 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073597 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073602 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073606 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073609 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073621 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073626 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073627 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073634 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073638 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073664 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073675 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073692 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073729 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073731 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073737 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073738 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073739 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073747 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073784 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073830 | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |
| 408073837 | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** |
| **Loan Number** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** |
| 10000019297 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 10000019302 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 12XXXXXX93 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 12XXXXXX57 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 12XXXXXX67 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 12XXXXXX58 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX06 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX09 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX10 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX96 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX11 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX38 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX29 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX91 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX66 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 15XXXXXX60 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 17XXXXXX51 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 17XXXXXX16 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 406045387 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408020904 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022102 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022120 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022135 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022137 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022171 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022174 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022180 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022186 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022206 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408022229 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408022281 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408022293 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408022323 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408022638 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408064092 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408067379 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408068568 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408068650 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408069598 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408069685 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408069693 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408069970 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070034 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070039 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070507 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070528 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070536 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070551 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070562 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070596 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070633 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070648 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070716 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408070733 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408070739 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070740 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070742 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070747 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070748 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070777 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070781 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070784 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070794 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070822 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070846 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408070865 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070875 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070907 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070909 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070912 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070920 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070954 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070961 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070974 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070975 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408070986 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071015 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408071019 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071027 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071033 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071058 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408071059 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071082 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408071117 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408071126 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071139 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071142 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071161 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071185 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071199 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071202 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071217 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071219 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071235 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071241 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071243 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | XXXXXX | $0.00 | 0.00% |
| 408071247 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071250 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071259 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071270 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071288 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071292 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071327 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408071360 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071372 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071373 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071378 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071383 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071415 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071424 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071439 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071462 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071527 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071531 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071532 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071555 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071556 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071574 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071592 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071597 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071634 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071641 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071663 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071666 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071686 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071689 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071720 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071724 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071726 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071757 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071765 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071773 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071780 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408071781 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408071787 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408071792 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071800 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071816 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071817 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071824 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071829 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408071833 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071836 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071856 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071858 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071865 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071876 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071988 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071991 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408071998 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072011 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072026 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072033 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072073 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072081 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072094 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072127 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408072128 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072129 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072137 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072139 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072264 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072266 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072293 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072307 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072350 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072352 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072367 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408072377 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072392 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072394 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072403 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072438 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408072446 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072449 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072499 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072520 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072572 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072581 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072594 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072602 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072609 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072645 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072649 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072668 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072686 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072716 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072725 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072733 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072742 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072749 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072767 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072788 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072791 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072871 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072892 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072907 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408072945 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072949 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072950 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072957 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072964 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408072974 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073030 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073036 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073040 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073045 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073046 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073050 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073058 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073083 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073088 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073133 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073138 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073144 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073160 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073162 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073173 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073174 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073176 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073182 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408073207 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073216 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073224 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073265 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073274 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073283 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073287 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408073305 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073318 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073331 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073354 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073357 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073363 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073378 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073403 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073410 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073425 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073429 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073433 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073442 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073444 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073451 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073452 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073455 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073459 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073470 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073473 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073475 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073485 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073488 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073490 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073499 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073504 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073519 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073525 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408073530 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073535 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073563 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073567 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073581 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073597 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073602 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073606 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073609 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073621 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408073626 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073627 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408073634 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073638 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408073664 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073675 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073692 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073729 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073731 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |
| 408073737 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073738 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073739 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073747 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073784 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073830 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| 408073837 |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** |
| **Loan Number** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** |
| 10000019297 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 10000019302 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 12XXXXXX93 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 12XXXXXX57 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 12XXXXXX67 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 12XXXXXX58 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX06 |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX09 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX10 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX96 |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX11 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX38 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX29 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX91 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX66 |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX60 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 17XXXXXX51 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 17XXXXXX16 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 406045387 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408020904 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022102 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022120 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022135 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022137 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022171 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022174 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022180 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022186 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022206 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022229 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022281 |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |
| 408022293 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022323 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022638 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408064092 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408067379 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408068568 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408068650 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069598 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069685 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069693 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069970 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070034 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070039 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070507 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070528 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070536 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070551 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070562 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070596 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070633 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070648 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070716 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070733 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070739 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070740 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070742 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070747 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070748 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070777 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070781 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070784 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070794 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070822 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070846 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070865 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070875 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070907 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070909 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070912 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070920 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070954 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070961 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070974 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070975 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070986 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071015 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071019 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071027 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071033 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071058 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071059 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071082 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071117 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071126 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071139 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071142 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071161 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071185 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071199 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071202 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071217 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071219 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071235 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071241 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071243 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071247 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071250 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071259 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071270 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071288 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071292 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071327 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071360 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071372 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071373 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071378 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071383 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071415 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071424 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071439 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071462 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071527 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071531 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071532 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071555 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071556 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071574 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071592 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071597 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071634 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071641 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071663 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071666 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071686 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071689 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071720 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071724 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071726 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071757 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071765 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071773 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071780 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071781 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071787 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071792 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071800 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071816 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071817 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071824 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071829 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071833 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071836 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071856 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071858 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071865 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071876 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071988 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071991 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071998 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072011 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072026 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072033 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072073 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072081 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072094 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072127 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072128 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072129 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072137 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072139 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072264 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072266 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072293 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072307 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072350 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072352 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072367 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072377 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072392 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072394 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072403 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072438 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072446 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072449 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072499 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072520 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072572 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072581 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072594 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072602 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072609 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072645 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072649 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072668 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072686 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072716 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072725 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072733 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072742 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072749 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072767 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072788 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072791 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072871 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072892 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072907 |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |
| 408072945 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072949 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072950 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072957 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072964 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072974 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073030 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073036 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073040 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073045 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073046 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073050 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073058 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073083 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073088 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073133 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073138 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073144 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073160 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073162 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073173 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073174 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073176 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073182 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073207 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073216 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073224 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073265 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073274 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073283 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073287 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073305 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073318 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073331 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073354 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073357 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073363 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073378 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073403 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073410 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073425 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073429 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073433 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073442 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073444 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073451 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073452 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073455 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073459 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073470 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073473 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073475 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073485 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073488 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073490 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073499 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073504 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073519 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073525 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073530 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073535 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073563 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073567 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073581 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073597 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073602 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073606 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073609 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073621 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073626 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073627 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073634 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073638 |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |
| 408073664 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073675 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073692 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073729 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073731 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073737 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073738 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073739 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073747 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073784 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073830 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073837 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** |
| **Loan Number** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** |
| 10000019297 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 10000019302 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 12XXXXXX93 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 12XXXXXX57 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 12XXXXXX67 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 12XXXXXX58 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX06 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX09 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX10 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX96 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX11 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX38 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX29 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX91 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX66 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 15XXXXXX60 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 17XXXXXX51 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 17XXXXXX16 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 406045387 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408020904 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022102 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022120 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022135 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022137 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022171 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022174 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022180 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022186 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022206 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022229 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022281 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022293 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022323 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408022638 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408064092 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408067379 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408068568 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408068650 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069598 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069685 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069693 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408069970 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070034 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070039 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070507 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070528 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070536 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070551 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070562 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070596 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070633 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070648 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070716 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070733 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070739 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070740 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070742 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070747 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070748 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070777 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070781 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070784 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070794 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070822 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070846 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070865 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070875 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070907 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070909 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070912 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070920 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070954 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070961 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070974 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070975 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408070986 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071015 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071019 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071027 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071033 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071058 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071059 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071082 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071126 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071139 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071142 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071161 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071185 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071199 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071202 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071217 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071219 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071235 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071241 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071243 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071247 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071250 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071259 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071270 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071288 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071292 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071327 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071360 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071372 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071373 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071378 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071383 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071415 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071424 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071439 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071462 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071527 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071531 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071532 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071555 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071556 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071574 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071592 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071597 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071634 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071641 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071663 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071666 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071686 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071689 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071720 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071724 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071726 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071757 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071765 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071773 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071780 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071781 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071787 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071792 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071800 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071816 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071817 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071824 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071829 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071833 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071836 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071856 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071858 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071865 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071876 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071988 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071991 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408071998 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072011 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072026 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072033 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072073 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072081 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072094 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072127 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072128 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072129 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072137 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072139 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072264 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072266 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072293 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072307 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072350 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072352 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072367 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072377 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072392 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072394 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072403 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072438 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072446 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072449 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072499 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072520 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072572 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072581 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072594 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072602 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072609 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072645 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072649 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072668 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072686 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072716 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072725 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072733 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072742 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072749 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072767 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072788 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072791 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072871 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072892 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072907 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072945 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072949 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072950 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072957 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072964 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408072974 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073030 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073036 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073040 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073045 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073046 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073050 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073058 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073083 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073088 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073133 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073138 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073144 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073160 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073162 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073173 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073174 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073176 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073182 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073207 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073216 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073224 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073265 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073274 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073283 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073287 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073305 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073318 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073331 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073354 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073357 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073363 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073378 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073403 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073410 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073425 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073429 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073433 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073442 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073444 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073451 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073452 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073455 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073459 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073470 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073473 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073475 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073485 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073488 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073490 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073499 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073504 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073519 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073525 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073530 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073535 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073563 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073567 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073581 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073597 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073602 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073606 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073609 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073621 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073626 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073627 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073634 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073638 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073664 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073675 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073692 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073729 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073731 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073737 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073738 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073739 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073747 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073784 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073830 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |
| 408073837 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | 0 | 0.00% |  | $0.00 | $0.00 | 0.00% |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 10000019297 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10000019302 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 12XXXXXX93 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 12XXXXXX57 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 12XXXXXX67 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 12XXXXXX58 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 15XXXXXX06 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 15XXXXXX09 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 15XXXXXX10 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 15XXXXXX96 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 15XXXXXX11 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 15XXXXXX38 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 15XXXXXX29 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 15XXXXXX91 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 15XXXXXX66 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 15XXXXXX60 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 17XXXXXX51 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 17XXXXXX16 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 406045387 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408020904 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408022102 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408022120 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408022135 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408022137 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408022171 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408022174 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408022180 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408022186 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408022206 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408022229 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408022281 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408022293 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408022323 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408022638 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408064092 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408067379 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408068568 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408068650 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408069598 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408069685 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408069693 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408069970 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070034 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070039 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070507 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070528 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070536 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070551 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070562 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070596 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070633 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070648 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070716 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408070733 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408070739 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070740 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070742 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070747 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070748 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070777 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070781 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070784 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070794 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070822 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070846 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408070865 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070875 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070907 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070909 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070912 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070920 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070954 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070961 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070974 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070975 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408070986 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071015 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408071019 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071027 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071033 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071058 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408071059 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071082 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408071117 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071126 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071139 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071142 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071161 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071185 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071199 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071202 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071217 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071219 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071235 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071241 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071243 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071247 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071250 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071259 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071270 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071288 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071292 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071327 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071360 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071372 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071373 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071378 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071383 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071415 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071424 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071439 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071462 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071527 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071531 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071532 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071555 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071556 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071574 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071592 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071597 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071634 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071641 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071663 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408071666 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071686 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071689 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071720 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071724 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071726 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071757 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071765 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071773 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071780 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071781 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408071787 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408071792 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071800 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071816 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071817 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071824 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071829 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408071833 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071836 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071856 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071858 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071865 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071876 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071988 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071991 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408071998 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072011 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072026 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072033 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072073 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072081 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072094 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072127 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408072128 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072129 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072137 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072139 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072264 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072266 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072293 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072307 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072350 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072352 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072367 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408072377 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072392 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408072394 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072403 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072438 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408072446 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072449 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072499 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072520 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072572 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072581 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072594 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072602 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072609 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072645 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072649 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072668 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072686 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072716 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408072725 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072733 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072742 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072749 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072767 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072788 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072791 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072871 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408072892 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072907 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072945 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072949 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072950 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072957 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072964 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408072974 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073030 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073036 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073040 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073045 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408073046 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073050 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073058 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073083 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073088 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073133 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073138 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073144 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073160 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073162 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073173 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073174 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073176 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073182 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408073207 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073216 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073224 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073265 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073274 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073283 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073287 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408073305 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073318 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073331 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073354 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073357 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073363 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073378 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073403 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073410 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073425 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073429 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073433 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073442 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073444 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073451 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073452 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073455 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073459 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073470 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073473 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073475 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073485 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073488 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073490 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073499 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073504 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073519 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073525 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408073530 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073535 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073563 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073567 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073581 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073597 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073602 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073606 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073609 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073621 | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) |
| 408073626 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073627 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408073634 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073638 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073664 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073675 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073692 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073729 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073731 |  |  | $0.00 | $0.00 | 0.00% | XXXXXX |
| 408073737 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073738 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073739 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073747 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073784 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073830 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 408073837 |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.6

**EXHIBIT 99.6 CLAYTON CONDITIONS REPORT 2.0**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-2** |
| **Start - End Dates:** | **8/23/2012 - 1/3/2023** |
| **Deal Loan Count:** | **282** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *282* |
| ***Loans with Conditions:*** | *246* |

---

---

| |
|:---|
| **2 - Total Active Conditions** |
| **2 - Material Conditions** |
| 1 - Property Valuations Review Scope |
| 1 - Category: Appraisal |
| 1 - Compliance Review Scope |
| 1 - Category: Documentation |
| **518 - Total Satisfied Conditions** |
| 208 - Credit Review Scope |
| 4 - Category: Ability to Repay/Qualified Mortgage |
| 5 - Category: Application |
| 41 - Category: Assets |
| 11 - Category: Credit/Mtg History |
| 29 - Category: DTI |
| 48 - Category: Income/Employment |
| 16 - Category: Insurance |
| 16 - Category: Legal Documents |
| 1 - Category: Re-Verifications |
| 26 - Category: Terms/Guidelines |
| 11 - Category: Title |
| 45 - Property Valuations Review Scope |
| 39 - Category: Appraisal |
| 2 - Category: FEMA |
| 2 - Category: Property |
| 2 - Category: Value |
| 265 - Compliance Review Scope |
| 13 - Category: Ability to Repay/Qualified Mortgage |
| 19 - Category: Compliance Manual |
| 2 - Category: Documentation |
| 5 - Category: Federal Consumer Protection |
| 2 - Category: Finance Charge Tolerance |
| 7 - Category: RESPA |
| 5 - Category: Right of Rescission |
| 3 - Category: State Consumer Protection |
| 8 - Category: Texas Home Equity |
| 1 - Category: TILA |
| 200 - Category: TILA/RESPA Integrated Disclosure |
| **120 - Total Waived Conditions** |
| 99 - Credit Review Scope |
| 1 - Category: Ability to Repay/Qualified Mortgage |
| 10 - Category: Assets |
| 18 - Category: Credit/Mtg History |
| 5 - Category: DTI |
| 41 - Category: Income/Employment |
| 4 - Category: Insurance |
| 1 - Category: Legal Documents |
| 6 - Category: LTV/CLTV |
| 13 - Category: Terms/Guidelines |
| 4 - Property Valuations Review Scope |
| 1 - Category: Appraisal |
| 3 - Category: Property |
| 17 - Compliance Review Scope |
| 2 - Category: Ability to Repay/Qualified Mortgage |
| 4 - Category: Federal Consumer Protection |
| 6 - Category: RESPA |
| 3 - Category: Right of Rescission |
| 2 - Category: TILA/RESPA Integrated Disclosure |

---

©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.

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-2** |
| **Start - End Dates:** | **8/23/2012 - 1/3/2023** |
| **Deal Loan Count:** | **282** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *282* |
| ***Loans with Conditions:*** | *246* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** |
| 10000019297 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable C |
| 10000019302 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Not Applicable B |
| 12XXXXXX93 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 12XXXXXX93 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 12XXXXXX57 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 12XXXXXX57 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 12XXXXXX57 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 12XXXXXX57 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 12XXXXXX67 | XXXXXX | XXXXXX | (No Data) | (No Data) A |
| 12XXXXXX58 | XXXXXX | XXXXXX | (No Data) | (No Data) B C A |
| 12XXXXXX58 | XXXXXX | XXXXXX | (No Data) | (No Data) B C A |
| 12XXXXXX58 | XXXXXX | XXXXXX | (No Data) | (No Data) B C A |
| 12XXXXXX58 | XXXXXX | XXXXXX | (No Data) | (No Data) B C A |
| 12XXXXXX58 | XXXXXX | XXXXXX | (No Data) | (No Data) B C A |
| 15XXXXXX06 | XXXXXX | XXXXXX | (No Data) | (No Data) A C |
| 15XXXXXX06 | XXXXXX | XXXXXX | (No Data) | (No Data) A C |
| 15XXXXXX06 | XXXXXX | XXXXXX | (No Data) | (No Data) A C |
| 15XXXXXX09 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 15XXXXXX10 | XXXXXX | XXXXXX | (No Data) | (No Data) B A C |
| 15XXXXXX10 | XXXXXX | XXXXXX | (No Data) | (No Data) B A C |
| 15XXXXXX10 | XXXXXX | XXXXXX | (No Data) | (No Data) B A C |
| 15XXXXXX10 | XXXXXX | XXXXXX | (No Data) | (No Data) B A C |
| 15XXXXXX96 | XXXXXX | XXXXXX | (No Data) | (No Data) C B A |
| 15XXXXXX96 | XXXXXX | XXXXXX | (No Data) | (No Data) C B A |
| 15XXXXXX96 | XXXXXX | XXXXXX | (No Data) | (No Data) C B A |
| 15XXXXXX11 | XXXXXX | XXXXXX | (No Data) | (No Data) A |
| 15XXXXXX38 | XXXXXX | XXXXXX | (No Data) | (No Data) A |
| 15XXXXXX29 | XXXXXX | XXXXXX | (No Data) | (No Data) C B A |
| 15XXXXXX91 | XXXXXX | XXXXXX | (No Data) | (No Data) A |
| 15XXXXXX66 | XXXXXX | XXXXXX | (No Data) | (No Data) C A |
| 15XXXXXX60 | XXXXXX | XXXXXX | (No Data) | (No Data) C A |
| 15XXXXXX60 | XXXXXX | XXXXXX | (No Data) | (No Data) C A |
| 17XXXXXX51 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 17XXXXXX51 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 17XXXXXX51 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 17XXXXXX51 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 17XXXXXX51 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 17XXXXXX51 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 17XXXXXX51 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 17XXXXXX51 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 17XXXXXX51 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 17XXXXXX51 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 17XXXXXX16 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 17XXXXXX16 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 17XXXXXX16 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 17XXXXXX16 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 17XXXXXX16 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 17XXXXXX16 | XXXXXX | XXXXXX | (No Data) | (No Data) B A |
| 406045387 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D A |
| 408020904 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor B A |
| 408022102 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor A |
| 408022120 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D A |
| 408022120 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D A |
| 408022120 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D A |
| 408022120 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D A |
| 408022135 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor A |
| 408022137 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D B A |
| 408022137 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D B A |
| 408022171 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor C B A |
| 408022171 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor C B A |
| 408022174 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor A |
| 408022180 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D B A |
| 408022180 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D B A |
| 408022180 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D B A |
| 408022186 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D A |
| 408022206 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D B A |
| 408022206 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D B A |
| 408022206 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D B A |
| 408022229 | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH | QM: GSE Temporary - QM/SH C A |
| 408022229 | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH | QM: GSE Temporary - QM/SH C A |
| 408022281 | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH | QM: GSE Temporary - QM/SH D B |
| 408022281 | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH | QM: GSE Temporary - QM/SH D B |
| 408022281 | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH | QM: GSE Temporary - QM/SH D B |
| 408022293 | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH | QM: GSE Temporary - QM/SH C B A |
| 408022293 | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH | QM: GSE Temporary - QM/SH C B A |
| 408022323 | XXXXXX | XXXXXX | QM: GSE Temporary - QM/SH | QM: GSE Temporary - QM/SH C B A |
| 408022638 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D A |
| 408022638 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D A |
| 408022638 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor D A |
| 408064092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408064092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408064092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408064092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408064092 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408067379 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408067379 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408067379 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408067379 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408068568 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408068650 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408068650 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408069598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408069685 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408069685 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408069693 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408069693 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408069693 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408069693 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408069970 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408069970 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408070034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408070034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408070039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408070039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408070039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408070039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408070507 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408070507 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408070507 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408070528 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
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| 408072139 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
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| 408072264 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D |
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| 408072264 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D |
| 408072264 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D |
| 408072264 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D |
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| 408072594 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D |
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| 408072594 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D |
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| 408073045 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073045 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073045 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
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| 408073144 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073144 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
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| 408073160 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
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| 408073160 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
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| 408073173 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
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| 408073174 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B C |
| 408073174 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B C |
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| 408073182 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073182 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073182 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073182 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
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| 408073216 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073216 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073216 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
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| 408073224 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
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| 408073265 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
| 408073265 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
| 408073265 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
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| 408073274 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073274 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
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| 408073283 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
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| 408073318 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073318 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073318 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073331 | XXXXXX | XXXXXX | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) |
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| 408073354 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073354 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073354 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073357 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073357 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073363 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) B |
| 408073378 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073378 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073378 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073378 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073378 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073378 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073403 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073403 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073410 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073410 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073425 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073425 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073425 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B |
| 408073429 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) |
| 408073433 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073442 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073444 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073444 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073451 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073451 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073452 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073452 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073455 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073455 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073455 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073459 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073459 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073470 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073473 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |
| 408073475 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B |
| 408073475 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B |
| 408073475 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B |
| 408073475 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B |
| 408073475 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B |
| 408073475 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B |
| 408073485 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073488 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
| 408073488 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
| 408073488 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
| 408073488 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
| 408073488 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
| 408073488 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
| 408073490 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073490 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073499 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073499 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073499 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073504 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073519 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073519 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073525 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073525 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073525 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073525 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073525 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073530 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073535 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073535 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073535 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073535 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073563 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D |
| 408073563 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D |
| 408073563 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D |
| 408073567 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C |
| 408073567 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C |
| 408073567 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C |
| 408073567 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C |
| 408073567 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C |
| 408073567 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C |
| 408073581 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073581 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073581 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073597 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073597 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073597 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073602 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073602 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073602 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073606 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |
| 408073609 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073621 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073621 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073626 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B |
| 408073626 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B |
| 408073627 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073627 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073634 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B |
| 408073638 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D |
| 408073638 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D |
| 408073638 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D |
| 408073638 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D |
| 408073638 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D |
| 408073664 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073675 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B |
| 408073675 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B |
| 408073675 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B |
| 408073675 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B |
| 408073692 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073729 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |
| 408073731 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073731 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073737 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073737 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073737 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073737 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073737 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073737 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C |
| 408073738 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073738 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073738 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073738 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B |
| 408073739 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073739 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073747 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073747 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073747 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073747 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073747 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073784 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073784 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073784 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073784 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B |
| 408073830 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
| 408073830 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
| 408073830 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
| 408073830 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
| 408073830 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
| 408073830 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
| 408073830 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C |
| 408073837 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073837 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |
| 408073837 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D |

---

---

| |
|:---|
| **Loan Number** |
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| 10000019302 A B |
| 12XXXXXX93 A D B |
| 12XXXXXX93 A D B |
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| 408071724 A |
| 408071726 A |
| 408071757 A C |
| 408071765 A C B |
| 408071765 A C B |
| 408071773 A D |
| 408071773 A D |
| 408071780 A |
| 408071780 A |
| 408071781 A B |
| 408071787 A |
| 408071792 A C B |
| 408071792 A C B |
| 408071800 A B |
| 408071816 A D |
| 408071816 A D |
| 408071816 A D |
| 408071817 A C B |
| 408071817 A C B |
| 408071817 A C B |
| 408071817 A C B |
| 408071824 A C B |
| 408071824 A C B |
| 408071824 A C B |
| 408071829 A D C |
| 408071829 A D C |
| 408071833 A |
| 408071836 A B |
| 408071836 A B |
| 408071856 A C B D |
| 408071856 A C B D |
| 408071858 A |
| 408071865 A |
| 408071876 A D B C |
| 408071876 A D B C |
| 408071876 A D B C |
| 408071988 A D B |
| 408071988 A D B |
| 408071991 A D |
| 408071998 A |
| 408072011 A |
| 408072026 A C B |
| 408072026 A C B |
| 408072033 A |
| 408072073 A B |
| 408072081 D C A |
| 408072081 D C A |
| 408072081 D C A |
| 408072094 A C B |
| 408072094 A C B |
| 408072127 A |
| 408072128 A D B |
| 408072128 A D B |
| 408072128 A D B |
| 408072129 A D B |
| 408072137 A C |
| 408072139 A C D |
| 408072139 A C D |
| 408072139 A C D |
| 408072264 A D |
| 408072264 A D |
| 408072264 A D |
| 408072264 A D |
| 408072264 A D |
| 408072264 A D |
| 408072266 A D |
| 408072266 A D |
| 408072266 A D |
| 408072266 A D |
| 408072266 A D |
| 408072293 A D B |
| 408072293 A D B |
| 408072307 A C |
| 408072350 A C D |
| 408072350 A C D |
| 408072352 A C |
| 408072352 A C |
| 408072352 A C |
| 408072367 A C |
| 408072367 A C |
| 408072377 A C B |
| 408072377 A C B |
| 408072377 A C B |
| 408072377 A C B |
| 408072377 A C B |
| 408072392 A D |
| 408072392 A D |
| 408072392 A D |
| 408072394 A C D B |
| 408072394 A C D B |
| 408072394 A C D B |
| 408072403 A C B |
| 408072403 A C B |
| 408072403 A C B |
| 408072438 A D B C |
| 408072438 A D B C |
| 408072438 A D B C |
| 408072438 A D B C |
| 408072438 A D B C |
| 408072446 A |
| 408072449 A |
| 408072499 A |
| 408072520 A C |
| 408072520 A C |
| 408072572 A D |
| 408072572 A D |
| 408072581 A C D |
| 408072581 A C D |
| 408072594 A D |
| 408072594 A D |
| 408072594 A D |
| 408072594 A D |
| 408072594 A D |
| 408072594 A D |
| 408072602 A |
| 408072609 A B |
| 408072609 A B |
| 408072645 A |
| 408072645 A |
| 408072649 B A D C |
| 408072649 B A D C |
| 408072649 B A D C |
| 408072649 B A D C |
| 408072649 B A D C |
| 408072668 A D |
| 408072668 A D |
| 408072686 A D |
| 408072686 A D |
| 408072686 A D |
| 408072686 A D |
| 408072716 A |
| 408072725 A C B |
| 408072725 A C B |
| 408072733 A C |
| 408072733 A C |
| 408072742 A D |
| 408072749 A D C |
| 408072749 A D C |
| 408072767 A C B |
| 408072767 A C B |
| 408072767 A C B |
| 408072788 A C B |
| 408072788 A C B |
| 408072788 A C B |
| 408072788 A C B |
| 408072788 A C B |
| 408072788 A C B |
| 408072788 A C B |
| 408072788 A C B |
| 408072788 A C B |
| 408072791 A |
| 408072871 A D B |
| 408072871 A D B |
| 408072871 A D B |
| 408072871 A D B |
| 408072871 A D B |
| 408072892 A D C |
| 408072892 A D C |
| 408072892 A D C |
| 408072892 A D C |
| 408072907 A D B |
| 408072907 A D B |
| 408072907 A D B |
| 408072907 A D B |
| 408072907 A D B |
| 408072907 A D B |
| 408072907 A D B |
| 408072907 A D B |
| 408072907 A D B |
| 408072945 A D |
| 408072945 A D |
| 408072949 A B |
| 408072949 A B |
| 408072950 A |
| 408072957 A D B |
| 408072957 A D B |
| 408072957 A D B |
| 408072957 A D B |
| 408072964 A C |
| 408072964 A C |
| 408072964 A C |
| 408072964 A C |
| 408072964 A C |
| 408072974 A B |
| 408072974 A B |
| 408073030 A |
| 408073036 A B D |
| 408073036 A B D |
| 408073036 A B D |
| 408073040 A C B |
| 408073040 A C B |
| 408073040 A C B |
| 408073040 A C B |
| 408073040 A C B |
| 408073040 A C B |
| 408073045 A D B |
| 408073045 A D B |
| 408073045 A D B |
| 408073045 A D B |
| 408073045 A D B |
| 408073046 A C |
| 408073050 A C B |
| 408073050 A C B |
| 408073058 A C B |
| 408073058 A C B |
| 408073058 A C B |
| 408073083 A C B |
| 408073083 A C B |
| 408073088 A D B |
| 408073088 A D B |
| 408073088 A D B |
| 408073133 A B |
| 408073138 A B |
| 408073144 A D B |
| 408073144 A D B |
| 408073144 A D B |
| 408073144 A D B |
| 408073160 A D |
| 408073160 A D |
| 408073160 A D |
| 408073160 A D |
| 408073160 A D |
| 408073162 A C |
| 408073173 A C B D |
| 408073173 A C B D |
| 408073173 A C B D |
| 408073173 A C B D |
| 408073174 A D B C |
| 408073174 A D B C |
| 408073174 A D B C |
| 408073174 A D B C |
| 408073174 A D B C |
| 408073176 A C B |
| 408073176 A C B |
| 408073182 A D |
| 408073182 A D |
| 408073182 A D |
| 408073182 A D |
| 408073182 A D |
| 408073207 A B |
| 408073216 A C |
| 408073216 A C |
| 408073216 A C |
| 408073216 A C |
| 408073224 A D C |
| 408073224 A D C |
| 408073265 A D C |
| 408073265 A D C |
| 408073265 A D C |
| 408073265 A D C |
| 408073274 A C B |
| 408073274 A C B |
| 408073274 A C B |
| 408073283 A C B |
| 408073283 A C B |
| 408073287 A C |
| 408073305 A |
| 408073318 A B |
| 408073318 A B |
| 408073318 A B |
| 408073318 A B |
| 408073331 A |
| 408073354 A D |
| 408073354 A D |
| 408073354 A D |
| 408073354 A D |
| 408073357 A B |
| 408073357 A B |
| 408073363 A B |
| 408073378 A D B |
| 408073378 A D B |
| 408073378 A D B |
| 408073378 A D B |
| 408073378 A D B |
| 408073378 A D B |
| 408073403 A D |
| 408073403 A D |
| 408073410 A B |
| 408073410 A B |
| 408073425 A C B |
| 408073425 A C B |
| 408073425 A C B |
| 408073429 A |
| 408073433 A |
| 408073442 A |
| 408073444 A C |
| 408073444 A C |
| 408073451 A D |
| 408073451 A D |
| 408073452 A D B |
| 408073452 A D B |
| 408073455 A D |
| 408073455 A D |
| 408073455 A D |
| 408073459 A |
| 408073459 A |
| 408073470 A |
| 408073473 A |
| 408073475 A C B |
| 408073475 A C B |
| 408073475 A C B |
| 408073475 A C B |
| 408073475 A C B |
| 408073475 A C B |
| 408073485 A |
| 408073488 A D C |
| 408073488 A D C |
| 408073488 A D C |
| 408073488 A D C |
| 408073488 A D C |
| 408073488 A D C |
| 408073490 A |
| 408073490 A |
| 408073499 A C |
| 408073499 A C |
| 408073499 A C |
| 408073504 A |
| 408073519 A |
| 408073519 A |
| 408073525 A C B D |
| 408073525 A C B D |
| 408073525 A C B D |
| 408073525 A C B D |
| 408073525 A C B D |
| 408073530 A |
| 408073535 A D B |
| 408073535 A D B |
| 408073535 A D B |
| 408073535 A D B |
| 408073563 A D |
| 408073563 A D |
| 408073563 A D |
| 408073567 A C D B |
| 408073567 A C D B |
| 408073567 A C D B |
| 408073567 A C D B |
| 408073567 A C D B |
| 408073567 A C D B |
| 408073581 A B |
| 408073581 A B |
| 408073581 A B |
| 408073597 A C |
| 408073597 A C |
| 408073597 A C |
| 408073602 A D B |
| 408073602 A D B |
| 408073602 A D B |
| 408073606 A |
| 408073609 A |
| 408073621 A C |
| 408073621 A C |
| 408073626 A B |
| 408073626 A B |
| 408073627 A B |
| 408073627 A B |
| 408073634 A B |
| 408073638 A C D |
| 408073638 A C D |
| 408073638 A C D |
| 408073638 A C D |
| 408073638 A C D |
| 408073664 A C |
| 408073675 A C B |
| 408073675 A C B |
| 408073675 A C B |
| 408073675 A C B |
| 408073692 A |
| 408073729 A |
| 408073731 A D B |
| 408073731 A D B |
| 408073737 A C |
| 408073737 A C |
| 408073737 A C |
| 408073737 A C |
| 408073737 A C |
| 408073737 A C |
| 408073738 A D B |
| 408073738 A D B |
| 408073738 A D B |
| 408073738 A D B |
| 408073739 A D |
| 408073739 A D |
| 408073747 A D |
| 408073747 A D |
| 408073747 A D |
| 408073747 A D |
| 408073747 A D |
| 408073784 A D B |
| 408073784 A D B |
| 408073784 A D B |
| 408073784 A D B |
| 408073830 A D C |
| 408073830 A D C |
| 408073830 A D C |
| 408073830 A D C |
| 408073830 A D C |
| 408073830 A D C |
| 408073830 A D C |
| 408073837 A D |
| 408073837 A D |
| 408073837 A D |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Initial S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** |
| 10000019297 | Compliance | TILA | Satisfied | C A | C A | CMPTILA1953 | Corrected TIL should have been provided, under disclosed APR | No |
| 10000019302 | Credit | DTI | Satisfied | B A | B A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 12XXXXXX93 | Credit | Credit/Mtg History | Waived | C B | C B | CRDCRMH104 | Credit score below minimum required for program/grade | No |
| 12XXXXXX93 | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL140 | Missing subordination agreement for existing junior lien | No |
| 12XXXXXX57 | Compliance | Federal Consumer Protection | Satisfied | D A | D A | CMPFDCP1661 | TILA - Early TIL not in file | No |
| 12XXXXXX57 | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA845 | RESPA - GFE given after 3 days from application | No |
| 12XXXXXX57 | Credit | Assets | Satisfied | D A | D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No |
| 12XXXXXX57 | Credit | Credit/Mtg History | Waived | C B | C B | CRDCRMH104 | Credit score below minimum required for program/grade | No |
| 12XXXXXX67 |  |  |  |  |  |  |  |  |
| 12XXXXXX58 | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No |
| 12XXXXXX58 | Compliance | Federal Consumer Protection | Satisfied | D A | D A | CMPFDCP1661 | TILA - Early TIL not in file | No |
| 12XXXXXX58 | Compliance | Federal Consumer Protection | Waived | B | B | CMPFDCP2444 | TILA - Disclosed "Date" for required MDIA payment disclosure is incorrect. | No |
| 12XXXXXX58 | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA845 | RESPA - GFE given after 3 days from application | No |
| 12XXXXXX58 | Credit | Income/Employment | Waived | C B | C B | CRDINC150 | Income docs do not meet guidelines for grade/doc type | No |
| 15XXXXXX06 | Credit | Income/Employment | Satisfied | C A | C A | CRDINC126 | Length of Employ./Self-Employ. Does Not Meet Grade Guidelines | No |
| 15XXXXXX06 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR175 | Missing Review Appraisal | No |
| 15XXXXXX06 | Property Valuations | Value | Satisfied | N/A | N/A | PRVAVALU153 | Value Not Supported | No |
| 15XXXXXX09 | Compliance | RESPA | Waived | B | B | CMPRESPA868 | Settlement charge estimate not available for 10 business days | No |
| 15XXXXXX10 | Compliance | RESPA | Waived | B | B | CMPRESPA868 | Settlement charge estimate not available for 10 business days | No |
| 15XXXXXX10 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 15XXXXXX10 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income documentation in file is incomplete per requirements | No |
| 15XXXXXX10 | Property Valuations | Property | Waived | C B | C B | PRVAPROP241 | Property Type unacceptable under guidelines | No |
| 15XXXXXX96 | Credit | Credit/Mtg History | Waived | N/A B | N/A B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No |
| 15XXXXXX96 | Credit | Title | Satisfied | C A | C A | CRDTIL100 | Potential title issue | No |
| 15XXXXXX96 | Property Valuations | Value | Satisfied | N/A | N/A | PRVAVALU153 | Value Not Supported | No |
| 15XXXXXX11 | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 15XXXXXX38 |  |  |  |  |  |  |  |  |
| 15XXXXXX29 | Credit | Income/Employment | Waived | C B | C B | CRDINC150 | Income docs do not meet guidelines for grade/doc type | No |
| 15XXXXXX91 |  |  |  |  |  |  |  |  |
| 15XXXXXX66 | Credit | Insurance | Satisfied | C A | C A | CRDINSR822 | Insurance Effective date is greater than the transaction date | No |
| 15XXXXXX60 | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER109 | Cash Out Amount Exceeds Guidelines | No |
| 15XXXXXX60 | Credit | Title | Satisfied | C A | C A | CRDTIL100 | Potential title issue | No |
| 17XXXXXX51 | Compliance | Federal Consumer Protection | Satisfied | D A | D A | CMPFDCP1661 | TILA - Early TIL not in file | No |
| 17XXXXXX51 | Compliance | Federal Consumer Protection | Waived | B | B | CMPFDCP2444 | TILA - Disclosed "Date" for required MDIA payment disclosure is incorrect. | No |
| 17XXXXXX51 | Compliance | Federal Consumer Protection | Waived | B | B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No |
| 17XXXXXX51 | Credit | Assets | Satisfied | C A | C A | CRDAST205 | Insufficient Funds to Close | No |
| 17XXXXXX51 | Credit | Assets | Satisfied | D A | D A | CRDAST2304 | Unverified Assets | No |
| 17XXXXXX51 | Credit | Credit/Mtg History | Satisfied | C A | C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No |
| 17XXXXXX51 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 17XXXXXX51 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2302 | Missing Required Income Documentation | No |
| 17XXXXXX51 | Credit | Insurance | Satisfied | D A | D A | CRDINSR2400 | Missing Flood Certification Document | No |
| 17XXXXXX51 | Credit | Insurance | Satisfied | D A | D A | CRDINSR848 | Missing Hazard Insurance | No |
| 17XXXXXX16 | Credit | Assets | Satisfied | D A | D A | CRDAST2304 | Unverified Assets | No |
| 17XXXXXX16 | Credit | Credit/Mtg History | Satisfied | D A | D A | CRDCRMH189 | Missing credit report | No |
| 17XXXXXX16 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 17XXXXXX16 | Credit | Insurance | Satisfied | D A | D A | CRDINSR2400 | Missing Flood Certification Document | No |
| 17XXXXXX16 | Credit | Insurance | Satisfied | D A | D A | CRDINSR848 | Missing Hazard Insurance | No |
| 17XXXXXX16 | Credit | LTV/CLTV | Waived | C B | C B | CRDLTV101 | CLTV exceeds grade limit | No |
| 406045387 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408020904 | Compliance | TILA/RESPA Integrated Disclosure | Waived | B | B | CMPTRID3478 | TRID - Written List of Providers not compliant | No |
| 408022102 |  |  |  |  |  |  |  |  |
| 408022120 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408022120 | Credit | Insurance | Satisfied | D A | D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No |
| 408022120 | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No |
| 408022120 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408022135 |  |  |  |  |  |  |  |  |
| 408022137 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3750 | TRID - Error #10 discovered on Closing Disclosure | No |
| 408022137 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408022171 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408022171 | Credit | Income/Employment | Waived | B | B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408022174 |  |  |  |  |  |  |  |  |
| 408022180 | Credit | Assets | Waived | C B | C B | CRDAST115 | Cash reserves do not meet guidelines | No |
| 408022180 | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 408022180 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408022186 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408022206 | Compliance | Federal Consumer Protection | Waived | B | B | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | No |
| 408022206 | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No |
| 408022206 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408022229 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination. | No |
| 408022229 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM2970 | TILA - Loan is a Non-QM loan with documented ATR UW factors; points and fees exceed client's 3% guideline. | No |
| 408022281 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | CMPTRID5019 | TRID - Closing Disclosure; Optional designation missing from optional insurance product | No |
| 408022281 | Credit | Terms/Guidelines | Waived | B | B | CRDTER3490 | Missing Patriot Act form | No |
| 408022281 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408022293 | Compliance | TILA/RESPA Integrated Disclosure | Waived | B | B | CMPTRID4583 | TRID - LE sent prior to CD, but either confirmed receipt date or assumed receipt date is on or after the CD receipt date | No |
| 408022293 | Credit | Assets | Waived | C B | C B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408022323 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID5055 | TRID - CD: Inconsistency between the amounts disclosed for the Property Taxes in one or more sections of the CD | No |
| 408022638 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408022638 | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2550 | Missing HUD-1 from sale of property | No |
| 408022638 | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408064092 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408064092 | Compliance | RESPA | Waived | B | B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No |
| 408064092 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408064092 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3552 | TRID - Loan Estimate not timely | No |
| 408064092 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No |
| 408067379 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408067379 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2340 | Employment verification does not meet guidelines | No |
| 408067379 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408067379 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408068568 |  |  |  |  |  |  |  |  |
| 408068650 | Credit | Assets | Waived | C B | C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No |
| 408068650 | Credit | Income/Employment | Waived | C B | C B | CRDINC150 | Income docs do not meet guidelines | No |
| 408069598 | Credit | Income/Employment | Satisfied | B A | B A | CRDINC126 | Length of employment/self-employment does not meet guidelines | No |
| 408069685 | Compliance | Federal Consumer Protection | Satisfied | C A | C A | CMPFDCP3206 | NMLS License verification found Loan Originator Name does not match ID | No |
| 408069685 | Credit | Income/Employment | Waived | D B | D B | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408069693 | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No |
| 408069693 | Compliance | Right of Rescission | Satisfied | D A | D A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No |
| 408069693 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408069693 | Credit | Income/Employment | Waived | B | B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408069970 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408069970 | Credit | Assets | Satisfied | D A | D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No |
| 408070034 | Credit | Income/Employment | Waived | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408070034 | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408070039 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408070039 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408070039 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408070039 | Property Valuations | Property | Waived | B | B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No |
| 408070507 | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408070507 | Credit | Assets | Waived | C B | C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No |
| 408070507 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408070528 |  |  |  |  |  |  |  |  |
| 408070536 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408070536 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408070551 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408070551 | Credit | Income/Employment | Waived | B | B | CRDINC3204 | Income Documentation Missing | No |
| 408070562 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408070596 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408070596 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No |
| 408070633 | Compliance | Texas Home Equity | Satisfied | C A | C A | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No |
| 408070633 | Credit | Income/Employment | Waived | D B | D B | CRDINC2340 | Employment verification does not meet guidelines | No |
| 408070633 | Credit | Income/Employment | Waived | D B | D B | CRDINC3204 | Income Documentation Missing | No |
| 408070633 | Credit | Income/Employment | Waived | D B | D B | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No |
| 408070633 | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408070633 | Credit | Title | Satisfied | C A | C A | CRDTIL100 | Potential title issue | No |
| 408070648 | Compliance | Right of Rescission | Waived | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No |
| 408070716 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408070716 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408070716 | Credit | Terms/Guidelines | Satisfied | A | A | CRDTER3490 | Missing Patriot Act form | No |
| 408070733 | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL4033 | Missing Legal Document(s) | No |
| 408070733 | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No |
| 408070733 | Credit | Title | Satisfied | D A | D A | CRDTIL796 | Missing Title | No |
| 408070733 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408070739 |  |  |  |  |  |  |  |  |
| 408070740 |  |  |  |  |  |  |  |  |
| 408070742 | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No |
| 408070747 | Credit | Income/Employment | Satisfied | C A | C A | CRDINC150 | Income docs do not meet guidelines | No |
| 408070748 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No |
| 408070748 | Credit | Assets | Waived | C B | C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No |
| 408070748 | Credit | Income/Employment | Waived | C B | C B | CRDINC2412 | Income documents in file are not for consecutive years | No |
| 408070777 | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No |
| 408070777 | Compliance | Right of Rescission | Satisfied | C A | C A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No |
| 408070777 | Credit | Assets | Waived | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No |
| 408070777 | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No |
| 408070777 | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No |
| 408070781 | Credit | Income/Employment | Waived | D B | D B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408070784 | Credit | Income/Employment | Waived | D B | D B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408070794 | Credit | Income/Employment | Waived | B | B | CRDINC2340 | Employment verification does not meet guidelines | No |
| 408070794 | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408070822 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408070846 | Compliance | RESPA | Waived | B | B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No |
| 408070846 | Compliance | Texas Home Equity | Satisfied | D A | D A | CMPTXHE114 | TX Equity - Missing Notice Concerning Extensions of Credit (12-Day) | No |
| 408070846 | Credit | Terms/Guidelines | Waived | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No |
| 408070865 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408070865 | Compliance | Documentation | Satisfied | D A | D A | CMPDOC191 | Missing Mortgage | No |
| 408070865 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408070865 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408070865 | Credit | Income/Employment | Waived | D B | D B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408070875 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408070875 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408070907 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408070907 | Credit | Terms/Guidelines | Waived | B | B | CRDTER3490 | Missing Patriot Act form | No |
| 408070909 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408070909 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408070912 | Credit | Assets | Satisfied | B A | B A | CRDAST207 | Assets Are Unreasonable | No |
| 408070912 | Credit | DTI | Waived | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No |
| 408070912 | Credit | Terms/Guidelines | Waived | C B | C B | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408070920 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408070954 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No |
| 408070961 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408070961 | Credit | Application | Satisfied | D A | D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No |
| 408070974 | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No |
| 408070974 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408070975 | Compliance | Right of Rescission | Waived | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No |
| 408070975 | Credit | Terms/Guidelines | Waived | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408070975 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408070986 | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No |
| 408070986 | Credit | Terms/Guidelines | Waived | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No |
| 408070986 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408071015 | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL138 | Missing copy of 1st lien HUD-1 (subject is 2nd lien) | No |
| 408071015 | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No |
| 408071019 |  |  |  |  |  |  |  |  |
| 408071027 | Compliance | Texas Home Equity | Satisfied | B A | B A | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No |
| 408071027 | Compliance | Texas Home Equity | Satisfied | B A | B A | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No |
| 408071027 | Credit | Income/Employment | Waived | B | B | CRDINC150 | Income docs do not meet guidelines | No |
| 408071033 |  |  |  |  |  |  |  |  |
| 408071058 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408071058 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408071058 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408071058 | Credit | Income/Employment | Satisfied | B A | B A | CRDINC3204 | Income Documentation Missing | No |
| 408071058 | Credit | Title | Satisfied | D A | D A | CRDTIL796 | Missing Title | No |
| 408071059 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071059 | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2422 | Missing Purchase Contract | No |
| 408071059 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No |
| 408071082 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071082 | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408071082 | Credit | Assets | Waived | D B | D B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No |
| 408071117 | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2422 | Missing Purchase Contract | No |
| 408071117 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408071126 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071139 | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH148 | Credit report stale dated at closing | No |
| 408071139 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408071139 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408071142 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071161 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071185 |  |  |  |  |  |  |  |  |
| 408071199 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408071202 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No |
| 408071217 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071219 | Credit | Insurance | Satisfied | C A | C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No |
| 408071235 | Credit | Income/Employment | Waived | D B | D B | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408071235 | Credit | Insurance | Satisfied | D A | D A | CRDINSR848 | Missing Hazard Insurance | No |
| 408071241 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408071243 |  |  |  |  |  |  |  |  |
| 408071247 | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408071247 | Credit | Income/Employment | Satisfied | B A | B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408071250 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408071250 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408071250 | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No |
| 408071250 | Credit | Income/Employment | Waived | D B | D B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408071259 | Credit | Assets | Waived | C B | C B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408071259 | Credit | Income/Employment | Waived | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408071259 | Credit | Income/Employment | Waived | D B | D B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408071259 | Credit | Income/Employment | Waived | D B | D B | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No |
| 408071270 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408071270 | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No |
| 408071270 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3552 | TRID - Loan Estimate not timely | No |
| 408071288 |  |  |  |  |  |  |  |  |
| 408071292 |  |  |  |  |  |  |  |  |
| 408071327 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408071327 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408071327 | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER3490 | Missing Patriot Act form | No |
| 408071327 | Credit | Terms/Guidelines | Waived | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No |
| 408071360 | Credit | Assets | Satisfied | B A | B A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No |
| 408071360 | Credit | Insurance | Satisfied | D A | D A | CRDINSR848 | Missing Hazard Insurance | No |
| 408071360 | Credit | Legal Documents | Satisfied | C A | C A | CRDLGL852 | Vesting does not agree with Mortgage | No |
| 408071360 | Credit | Title | Satisfied | C A | C A | CRDTIL875 | Title Does Not Agree With Mortgage | No |
| 408071372 |  |  |  |  |  |  |  |  |
| 408071373 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408071373 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071378 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408071378 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408071383 |  |  |  |  |  |  |  |  |
| 408071415 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408071415 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071415 | Credit | Credit/Mtg History | Satisfied | C A | C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No |
| 408071415 | Credit | DTI | Satisfied | C A | C A | CRDDTI187 | Debt Ratio > 43% | No |
| 408071424 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071424 | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2550 | Missing HUD-1 from sale of property | No |
| 408071439 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408071439 | Compliance | State Consumer Protection | Satisfied | B A | B A | CMPSTCP2129 | MD Counseling Notice not in file | No |
| 408071439 | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408071462 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071462 | Property Valuations | Appraisal | Waived | D B | D B | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No |
| 408071527 | Compliance | Right of Rescission | Satisfied | C B | C B | CMPROR1911 | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No |
| 408071531 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071532 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071555 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408071555 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408071556 |  |  |  |  |  |  |  |  |
| 408071574 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071574 | Credit | Insurance | Satisfied | C A | C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No |
| 408071592 | Credit | Assets | Waived | B | B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No |
| 408071592 | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No |
| 408071597 | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408071597 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408071634 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408071634 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071634 | Credit | Assets | Satisfied | C A | C A | CRDAST205 | Insufficient Funds to Close | No |
| 408071641 | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER3492 | Patriot Act form not fully executed by all parties | No |
| 408071663 | Credit | DTI | Satisfied | A | A | CRDDTI187 | Debt Ratio > 43% | No |
| 408071663 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408071666 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071686 | Credit | Income/Employment | Waived | D B | D B | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408071689 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071720 | Compliance | State Consumer Protection | Satisfied | D A | D A | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No |
| 408071720 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071724 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071726 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071757 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No |
| 408071765 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408071765 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408071773 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408071773 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071780 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408071780 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071781 | Credit | Income/Employment | Waived | B | B | CRDINC3204 | Income Documentation Missing | No |
| 408071787 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071792 | Compliance | Ability to Repay/Qualified Mortgage | Waived | C B | C B | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | No |
| 408071792 | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No |
| 408071800 | Credit | Terms/Guidelines | Waived | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No |
| 408071816 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071816 | Credit | Income/Employment | Satisfied | C A | C A | CRDINC2488 | Verbal verification of employment missing | No |
| 408071816 | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2550 | Missing HUD-1 from sale of property | No |
| 408071817 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3552 | TRID - Loan Estimate not timely | No |
| 408071817 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID5291 | TRID: CD: The amount of Estimated Escrow in the Projected Payments section is inaccurate | No |
| 408071817 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408071817 | Credit | Re-Verifications | Satisfied | C A | C A | CRDRVRFC1803 | Debts/Obligations that were not discl at origination revealed through independent re-verification | No |
| 408071824 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071824 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408071824 | Credit | Insurance | Waived | C B | C B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No |
| 408071829 | Credit | Insurance | Satisfied | C A | C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No |
| 408071829 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408071833 |  |  |  |  |  |  |  |  |
| 408071836 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071836 | Credit | Insurance | Waived | B | B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No |
| 408071856 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408071856 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3204 | Income Documentation Missing | No |
| 408071858 |  |  |  |  |  |  |  |  |
| 408071865 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071876 | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No |
| 408071876 | Credit | Insurance | Waived | C B | C B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No |
| 408071876 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408071988 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408071988 | Credit | Income/Employment | Waived | D B | D B | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No |
| 408071991 | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408071998 |  |  |  |  |  |  |  |  |
| 408072011 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072026 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408072026 | Credit | DTI | Satisfied | B A | B A | CRDDTI105 | Debt Ratio Exception 5% or Less | No |
| 408072033 |  |  |  |  |  |  |  |  |
| 408072073 | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH123 | No evidence of required debt payoff | No |
| 408072081 | Compliance | Documentation | Active | C | C | CMPDOC2510 | All funds were not disbursed w/out written explanation or unacceptable reasons | Yes |
| 408072081 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072081 | Property Valuations | Appraisal | Active | D | D | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | Yes |
| 408072094 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072094 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072127 |  |  |  |  |  |  |  |  |
| 408072128 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408072128 | Credit | Credit/Mtg History | Satisfied | B A | B A | CRDCRMH122 | Foreclosure history does not meet guidelines | No |
| 408072128 | Credit | Income/Employment | Waived | D B | D B | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408072129 | Credit | Income/Employment | Waived | D B | D B | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408072137 | Compliance | Documentation | Satisfied | C A | C A | CMPDOC2510 | All funds were not disbursed w/out written explanation or unacceptable reasons | No |
| 408072139 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072139 | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No |
| 408072139 | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408072264 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408072264 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072264 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408072264 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408072264 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072264 | Credit | Insurance | Satisfied | D A | D A | CRDINSR848 | Missing Hazard Insurance | No |
| 408072266 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408072266 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072266 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408072266 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408072266 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408072293 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408072293 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072307 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072350 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072350 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408072352 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072352 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072352 | Credit | Title | Satisfied | C A | C A | CRDTIL100 | Potential title issue | No |
| 408072367 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072367 | Credit | Credit/Mtg History | Satisfied | C A | C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No |
| 408072377 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072377 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3646 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No |
| 408072377 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072377 | Credit | Legal Documents | Satisfied | C A | C A | CRDLGL852 | Vesting does not agree with Mortgage | No |
| 408072377 | Credit | Title | Satisfied | C A | C A | CRDTIL875 | Title Does Not Agree With Mortgage | No |
| 408072392 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072392 | Credit | Insurance | Satisfied | D A | D A | CRDINSR848 | Missing Hazard Insurance | No |
| 408072392 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408072394 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408072394 | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH148 | Credit report stale dated at closing | No |
| 408072394 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408072403 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072403 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No |
| 408072403 | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408072438 | Compliance | Right of Rescission | Waived | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No |
| 408072438 | Compliance | Texas Home Equity | Satisfied | B A | B A | CMPTXHE308 | Voluntary Same-Lender Debt disclosure not provided to borrower | No |
| 408072438 | Compliance | Texas Home Equity | Satisfied | D A | D A | CMPTXHE114 | TX Equity - Missing Notice Concerning Extensions of Credit (12-Day) | No |
| 408072438 | Credit | LTV/CLTV | Waived | C B | C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No |
| 408072438 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408072446 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072449 |  |  |  |  |  |  |  |  |
| 408072499 |  |  |  |  |  |  |  |  |
| 408072520 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072520 | Credit | Application | Satisfied | C A | C A | CRDAPP1813 | Undisclosed non-arm's length transaction | No |
| 408072572 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408072572 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408072581 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408072581 | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408072594 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072594 | Credit | Application | Satisfied | C A | C A | CRDAPP1813 | Undisclosed non-arm's length transaction | No |
| 408072594 | Credit | Credit/Mtg History | Satisfied | C A | C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No |
| 408072594 | Credit | Income/Employment | Satisfied | A | A | CRDINC3204 | Income Documentation Missing | No |
| 408072594 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408072594 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408072602 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072609 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072609 | Credit | Income/Employment | Waived | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408072645 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072645 | Credit | DTI | Satisfied | A | A | CRDDTI187 | Debt Ratio > 43% | No |
| 408072649 | Credit | Ability to Repay/Qualified Mortgage | Waived | C B | C B | CRDATRQM3122 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a different status than the Lender's status determination. | No |
| 408072649 | Credit | DTI | Satisfied | C A | C A | CRDDTI187 | Debt Ratio > 43% | No |
| 408072649 | Credit | DTI | Waived | B | B | CRDDTI106 | Debt Ratio Exception >5% and <10% | No |
| 408072649 | Property Valuations | Property | Satisfied | D A | D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No |
| 408072649 | Property Valuations | Property | Waived | B | B | PRVAPROP177 | Property Issues Indicated | No |
| 408072668 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072668 | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL140 | Missing subordination agreement for existing junior lien | No |
| 408072686 | Credit | Assets | Satisfied | C A | C A | CRDAST205 | Insufficient Funds to Close | No |
| 408072686 | Credit | Assets | Satisfied | C A | C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No |
| 408072686 | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408072686 | Credit | Insurance | Satisfied | C A | C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No |
| 408072716 | Credit | DTI | Satisfied | A | A | CRDDTI187 | Debt Ratio > 43% | No |
| 408072725 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408072725 | Credit | Insurance | Waived | C B | C B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No |
| 408072733 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408072733 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408072742 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408072749 | Credit | Income/Employment | Satisfied | C A | C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408072749 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408072767 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408072767 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408072767 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408072788 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM2970 | TILA - Loan is a Non-QM loan with documented ATR UW factors; points and fees exceed client's 3% guideline. | No |
| 408072788 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CMPATRQM2974 | TILA - Loan is a Non-QM loan; APR exceeds client's HPCT maximum guideline. | No |
| 408072788 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072788 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B A | B A | CMPTRID5089 | TRID - Escrow Waiver Fee disclosed in Loan Disclosures but is not contained in Loan Costs and no evidence the fee was charged | No |
| 408072788 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID5097 | TRID - Escrow Waiver Fee disclosed in Loan Costs Section differs in amount from the amount in Loan Disclosures | No |
| 408072788 | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CRDATRQM3122 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a different status than the Lender's status determination. | No |
| 408072788 | Credit | Credit/Mtg History | Satisfied | C A | C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No |
| 408072788 | Credit | DTI | Waived | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No |
| 408072788 | Credit | LTV/CLTV | Waived | B | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No |
| 408072791 | Credit | DTI | Satisfied | A | A | CRDDTI187 | Debt Ratio > 43% | No |
| 408072871 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No |
| 408072871 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408072871 | Credit | DTI | Satisfied | B A | B A | CRDDTI187 | Debt Ratio > 43% | No |
| 408072871 | Credit | DTI | Waived | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No |
| 408072871 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408072892 | Credit | DTI | Satisfied | B A | B A | CRDDTI105 | Debt Ratio Exception 5% or Less | No |
| 408072892 | Credit | DTI | Satisfied | C A | C A | CRDDTI187 | Debt Ratio > 43% | No |
| 408072892 | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 408072892 | Property Valuations | FEMA | Satisfied | C A | C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No |
| 408072907 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408072907 | Compliance | RESPA | Waived | B | B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No |
| 408072907 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072907 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3552 | TRID - Loan Estimate not timely | No |
| 408072907 | Credit | Credit/Mtg History | Satisfied | C A | C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No |
| 408072907 | Credit | Income/Employment | Satisfied | A | A | CRDINC150 | Income docs do not meet guidelines | No |
| 408072907 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408072907 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3204 | Income Documentation Missing | No |
| 408072907 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408072945 | Credit | Insurance | Satisfied | D A | D A | CRDINSR848 | Missing Hazard Insurance | No |
| 408072945 | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408072949 | Credit | Income/Employment | Satisfied | B A | B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408072949 | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER3490 | Missing Patriot Act form | No |
| 408072950 |  |  |  |  |  |  |  |  |
| 408072957 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072957 | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408072957 | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No |
| 408072957 | Credit | DTI | Satisfied | A | A | CRDDTI187 | Debt Ratio > 43% | No |
| 408072964 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072964 | Credit | Credit/Mtg History | Satisfied | B A | B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No |
| 408072964 | Credit | DTI | Satisfied | B A | B A | CRDDTI105 | Debt Ratio Exception 5% or Less | No |
| 408072964 | Credit | DTI | Satisfied | C A | C A | CRDDTI187 | Debt Ratio > 43% | No |
| 408072964 | Credit | Income/Employment | Satisfied | A | A | CRDINC3204 | Income Documentation Missing | No |
| 408072974 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408072974 | Credit | Income/Employment | Waived | B | B | CRDINC2340 | Employment verification does not meet guidelines | No |
| 408073030 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073036 | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No |
| 408073036 | Compliance | State Consumer Protection | Satisfied | B A | B A | CMPSTCP2129 | MD Counseling Notice not in file | No |
| 408073036 | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408073040 | Compliance | Compliance Manual | Satisfied | C A | C A | CMPMAN2990 | 1003 - Final Application is not Accurate | No |
| 408073040 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3970 | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No |
| 408073040 | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073040 | Credit | Assets | Satisfied | C A | C A | CRDAST207 | Assets Are Unreasonable | No |
| 408073040 | Credit | Income/Employment | Satisfied | C A | C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073040 | Credit | Income/Employment | Waived | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073045 | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CRDATRQM3122 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a different status than the Lender's status determination. | No |
| 408073045 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408073045 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No |
| 408073045 | Credit | Terms/Guidelines | Waived | B | B | CRDTER113 | Loan amount is below guideline minimum | No |
| 408073045 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073046 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073050 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073050 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408073058 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073058 | Credit | Assets | Satisfied | C A | C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No |
| 408073058 | Credit | Terms/Guidelines | Waived | C B | C B | CRDTER3262 | Property issues indicated | No |
| 408073083 | Credit | Application | Satisfied | C A | C A | CRDAPP1813 | Undisclosed non-arm's length transaction | No |
| 408073083 | Credit | Income/Employment | Waived | B | B | CRDINC150 | Income docs do not meet guidelines | No |
| 408073088 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No |
| 408073088 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408073088 | Credit | Income/Employment | Waived | B | B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408073133 | Credit | LTV/CLTV | Waived | B | B | CRDLTV107 | LTV Exception 5% or Less | No |
| 408073138 | Credit | DTI | Satisfied | B A | B A | CRDDTI187 | Debt Ratio > 43% | No |
| 408073144 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073144 | Credit | Income/Employment | Satisfied | B A | B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073144 | Credit | Terms/Guidelines | Waived | B | B | CRDTER3490 | Missing Patriot Act form | No |
| 408073144 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073160 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073160 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408073160 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073160 | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 408073160 | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No |
| 408073162 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408073173 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073173 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3552 | TRID - Loan Estimate not timely | No |
| 408073173 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073173 | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408073174 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073174 | Credit | Credit/Mtg History | Satisfied | C A | C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No |
| 408073174 | Credit | Income/Employment | Satisfied | C A | C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073174 | Credit | LTV/CLTV | Waived | B | B | CRDLTV107 | LTV Exception 5% or Less | No |
| 408073174 | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408073176 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073176 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No |
| 408073182 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073182 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408073182 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073182 | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073182 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3204 | Income Documentation Missing | No |
| 408073207 | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No |
| 408073216 | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073216 | Credit | Income/Employment | Satisfied | B A | B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073216 | Credit | Income/Employment | Satisfied | C A | C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073216 | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER3490 | Missing Patriot Act form | No |
| 408073224 | Credit | Income/Employment | Satisfied | C A | C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073224 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073265 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073265 | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073265 | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408073265 | Property Valuations | Appraisal | Satisfied | C A | C A | PRVAAPPR171 | Subject Photos Unacceptable | No |
| 408073274 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073274 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408073274 | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No |
| 408073283 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073283 | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER146 | Missing lender's loan approval/underwriting form | No |
| 408073287 | Compliance | Texas Home Equity | Satisfied | C A | C A | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No |
| 408073305 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073318 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073318 | Credit | DTI | Satisfied | A | A | CRDDTI187 | Debt Ratio > 43% | No |
| 408073318 | Credit | Income/Employment | Waived | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073318 | Credit | Income/Employment | Waived | B | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073331 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073354 | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408073354 | Credit | Income/Employment | Satisfied | C A | C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073354 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | No |
| 408073354 | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408073357 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073357 | Credit | Income/Employment | Waived | B | B | CRDINC150 | Income docs do not meet guidelines | No |
| 408073363 | Compliance | RESPA | Waived | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No |
| 408073378 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073378 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073378 | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073378 | Credit | Legal Documents | Waived | D B | D B | CRDLGL100 | Legal document incorrect or incomplete | No |
| 408073378 | Credit | Terms/Guidelines | Waived | C B | C B | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408073378 | Credit | Title | Satisfied | C A | C A | CRDTIL100 | Potential title issue | No |
| 408073403 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408073403 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073410 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073410 | Credit | Assets | Satisfied | B A | B A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408073425 | Credit | Income/Employment | Satisfied | B A | B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073425 | Credit | Income/Employment | Satisfied | C A | C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073425 | Property Valuations | FEMA | Satisfied | B A | B A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No |
| 408073429 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073433 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073442 |  |  |  |  |  |  |  |  |
| 408073444 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073444 | Credit | DTI | Satisfied | A | A | CRDDTI187 | Debt Ratio > 43% | No |
| 408073451 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073451 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073452 | Credit | Terms/Guidelines | Satisfied | B A | B A | CRDTER3490 | Missing Patriot Act form | No |
| 408073452 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073455 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408073455 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408073455 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408073459 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073459 | Credit | DTI | Satisfied | A | A | CRDDTI187 | Debt Ratio > 43% | No |
| 408073470 |  |  |  |  |  |  |  |  |
| 408073473 |  |  |  |  |  |  |  |  |
| 408073475 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408073475 | Credit | DTI | Satisfied | C A | C A | CRDDTI187 | Debt Ratio > 43% | No |
| 408073475 | Credit | Income/Employment | Satisfied | C A | C A | CRDINC889 | Income is Not Reasonable | No |
| 408073475 | Credit | Income/Employment | Waived | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073475 | Credit | LTV/CLTV | Waived | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No |
| 408073475 | Credit | Title | Satisfied | C A | C A | CRDTIL100 | Potential title issue | No |
| 408073485 |  |  |  |  |  |  |  |  |
| 408073488 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073488 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073488 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073488 | Credit | Income/Employment | Satisfied | C A | C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073488 | Credit | Insurance | Satisfied | C A | C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No |
| 408073488 | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408073490 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073490 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073499 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073499 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408073499 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408073504 |  |  |  |  |  |  |  |  |
| 408073519 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073519 | Credit | DTI | Satisfied | A | A | CRDDTI187 | Debt Ratio > 43% | No |
| 408073525 | Compliance | Finance Charge Tolerance | Satisfied | C B | C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No |
| 408073525 | Compliance | Finance Charge Tolerance | Satisfied | C B | C B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than XXX's calculated Amount Financed | No |
| 408073525 | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408073525 | Credit | Income/Employment | Satisfied | C A | C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073525 | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No |
| 408073530 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073535 | Credit | Credit/Mtg History | Satisfied | B A | B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No |
| 408073535 | Credit | Income/Employment | Satisfied | B A | B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073535 | Property Valuations | Appraisal | Satisfied | A | A | PRVAAPPR175 | Missing Review Appraisal required per guidelines | No |
| 408073535 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073563 | Credit | Assets | Satisfied | C A | C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No |
| 408073563 | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408073563 | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 408073567 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073567 | Credit | DTI | Waived | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No |
| 408073567 | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3204 | Income Documentation Missing | No |
| 408073567 | Credit | Income/Employment | Waived | B | B | CRDINC150 | Income docs do not meet guidelines | No |
| 408073567 | Credit | Income/Employment | Waived | B | B | CRDINC2408 | Income verification does not meet guidelines | No |
| 408073567 | Property Valuations | Appraisal | Satisfied | C A | C A | PRVAAPPR171 | Subject Photos Unacceptable | No |
| 408073581 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073581 | Credit | Income/Employment | Satisfied | B A | B A | CRDINC2408 | Income verification does not meet guidelines | No |
| 408073581 | Credit | Income/Employment | Waived | B | B | CRDINC150 | Income docs do not meet guidelines | No |
| 408073597 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073597 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No |
| 408073597 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No |
| 408073602 | Compliance | Ability to Repay/Qualified Mortgage | Waived | B | B | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | No |
| 408073602 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408073602 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No |
| 408073606 |  |  |  |  |  |  |  |  |
| 408073609 |  |  |  |  |  |  |  |  |
| 408073621 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073621 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073626 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073626 | Credit | Assets | Waived | B | B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No |
| 408073627 | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No |
| 408073627 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073634 | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No |
| 408073638 | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No |
| 408073638 | Compliance | Texas Home Equity | Satisfied | C A | C A | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No |
| 408073638 | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073638 | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No |
| 408073638 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073664 | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408073675 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073675 | Credit | Credit/Mtg History | Waived | C B | C B | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No |
| 408073675 | Credit | DTI | Satisfied | A | A | CRDDTI187 | Debt Ratio > 43% | No |
| 408073675 | Credit | Income/Employment | Waived | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No |
| 408073692 |  |  |  |  |  |  |  |  |
| 408073729 |  |  |  |  |  |  |  |  |
| 408073731 | Credit | Ability to Repay/Qualified Mortgage | Satisfied | B A | B A | CRDATRQM3122 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a different status than the Lender's status determination. | No |
| 408073731 | Credit | Income/Employment | Waived | D B | D B | CRDINC3204 | Income Documentation Missing | No |
| 408073737 | Compliance | Compliance Manual | Satisfied | C A | C A | CMPMAN2990 | 1003 - Final Application is not Accurate | No |
| 408073737 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073737 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No |
| 408073737 | Credit | Assets | Satisfied | C A | C A | CRDAST205 | Insufficient Funds to Close | No |
| 408073737 | Credit | DTI | Satisfied | A | A | CRDDTI187 | Debt Ratio > 43% | No |
| 408073737 | Credit | Income/Employment | Satisfied | B A | B A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No |
| 408073738 | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CRDATRQM3122 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a different status than the Lender's status determination. | No |
| 408073738 | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073738 | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No |
| 408073738 | Credit | Terms/Guidelines | Waived | B | B | CRDTER110 | Loan amount exceeds guideline maximum | No |
| 408073739 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No |
| 408073739 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No |
| 408073747 | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No |
| 408073747 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No |
| 408073747 | Credit | Assets | Satisfied | B A | B A | CRDAST205 | Insufficient Funds to Close | No |
| 408073747 | Credit | Assets | Satisfied | D A | D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No |
| 408073747 | Credit | DTI | Satisfied | B A | B A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 408073784 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408073784 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073784 | Credit | Assets | Satisfied | B A | B A | CRDAST205 | Insufficient Funds to Close | No |
| 408073784 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |
| 408073830 | Credit | Application | Satisfied | C A | C A | CRDAPP131 | Occupancy status not supported by file documentation | No |
| 408073830 | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No |
| 408073830 | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No |
| 408073830 | Credit | Legal Documents | Satisfied | C A | C A | CRDLGL852 | Vesting does not agree with Mortgage | No |
| 408073830 | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No |
| 408073830 | Credit | Title | Satisfied | C A | C A | CRDTIL875 | Title Does Not Agree With Mortgage | No |
| 408073830 | Property Valuations | Property | Satisfied | C A | C A | PRVAPROP177 | Property Issues Indicated | No |
| 408073837 | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No |
| 408073837 | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No |
| 408073837 | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 10000019297 | The file contains only 2 TILS, the initial TIL dated XXX with an APR of XXX and the final TIL dated XXX with an APR of XXX% which is an increase of .XXX. Lender should have provided a corrected TIL prior to the final TIL. | On XXX XXX provided corrected TIL dated XXX | Condition satisfied | (No Data) | (No Data) | CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Time on job = XXX years<br>CFCFS1736: Time at residence 5 years or more<br> - XXX Comments: Time at residence = XXX years<br>CFCFS1741: Credit score exceeds guidelines by 20 points or more<br> - XXX Comments: Minimum fico is XXX; subject fico is XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves = $XXX or XXX months PITI reserves. |
| 10000019302 | Lender to provide Mortgage/ Note information for new mortgage for primary residence which just closed with same lender. Need correct PITI information. Used the PITI info reported on the final 1003 for loan review purposes. | On XXX XXX provided copy of Note and Mortgage from refinance. | Condition satisfied | (No Data) | (No Data) | CFCFS1736: Time at residence 5 years or more<br> - XXX Comments: Time at residence = XXX years<br>CFCFS1741: Credit score exceeds guidelines by 20 points or more<br> - XXX Comments: Minimum fico is XXX; subduct fico is XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves of $XXX or XXX months |
| 12XXXXXX93 | XXX FICO is less than minimum XXX FICO required by guidelines. Exception was approved via Lender's email chain. File does not contain formal executive committee sign-off approval form. | 12/05/2012 - Received waiver from XXX accepting credit score below minimum required program/grade | After further review of compensating factors: XXX% CLTV, 0xXXX mortgage history for XXX months, $XXX (XXX months) reserves and monthly residual income of $XXX for a family of 2. XXX Final Grade B. | (No Data) | (No Data) | CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: PITI in reserves $XXX or XXX months.<br>CFCFS1735: Co-Borrower time on job 5 years or more<br> - XXX Comments: Borrower has been employed for XXX years as a XXX. |
| 12XXXXXX93 | Missing subordination agreement for 2nd lien through XXX for $XXX | 09/05/2012 - Received copy of subordination agreement | 09/06/2012 - Reviewed copy of subordination agreement from XXX dated XXX. Exception satisfied. XXX Final Grade A. | (No Data) | (No Data) | CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: PITI in reserves $XXX or XXX months.<br>CFCFS1735: Co-Borrower time on job 5 years or more<br> - XXX Comments: Borrower has been employed for XXX years as a XXX. |
| 12XXXXXX57 | Lender to provide an initial TIL dated XXX | 10/19/12: Client provided an initial TIL dated XXX | Condition satisfied. XXX grade level A. | (No Data) | (No Data) | CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: Verified reserves XXX months exceed guideline required XXX PITI.<br>CFCFS1744: Debt ratio is 5% or more below grade limit (verified income)<br> - XXX Comments: DTI XXX % below guideline allowed XXX% |
| 12XXXXXX57 | Application date XXX. Lender to provide corresponding GFE within XXX days of application date. | (No Data) | 11/13/12 - Provide GFE dated XXX condition satisfied. | (No Data) | (No Data) | CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: Verified reserves XXX months exceed guideline required XXX PITI.<br>CFCFS1744: Debt ratio is 5% or more below grade limit (verified income)<br> - XXX Comments: DTI XXX % below guideline allowed XXX% |
| 12XXXXXX57 | Lender to provide additional statement for XXX IRA accounts XXX& XX; XXX statement in file. | (No Data) | On 10/26/12:Client provided an explanation that lender did not obtain a second Fidelity Statement. Removed XXX account from assets. Total assets verified XXX months. Condition satisfied. XXX grade level A. | (No Data) | (No Data) | CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: Verified reserves XXX months exceed guideline required XXX PITI.<br>CFCFS1744: Debt ratio is 5% or more below grade limit (verified income)<br> - XXX Comments: DTI XXX % below guideline allowed XXX% |
| 12XXXXXX57 | Qualifying score XXX, does not meet guideline required XXX. | 10/19/12: Client provided XXX in-house approval for XXX credit score rather than XXX. Exception signed off by a Tier III staff member per lender's written policy12/05/2012 - XXX waiver received accepting Credit score below minimum required by guidelines | XXX Final Grade B. Credit Score influenced by medical collection. Additional compensating factors include:XXX months verified PITI reserves and XXX% DTI with program max of XXX%. | (No Data) | (No Data) | CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: Verified reserves XXX months exceed guideline required XXX PITI.<br>CFCFS1744: Debt ratio is 5% or more below grade limit (verified income)<br> - XXX Comments: DTI XXX % below guideline allowed XXX% |
| 12XXXXXX67 |  |  |  |  |  | CFCFS1737: LTV 5% or more below grade limit<br> - XXX Comments: LTV is at XXX%, max for the program is XXX%, the borrower's are XXX% below guidelines.<br>CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: Cash reserves XXX months of PITI<br>CFCFS1735: Co-Borrower time on job 5 years or more<br> - XXX Comments: Co-Borrower has been employed with XXX as a XXX for XXX years. |
| 12XXXXXX58 | Copy of Required ARM Loan Program Disclosure not in file; Lender to provide copy of Required ARM Loan Program Disclosure provided to borrower. | Received ARM Disclosure | Condition Satisfied | (No Data) | (No Data) | CFCFS1741: Qualifying score 20 points or more above minimum for grade<br> - XXX Comments: XXX representative score with program minimum of XXX.<br>CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: XXX months PITI reserves verified.<br>CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower employed as XXX with XXX. for last XXX years. |
| 12XXXXXX58 | Lender application date:XXX; Missing Initial TIL dated XXX copy not in file. | (No Data) | 10/30/12 client provided early TIL; exception has been satisfied. | (No Data) | (No Data) | CFCFS1741: Qualifying score 20 points or more above minimum for grade<br> - XXX Comments: XXX representative score with program minimum of XXX.<br>CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: XXX months PITI reserves verified.<br>CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower employed as XXX with XXX. for last XXX years. |
| 12XXXXXX58 | If for an ARM the maximum interest rate during the first XXX years is the same as the starting interest rate, then XXX will look for the first payment date as the Date disclosed in the Maximum during First Five Years column; however, if the lender uses an alternative date, such as the transaction or funding date or even the servicing look-back date from the first payment, the grade will be a level 2/B. | On XXX XXX waived this requirement | (No Data) | (No Data) | (No Data) | CFCFS1741: Qualifying score 20 points or more above minimum for grade<br> - XXX Comments: XXX representative score with program minimum of XXX.<br>CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: XXX months PITI reserves verified.<br>CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower employed as XXX with XXX. for last XXX years. |
| 12XXXXXX58 | Initial GFE provided to borrower not in file; Lender to provide copy Initial GFE provided to borrower within XXX business days of Application date of XXX | (No Data) | 10/30/12 client provided GFE dated XXX; exception has been satisfied. | (No Data) | (No Data) | CFCFS1741: Qualifying score 20 points or more above minimum for grade<br> - XXX Comments: XXX representative score with program minimum of XXX.<br>CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: XXX months PITI reserves verified.<br>CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower employed as XXX with XXX. for last XXX years. |
| 12XXXXXX58 | Borrower currently has 5 financed properties; Exceeds limit the amount of total financing to one qualified borrower(s) to the lesser of the maximum of $XXX in total mortgages or 4 financed properties is 4. | 10/23/2012 Client Provided Exception from UW for 5 financed properties | XXX re-review noted the following compensating factors: XXX years on job as a medical anesthesiologist, XXX qualifying fico with program minimum of XXX, and $XXX in residual monthly income. XXX Final Grade B. | (No Data) | (No Data) | CFCFS1741: Qualifying score 20 points or more above minimum for grade<br> - XXX Comments: XXX representative score with program minimum of XXX.<br>CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: XXX months PITI reserves verified.<br>CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower employed as XXX with XXX. for last XXX years. |
| 15XXXXXX06 | Client to provide CPA letter for recent business license for evidence of XXX for co borrower. | (No Data) | 10/19/2012 Client Provided Licensee Information, currently active XXX - XXX | (No Data) | (No Data) | CFCFS1744: Debt ratio is 5% or more below grade limit (verified income)<br> - XXX Comments: Max DTI is XXX%, borrowers DTI is XXX%<br>CFCFS1737: LTV 5% or more below grade limit<br> - XXX Comments: Max LTV is XXX%, subject loan LTV is XXX%<br>CFCFS1741: Qualifying score 20 points or more above minimum for grade<br> - XXX Comments: Minimum credit score is XXX, borrowers credit score is XXX |
| 15XXXXXX06 | Missing Completion of cleared CRR report from ART team, per guidelines. | 09/04/2012 - Received copy of 2nd appraisal | 09/05/2012 - Reviewed copy of 2nd appraisal dated XXX Value of $XXX used to calculate LTV. Issue satisfied. XXX final grade A. | (No Data) | (No Data) | CFCFS1744: Debt ratio is 5% or more below grade limit (verified income)<br> - XXX Comments: Max DTI is XXX%, borrowers DTI is XXX%<br>CFCFS1737: LTV 5% or more below grade limit<br> - XXX Comments: Max LTV is XXX%, subject loan LTV is XXX%<br>CFCFS1741: Qualifying score 20 points or more above minimum for grade<br> - XXX Comments: Minimum credit score is XXX, borrowers credit score is XXX |
| 15XXXXXX06 | CDA reports a variance of XXX% to appraisal value of $XXX, therefore, a field review has been ordered by XXX. | 09/07/2012 Received copy of field review | 09/07/2012 Reviewed copy of field review. Per field review the opinion of the market value is supported and accurate. The XXX final grade = A. | (No Data) | (No Data) | CFCFS1744: Debt ratio is 5% or more below grade limit (verified income)<br> - XXX Comments: Max DTI is XXX%, borrowers DTI is XXX%<br>CFCFS1737: LTV 5% or more below grade limit<br> - XXX Comments: Max LTV is XXX%, subject loan LTV is XXX%<br>CFCFS1741: Qualifying score 20 points or more above minimum for grade<br> - XXX Comments: Minimum credit score is XXX, borrowers credit score is XXX |
| 15XXXXXX09 | Initial GFE dated XXX, redisclosed GFE dated XXX indicates settlement charges good through XXX. Settlement charge estimate not available for XXX business days | On XXX XXX waived this exception | (No Data) | (No Data) | (No Data) | CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: PITI in reserves XXX months or $XXX in cash.<br>CFCFS1735: Co-Borrower time on job 5 years or more<br> - XXX Comments: Borrower has been employed for XXX years at XXX<br>CFCFS1744: Debt ratio is 5% or more below grade limit (verified income)<br> - XXX Comments: Borrowers DTI is at XXX.<br>CFCFS1737: LTV 5% or more below grade limit<br> - XXX Comments: 50.93 LTV < 80% guideline max |
| 15XXXXXX10 | Subject property is on XXXX acres. Max allowed by XXX retail guidelines is 10 acres. | 09/18/2012 - Received copy of lender's written exception. On XXX XXX waived this exception | 09/19/2012 - XXX final grade B based on subject is rate/term refi for borrower who has owned and occupied the subject property for XXX years. | (No Data) | (No Data) | CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: PITI in Reserves XXX Months Calculated $XXX in cash. Used more assets than UW, used XXX% of 401K instead of 60%.<br>CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower has been employed for XXX years at XXX<br>CFCFS1739: Mortgage payment history 0x30 for 24 months or more<br> - XXX Comments: Mortgage payment history has been more than 0 x 30 for XXX months. |
| 15XXXXXX10 | GFE in file Date XXX, estimate good thru XXX Settlement charge estimate not available for XXX business days. | On XXX XXX waived this exception | (No Data) | (No Data) | (No Data) | CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: PITI in Reserves XXX Months Calculated $XXX in cash. Used more assets than UW, used XXX% of 401K instead of 60%.<br>CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower has been employed for XXX years at XXX<br>CFCFS1739: Mortgage payment history 0x30 for 24 months or more<br> - XXX Comments: Mortgage payment history has been more than 0 x 30 for XXX months. |
| 15XXXXXX10 | Missing XXX Years Executed IRS Transcripts in file. | 09/18/2012 - Copy of tax transcripts provided | 09/19/2012 - Reviewed copy of tax transcripts. Tax years XXX and XXX provided meeting the XXX year guideline requirement. XXX final grade A. | (No Data) | (No Data) | CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: PITI in Reserves XXX Months Calculated $XXX in cash. Used more assets than UW, used XXX% of 401K instead of 60%.<br>CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower has been employed for XXX years at XXX<br>CFCFS1739: Mortgage payment history 0x30 for 24 months or more<br> - XXX Comments: Mortgage payment history has been more than 0 x 30 for XXX months. |
| 15XXXXXX10 | Missing Co- Borrowers XXX W2. Missing IRS Transcripts for XXX years. | Client Provided Co-Borrowers XXX W2. Still missing IRS Transcripts for XXX years. Provided XXX and XXX tax transcripts. | Satisfied | (No Data) | (No Data) | CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: PITI in Reserves XXX Months Calculated $XXX in cash. Used more assets than UW, used XXX% of 401K instead of 60%.<br>CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower has been employed for XXX years at XXX<br>CFCFS1739: Mortgage payment history 0x30 for 24 months or more<br> - XXX Comments: Mortgage payment history has been more than 0 x 30 for XXX months. |
| 15XXXXXX96 | Potential title Issue due to title Commitment shows 2nd lien Multiple Indebtedness lien on title for $XXX; 2nd lien HELOC in file does not evidence actual loan amount. Lender to provide final title commitment showing subject loan in amount of $XXXX is in first lien position and free and clear of any/or all 2nd liens indebtness. | 10/19/2012: Client provided title showing subject loan in amount of $XXX is in first lien position and no other lien stated. | 10/19/2012: Client provided title showing subject loan in amount of $XXX I in first lien position and no other lien stated. Condition satisfied. XXX grade level A. | (No Data) | (No Data) | CFCFS1744: Debt ratio is 5% or more below grade limit (verified income)<br> - XXX Comments: Actual DTI XXX%; Max allowed XXX%.<br>CFCFS1737: LTV 5% or more below grade limit<br> - XXX Comments: Actual LTV XXX%; Max allowed XXX%.<br>CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: Assets verified: $XXX or XXX Months PITI Reserves. |
| 15XXXXXX96 | Guidelines require no draws in last XXX months for unseasoned second mortgage payoffs. Borrower had a withdrawal in the last XXX months. XXX final Grade B due to the following comp factors- low DTI of XXX%, low LTV at XXX% and XXX+ months PITI reserves | On XXX the client waived this requirement | (No Data) | (No Data) | (No Data) | CFCFS1744: Debt ratio is 5% or more below grade limit (verified income)<br> - XXX Comments: Actual DTI XXX%; Max allowed XXX%.<br>CFCFS1737: LTV 5% or more below grade limit<br> - XXX Comments: Actual LTV XXX%; Max allowed XXX%.<br>CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: Assets verified: $XXX or XXX Months PITI Reserves. |
| 15XXXXXX96 | Appraisal reported a value of XXX. CDA reported a value of XXX with a variance of XXX%, therefore, XXX ordered a Field Review. | (No Data) | 10.22.12 Field review received. Supports the original appraised value of XXX. | (No Data) | (No Data) | CFCFS1744: Debt ratio is 5% or more below grade limit (verified income)<br> - XXX Comments: Actual DTI XXX%; Max allowed XXX%.<br>CFCFS1737: LTV 5% or more below grade limit<br> - XXX Comments: Actual LTV XXX%; Max allowed XXX%.<br>CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: Assets verified: $XXX or XXX Months PITI Reserves. |
| 15XXXXXX11 | Provide Proof of PITI on Property located at XXX. Current payment being used is $XXX if the payment is greater re-run to correct the DTI. | 10/24/2012 - Received the credit report that reflects the payment on the property (Chase is the Lender) as $XXX. Client provided proof of taxes $XXX/12 =$XXX. | 10/20/2012 - Client to provide statement to prove taxes and insurance are included. 10/24/2012 - Reviewed credit report, XXX cannot validate that credit report amount includes Taxes and Insurance. Review of file shows loan was approved at XXX% DTI with $XXX in residual income which is sufficient to cover any Taxes and Insurance that was not included. Borrower has XXX months reserves and a XXX qualifying fico score. XXX final grade A.10/24: Missing property insurance information. XXX grade level B. | (No Data) | (No Data) | CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: Verified cash reserves for XXX months or $XXX.<br>CFCFS1741: Qualifying score 20 points or more above minimum for grade<br> - XXX Comments: Qualifying score XXX, exceeds guideline required at XXX.<br>CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower has been employed with Align Network as CTO for XXX years. |
| 15XXXXXX38 |  |  |  |  |  | CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower has XXX years on the job<br>CFCFS1742: Consumer credit history is better than grade requires<br> - XXX Comments: Borrower has a XXX score. Required score is XXX<br>CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: Cash reserves are XXX PITI<br>CFCFS1737: LTV 5% or more below grade limit<br> - XXX Comments: XXX LTV < XXX% guideline max |
| 15XXXXXX29 | Need two years IRS transcripts; XXX returned "no record on file". Provide XXX IRS transcripts. | 10/12/2012 - The UW waived the second year returns as XXX did not return. UW received the XXX extension. Per Loan Analysis comments UW used XXX only as XXX did not return. The XXX 4506 is being requested internally. T Note - XXX earnings are $XXX a month higher than the XXX utilized so no concern with declining income On XXX XXX waived this condition 10/2 borrower signature is out of regulatory date range per rejection from rapid reporting > XXX days old. No 4506 to be ordered. Please see notes to conservative income approach. | 10/12/2012 - Reviewed seller's response, missing IRS tax transcript can not be obtained. XXX calculated a lower DTI due to the lender's conservative income approach. The following compensating factors exist: Borrower is a XXX with XXX years on his current job, XXX months PITI reserves, XXX payment shock as well as XXX% DTI based on income documentation in file. Final grade B. | (No Data) | (No Data) | CFCFS1731: Verified cash reserves greater than 3 months PITI<br> - XXX Comments: PITI in reserves XXX months or $XXX in cash.<br>CFCFS1736: Time at residence 5 years or more<br> - XXX Comments: Borrowers have been in home for XXX years.<br>CFCFS1739: Mortgage payment history 0x30 for 24 months or more<br> - XXX Comments: Borrowers payment history has been 0 x 30 for more than XXX months. |
| 15XXXXXX91 |  |  |  |  |  | CFCFS1744: Debt ratio is 5% or more below grade limit (verified income)<br> - XXX Comments: Actual DTI XXX; Max allowed XXX%.<br>CFCFS1748: Borrower(s) have meaningful disposable income (verified)<br> - XXX Comments: Borrower disposable income $XXX for a family of 5 persons. |
| 15XXXXXX66 | Insurance Effective Date: XXX Settlement Closing Date: XXX - Lender to provide evidence of sufficient Hazard coverage from XXX until effective date of XXX. | 09/18/2012 - Copy of Hazard Insurance Binder provided | 10/03/2012 - Reviewed copy of hazard insurance policy showing effective dates from XXX to XXX. Insurance coverage in place at time of closing. Exception satisfied. XXX final grade A. | (No Data) | (No Data) | CFCFS1739: Mortgage payment history 0x30 for 24 months or more<br> - XXX Comments: Mortgage payment history XXX per credit report.<br>CFCFS1744: Debt ratio is 5% or more below grade limit (verified income)<br> - XXX Comments: Actual DTI XXX; Max allowed XXX%. |
| 15XXXXXX60 | Loan does not meet guidelines, cash out refinances are not eligible. Borrowers are receiving $XXX cash back on HUD. Per XXX TPO guidelines, rate term refis are limited to XXX% or $XXX. Lender's written exception approval not in file. | 10/2/2012 - Copy of HUD1 sent again with explanation, We do agree that the HUD 1 does show the borrower receiving back $XXX. However on page 2 of the HUD the borrower paid outside of closing $XXX for appraisal fee(s). Technically the borrower was reimbursed for a fee | 10/05/2012 - Reviewed seller's rebuttal. Exceptions satisfied. Underwriter did not take into consideration the POC fee of $XXX for appraisal. The amount of cash to borrower would have been $XXX less the appraisal fee. XXX final Grade A. | (No Data) | (No Data) | (No Data) |
| 15XXXXXX60 | Prelim title is vested in XXX Provide final title showing property is vested in borrowers name. | 09/14/2012 - Copy of Title Policy provided | 09/18/2012 - Reviewed copy of title policy dated XXX. Copy of title provided shows Title is vested in: XXX and XXX, XXX as joints tenants. Exception satisfied. XXX final grade A. | (No Data) | (No Data) | (No Data) |
| 17XXXXXX51 | Missing Early TIL Dated XXX | (No Data) | Early TIL Provided dated XXX | (No Data) | (No Data) | CFCFS1752: No Verified Compensating Factors<br> - XXX Comments: No verified Compensating Factors at this time, missing documentation from the file. |
| 17XXXXXX51 | If for an ARM the maximum interest rate during the first XXX years is the same as the starting interest rate, then XXX will look for the first payment date as the Date disclosed in the Maximum during XXX Years column; however, if the lender uses an alternative date, such as the transaction or funding date or even the servicing look-back date from the first payment, the grade will be a level 2/B. | On XXX XXX waived this exception | (No Data) | (No Data) | (No Data) | CFCFS1752: No Verified Compensating Factors<br> - XXX Comments: No verified Compensating Factors at this time, missing documentation from the file. |
| 17XXXXXX51 | Arm Loan Program Disclosure form signed on XXX. Application date XXX. | On XXX XXX waived this exception | (No Data) | (No Data) | (No Data) | CFCFS1752: No Verified Compensating Factors<br> - XXX Comments: No verified Compensating Factors at this time, missing documentation from the file. |
| 17XXXXXX51 | Missing XXX months asset statements for all accounts on 1003 | (No Data) | 10/23/2012 Client Provided Asset Statements on XXX. Client sent over updated Asset Docs for file. Condition Cleared. | (No Data) | (No Data) | CFCFS1752: No Verified Compensating Factors<br> - XXX Comments: No verified Compensating Factors at this time, missing documentation from the file. |
| 17XXXXXX51 | Missing XXX months asset statements for all accounts on 1003 | (No Data) | 10/23/2012 Client Provided Asset Statements on XXX Client sent over updated Asset Docs for file. Condition Cleared. | (No Data) | (No Data) | CFCFS1752: No Verified Compensating Factors<br> - XXX Comments: No verified Compensating Factors at this time, missing documentation from the file. |
| 17XXXXXX51 | Provide clear Disclosure of all REO Properties for Co-Borrowers. Provide disposition on Borrowers home at XXX Guideline allow a maximum of four financed properties for all occupancies per loan transaction. Per REO there are Four properties financed, two appear on the Credit Report. | (No Data) | 9-30-2011/ REO for Co-Borrowers still missing.10/25/12: Client provided property detail report for XXX with sold date XXX. Missing Disclosure (PITI details) of all REO Properties listed on the loan application for Co-Borrowers .Condition not satisfied. XXX grade level C.10/30/2012 - Client provided updated 1003 for Co-Borrower, showing disclosure of PITI of all REP properties. XXX grade A. | (No Data) | (No Data) | CFCFS1752: No Verified Compensating Factors<br> - XXX Comments: No verified Compensating Factors at this time, missing documentation from the file. |
| 17XXXXXX51 | Missing most recent as well as 4506T from BORROWER. XXX years IRS Transcripts, 4506T in file has been signed by Both Co-Borrowers, 4506T missing from Borrower. | (No Data) | XXX & XXX IRS Transcripts provided for XXX. IRS XX Transcripts missing.10/19/2012Provided Transcripts for XXX. XXX not Needed.10/23/2012 Client provided IRS transcripts for XXX. Grade A | (No Data) | (No Data) | CFCFS1752: No Verified Compensating Factors<br> - XXX Comments: No verified Compensating Factors at this time, missing documentation from the file. |
| 17XXXXXX51 | Provide XXX years income documentation for all borrowers to support income found on 1003. File is missing all income documentation | (No Data) | XXX & XXX w2's provided for XXX. XXX/ XXX Transcripts still missing.10/19/2012 Client provided IRS Transcripts for XXX and XXX for XXX10/23/2012 Client provided Income Documents on Co-Borrower 1040s, IRS Transcripts XXX and XXX | (No Data) | (No Data) | CFCFS1752: No Verified Compensating Factors<br> - XXX Comments: No verified Compensating Factors at this time, missing documentation from the file. |
| 17XXXXXX51 | Missing Flood Certification. | (No Data) | Flood Cert provided; Zone X, Outside flood zone | (No Data) | (No Data) | CFCFS1752: No Verified Compensating Factors<br> - XXX Comments: No verified Compensating Factors at this time, missing documentation from the file. |
| 17XXXXXX51 | Stip for Hazard Insurance Policy. | (No Data) | Hazard Ins. provided eff XXX | (No Data) | (No Data) | CFCFS1752: No Verified Compensating Factors<br> - XXX Comments: No verified Compensating Factors at this time, missing documentation from the file. |
| 17XXXXXX16 | Provide asset documentation; no asset docs in file. | All assets on 1003 provided by XXX | Condition satisfied | (No Data) | (No Data) | CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower has on his job for XXX years.<br>CFCFS1736: Time at residence 5 years or more<br> - XXX Comments: The borrowers have lived at their current residence/subject for XXX years.<br>CFCFS1746: Housing expense reduced by 20% or more<br> - XXX Comments: The borrowers housing payment went from $XXX to $XXX a month. |
| 17XXXXXX16 | Credit report is missing, provide origination credit report. | (No Data) | On XXX, Client provided credit report dated XXX Condition Satisfied. XXX final grade level A. | (No Data) | (No Data) | CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower has on his job for XXX years.<br>CFCFS1736: Time at residence 5 years or more<br> - XXX Comments: The borrowers have lived at their current residence/subject for XXX years.<br>CFCFS1746: Housing expense reduced by 20% or more<br> - XXX Comments: The borrowers housing payment went from $XXX to $XXX a month. |
| 17XXXXXX16 | Provide min XXX months IRS transcripts, no IRS transcripts in file. | (No Data) | On XXX , Client provided a complete XXX years tax transcripts. Condition Satisfied. XXX final grade level A. | (No Data) | (No Data) | CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower has on his job for XXX years.<br>CFCFS1736: Time at residence 5 years or more<br> - XXX Comments: The borrowers have lived at their current residence/subject for XXX years.<br>CFCFS1746: Housing expense reduced by 20% or more<br> - XXX Comments: The borrowers housing payment went from $XXX to $XXX a month. |
| 17XXXXXX16 | Provide Flood Cert; flood cert not in file. | (No Data) | On XXX, Client provided Flood Cert. Condition Satisfied. XXX final grade level A. | (No Data) | (No Data) | CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower has on his job for XXX years.<br>CFCFS1736: Time at residence 5 years or more<br> - XXX Comments: The borrowers have lived at their current residence/subject for XXX years.<br>CFCFS1746: Housing expense reduced by 20% or more<br> - XXX Comments: The borrowers housing payment went from $XXX to $XXX a month. |
| 17XXXXXX16 | HOI is missing; provide evidence of HOI on subject property | (No Data) | On XXX2, Client provided evidence of Hazard Policy for subject property. Condition Satisfied. XXX final grade level A. | (No Data) | (No Data) | CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower has on his job for XXX years.<br>CFCFS1736: Time at residence 5 years or more<br> - XXX Comments: The borrowers have lived at their current residence/subject for XXX years.<br>CFCFS1746: Housing expense reduced by 20% or more<br> - XXX Comments: The borrowers housing payment went from $XXX to $XXX a month. |
| 17XXXXXX16 | XXX CLTV exceeds XXX% max allowed per XXX guidelines. Subordination agreement in file for 2nd lien of $XXX. | On XXX, client provided lender UW exception request form dated XXX,with an approval for CLTV to max XXX% | XXX final grade is a B due CLTV exception based borrowers payment with new loan is dropping from $XXX to $XXX(saving over $XXX/mo.), in home XXX years with perfect mortgage repay history and borrower on job XXX years | (No Data) | (No Data) | CFCFS1734: Borrower time on job 5 years or more<br> - XXX Comments: Borrower has on his job for XXX years.<br>CFCFS1736: Time at residence 5 years or more<br> - XXX Comments: The borrowers have lived at their current residence/subject for XXX years.<br>CFCFS1746: Housing expense reduced by 20% or more<br> - XXX Comments: The borrowers housing payment went from $XXX to $XXX a month. |
| 406045387 | Missing updated valuation. | 6.25.15 XXX received a Desk Review | 6.25.15 XXX received a Desk Review supporting the original Appraisal Value. Exception Satisfied. | (No Data) | (No Data) | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX cash reserves or XXX months PITI reserves. Guidelines require XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying score is xxx. Min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is XXX%. Max XXX%. |
| 408020904 | Written list of providers not compliant as disclosure verbiage does not include terms LE or GFE. | 10/26/18 Client provided approved waiver for non-compliant SPL. | XXX's Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: No adverse credit reporting on credit report.<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Borrower is lowering housing expense by $xxx or xxx%. |
| 408022102 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been with same employer for XXXyears.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in same profession for XXX years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been at current residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower's mid FICO score of XXX is XXX points higher than required XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Borrower's DTI of XXX% is XXX% less than required XXX%. |
| 408022120 | Missing acknowledgment of receipt of CD XXX days prior to consummation | 11.6.18 Lender response; Lender provided Disclosure tracking that shows initial CD dated XXX was acknowledged on XXX. XXX response; CD dated XXX was not delivered in original package to be reviewed please provide CD dated XXX. Exception Remains V and also supplied previously acknowledgement11.8.18 Lender provided CD dated XXX that it was signed by borrower on XXX | 11.7.18 Exception Remains11.9.18 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on job for over XXX years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been in home for XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX%. Max LTV is XXX% |
| 408022120 | The loan file is missing the master condo insurance policy. | 11.8.18 - Client provided Master Policy | 11.8.18 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on job for over XXX years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been in home for XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX%. Max LTV is XXX% |
| 408022120 | The loan file is missing EXECUTED evidence of the HELOC being paid and closed to future draws. | 11.8.18 - Client provided executed HELOC closure auth. | 11.8.18 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on job for over XXX years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been in home for XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX%. Max LTV is XXX% |
| 408022120 | Missing updated valuation to support original appraised value of $XXX. | 11.6.18- Form 1004D completion cert provided does not cure exception for value supported. 11/8/2018 Desk Review provided supports value with a XXX% variance. | 11.6.18- exception remains11/8/2018 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on job for over XXX years<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been in home for XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is XXX%. Max LTV is XXX% |
| 408022135 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score XXX. Minimum credit score required XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total $XX reserves required. Verified $xxx or XXX months reserves.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Verified XXX months satisfactory mortgage payment history. Only XXX months required |
| 408022137 | CD xxx Loan Disclosure section reflects Mortgage Insurance escrowed however loan does not require MI | 11.13.18 - Client responded. PCCD dated XXX was provided to correct error. | 11.13.18 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years with her current employer.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: CoBorrower has XXX years in his profession.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned their current address for XXX years and XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified Post close assets of $XXX/ piti $XXX=XXX months reserves. XXX months were required per guidelines. |
| 408022137 | Missing updated valuation to support original appraisal value of $XXX. | 11/6/2018 Desk Review provided supports value with a XXX% variance. | 11/6/2018 Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years with her current employer.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: CoBorrower has XXX years in his profession.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned their current address for XXX years and XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified Post close assets of $XXX/ piti $XXX=XXX months reserves. XXX months were required per guidelines. |
| 408022171 | Missing acknowledgment of receipt of CD XXX days prior to consummation | 11.6.18 Lender provided Disclosure tracking showing CD XXX was acknowledged on XXX | 11.7.18 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers resided in departure residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has XXX years in same profession and B2 has XXX years in same profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative FICO of XXX exceed guideline requirements of XXX by XXX points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves of $XXX or XXX months PITIA. |
| 408022171 | Missing 2017 IRS Transcripts. Approved exception from lender on verdict. IRS results for 2017 in file evidences "no record of return filed" and only 2016 tax transcript provided. Exception is non material as majority income is from W2 | 12/18/18 Client provided approved waiver for CRDINC2408. | XXX's Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers resided in departure residence for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has XXX years in same profession and B2 has XXX years in same profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative FICO of XXX exceed guideline requirements of XXX by XXX points.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves of $XXX or XXX months PITIA. |
| 408022174 |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: The borrowers have no derogatory items or public records.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score is XXX, Min requirement is XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower 1 has been in the same profession for XXX years. |
| 408022180 | Exception to allow gift funds from spouse as reserves was approved by XXX on . Per guidelines: Source of foreign assets used in the gift were reviewed with no XXX/XXX concerns or observations noted. Non material | 12/19 Client provided waived as gift funds were from spouse. | Final grade B. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX years in his profession.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI; max per guides XXX%. |
| 408022180 | Provide the XXX statement #XXX for XXX & verify that XXXis owned free & clear. | 11.26.18 - Client response - The 1003 is backwards: xxx has the mortgage and xxx is free and clear. Client provided copy of xxx statement which was a transfer of servicing from XXX. This is verified on the credit report. Client also provided evidence that XXX is owned free and clear. 11.26.18 - XXX has reviewed the submitted documentation. Exception satisfied. | 11.26.18 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX years in his profession.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI; max per guides XXX%. |
| 408022180 | The 2015 Tax transcripts are missing. Borrower did not realize that his automatic filing rejected. The CPA has taken care of filing the return, but transcripts were not yet available by the time the file closed. | 11.7.18 - Client response: (XXX) Underwriter outlined scenario within XXX that 2016 and 2017transcripts G/L has been met and acknowledges filing issue with 2015. 11.7.18 - XXX response: XXX month transcripts G/L has not been met as 2017 is on extension and 2015 has not been obtained. 11.15.18 - Client responded. Our guidelines do not require that we obtain the 2015 IRS Transcript in this scenario. Having the 2017 No Record found with the 2016 IRS Transcript meets our two year transcript requirement. 11.15.18 - Upon further XXX review guidelines only require XXX years tax transcripts and a No Record is considered acceptable. | 11.7.18 - Exception remains.11.15.18 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX years in his profession.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI; max per guides XXX%. |
| 408022186 | Missing updated valuation to support the appraised value of $ XXX | 11/12/2018 Desk Review provided supports value with a XXX% variance. | 11/12/2018 Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower in her profession for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative credit score XXX. Minimum credit score for this program is XXX.<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Borrower receives "other income" reflected on WVOE not used to qualify. |
| 408022206 | The loan officers name on the Note, Mortgage, and the 1003 is XXX. The NMLS database verified the loan officers name as XXX. The Reg-Z requirement is for the Originators name to match the NMLS website exactly. | 12/18 Client provided waiver approval | XXX initial and final grade B due to non material issue | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been with current employer since XXX, Years.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is XXX%, which is xxx% less than guideline max of V% |
| 408022206 | The required Affiliate Business Disclosure is missing. | 11.7.18 Lender response; Lender has no affiliates. | 11.8.18 Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been with current employer since XXX, Years.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is XXX%, which is xxx% less than guideline max of V% |
| 408022206 | Missing updated valuation to support original appraised value of $XXX. | 11/7/2018 Desk Review provided supports value with a XXX% variance. | 11/6/2018 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided in primary residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been with current employer since XXX, Years.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI is XXX%, which is xxx% less than guideline max of V% |
| 408022229 | Loan subject to Ability to Repay/Qualified Mortgage rule; XXX's status determination places loan in a riskier status than the Lender's status determination due to excessive fees and points Current fees and points xxx% | 11/14/18 Client provided the points and fees testing which reflects the total compensation to Broker was $xxx, which included the $xxx Origination Fee. Lender only paid an additional $xxx, for total of $xxx Broker compensation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score is xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: RESERVES None Required per DU Verified Post Closing Assets $xxx |
| 408022229 | Loan is a Non-QM loan with documented ATR UW factors; points and fees exceed client's xxx% guideline. Current fees and points xxx% | 11/14/18 Client provided the points and fees testing which reflects the total compensation to Broker was $xxx, which included the $xxx Origination Fee. Lender only paid an additional $xxx, for total of $xxx Broker compensation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score is xxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: RESERVES None Required per DU Verified Post Closing Assets $xxx |
| 408022281 | Initial xxx CD: The Home Warranty Fee in Section H is missing the optional designation. Corrected on the Final xxx CD. | (No Data) | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score xxx exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $xxx or xxx months |
| 408022281 | Missing executed Patriot Act form | 11/15 xxx provided approved waiver for missing patriot act | XXX initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score xxx exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $xxx or xxx months |
| 408022281 | Missing updated CDA valuation, DU Collateral score xxx | 11/15 Client provided valuation that supports value | condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score xxx exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $xxx or xxx months |
| 408022293 | Per the Evidentiary Document, the Final LE was received on xxx, which is the same date the initial CD xxx was received by borrowers. | 11/9 xxx provided approved waiver for final LE delivered to borrower as CD | XXX initial and final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Co-borrower has been in profession for xxx years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-borrower has been at current job for xxx years.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Co-borrower has maintained a lifetime 0 x 30 mortgage payment history. |
| 408022293 | Asset documentation for co-borrower's account with xxx are not complete. Provide a complete month bank statement for xxx with all pages in the statement. | 12/6 xxx provided waiver approval for missing pages of xxx statement. Post close reserves xxx months, DTI xxx%, credit score xxx, LTV xxx% | XXX final grade B. File contains the complete most recent statement for xxx(xxx). Missing pages of xxx statement do not impact integrity of documents. Pages 1 and 2 provided support difference between beginning and ending balance. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Co-borrower has been in profession for xxx years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-borrower has been at current job for xxx years.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Co-borrower has maintained a lifetime 0 x 30 mortgage payment history. |
| 408022323 | CD dated xxx [Last CD], Other Costs, Prepaids Property Taxes Amount, Value is: $xxx. Prepaids Property Taxes Number Of Months, Value is: xxx; Initial Escrow Property Taxes Amount Per Month, Value is: $xxx, x xxx equals $xxx, which is the amount of the property taxes included in the Initial Escrow Payment at Closing. 11/15/18 UPDATE: Final CD, Section F, reflects xxx months Property Taxes at $xxx. Section G shows monthly Property Taxes as $xxx per month, which calculates to $xxx for xxx months. Unable to determine the source for the $xxx total in Section F. | 11/20/18 Client provided a xxx PCCD correcting the Tax amount in Section F (supported by the tax refund to borrower at funding, located in file on pg. 88). Condition remains. Provide the LOE to borrower and proof of delivery for the xxx PCCD. 11/28 Client provided letter to borrower and evidence of delivery of post close CD | condition satisfied | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: xxx qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: xxx years at current job<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: xxx years at current residence |
| 408022638 | Provide HUD-1 from sale of property located at xxx reflecting mortgage with xxx paid in full and net proceeds of $xxx. Needed due to exclusion from DTI. | 12/13/18 Client provided Final Settlement statement for sale of exiting residence supporting xxx paid in full | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in profession for xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI below guideline requirement by more than xxx points.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Borrower has maintained a lifetime 0 x 30 mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $xxx or xxx months PITI |
| 408022638 | Provide HUD-1 from sale of property located at xxx reflecting mortgage with xxx paid in full and net proceeds of $xxx. | 12/13/18 Client provided T/C copy of Final Settlement statement for exiting residence reflecting xxx paid in full and net proceeds $xxx | Condition Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in profession for xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI below guideline requirement by more than xxx points.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Borrower has maintained a lifetime 0 x 30 mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $xxx or xxx months PITI |
| 408022638 | Co borrower social security number is inconsistent between 1003 and credit report dated xxx. No letter of explanation regarding discrepancy in loan file. Only comment regarding the repull of credit was due to expiration and did not address the co borrower social security number difference. Provide explanation and confirm which SSN belongs to the co borrower. | 12/13/18 Client provided xxx, Identity Report: supporting SSI on 1003, Patriot Act and credit re-pull | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in profession for xxx years.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI below guideline requirement by more than xxx points.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Borrower has maintained a lifetime 0 x 30 mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $xxx or xxx months PITI |
| 408064092 | Missing Covid 19 disclosure | 10.25.2021 Client provided executed by borrowers COVID-19 attestation with no known effect with employment, income etc. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX YRS VS XXX YRS<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months vs XXX months |
| 408064092 | List of homeowners counseling organizations dated XXX not provided w/in XXX days of application date of XXX | 9/22/21 Client provided approved exception for the List of homeowners counseling organizations not provided w/in 3 days of application. | Initial and final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX YRS VS XXX YRS<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months vs XXX months |
| 408064092 | The Seller CD includes additional loan costs that were not disclosed on the Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX YRS VS XXX YRS<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months vs XXX months |
| 408064092 | Initial Loan Estimated date XXX was not received timely, Application date XXX. | 10/19/21 Client provided the Initial XXX LE and e-consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX YRS VS XXX YRS<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months vs XXX months |
| 408064092 | Corrected CD should have been provided; APR is greater than APR XXX business days prior to closing by more than allowable tolerance.APR on XXX XXX%, and APR on XXX is XXX%Missing confirmation of receipt for revised CD XXX prior to final CD XXX | 10/19/21 Client provided the signed XXX CD and tracking, | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX YRS VS XXX YRS<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months vs XXX months |
| 408067379 | Per Documentation of Changed Circumstance XXX- A revised LE issued XXX was signed by the borrower. LE missing from the file. If applicable, provide missing LE for further testing. | 02/11/2022 Client provided missing LE XXX with rate lock agreement. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession XXX Years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at residence |
| 408067379 | 1. Missing VVOE for co borrower XXX to validate full two years employment for co borrower.2. Missing VVOE for XXX. W2 for year 2020 was provided however this job was not disclosed on 1003.3. Missing letter of explanation for gap of employment if one exist upon receiving VVOE's, and if any gaps > 30 days - refer to gap guidelines for required time on current job May be subject to additional conditions upon review | 2/11 Client provided a VOE for XXX and LOX for employment gap from XXX-XXX; XXX VOE is not needed as employment was only for 1 week and GAP condition would not be affected by the XXX job; Bwr has a job gap from XXX-XXX; Borrower is employed continually since XXX with no additional GAP | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession XXX Years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at residence |
| 408067379 | Missing two years most recent W2s for borrower, W2s provided are blank. | 2/11 Client provided 2 years 2019/2020 W2s | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession XXX Years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at residence |
| 408067379 | File is missing CDA | 2/11 Client provided a CDA supporting the appraised value with a XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession XXX Years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at residence |
| 408068568 |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408068650 | Assets used to calculate depletion income were also used for the Purchase with Borrower receiving cash back through delayed financing | 2/16 Client provided an approved exception to allow funds used for the Purchase up to the loan amount $XXX to be counted in assets used for depletion income ; Subject loan returned these funds through delayed financing | XXX final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV- XXX; Program max- XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qual score- XXX; Program min- XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 0x30 for XXX months |
| 408068650 | Lender used $XXX of retirement assets for depletion with the Borrower turning age XXX in XXX | 2/16 Client provided an approved exception to allow the file using $XXX of retirement assets for depletion income; | XXX final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV- XXX; Program max- XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qual score- XXX; Program min- XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 0x30 for XXX months |
| 408069598 | B1's employment history is less than the XXX consecutive years required per guideline. | 2/17 Client provided an Email; upon review File has the Borrowers LOX for the job gap, Evidence Borrower has returned to work, Prior year W2, and two years employment prior to the job gap is verified | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calc DTI- XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qual score- XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 0x30 for XXX months |
| 408069685 | NMLS ID XXX does not match Loan Originator name XXX as stated on the Final 1003. XXX NMLS ID is XXX. NMLS ID XXX | 3.8.2022 Client provided Lender updated final 1003 with NMLS ID #XXX for Loan originator name XXX however the correction should be: NMLS ID #XXX and XXX condition remains for corrected 1003 to reflect correct NMLS ID #'s 3.9.2022 Client provided updated 1003 with Loan originator name XXX but should be #XXX; condition remains for corrected 1003 w/removal of NMLS ID #XXX and placed with NMLS ID #XXX3.10.2022 Client provided updated corrected 1003 with NMLS ID #XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers has XXX at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX points above the XXX required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX allowed for the program. |
| 408069685 | Missing XXX years Tax Transcripts from IRS as required by guidelines. | 3/8 Client provided an Email; Condition remains for either XXX years IRS 1040 Tax transcripts or XXX years IRS W2 transcripts 3/10 Client provided approved exception for missing transcripts | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers has XXX at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX points above the XXX required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX allowed for the program. |
| 408069693 | Condition pending receipt of ROR & final ALTA statement reflecting the disbursement date. | XXX Client provided an Email from Lender with a screen shot of page 1 of the Final CD and 1 ROR. Provide copies of the signed ROR forms for all title holders.XXX Client provided the fully executed ROR forms for all title holders. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been employed with current employer for XXX years |
| 408069693 | ROR missing. | XXX Client provided an Email from Lender with a screen shot of page 1 of the Final CD and 1 ROR. Provide copies of the signed ROR forms for all title holders.XXX Client provided the fully executed ROR forms for all title holders. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been employed with current employer for XXX years |
| 408069693 | LEs XXX & XXX e-signed; e-consent missing. | XXX Client provided the XXX LE along with the Disclosure Tracking that show e-consent was accepted back on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been employed with current employer for XXX years |
| 408069693 | Lender used 2021 bonus when 2021 W2 Transcripts were not available. | Client provided an approved exception for using 2021 bonus income without 2021 W2 Transcripts | XXX's initial and final grade is B due to Reserves and Borrower's job stability | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been employed with current employer for XXX years |
| 408069970 | All Seller paid required fees not shown on final CD. Seller CD a matter of record. Exception satisfied. | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% is below guideline of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline of XXX%. |
| 408069970 | Missing gift letter executed by donor as required per guidelines. | 3.11.2022 Client provided executed gift letter in the amount of $XXX and these gift funds of $XXX reflected on subject CD received from donor/parents | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% is below guideline of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline of XXX%. |
| 408070034 | Provide VVOE for B1 dated within XXX business days prior to Note. VVOE in file is dated XXX Note date XXX | 3/28 Client provided approved exception for VOE not dated within guidelines | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408070034 | Provide documentation that XXX and subject property of XXX are the same property | 3/28 Client provided evidence that properties are the same | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408070039 | Missing initial CD. | 03/17/22 Client provided a CD issued on XXX, with e-signature by only the Non-Borrower on XXX. Condition remains. Provide the missing e-consent for the Non-Borrower, and provide evidence of delivery to the Primary Borrower on the loan.03/22/22 Client provided the Non-Borrower e-consent and signed copy of the Initial CD by the primary borrower. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years living in the same residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years working in the same line of work. |
| 408070039 | Missing initial CD. | 03/17/22 Client provided a CD issued on XXX, with e-signature by only the Non-Borrower on XXX. Condition remains. Provide the missing e-consent for the Non-Borrower, and provide evidence of delivery to the Primary Borrower on the loan.03/22/22 Client provided the Non-Borrower e-consent and signed copy of the Initial CD by the primary borrower. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years living in the same residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years working in the same line of work. |
| 408070039 | Zero percent tolerance fee of $XXX for increase in Lender Discount Points. Missing change of circumstance letter, initial CD, post close CD, LOX and evidence of refund to borrower with proof of delivery via shipping that includes tracking information. | 03/17/22 Client provided duplicate copies of the LE's and XXX COC. Condition remains. The additional increase in the Discount Points occurred on the Final XXX CD. No COC was provided for this increase. Provide the missing COC reflecting a valid reason for the Points increase, or provide the refund to borrower.03/22/22 Client provided a COC dated the same day as Closing, on XXX, reflecting a pricing adjustment via Points for the Acreage. Upon review by internal Compliance counsel, Condition remains. Reason for Change is not valid for the fee increased. Please provide additional clarification for review, or refund to borrower.04/12/22 Client provided the Email discussion history from XXX that explains the investor pricing adjustment for the acreage exception. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years living in the same residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years working in the same line of work. |
| 408070039 | Acreage in excess of program allowance. (max allowed XXX acres/subject isXXX). Note the land value is XXX% of total value. LTV has been adjusted down XXX% per program guidelines. Comp Factors: Br's is consolidating debt, paying off approx. $ XXX in other debt (4 install loans and 1 small revolving debt). | 3/14 Client changed to program to choice QM; Max acreage is still XXX; condition remains 3/14 Client provided an approved exception to allow the file with XXX Acres and LTV max XXX | XXX final grade is B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years living in the same residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years working in the same line of work. |
| 408070507 | Missing documents to support the Asset/Credit listed on the 1003 for Employer Assistance in the amount of $XXX. | 3/28 Client provided copy of gift deposit and gift letter and same bank statements as located in the original file, still missing evidence of Credit/Asset listed on the 1003 for Employer Assistance in the amount of $XXX 4/4 Client provided XXX Bank statement date XXX with wire in from XXX $XXX, condition remains 4.5.2022 Client provided XXX Bank #XXX XXX with a credit of $XXX on XXX and a wire out of $XXX(cash to close) on XXX; condition remains (1). to verify this $XXX is part of the $XXX Employer Assistance (as stated on the 1003) and (2). provide terms of this employer assistance w/XXX (3). clarification is needed is employer assistance $XXX or $XXX; only $XXX verified as being received, if employer assistance is $XXX than reserves will be effected, currently DD is using $XXX vs $XXX (4). current reserves are XXX months with using $XXX Employer assistance in which is short of the reserves requirement for transaction. 4.8.2022 Client provided copy of unsigned compensation advancement and appears the amount is $XXX not $XXX; assets have been adjusted with using the XXX XXX Bank statement that includes the $XXX wire deposit and not using any deposits dated after subject transaction (2 deposits on this XXX statement appears to be after subject transaction, (1). if needed to be included would need copy of final HUD-1 settlement statement to support what the final disbursement date is/was for subject, currently using disbursement date of XXX), verified reserves are $XXX or XXX months however need 6 months for subject and XXX months for other REO and (2). still missing if any monthly payment on this employer advancement and to be included in DTI (3). compensation advancement agreement to be signed, currently unsigned (4). loan from employer was received and being used for transaction 5/4 Client provided the signed Compensation advancement agreement; still missing the Amortization schedule referenced in #6 of the signed agreement showing the monthly payment due; and Missing final HUD 1 to confirm Funding date5/4 Client provided settlement statement for subject, condition remains5/9 Client provided amortization schedule and funding date of XXX | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is 39 points above the XXX FICO required for the program. |
| 408070507 | Condition added after review of assets and decrease of Employer advancement, previously using $XXX however actual amount is $XXXVerified reserves are $XXX or XXX monthsXXX months for subject (PITIA $XXX) plus XXX months for other REO (PITIA $XXX) is needed for total reserves of $XXXNote: (2 deposits on the XXX statement appears to be after subject transaction, (1). if needed to be included would need copy of final HUD-1 settlement statement to support what the final disbursement date is/was for subject, currently using disbursement date of XXX | 5/4 Client provided settlement statement for subject, condition remains5/10 Client provided amortization schedule, condition remains5/11 Client requested clarification; upon review the verified reserves are $XXX. or XXX months PITIA and required reserves are $XXX which is equal to XXX months for subject and XXX months for REO; one post close deposit on XXX for $XXX was not included in the reserve calculation, if included the reserves would be $XXX or XXX% of the required amount; but still short $XXX 5/17 Client provided a lock changing the loan to Choice; Reserves required are XXX months subject $XXX plus XXX months REO $XXX for total of XXX months PITIA or $XXX and verified reserves are $XXX or XXX months PITIA5/19 Client provided an approved exception to allow the file with reserves of $$XXX or XXX months PITIA | XXX final grade is B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is 39 points above the XXX FICO required for the program. |
| 408070507 | Missing 2 years IRS Tax Transcripts from IRS as required by guidelines | 3/28 Client provided letter from IRS that transcripts are running slow, condition remains3/29 Client provided 19/20 transcripts | satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is 39 points above the XXX FICO required for the program. |
| 408070528 |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close assets are $XXXfor XXXX months. Required reserves are XXX months for the subject and 6 months for the other REO.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements of XXX%<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Significant housing expense reduction of $XXX per month<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408070536 | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. | (No Data) | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: The Borrowers have been at current residence for XXX years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Satisfactory payment history; low credit usage of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXXRequired Reserves (XXX) Months PITI: $XXX\*XXX=$XXX; (XXX) Months Additional REO: $XXX\*XXX=$XXX |
| 408070536 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: The Borrowers have been at current residence for XXX years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Satisfactory payment history; low credit usage of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXXRequired Reserves (XXX) Months PITI: $XXX\*XXX=$XXX; (XXX) Months Additional REO: $XXX\*XXX=$XXX |
| 408070551 | Seller-paid Fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX & PCD XXX; Seller's CD in file & able to test. | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX + years at current job |
| 408070551 | Missing required residual income calc | 3/16/22 Client provided exception for: Residual income missing. Okay to use DD firm calculation as long as it is within program requirements for minimum residual | Initial and final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX + years at current job |
| 408070562 | CD in file dated XXX. Provide the CD with confirmation of borrower receipt at least XXX business days prior to consummation. Additional conditions may apply | 03/31/22 Client provided the Final CD signed at Consummation on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA Qual rate for sub prop XXX months for other financed property XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum FICO of XXX |
| 408070596 | Zero tolerance in amount of $XXX due to increased Appraisal fee by $XXX on initial CD XXX with no valid COC in file and due to increased Discount Points by $XXX due to increased fee not timely disclosed to borrower - COC XXX indicated increase but was not disclosed to borrower till CD XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 03/25/22 Client provided a COC with Change Date XXX reflecting Points increase for credit score decrease (re-scoring). Condition remains. Lender to provide further details or explanation for the XXX COC in file that reflects a Lock Extension Points increase to XXX%, however the increase was not provided on the XXX CD, and the increase that occurred on XXX reflects Points of XXX%. Further testing to be applied upon receipt. Additional conditions may apply.03/30/22 Client provided a signed LOE from the Lender explaining the COC attached to the XXX was left in error. They did not charge the increase in points to the borrower on XXX. The COC attached to the XXX CD correctly added the points. Condition remains. Re-testing still results in a Zero Tolerance violation of $XXX due to the increased Appraisal Fee without a valid reason in file. Lender to provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery with tracking.03/31/22 Client provided a XXX Post CD with cure, LOE, refund check and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.04/05/22 Client provided duplicate copies of the shipping label and refund documents. Re-tracking confirms shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months for the other REO.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XX months exceeds guidelines of XXX months<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI at XXXX% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements of XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job of XXX years<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Significant housing expense reduction of $XXX per month |
| 408070596 | Initial CD XXX is e-signed by non-borrowing spouse but a prior e-consent is missing in file. | 03/24/22 Client provided the Initial CD XXX Cert reflecting the accepted e-consent for the NBS. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months for the other REO.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XX months exceeds guidelines of XXX months<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI at XXXX% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements of XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job of XXX years<br>CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Significant housing expense reduction of $XXX per month |
| 408070633 | Texas Equity - Affidavit of Fair Market Value not signed by lender | 03/08/22 Client provided the FMV Affidavit signed by all parties. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 XXX years same line of work<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence |
| 408070633 | Guidelines: Gaps more than XXX days during the past XXX years require a satisfactory letter of explanation (requested in separate exception) and the borrower must be employed with their current employer for a minimum of XXX months to include as qualifying income. Borrower has gap > XXX and is on current job < XXXDoes not meet above guidelines | 3/10 Client provided approved exception for job gap and not at current employment for XXX months | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 XXX years same line of work<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence |
| 408070633 | Missing borrower LOE for all job gaps > XXX years | 3/10 Client provided approved exception for missing letter of explanation for job gaps | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 XXX years same line of work<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence |
| 408070633 | Provide XXX Balance sheet for Schedule C Performance Pups | 3/10 Client provided approved exception for missing Balance sheet | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 XXX years same line of work<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence |
| 408070633 | CDA supports appraised value, however not scanned in properly - comp pages are cut off. Provide full complete CDA, all pages. | 3.11.2022 Client provided complete 3rd party CDA valuation supporting appraised value with XXX variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 XXX years same line of work<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence |
| 408070633 | Provide final title / satisfactory proof Deed of Trust in Schedule C - 6 is cleared, page 851-852 combined file. May be subject to additional conditions upon review. | 3/7 Client provided updated title with C-6 removed | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 XXX years same line of work<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence |
| 408070648 | Incorrect ROR Form Used in Refinance With Original Creditor XXX | 3/24/22 Client provided approved exception for the Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor. | Initial and final Grade B. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower is XXX years in same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score |
| 408070716 | The file contains 1 CD issued on XXX. Lender to provide a copy of the CD signed at Consummation on XXX for further testing. Additional conditions may apply. | XXX Client provided the Final XXX CD, signed on XXX. (Original file contains 3 CD's - issued on XXX, XXX and XXX). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408070716 | Zero Tolerance testing failed by $XXX due to the increased Appraisal Management Fee without a valid change reason provided in the file. The Final CD reflects the $XXX cure verbiage on the CCTC Table, however the corresponding Lender Credit is missing from Section J on page 2. It does not appear the credit was provided to the borrower. Lender to provide borrower with a $XXX refund, corrected Post CD, LOE and proof of delivery with tracking. | XXX Client provided a XXX Post CD adding the cure to Section J, LOE to borrower, $XXX refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408070716 | Missing Patriot Act form executed by borrowers. | XXX Client provided executed patriot act for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408070733 | Final CD present but NOT SIGNED | XXX Client provided the signed copy of the Consummation CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX VS XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% VS XXX% |
| 408070733 | Missing lender's loan approval/underwriting form/ 1008. | XXX Client provided lender 1008 within guidelines | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX VS XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% VS XXX% |
| 408070733 | Missing title. | XXX Client provided subject Final Title commitment dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX VS XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% VS XXX% |
| 408070733 | Missing UCDP/CDA to support value | XXX Client provided UCDP XXX SSR Report w/CU Score XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX VS XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% VS XXX% |
| 408070739 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX VS XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% VS XXX% |
| 408070740 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX exceed guide lines. |
| 408070742 | File is missing a VOR, lease agreement or other documentation verifying the payment history print-out provided in the file was for the rent payments. | XXX Client provided approved exception for the lack of documented housing history where one exits (missing VOR only) | XXX initial and final grade of B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been with current employer since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO > XXX points above guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have XXX months of PITI in reserves; XXX months required. |
| 408070747 | Business tax return 1120-S must be signed and dated by borrower or need a concurrent years' 1120-S tax transcripts. | XXX Client provided pg. 1 of signed dated 1120S XXX business: XXX XXX, Inc return | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in profession for XXX years. |
| 408070748 | Zero tolerance in amount of $XXX due to increased Discount Points by $XXX on CD XXX. Lender's credit for tolerance cure $XXX is not sufficient. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund in amount of $XXX | XXX Client provided a XXX Post CD with cure, LOE, refund check and tracking. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1: XXX years + same line of work<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408070748 | Non-Retirement Asset Reserves Required Primary Residence: XXX monthsSourced:XXX = XXX months, not met Provide additional liquid asset statements, meeting guidelines, supporting required liquid reserves. May be subject to additional conditions upon review | XXX Client provided approved exception for short required reserves | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1: XXX years + same line of work<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408070748 | B2:XXX , XXX w2 's in file Provide XXX w2 | XXX Client provided approved exception for missing XXX W2, XXX transcript in file | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1: XXX years + same line of work<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408070777 | Exception triggered due to final CD XXX is not signed by borrowers. Condition is pending receiving borrowers confirmation of receipt | XXX Client provided the signed Final CD. Re-testing confirms no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements of XXX%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work |
| 408070777 | Exception triggered due to final CD XXX is not signed by borrowers. Condition is pending receiving borrowers confirmation of receipt | XXX Client provided the signed Final CD. Re-testing confirms no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements of XXX%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work |
| 408070777 | Assets: Post close reserves are $XXX for XXX months. Required reserves are XXX months. | XXX Client provided exception for: Reserves less than program minimum but within XXX% of required reserves | Initial and final Grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements of XXX%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work |
| 408070777 | Borrower both rented and owned during the XXX month period. Provide a VOR for the prior addresses for a minimum of XXX months. | XXX client provided exception for: Lack of documented housing history where one exists (missing VOR only) | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements of XXX%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work |
| 408070777 | Provide 1008 | XXX Client provided lender 1008 within guidelines | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements of XXX%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work |
| 408070781 | Missing XXX years Tax Transcripts. Have XXX (No Record Found) and XXX in file. Provide XXX | XXX Client provided exception approval for missing XXX tax transcripts w/XXX 1040 transcripts in file, and no record found for XXX. Two Years required. | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calculated DTI of XXX% is below guideline requirement.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in current profession for XXX years. |
| 408070784 | Missing XXX month's tax transcripts for B2. | XXX Client provided approved exception for missing XXX/XXX transcript for B2 | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% is below guideline of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is below guideline of XXX%. |
| 408070794 | "Requesting exception for gap over XXX days requiring XXX months on job. Borrower was XXX employed from XXX - XXX when she started current job. Borrower has not filed XXX business returns. "Client approved exception for above not yet applied due to open conditions | XXX Client provided approved exception for gap in employment and not at current job for XXX months | Final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Cash Reserves $XXXSufficient for 2nd home subject and primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX |
| 408070794 | Delayed financing guidelines: Funds used to purchase the property are fully documented and sourced and must be the borrowers own funds (no gift funds or business funds).Documents in file reflects gift letters / receipt of gift funds. | XXX Client provided letter of explanation, however gift funds used to qualify, gift letters and receipts found in file $XXX, $XXXand $XXX, condition remainsXXX No gift reserves used to qualify, borrower has sufficient funds without gift funds | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Cash Reserves $XXXSufficient for 2nd home subject and primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX |
| 408070822 | $XXX zero tolerance due to increase in Appraisal Desk Review fee on cd XXX without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 04/11/22 Client provided a missing XXX COC and Loan Estimate. Condition remains. The COC only states Underwriter requires appraisal CDA. Lender to provide further details explaining what changed during underwriting that caused the fee addition. Additional conditions may apply.04/20/22 Client provided an Email discussion with the Lender that states the Application was XXX, loan was submitted to the Servicer on XXX, then Lender received the initial Underwriting findings from the Servicer on XXX, requesting a CDA. On XXX, the fee was sent to the borrower. Condition remains. Upon review by internal Compliance and counsel, the explanation for the Change is not valid for this fee addition. Lender to provide further details on what Change occurred during UW that prompted the addition of the CDA fee, or provide borrower with the $XXX refund.04/22/22 Client provided an LOE explaining the origination (correspondent loan) and loan submission with the attached guidelines. Upon review by internal Compliance counsel, the submitted documents are sufficient. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408070846 | Application date is XXX. H.O.C. issued XXX. | 4/1/22 Client provided approved exception for the List of homeowners counseling organizations not provided w/in 3 days of application | Initial and final Grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months for the other REO.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% below guideline requirement of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% below guideline requirements of XXX%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months. |
| 408070846 | Notice Concerning Extensions of Credit missing. | 04/05/22 Client provided the Notice Concerning Extensions of Credit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months for the other REO.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% below guideline requirement of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% below guideline requirements of XXX%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months. |
| 408070846 | Maximum cash out is exceeded. | 04/04/2022 Client provided approved exception | XXX initial and final grade of B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months for the other REO.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% below guideline requirement of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% below guideline requirements of XXX%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months. |
| 408070865 | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Upon receipt of missing income documents | 4.5.2022 Client provided w2 transcripts however still missing 1). 2020/2019 1040 personal returns, borrower income is all commission. In addition file have 2021/2020/2019 w2's for borrower however (2). 2020/2019 1040 Transcripts are required due to all commission income used for qualifying 4.7.2022 Client provided 2020/2019 1040 personal returns (all commissioned income) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score of XXX exceeds the minim score needed of XXX by XXX points<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same line of work for XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is XXX% below the maximum LTV of XXX% |
| 408070865 | Mortgage is not found in file. | 04/04/22 Client provided the subject Mortgage and Rider. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score of XXX exceeds the minim score needed of XXX by XXX points<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same line of work for XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is XXX% below the maximum LTV of XXX% |
| 408070865 | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score of XXX exceeds the minim score needed of XXX by XXX points<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same line of work for XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is XXX% below the maximum LTV of XXX% |
| 408070865 | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score of XXX exceeds the minim score needed of XXX by XXX points<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same line of work for XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is XXX% below the maximum LTV of XXX% |
| 408070865 | Loan file does not contain all required income documents, Missing 2 years K1 for XXX and XXX Missing 2 years 1040s per policy for commission income greater than XXX% of total income | 4.4.2022 Client provided 2020/2019 K1 for XXX and XXX in which belonging to the Non Purchasing Spouse. Condition remains for (1). 2020/2019 1040 personal returns, borrower income is all commission. In addition file have 2021/2020/2019 w2's for borrower however (2). 2020/2019 1040 Transcripts are required due to all commission income used for qualifying 4.5.2022 Client provided duplicate (in file) 2020/2019 w2 transcripts however 1040 transcripts are required due to all commission income used for qualifying. Condition remains: 1). provide 2020/2019 1040 personal returns, borrower income is all commission. In addition file have 2021/2020/2019 w2's for borrower however (2). 2020/2019 1040 Transcripts are required due to all commission income used for qualifying 4.7.2022 Client provided 2020/2019 1040 personal returns (all commissioned income), condition remains for 2020/2019 1040 Transcripts 4.11.2022 Client provided exception approval for missing 2020/2019 1040 transcripts | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score of XXX exceeds the minim score needed of XXX by XXX points<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same line of work for XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is XXX% below the maximum LTV of XXX% |
| 408070875 | Seller-paid Fees, RE BK (S) & others, that should be disclosed in Section H are not disclosed on Final CD XXX Seller's CD in file & able to test/source it. | (No Data) | Condition Satisfied. Real Estate Commissions has been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score exceeds guidelines by more than XXX points.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years living in the same residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years working in the same line of work.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years working for the same employer. |
| 408070875 | Seller fees listed on Seller CD but not Borrower Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score exceeds guidelines by more than XXX points.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years living in the same residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years working in the same line of work.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years working for the same employer. |
| 408070907 | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Condition satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qual score- XXX ; Program min- XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 0x30 for XXX months<br>CFCFS2854: Significant time in profession<br> - XXX Comments: C1 has worked XXX years at same profession |
| 408070907 | Missing third party executed Patriot Act form for B2, please provide | XXX Client provided identification for both borrowers, still missing patriot act for B2XXX Client provided an approved exception to allow the file without the Patriot act information form; file has IDs | XXX final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qual score- XXX ; Program min- XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 0x30 for XXX months<br>CFCFS2854: Significant time in profession<br> - XXX Comments: C1 has worked XXX years at same profession |
| 408070909 | Real Estate commission listed on Seller CD but not Borrower Final CD. | (No Data) | Condition Satisfied. Real Estate Commissions has been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for XXX years<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrowers have good credit history. both have zero reported lates |
| 408070909 | Seller fees listed on Seller CD but not Borrower Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for XXX years<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrowers have good credit history. both have zero reported lates |
| 408070912 | Assets depletion using funds deposited from a business account | 6.2.2022 Client provided LOX in Collaborate stating: Borrowers spouse passed away and the business assets held by their business were then were deposited into borrowers account, the assets are in the personal account due to death of spouse and business dissolution. Supporting documentation in file. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX exceeds guide of XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX below guides of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: verified reserves of $XXX exceeds minimum of $XXX |
| 408070912 | DTI of XXX above max of XXX | 6.2.2022 Client provided exception approval for DTI of XXX% exceeds maximum of XXX% | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX exceeds guide of XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX below guides of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: verified reserves of $XXX exceeds minimum of $XXX |
| 408070912 | Continuity of obligation- the title and current lien are in the name of business that is owned by borrower- was 50/50 with the deceased husband | 6.2.2022 Client provided exception approval for continuity of obligation, the title and current lien are in the name of a business that is owned by the borrower - was 50/50 with deceased husband | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX exceeds guide of XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX below guides of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: verified reserves of $XXX exceeds minimum of $XXX |
| 408070920 | Per Disclosure Tracking Summary, two revised CDs sent XXX and XXX were sent to the borrower. CDs missing in the file. Provide completed CDs for further testing. Additional conditions may apply. | 04/11/22 Client provided the XXX and XXX CD's and COC's. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: GOOD CREDIT HISTORY<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI OF XXX BELOW REQUIREMENT OF XXX |
| 408070954 | Missing Initial CD dated XXX. Disclosure tracking details show initial CD was sent XXX and esigned XXX. Provided initial CD. | 04/18/22 Client provided the XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years living in the same residence.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years working in the same line of work.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years working for the same employer.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: XXX years working for the same employer. |
| 408070961 | Ten percent tolerance fail in the amount of XXX for increase in Recording Fees from Final LE to Initial CD. COC XXX does not state recording fees to increase and reason why. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided a duplicate copy of the XXX COC and a Post CD issued on XXX that reflects lower closing costs in Sections C and E. Condition remains. For re-testing, provide the Final Settlement Statement/ALTA to confirm the borrower paid the lower charges. Tolerance testing to be re-evaluated upon receipt.XXX Client provided the Final ALTA. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been owning and living in the S/P >XXX years. |
| 408070961 | U.S. Permanent Resident Card has expired on XXX.\*Provide a valid documentation U.S residency. | XXX Client provided Receipt Notice I90 Application to replace permanent resident card received on XXX (Note date XXX), condition remains for green card XXX Client requested a review ; upon review the Green card has been extended through XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has been owning and living in the S/P >XXX years. |
| 408070974 | Missing proof that HELOC has been paid and closed to future draws | 4/20 Client provided evidence HELOC is closed to future draws | satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines XXX |
| 408070974 | Missing third party valuation to support appraised value. | 4/21 Client provided valuation that supports the appraisal value | satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines XXX |
| 408070975 | Per the Title, the subject Lender is the same as the originating 1st lien Lender. ROR Form H9 required. Lender used ROR Form H8 | 5/4/22 - Client provided an approved exception for the incorrect ROR form used | 5/4/22 - Initial & Final Grade 2/B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower XXX years XXX of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX minimum Representative score is XXX |
| 408070975 | Appraised Value $XXX used in lieu of Lease Option value of $XXX. Borrower entered lease option to buy XXX established purchased purchase price as $XXX and moved forward XXX on option price of $XXX. Purchase from parents. | Client provided exception approval for use of appraised value in lieu of purchase price. | Final grade B. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower XXX years XXX of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX minimum Representative score is XXX |
| 408070975 | Missing updated valuation in file | 5.6.2022 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower XXX years XXX of XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX minimum Representative score is XXX |
| 408070986 | Per the XXX credit report, Borrower does not meet minimum open tradeline requirements | 4/11 Client provided approved exception for not meeting tradeline requirements | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Low LTV/CLTV/HLTV XXX% Guidelines allow XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or ($XXX X XXX= $XXX) |
| 408070986 | Maximum cash out per guidelines is $XXX and the subject loan closed with $XXX cash out | 4/11 Client provided approved exception for cash out exceeds guidelines | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Low LTV/CLTV/HLTV XXX% Guidelines allow XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or ($XXX X XXX= $XXX) |
| 408070986 | Missing updated valuation to Support $XXX Value | 4.19.2022 Client provided full complete 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Low LTV/CLTV/HLTV XXX% Guidelines allow XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or ($XXX X XXX= $XXX) |
| 408071015 | Missing copy of Final CD for borrowers other property located at XXX that is closing the same day as subject refinance. Copy in file is marked as a Draft. Needed to support debts reflected on LP findings that are being paid off. | 3.30.2022 Client provided executed final CD from refinance property: XXX VA with payoff of the additional liens | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Borrower has been at current job for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in profession for XXX years. |
| 408071015 | Missing proof HELOC has been closed to future draws. | 3.30.2022 Client provided executed by borrower however no box is checked Note: the 1st box states do not suspend my ability to continue to use this account and the 2nd box states to close HELOC, neither box is checked. Condition remains 3.31.2022 Client provided executed by borrowers requesting closure of HELOC w/XXX (on subject property) | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Borrower has been at current job for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in profession for XXX years. |
| 408071019 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is 40 points above the 700 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408071027 | TX EQ T.42 Title Endorsement missing. | XXX Client provided the TX Form T-64 reflecting a break down of the Title Endorsement charges that includes the T.42 and T.42-1. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves after depleted assets are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months for the other REO.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements of XXX%. Loan is a Rate-Term and not Cash-out; delayed financing.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 99 months exceeds guidelines of XXX months |
| 408071027 | TX EQ T.42.1 Title Endorsement missing. | XXX Client provided the TX Form T-64 reflecting a break down of the Title Endorsement charges that includes the T.42 and T.42-1. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves after depleted assets are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months for the other REO.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements of XXX%. Loan is a Rate-Term and not Cash-out; delayed financing.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 99 months exceeds guidelines of XXX months |
| 408071027 | Delayed financing used to qualify from a business account | XXX Client provided approved exception for asset depletion from business accounts. | XXX initial and final grade of B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves after depleted assets are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months for the other REO.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements of XXX%. Loan is a Rate-Term and not Cash-out; delayed financing.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 99 months exceeds guidelines of XXX months |
| 408071033 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408071058 | Missing initial closing disclosure, Disclosure tracking summary indicates CD sent on XXX and received on XXX. Provide LOE and complete initial CD. Additional conditions may apply. | 05/06/22 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in profession for XXX years. |
| 408071058 | Final CD XXX is only CD in file. Product not disclosed at least three days prior to closing date of XXX | 05/06/22 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in profession for XXX years. |
| 408071058 | CD XXX is only CD in file. Provide initial CD given to borrower at least three days prior to closing date of XXX | 05/06/22 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in profession for XXX years. |
| 408071058 | Missing lender's income calculation supporting the amount $XXX used to qualify borrower. | 5.9.2022 Client provided Lender Cash Flow Analysis with calculation of monthly income of $XXX and provided Liquidity Worksheet along with rental income calculation worksheet | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in profession for XXX years. |
| 408071058 | Missing Title | 5/06/2022 - Client provided the Title commitment for property XXX | 5/06/2022 - Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in profession for XXX years. |
| 408071059 | Not all required seller-paid fees were disclosed on the final CD. | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement |
| 408071059 | Missing Purchase Contract | 4.7.2022 Client provided copy of subject Sales Contract for $XXX and per Rider #XXX Tenancy the purchaser has acknowledged that there are the following existing month to month tenants: 1st Floor - lease expires XXX and 2nd floor is vacant (however unit XXX per photos is occupied). Condition remains to support borrower occupancy within XXX days of closing as Primary Note: Operating Income Statement in file reflects both units occupied, Unit XXX lease expires XXX and unit XXX month to month 4/8 Client requested a review; the signed rider to the Purchase agreement makes the contract contingent on Unit XXX delivered Vacant and further indicates the tenant was month to month at time of contract. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement |
| 408071059 | Appraisal is subject to completion of repairs or conditions as noted: Subject to inspection of the basement. Provide 1004-D with photos as required. | 1004D was provided with loan package | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement |
| 408071082 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same line of work for XXX+ years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408071082 | Provide source of $XXX deposit into XXX #XXX on XXXAdditional conditions may apply | 4/1 Client provided a request to remove the $XXX from reserves, total reserves are now $XXX or XXX months | satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same line of work for XXX+ years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408071082 | $XXX in reserves/$XXX PITI = XXX months of reserves (12 months required). | 5/24/2022 client provided an approved exception for : Reserves less than program minimum but within XXX% of required reserves | Final grade B. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same line of work for XXX+ years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408071117 | Provide the fully executed Purchase Contract with all Addendums (if applicable)File have an amendment to contract (pg. 776) however missing the actual fully executed purchase contract dated XXX | XXX Client provided fully executed copy of initial purchase contract with sales price of $XXX and file have the amendment to contract with reduced price of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months |
| 408071117 | Missing 3rd party CDA valuation supporting appraised value | XXX Client provided loan documents however still missing 3rd party CDA valuation supporting appraised value. Condition remains XXX Client provided 2nd full appraisal dated XXX with value of $XXX and other appraisal in file dated XXX with value of $XXX; subject appears to be a log home design per initial appraisal in file with having 1 comparable (#4) as a log home design, however the appraisal dated XXX is using subject home design of Craftsman vs log design, value appears supported with both full appraisals | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months |
| 408071126 | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are $XXX per DU.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession of XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements |
| 408071139 | Note date: xxxCBR date: xxx, > xxx days | 4/19/22 Client provided exception for: Expiration of credit docs exceed guidelines (no greater than xxx days) | Initial and final Grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) xxx Cash Reserves $xxx Required:xxx months PITIA for subject and xxx for REO, met<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: xxx% DTI<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: xxx% LTV<br>CFCFS2854: Significant time in profession<br> - XXX Comments: xxx years same line of work |
| 408071139 | Per guidelines, provide most recent two years IRS tax return transcripts due to commission income > xxx% of overall income. May be subject to additional conditions upon review. | 4/20 Client provided 19/20 transcripts | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) xxx Cash Reserves $xxx Required:xxx months PITIA for subject and xxx for REO, met<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: xxx% DTI<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: xxx% LTV<br>CFCFS2854: Significant time in profession<br> - XXX Comments: xxx years same line of work |
| 408071139 | Per guidelines, provide most recent two years 1040s, due to commission income > xxx% of overall income. May be subject to additional conditions upon review. | 4/20 Client provided W2s condition remains for 2 years complete signed and dated 1040s 4/26/2022 - Client provided the 2020/2019 complete signed and dated 1040s | 4/26/2020 - Condition Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) xxx Cash Reserves $xxx Required:xxx months PITIA for subject and xxx for REO, met<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: xxx% DTI<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: xxx% LTV<br>CFCFS2854: Significant time in profession<br> - XXX Comments: xxx years same line of work |
| 408071142 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Required Reserves: $XXXAvailable Reserves: $XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has worked XXX years at current Job |
| 408071161 | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject property.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements of XXX% |
| 408071185 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower is on job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score is XXX. Minimum score is XXX.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Borrower mortgage history is 0x30 for XXX months reviewed. |
| 408071199 | Missing XXX years Tax Return Transcripts from IRS as required by guidelines. | 4.12.2022 Client provided XXX w2 transcripts for both borrowers along with XXX no record transcripts | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has XXX years XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers have XXX years at current residence.<br>CFCFS1745: Significant total monthly debt reduction<br> - XXX Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required. |
| 408071202 | $XXX XXX tolerance due to increase in appraisal fee from LE to CD without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 04/12/22 Client provided a XXX Post CD with cure, LOE, refund check and shipping label. Tracking shows only the label has been created. Condition remains for the proof of shipment.04/13/22 Client provided the shipping confirmation. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has been in profession for XXX years. |
| 408071217 | Seller-paid Fees that should be disclosed in Sections C, F, & H are not disclosed on Final CD XXX & PCD XXX; Seller's CD in file & able to test. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: credit score of XXX above limits of XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has a significant time in profession of XXX years |
| 408071219 | Coverage $XXX+ XXX%=$XXXis not sufficient. | 4.8.2022 Client provided estimated replacement cost however no address on document, condition remains 4/13 Client provided RCE with address | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has XXX vs min requirement from lender XXX.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at residence.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years at job. |
| 408071235 | Tax Transcripts not in file | 5.6.2022 Client provided exception approval for missing two (2) years transcripts | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX minimum required Borrower representative score is XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI max borrower DTI is XXX% |
| 408071235 | Hazard policy in file is not for our borrowers | 5.9.2022 Client provided subject HOI policy effective XXX with sufficient coverage and policy have additional XXX% coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX minimum required Borrower representative score is XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI max borrower DTI is XXX% |
| 408071241 | Zero Tolerance testing failed by $XXX due to the increased Credit Report Fee without valid Change Reasons documented in the file. No evidence of a cure Credit at Closing, please provide documents showing increase of fee, a corrected Post CD and proof of delivery via shipping that includes tracking information within XXX days of consummation. | 04/21/22 Client provided copies of the XXX CD along with the XXX COC indicating Additional Credit Verification Services were required. File contains the XXX Credit Supplement Report showing updated pay history on 2 mortgage accounts. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The reserve requirements meet guides with 9 months PITIA primary (XXX) and total reserves are XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Max XXX% DTI and borrowers have a XXX% DTI.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in current LOB for XXX years. |
| 408071243 |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408071247 | Provide an additional XXX statement. | 5/5 Client provided an Email that " the XXX statement is an annual statement issued yearly" Response, upon review a single annual statement is acceptable for an Annuity. However, the statement must still be dated within XXX days of the Note date; Condition remains for asset statements dated within XXX days of the Note5/6 client provided a dated portfolio however the XXX Statement does not reflect a date within XXX days of the note, condition remains.5/10 Client requested a review; upon review the Client provided a XXX Account printout for the XXX annuity showing sufficient Assets | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements of XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months<br>CFCFS1747: Housing expense increase is 10% or less<br> - XXX Comments: Housing expense increase is XXX%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job of XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession of XXX years on Job #2 |
| 408071247 | Provide verbal verification of employment as required by guidelines with XXX days of the note date. | 5/5 Client provided VOEs for each Borrower dated XXX and the Note date is XXX; VOEs are dated within XXX business days | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements of XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months<br>CFCFS1747: Housing expense increase is 10% or less<br> - XXX Comments: Housing expense increase is XXX%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job of XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession of XXX years on Job #2 |
| 408071250 | Unable to test a loan product due to missing initial CD in file | 04/11/22 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has been in profession for XXX years. |
| 408071250 | Provide missing Initial CD dated XXX per disclosure tracking found in file. Additional conditions may apply. | 04/11/22 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has been in profession for XXX years. |
| 408071250 | Missing support docs for VOR (e.g. cancelled checks)\* Per lease agreement monthly rent $XXX. Borrowers have been living at the residence XXX for XXX years. Guidelines require XXX months payment history reflecting 0x30 late. | 04/07/2022 Client provided approved exception for the lack of documented housing history where one exits \*missing VOR only) | XXX initial and final grade of B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has been in profession for XXX years. |
| 408071250 | Missing required XXX years' W-2 transcripts; received partial pages of transcripts that are not complete.\*Provide XXX years legible W-2 transcripts for each borrower. | 4.12.2022 Client provided XXX w2 transcript for B2, (1). still missing XXX w2 transcript for B2 (Sean) and (2). XXX w2 transcript for B1 XXX4/13 Client provided approved exception for missing transcripts for both borrowers | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has been in profession for XXX years. |
| 408071259 | XXX Bank Statement #XXX is over XXX days prior to Note date. | 4/20 Client provided an approved exception for credit docs being within XXX days prior to Note date | XXX Final Grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% ltv |
| 408071259 | Provide 3rd party VOE for XXX dated within 30 calendar days prior to Note date. | 4/27 Client provided 3rd party verification of self employment dated XXX, however not dated within XXX days of note date of XXX5.4.2022 Client provided website of business advertisement about the business and about the team however still missing 3rd party documentation of XXX dated within 30 days of Note verifying active status. 5.6.2022 Client provided 3rd party VVOE for business:XXX in which appears to be one of same for business: XXX dated XXX with Note date XXX not within XXX days of Note. Condition remains 3rd party VVOE provided is not within guidelines timeframe, it is dated after Note date. 5/6 Client provided an approved exception to allow the file with a prior to close VOE dated outside XXX days from the Note date and a post close VOE dated XXX | XXX final grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% ltv |
| 408071259 | Missing 2021 Profit and Loss and Balance Sheet for XXX | 4/20 Client provided an approved exception for missing Profit and Loss and Balance Sheet when XXX Final Grade B (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% ltv |  |  |  |  |
| 408071259 | Provide 2021 Balance Sheet from XXX. | 5.11.2022 Client provided Balance Sheet XXX however initial condition is for end of year 2021 Balance sheet for this business. Condition remains for end of year 2021 Balance Sheet 5/20 Client provided an approved exception to allow the file without the Balance sheet | XXX final grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% ltv |
| 408071270 | Provide Appraisal Disclosure within XXX days of application | XXX Client provided the Initial XXX disclosure package that includes the XXX LE with Appraisal Disclosure. | Condition Satisfied. (Replaced CMPFDCP3482 due to System error) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX . XXX months PITI. XXX months required. Of that XXX months or $XXX must be non retirement. $XXX is non retirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX Credit Score |
| 408071270 | The Application Date per the Initial 1003 and Mavent is XXX, however the HC List in file was issued on XXX. Appears the initial disclosure package is missing from the file. Provide the initial HC List. | XXX Client provided the Initial XXX HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX . XXX months PITI. XXX months required. Of that XXX months or $XXX must be non retirement. $XXX is non retirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX Credit Score |
| 408071270 | The Application Date per the Initial 1003 and Mavent is XXX, however the first LE in file was issued on XXX (per the XXX COC, this was a Revised LE for the Rate Lock). Provide the Initial Loan Estimate, along with the e-consent and initial disclosure package (if applicable). | XXX Client provided an LOE and Tracking for the Initial LE showing delivery via USPS (regular mail), Sent on XXX. Condition remains for the missing XXX Loan Estimate for final loan/fee testing.XXXClient provided the Initial XXX disclosure package that includes the XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX . XXX months PITI. XXX months required. Of that XXX months or $XXX must be non retirement. $XXX is non retirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX Credit Score |
| 408071288 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Low DTI XXX %<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require 12 months+ 6 Months for Additional REO or ($ XXXX 6 = $ XXX) |
| 408071292 |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has significant time at current job XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job XXX years |
| 408071327 | Exception fired due to missing initial CD. No change in Product Feature. | 05/03/22 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score exceeds guidelines by more than XXX points.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX working in the same line of work.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years living in the same residence. |
| 408071327 | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. Per "Certificate Of Completion", there was a loan disclosure package sent and viewed on XXX. This would be deemed as the Initial CD. Please furnish for fee entry/testing. | 05/03/22 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score exceeds guidelines by more than XXX points.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX working in the same line of work.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years living in the same residence. |
| 408071327 | Missing Patriot Act from from the file. | 5/3 Client provided patriot act | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score exceeds guidelines by more than XXX points.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX working in the same line of work.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years living in the same residence. |
| 408071327 | Cash-out of $XXX(program max is $XXX) | 04/29/2022 Client provided approved exception with the following compensating Factors: XXX% LTV, XXX mos. liquid reserves, XXX yrs. on the job, co-borrower XXX income not used for qualification | XXX final grade of B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score exceeds guidelines by more than XXX points.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX working in the same line of work.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years living in the same residence. |
| 408071360 | Guidelines required XXX months PITIA liquid reserves, = XXXVerified liquid = XXX | 5/3 Client provided an additional statement for XXX #XXX covering XXX with sufficient liquid assets | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score |
| 408071360 | Provide Hazard Insurance policy for subject | 5.4.2022 Client provided subject HOI policy with sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score |
| 408071360 | DOT : XXX and XXX, Husband and WifeTitle:Page 429 combined file:XXX and XXX, husband and wife tenants by the entirety Page 1417 combined file: XXX, a married woman tenants by the entirety and XXX, a married man tenants by the entirety | 5.4.2022 Client provided appears to be duplicate (in file) Mortgage Deed of Trust with vesting: in borrowers name husband and wife however title and warranty deed in file reflects in borrowers name husband and wife tenants by the entirety. Condition remains for Mortgage Deed of Trust to reflect same vesting (in borrower names husband and wife tenants by the entirety) as title and warranty deed.5.6.2022 Client provided duplicate (in file) warranty deed however title and mortgage deed of trust vesting still do not match each other, Mortgage Deed of Trust have vesting of husband wife name and Title and warranty deed have vesting of grantees tenants by the entirety in which do not match. Condition remains Note: per Lender LOX states: pg. 2 of vesting was corrected to read: husband and wife tenants by the entirety however pg. 2 of Deed of Trust was not provided to support this updated change. 5.6.2022 Client provided LOX stating title agent says a DOT revision is not necessary since the warranty deed has the correct vesting. Response, Warranty deed vesting do not state husband and wife, the Mortgage deed of trust states husband and wife; so not the same vesting. Condition remains vesting on Mortgage and Title differ Mortgage vesting: Husband and Wife and Warranty Deed and Title vesting: tenants by the entirety 5/19 Client provided corrected and letter of intent to re record | satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score |
| 408071360 | DOT : XXX and XXX, Husband and WifeTitle:Page 429 combined file:XXX and XXX, husband and wife tenants by the entirety Page 1417 combined file: XXX, a married woman tenants by the entirety and XXX, a married man tenants by the entirety | 5.4.2022 Client provided appears to be duplicate (in file) Mortgage Deed of Trust with vesting: in borrowers name husband and wife however title and warranty deed in file reflects in borrowers name husband and wife tenants by the entirety. Condition remains for Mortgage Deed of Trust to reflect same vesting (in borrower names husband and wife tenants by the entirety) as title and warranty deed.5.6.2022 Client provided duplicate (in file) warranty deed however title and mortgage deed of trust vesting still do not match each other, Mortgage Deed of Trust have vesting of husband wife name and Title and warranty deed have vesting of grantees tenants by the entirety in which do not match. Condition remains Note: per Lender LOX states: pg. 2 of vesting was corrected to read: husband and wife tenants by the entirety however pg. 2 of Deed of Trust was not provided to support this updated change. 5.6.2022 Client provided LOX stating title agent says a DOT revision is not necessary since the warranty deed has the correct vesting. Response, Warranty deed vesting do not state husband and wife, the Mortgage deed of trust states husband and wife; so not the same vesting. Condition remains vesting on Mortgage and Title differ Mortgage vesting: Husband and Wife and Warranty Deed and Title vesting: tenants by the entirety 5/19 Client provided corrected and letter of intent to re record | satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score |
| 408071372 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years at the current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score of XXX exceeds the Program Guidelines of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% is below Program Guidelines of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is lower than the Program Guidelines of XXX%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months PITI reserves |
| 408071373 | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Low LTV/CLTV/HLTV XXX % Guidelines allow XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or ($ XXX X XXX = $ XXX) |
| 408071373 | Seller fees listed on Seller CD but not Borrower final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Low LTV/CLTV/HLTV XXX % Guidelines allow XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or ($ XXX X XXX = $ XXX) |
| 408071378 | COC dated XX and XXX found in file but corresponding disclosures are missing in file. | 04/27/22 Client provided a duplicate copy of the XXX CD in the original file. Condition remains. The XXX and XXX COC's state re-disclosures were sent on XXX and XXX. There are no LE or CD in the file with these dates. Please provide further explanation, and/or the missing disclosures.05/05/22 Client provided duplicate copies of the XXX COC, XXX LE, XXX COC and XXX CD. Condition remains. The XXX and XXX COC's state re-disclosures were sent on XXX and XXX. There are no LE or CD in the file with these dates. Please provide further explanation, and/or the missing disclosures.06/02/2022 Client provided breakdown of changes reflecting change on XXX was for adding P/O's, since there is no where to add P/O's to, no LE issued. COC XXX was a non-valid increase to the Discount Points of $XXX, not disclosed until CD XXX, however was issued as cure on PCCD XXX. See condition CMPTRID3670. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned the subject property for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO > 50 points above guideline minimum of XXX. |
| 408071378 | Zero tolerance in amount of $XXX due to increased Discount Points. COC dated XXX found in file doesn't state a reason why fee was increased. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund | 04/27/22 Client provided a duplicate copy of the XXX CD from the original file. Condition remains. The XXX COC does not provide any valid explanation for why the Points fee was increased. Also, there is not corresponding disclosure that goes with the XXX COC.05/05/22 Client provided duplicate copies of the XXX COC, XXX LE,XXX COC and XXX CD. Condition remains. The XXX COC in the loan file does not provide any valid explanation for why the Points fee was increased by $XXX. Also, there is not a corresponding disclosure that goes with the XXX COC.05/11/22 Client provided a XXX Post CD reflecting a $XXX general Lender Credit in Section J, and LOE to borrower. Condition remains. Provide the $XXX refund check, a corrected Post CD that contains the required "cure" verbiage, and proof of delivery.05/16/22 Client provided the $XXX refund check, LOE and email screen shot stating the refund was delivered via regular mail. Condition remains for the corrected Post CD that reflects the required cure verbiage in Section J and the CCTC Table.05/17/2022 Client provided Duplicate PCCD XXX and LOE. Condition remains for corrected Post CD that reflects the required cure verbiage in Section J and the CCTC Table (Lender Credit includes $XXX cure for closing costs exceeding legal limit).06/02/2022 Client provided a breakdown of changes made to fees. Condition remains for corrected Post CD that reflects the required cure verbiage in Section J and the CCTC Table (Lender Credit includes $XXX cure for closing costs exceeding legal limit).06/08/22 Client provided an LOE and corrected XXX Post CD with the cure verbiage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has owned the subject property for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Median FICO > 50 points above guideline minimum of XXX. |
| 408071383 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score of XXX exceeds minimum score needed of XXX by XXX points<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX in reserves or XXX months exceeds the XXX months reserves required XXX x $XXX(PITIA) = $XXX |
| 408071415 | Determine status upon review / receipt of clarification of XXX REO disposition | 6/30 Client provided Quit Claim Deed dated XXX, REO property is in the borrower Trust | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX |
| 408071415 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX |
| 408071415 | XXX REO:1. Per letter dated XXX, page 1397 combined file, property is in business name2. Per Fraud report, page 495, property was quit claimed from business to borrower on XXX, after letter above was written.3. REO is not on 1003, and 0 PITIA was used to qualify - provide documentation supporting exclusion of PITIA from DTI.May be subject to additional conditions upon review | 6/30 Client provided Quit Claim Deed dated XXX, REO property is in the borrower Trust | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX |
| 408071415 | XXX% meets guidelines, however, keeping open until clarification of undisclosed REO. | 6/30 Client provided Quit Claim Deed dated XXX, REO property is in the borrower Trust | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX |
| 408071424 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408071424 | Missing the executed Final Settlement Statement for the XXX property to verify net proceeds to borrowers of $XXX. | 4.12.2022 Client provided estimated sellers HUD-1 statement verifying sale of XXX with payoff of existing lien and borrower netting $XXX however missing the final HUD-1 from this sale. Condition remains for the final HUD-1 4.12.2022 Client provided the final sellers HUD-1 statement with payoff of existing lien and borrower netting $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408071439 | Per the disclosure tracker revised CD XXX was issued to borrower. Disclosure not present on file. Condition pending receipt copy of revised CD XXX w/ COC if applicable. | 05/12/22 Client provided the XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXXRequired:XXX months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX |
| 408071439 | MD Counseling Notice missing; the qualifying verbiage not indicated on issued HOCOL. Condition pending receipt copy of MD Counseling Notice. | 05/12/22 Client provided the MD Counseling Notice. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXXRequired:XXX months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX |
| 408071439 | CDA supports appraised value; however not scanned in properly - comp pages are cut off. Provide full CDA report, all complete pages | 5.12.2022 Client provided fully complete all pages of 3rd party CDA valuation supporting appraised value with XXX% variance Note: Street name is XXX however CDA have street name as XXX. (CDA street name appears to be a typo, however legal description matches the appraisal). | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXXRequired:XXX months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX |
| 408071462 | Seller fees listed on Seller CD but not on Borrower Final CD | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been self employed for XXX years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co Borrower has been XXX for XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: All mortgages are paid 0x30. |
| 408071462 | Completion certificate is missing from file. | 4/29 Client provided an HVAC certification; Condition remains for a 1004D with photo's show all "subject to" appraisal items have been completed 5.12.2022 Client provided 1004D where appraiser states was not given access to the home to confirm the HVAC unit has been replaced. Photos and a paid invoice has been provided that has been attached for underwriter review. Response, per the photo appears the HVAC is installed however due to appraiser was not given access to the home to confirm installed and working properly, appraiser was given a photo and a paid invoice. Condition remains for appraiser to have access to confirm installation of HVAC and properly working. 5/13 Client provided an approved exception to allow the file with the 1004D and photo evidence with paid invoice to show the work has been completed | XXX final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been self employed for XXX years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co Borrower has been XXX for XXX years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: All mortgages are paid 0x30. |
| 408071527 | H9 Form Used in Refinance With Different Creditor Provide LOX, TIL or CD, proof of delivery, and correct version of NORTCs to all entitled to rescind to re-open rescission (2 for each recipient). Within XXX days of discovery. | 05/03/22 Client provided a corrected H-8 ROR Form, signed by all parties on XXX, with new Expiration at midnight on XXX Condition remains until the new rescission period has expired.05/06/22 The new rescission period is now expired. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High fico XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-borrower has stable employment with XXX years at current job. |
| 408071531 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High fico XXX<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-borrower has stable employment with XXX years at current job. |
| 408071532 | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX & PCD XXX; Seller's CD in file & able to test. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Low LTV/CLTV/HLTV XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Reserves of $ XXX as XXX months PITIA AUS Guidelines Reserves Required = $ XXX |
| 408071555 | Seller-paid fees, RE BK (S) & others, that should be disclosed in Sections C & H are not disclosed on Final CD XXX. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months for XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI at XXX% below guideline requirement of XXX% |
| 408071555 | Ten Percent tolerance testing failed by $XXX due to the increased Recording Fee. COC in file does not provide a detailed explanation for the increase in charges. Lender to provide further details for review, or provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery. | 06/06/22 Client provided a duplicate copy of the XXX COC. Condition remains. Lender to provide further details on what the new title/recording requirements are related to. Additional conditions may apply.06/08/22 Client provided a XXX Post CD with cure, LOE, refund check and tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months for XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI at XXX% below guideline requirement of XXX% |
| 408071556 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX at current job.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is XXX% below the XXX% allowed for the program. |
| 408071574 | Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX & PCD XXX; Seller's CD in file & able to test. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score exceeds guidelines by more than 20 points.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years working in the same line of work. |
| 408071574 | HOI coverage of XXX is < the loan amount. Provide the RCE of evidence of sufficient coverage. | 4.29.2022 Client provided HOI estimated replacement worksheet, HOI reflects sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score exceeds guidelines by more than 20 points.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years working in the same line of work. |
| 408071592 | Borrowers are FTHB with loan amount over $XXX and using Gift Funds Exception Approval in file, however missing VOR for current primary and Borrowers only have $XXX in reserves. Although it meets G/L reserves it does not meet the $XXX required on Exception Approval | 4/13 Client provided approved exception for gift funds for FTHB with reserves required of $XXX | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX Credit score exceeds guidelines by more than 20 points.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX is below guideline requirements. |
| 408071592 | Missing VOR/VOM from the file. | 04/12/2022 Client provided approved exception for the lack of documented housing where one exits (missing VOR only) | XXX initial and final grade of B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX Credit score exceeds guidelines by more than 20 points.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX is below guideline requirements. |
| 408071597 | Provide additional month bank statement from XXX#XXX. Only have XXX in file | 5/2 Client provided additional consecutive statement for XXX XXX | satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has no lates on current or previous mortgages |
| 408071597 | Provide 2021 and 2020 1040 or W2 Transcripts | 5/2 Client provided 18,19 and 20 transcripts | satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has no lates on current or previous mortgages |
| 408071634 | The Seller CD reflects RE Commission fees that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408071634 | The Seller CD reflects closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408071634 | Funds to close are short $XXX. Missing the XXX #XXX statement with a balance of $XXX. | 5.13.2022 Client provided XXX #XXX and #XXX(Savings/checking) XXX/XXX statement with balances of $XXX and $XXX however appears borrower have two accounts with #XXX and loan file (pg. 295) have a XXX #XXX(checking) print out dated XXX with balance of $XXX and using XXX balance for savings account #XXX; sufficient funds to close met | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408071641 | Missing Patriot Act form fully executed by all parties | XXX Client provided executed patriot act for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408071663 | Additional LLPA may apply with DTI over XXX%. Seller to confirm with Capital Markets LLPA if DTI over XXX% is accurate. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Borr2 has been at current job for XXX year.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers meet guidelines for reserves of $XXX or XXX months PITIA with $XXX in excess reserves. |
| 408071663 | Provide updated valuation as UCDP is 5. | xxx Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Borr2 has been at current job for XXX year.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers meet guidelines for reserves of $XXX or XXX months PITIA with $XXX in excess reserves. |
| 408071666 | Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Good credit history Revolving/Installments accounts 0x30x60x99<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX below requirement of XXX |
| 408071686 | Loan file is missing 2 years W2 tax transcripts required per guidelines | 5.4.2022 Client provided exception approval for missing two (XXX years w2 transcripts | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has been at current job for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score of 800 exceeds minimum needed of XXX by XXX points |
| 408071689 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession of XXX years<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV at XXX% below guideline requirements of XXX% |
| 408071720 | No Cert of Compliance or Cert of Exemption in file. Provide documents. | 05/09/22 Client provided the IL Anti-Predatory Lending Database Notice. Condition remains. Provide the IL Certificate of Compliance or IL Certificate of Exemption that is required to be recorded with the Mortgage/DOT.05/09/22 Client provided the IL Certificate of Exemption. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months for the other REO, and XXX months non-retirement assets are present.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has significant time at current job of XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession of XXX & XXX years respectively. |
| 408071720 | Not all required seller-paid fees were disclosed on the final CD. | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months for the other REO, and XXX months non-retirement assets are present.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has significant time at current job of XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession of XXX & XXX years respectively. |
| 408071724 | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score exceeds guidelines by more than 20 points.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years working for the same employer.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years working in the same line of work. |
| 408071726 | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has worked XXX years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qual score- XXX; Program min- XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calc DTI- XXX%; Program max- XXX% |
| 408071757 | Zero tolerance fail in the amount of XXX for increase in Appraisal Fee on LE XXX without valid reason for increase. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping method that includes tracking information. | 05/03/2022 Client provided COC XXX reflecting appraisal fee increase due to rush fee quote with other XXX disclosures. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has worked XXX years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qual score- XXX; Program min- XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 0x30 for XXX months<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calc DTI- XXX; Program max- XXX% |
| 408071765 | XXX percent tolerance in amount of $XXX due to increased of Recording fee from $XXX to $XXX with no valid reason found in file. COC dated XXX in file does not state why fees had to be increased. Borrower did not select title provider from SPL (SPL title provider is XXX in XXX and borrower selected XXX in XXX) therefore only recording fee is tested for XXX% tolerance. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/03/22 Client provided the XXX Post (Funding) CD that matches the Final ALTA in file. Final Recording Fee charge was only $XXX which falls within the allowed tolerance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers owned primary residence for XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower XXX years in profession as a Physician |
| 408071765 | Zero tolerance in amount of $XXX due to added Trust Review fee with no valid COC - loan did not close in trust. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/03/22 Client provided a XXX Post CD with $XXX PR cure, LOE, email delivery and payment history showing the PR deposit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers owned primary residence for XXX years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower XXX years in profession as a Physician |
| 408071773 | Documentation of Changes Circumstances dated XXX & XXX found in file, but missing Revised LE XXX & LE XXX to reflect the changes. Condition is pending receiving revised LE's | 05/06/22 Client provided the XXX and XXX LEs. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score is XXX. Minimum score is XXX.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Mortgage and rental history is 0x30. |
| 408071773 | Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test. | (No Data) | Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score is XXX. Minimum score is XXX.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Mortgage and rental history is 0x30. |
| 408071780 | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High fico XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has stable employment with XXX years at current job. |
| 408071780 | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High fico XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has stable employment with XXX years at current job. |
| 408071781 | Missing required residual income calc | 5/6/22 client provided exception for: Residual income missing. Okay to use DD firm calculation as long as it is within program requirements for minimum residual | Initial and final Grade B | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: co- borrower has a significant time in current profession of XXX years XXX months<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX below guides of XXX |
| 408071787 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is 60 points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required. |
| 408071792 | File is missing residual income calculation | 05/09/2022 Client provided approved exception for residual income missing . Okay to use DD calculation as long as it is within program requirements for minimum residual | XXX initial and final grade of B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score is XXX. Minimum score is XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower on job for XXX years. |
| 408071792 | The subject file is missing VOR | 05/09/2022 Client provided approved exception for the lack of documented housing history where one exits (missing VOR only) | XXX initial nd final grade of B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score is XXX. Minimum score is XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower on job for XXX years. |
| 408071800 | The max LTV of XXX% for cashout between $XXX and $XXX. | 5/16 Client provided an approved exception to allow the file with cash-out over $XXX | XXX final grade is B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years XXX months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408071816 | Missing closing disclosure from sale of XXX XXX XXX XXX XXXX showing proceeds of minimum estimated $XXX. Documentation subject to further review more conditions may apply | XXX Client provided executed HUD-1 settlement statement from sale of property: XXX XXX XXX XXX with borrower netting $XXX no existing liens on property | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High fico XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX is below lenders guide line maximum. |
| 408071816 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High fico XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX is below lenders guide line maximum. |
| 408071816 | Missing verbal verification of employment for borrower. | XXX Client provided SOS business existing VVOE dated XXX (within XXX days of Note date) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High fico XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX is below lenders guide line maximum. |
| 408071817 | Broker's application is dated XXX, first LE found in file is dated XXX. LE was not disclosed within XXX business days of application date. File is missing Initial LE disclosed by Broker w/I XXX business days of loan application | 04/28/22 Client provided a copy of the XXX LE. Condition remains. This LE was not issued within XXX business days of the Broker Application Date. The earliest 1003 reflects a borrower signature on XXX and Broker Loan Officer signature on XXX. Provide the LE issued within 3 business days of the Application Date.XXX Client provided the XXX Broker LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at the current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has XXX years at their current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score of XXX exceeds the Program Guidelines of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is lower than the Program Guidelines of XXX%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have XXX years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months PITI reserves |
| 408071817 | Initial Escrow Account Disclosure signed at closing - amount for escrows $XXX does not match to final CD XXX Estimated Escrow amount of $XXX. | 04/28/22 Client provided a copy of the Initial XXX CD. Condition remains. The Final CD Estimated Escrows reflects $XXX, however the Initial Escrow Account Disclosure Statement reflects $XXX. Lender to provide a corrected IEADS. (First Payment Letter in file matches the Final CD amount)05/04/22 Client provided the corrected IEADS. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at the current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has XXX years at their current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score of XXX exceeds the Program Guidelines of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is lower than the Program Guidelines of XXX%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have XXX years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months PITI reserves |
| 408071817 | Zero tolerance in amount of $XXX due to increased Credit Report fee with no valid reason stated on COC XXX. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/10/22 Client provided a XXX Post CD with $XXX PR cure, LOE and payment history reflecting the PR deposit. Condition remains for the delivery method for the Post CD and LOE.05/12/22 Client provided the tracking for the XXX documents.05/13/22 Client provided the missing, Initial Broker LE. Fee re-baseline testing performed and an additional Zero Tolerance violation of $XXX occurred due to the increased/added fees on the Revised XXX LE without a valid COC in file. Provide the missing COC for the XXX LE for review. Additional conditions may apply, including refund to borrower.05/24/22 Client provided an LOE and XXX COC that increased fees to include Lender amounts. Upon review by internal Compliance counsel, the condition remains. If a mortgage broker issues any disclosure required under 1026.19(e) in the creditor's place, the creditor remains responsible for ensuring that the requirements of 1026.19(e) have been satisfied. Valid COC or a rejection of Broker LE was not provided. Additional clarification regarding program changes required, or Borrower is due a refund of $XXX, Post CD with cure, LOE to borrower and proof of delivery that includes tracking information.05/27/22 Client provided a duplicate copy of the Initial Broker LE and the LOE. Condition remains. If a mortgage broker issues any disclosure required under 1026.19(e) in the creditor's place, the creditor remains responsible for ensuring that the requirements of 1026.19(e) have been satisfied. Valid COC or a rejection of Broker LE was not provided. Additional clarification regarding program changes required, or Borrower is due a refund of $XXX, Post CD with cure, LOE to borrower and proof of delivery that includes tracking information.06/08/22 Client provided another copy of the 3/22 COC. Condition remains. Additional clarification regarding program changes required, or Borrower is due a refund of $XXX, Post CD with cure, LOE to borrower and proof of delivery that includes tracking information.06/16/22 Client provided an Email from Lender stating the borrower requested a change from lender-paid compensation to borrower-paid compensation which is why the $XXX fee name was changed. Condition remains. The prior LE reflected $XXX as borrower-paid Discount Points, not lender-paid (no credits stated either). Further explanation is required, with additional clarification regarding program changes (subject to review by internal Compliance counsel), or Borrower is due a refund of $XXX, Post CD with cure, LOE to borrower and proof of delivery that includes tracking information.06/22/22 Client provided an additional Email from Lender stating the original LE showing points as lender paid compensation included (part of the lock) as a LLPA. When the COC was completed as borrower paid, it is no longer part of the lock LLPA, instead the fee name is origination because it would not be included as part of the discount lender credit. COC was provided showing the LPC to BPC. Upon review by internal Compliance counsel, lender to provide supporting documentation/internal notes that documents the conversation with the borrower that led to the change of program as stated on the COC. Additional conditions may apply.06/23/22 Client provided Email rebuttal for review. Internal Compliance counsel has agreed to validate the Points change to Origination Fee on the Revised XXX LE. Remaining cure required is $XXX. Provide borrower with a refund of $XXX, Post CD with cure, LOE and proof of delivery that includes tracking. 07/01/2022 Client provided PCCD 6/30 with additional Principal Reduction, LOE and payment History. condition remains for delivery. 07/08/22 Client provided the pay history & email rebuttal stating no delivery is needed as the refund was credited via PR on the pay history. Condition remains. Provide the delivery method for the XXX Post CD and LOE.07/13/22 Client provided proof of e-delivery on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at the current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has XXX years at their current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score of XXX exceeds the Program Guidelines of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is lower than the Program Guidelines of XXX%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have XXX years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months PITI reserves |
| 408071817 | Missing disposition of the XXX Property as indicated on the Schedule E of the 1040. | 5/2 Client provided evidence the XXX property was sold in XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at the current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has XXX years at their current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score of XXX exceeds the Program Guidelines of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is lower than the Program Guidelines of XXX%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have XXX years at the current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX months PITI reserves |
| 408071824 | Not all required seller-paid fees including RE Commission fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408071824 | Zero tolerance in amount of $XXX due to Lender's credit decreased from initial CD XXX to final CD XXXwithout a valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided revised CD XXX reflecting decrease of Lender credit due to Lock extension. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408071824 | Provided HOI policy effective date XXX is past the Note date XXXPlease provide HOI policy with effective date on or before XXX | XXX Client provided exception approval for HOI effective date of XXX and Note and disbursement date of XXX | Exception approved, B Grade | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408071829 | Missing Master Policy | 5.4.2022 Client provided subject Condo Master Policy | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: borrower DTI XXX% Max XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum required XXX borrower has XXX |
| 408071829 | Missing valuation | 5.4.2022 Client provided UCDP SSR Report with CU Score XXX; Lender have variance to allow for CU Score of XXX or less in lieu of CDA | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: borrower DTI XXX% Max XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Minimum required XXX borrower has XXX |
| 408071833 |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total reserves $XXX, months PITI reserves (Qual Rate): XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calculated DTI of XXX% is below guideline requirement. |
| 408071836 | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX & PCD XXX; Seller's CD in file & able to test. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative Credit Score XXX |
| 408071836 | Note date XXX CD Disbursement date XXX Hazard Effective date XXX | 4/28 Client provided approved exception for HOI effective date | Final grade B | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Representative Credit Score XXX |
| 408071856 | Ten percent tolerance of $XXX due to Government recording fees on XXX without a valid reason in file. Provided COC PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via method including tracking information within XXX days of consummation. | XXX Client provided a XXX Post CD with cure, LOE, refund check and tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years in same line of work.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower credit score is XXX. Minimum score is 700.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Borrower mortgage history is 0x30. |
| 408071856 | Per guidelines, provide the following for use of rental income on departing primary residence: Copy of current lease agreement (met, in file), copy of security deposit and evidence of deposit to borrowers account. May be subject to additional conditions upon review | XXX Client provided a snapshot of a guidelines stating in lieu of a current lease agreement will accept Form 1007 or Form 1025 Response, Client provided duplicate (in file) Form 1007 and Agree guidelines states (regarding departure home) in leu of current lease agreement Form 1007 or Form 1025 is acceptable however still missing evidence of security deposit and evidence deposited into borrower's account. Condition remains for missing evidence of security deposit and evidence deposited into borrower's accountXXX Client requested a review; upon review the File has form 1007 supporting $XXX monthly rent, security deposit is not required when using form 1007 | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years in same line of work.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Borrower credit score is XXX. Minimum score is 700.<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Borrower mortgage history is 0x30. |
| 408071858 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: credit score of XXX above minimum of XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B2 XXX years same lien of work |
| 408071865 | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS1739: Positive mortgage payment history<br> - XXX Comments: Positive mortgage payment history of XXX months 0/30. |
| 408071876 | file is missing a VOR meeting guidelines for the prior XXX months per 1003 for residence history at XXX | 7/14 Client provided approved exception for missing rental history for prior XXX months | Final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years same XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score exceeds the XXX minimum |
| 408071876 | Insurance effective date is XXX and Funding date is XXX Provide insurance effective on or prior to XXX | 7.7.2022 Client provided exception approval for HOI effective date XXX and disbursement date XXX | Exception approved, B Grade | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years same XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score exceeds the XXX minimum |
| 408071876 | File is missing a CDA supporting the appraised value | 7/12 Client provided a CDA supporting the appraised value with a XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years same XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score exceeds the XXX minimum |
| 408071988 | Not all required seller-paid fees were disclosed on the final CD. | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has been in business for XXX years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned the departing property for XXX years. |
| 408071988 | Balance sheet missing for self-employment business (received P &Ls) | 5.19.2022 Client provided exception approval for missing end of year 2021 Balance Sheet for XXX business | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has been in business for XXX years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned the departing property for XXX years. |
| 408071991 | Missing XXX months Bank Statements for the XXX Account #XXX. Only XXX month bank statement is in the file. | 4/28/2022 - Client provided bank statement printout covering XXX months for the XXX Acct #XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX month at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408071998 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has worked XXX years at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has worked XXX years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qual score- XXX; Program min- XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calc DTI- XXXX%; Program max- 45% |
| 408072011 | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX, corrected on Pccd dated XXX. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or ($XXX X XXX= $XXX)+ XXX Months for Additional REO or ($XXX X XXX= $XXX) |
| 408072026 | Ten percent tolerance in amount of $XXX due to increased title fees with no valid COC in file. Borrower has selected title provider from SPL and all title fees including Recording fee are tested for 10% tolerance. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/01/22 Client provided a XXX Post CD with cure, LOE, tracking and pay history reflecting a PR cure deposit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have been owning XXX >XXX years. |
| 408072026 | DTI XXX% exceeds maximum allowed DTI XXX% for Choice QM \*\*all income, rental income and debt calculations are close to lender's calculation except 1008 does not show the full amount of debts. 1008 total debt $XXX/XXX=XXX% DTIXXX calculation total debt $XXX/XXX income (XXX $XXX+ rental income $XXX=XXX) =XXX% | 6.3.2022 Client provided Lender LOX and with review of lender LOX appears the property PITI of $XXX was included as a 2nd home PITIA payment however per 1003 is Investment, with using this full PITI payment of $XXX with the other rental properties calculation updated DTI is now XXX% and Lender DTI of XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have been owning XXX >XXX years. |
| 408072033 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX minimum required borrower has XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: max DTI allowed XXX% borrower has XXX% |
| 408072073 | Borrower is purchasing primary residence while requesting to exclude PITI from marital property at XXX as ex-spouse awarded property in divorce settlement and held responsible for payments. Borrower has not resided at premises and retained residence in a rental property, satisfactory VOR provided. | Client provided exception approval to exclude PITI from post marital residence. | Final grade B. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months PITI or Cash Reserves $XXX Less XXX $XXX |
| 408072081 | Final CD reflects escrow hold back in the amount of $XXX (Landscaping) and $XXX (appliances) and file have an executed copy of escrow holdback agreement (pg. 855/857) for these amount however missing evidence of release of escrowed funds. Provide evidence of release of escrowed funds $XXX and $XXX for total of $XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: good credit history Revolving/Installments 0x30x60x99<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has a significant time in profession of XXX years |
| 408072081 | Seller-paid fee that should be disclosed in Sections C is not disclosed on Final CD XXX-2; Seller's CD in file & able to test. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: good credit history Revolving/Installments 0x30x60x99<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has a significant time in profession of XXX years |
| 408072081 | File have 1004D in file for subject being completed per plans and specs however also states front yard landscaping which the builder estimates less than $XXX to complete Spring XXX and 1004D comments at final inspection the appliances were not on the property and were not installed, this has been escrowed at estimated XXX; Missing 1004D with front yard landscaping and installation of appliances | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: good credit history Revolving/Installments 0x30x60x99<br>CFCFS2854: Significant time in profession<br> - XXX Comments: borrower has a significant time in profession of XXX years |
| 408072094 | Seller fees listed on Seller CD but not Borrower final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX with XXX for XXX Years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Co borrower has been in the same line of work for XXX years |
| 408072094 | Zero tolerance in the amount of $XXX as Credit Report fee increased with no COC in file to support it. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/16/22 Client provided a XXX Post CD with cure, LOE, refund check and tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been XXX with XXX for XXX Years<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Co borrower has been in the same line of work for XXX years |
| 408072127 |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Total reserves $XXX Reserve required per AUS: $XXX Months PITI reserves (Qual Rate): XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Calculated LTV of XXX% is below guideline requirement.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been on current job since XXX. |
| 408072128 | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. | (No Data) | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has 0 lates on current and previous mortgages |
| 408072128 | 3rd party report shows foreclosure on XXX within past XXX years XXX. Provide documentation that borrower does not have foreclosure | 6.1.2022 Client provided AIN Summary for property: XXX #XXX with no info for year defaulted | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has 0 lates on current and previous mortgages |
| 408072128 | Provide most recent 2 years 1040 or W2 Tax Transcripts | 6.1.2022 Client provided exception approval for missing two (2) years W2 transcripts | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has 0 lates on current and previous mortgages |
| 408072129 | MISSING TWO YEARS OF TAX TRANSCRIPTS FOR BOTH BORROWERS | 5/9 Client provided an approved exception to allow the file without the Transcripts, based on newest guidance | XXX final grade is b | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Good credit history Revolving/Installment accounts 0x30x60x99<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX above guides of XXX |
| 408072137 | Subject final CD in loan file reflects two (2) escrow completion holdback $XXX and $XXX; loan file have a 1004D however states all work not completed. Provide the following: (1). Executed copy of Escrow Agreement (2). 1004D reflecting all escrow work completed (3). provide evidence of release of escrowed holdback funds totaling $XXX ($XXX and $XXX) | XXXClient provided executed escrow agreement for the amount of $XXX for landscaping package however (1). missing the additional escrow holdback agreement for the amount of XXX (2). missing 1004D reflecting all escrow work completed (3). provide evidence of release of escrowed holdback funds totaling $XXX ($XXX and $XXX)XXX Client provided additional executed escrow hold back agreement in the amount of $XXX (for XXX); condition remains (1). missing 1004D reflecting all escrow work completed: Landscaping and Double Oven (2). provide evidence of release of escrowed holdback funds totaling $XXX ($XXX and $XXX)XXX Client provided evidence of release of escrowed funds of $XXX however missing evidence of other escrowed amount of $XXX; and provided the 1004D with landscaping completion and double oven installed in kitchen. condition remains for evidence of release funds of $XXXXXX Client provided evidence of release of the other escrowed funds of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX below requirement of XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: co borrower has a significant time in job of XXX years XXXmonths |
| 408072139 | Zero tolerance occurred in the amount of $XXX due to % Loan Amount Points increased for the borrower on the CD without a valid COC in file to validate the increase or Rate Lock extension. No cure provided on final CD. Condition pending receiving Post CD reflecting Lenders Cure, LOX, Refund of $XXX and Proof of Delivery with tracking. | 07/18/22 Client provided duplicate copies of the XXX COC and LE, and the Revised XXX CD with a missing COC for the Points increase from $XXX to $XXX(Lock Extension). Condition remains. There was a prior Points increase on the Revised XXX CD that does not have any corresponding COC in file. Provide the missing COC for the XXX CD for further testing.07/19/22 Client provided the Initial XXX Lock reflecting Expiration on XXX and the XXX Revised Lock that reflects the XXX Lock Extension pricing adjustment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qual score- XXX; Program min- XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calc DTI- XXX%; Program max- XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Months PITI Reserves (Qual Rate)- XXXRequired Reserve: XXX months pitia subject Available Reserves: $XXX |
| 408072139 | Provide proof that HELOC on subject property has been paid and closed to future draws | 7.20.2022 Client provided executed by borrower requesting closure of HELOC w/XXX Note: There were two (2) HELOCs paid off with XXX(#XXX and #XXX), Letter do not reflect account numbers however do say closure of HELOC w/XXX. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qual score- XXX; Program min- XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calc DTI- XXX%; Program max- XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Months PITI Reserves (Qual Rate)- XXXRequired Reserve: XXX months pitia subject Available Reserves: $XXX |
| 408072139 | CDA supports appraised value, however report not scanned in properly, comp pages are cut off. Provide full CDA, all complete pages. | 7/11 Client provided all pages of valuation | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qual score- XXX; Program min- XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calc DTI- XXX%; Program max- XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Months PITI Reserves (Qual Rate)- XXXRequired Reserve: XXX months pitia subject Available Reserves: $XXX |
| 408072264 | Per the XXX Report, the loan was Locked on XXX but no LE was found in file. Also, the Report indicates a Revised LE was delivered on XXX and an Initial CD was delivered on XXX. File is missing these additional disclosures as well, along with all applicable Rate Lock/COC forms. Provide the missing disclosures, Lock and COC's for further testing. | 05/25/2022 Client provided missing LE XXX with e-consent dated XXX with COC reflecting appraisal fee increase due to location of the Property, also provided missing LE XXX with COC XXX reflecting increase of Points due to pricing adjustment for Rate, LTV and Fico score and COC dated XXX reflecting increase of Points due to pricing adjustment for Rate, LTV and Fico score on CD XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in current LOB for XXX years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower in departing residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower meets guidelines for reserves of $XXX or XXX months PITIA with $XXX in excess reserves. |
| 408072264 | The Seller CD reflects additional closing costs that were not reflected on the borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in current LOB for XXX years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower in departing residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower meets guidelines for reserves of $XXX or XXX months PITIA with $XXX in excess reserves. |
| 408072264 | File contains only the Final XXX CD (signed XXX). Per the XXX Report, the Initial CD was delivered electronically on XXX. Provide the missing XXX CD for further testing. | 05/25/2022 Client provided missing Initial CD XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in current LOB for XXX years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower in departing residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower meets guidelines for reserves of $XXX or XXX months PITIA with $XXX in excess reserves. |
| 408072264 | File contains only the Final XXX CD (signed XXX). Per the XXX Report, the Initial CD was delivered electronically on XXX. Provide the missing XXX CD for further testing. | 05/25/2022 Client provided missing Initial CD XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in current LOB for XXX years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower in departing residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower meets guidelines for reserves of $XXX or XXX months PITIA with $XXX in excess reserves. |
| 408072264 | Zero Tolerance testing failed by $XXX($XXX for the Appraisal Fee increase and $XXX for the Points increase). Per the XXX Report, the loan was Locked on XXX but no LE was found in file. Also, the Report indicates a Revised LE was delivered on XXX and an Initial CD was delivered on XXX. File is missing these additional disclosures as well, along with all applicable Rate Lock/COC forms. Provide the missing disclosures, Lock and COC's for further testing. | 05/25/2022 Client provided missing LE XXX with e-consent dated XXX with COC reflecting appraisal fee increase due to location of the Property, also provided missing LE XXX with COC XXX reflecting increase of Points due to pricing adjustment for Rate, LTV and Fico score and COC dated XXX reflecting increase of Points due to pricing adjustment for Rate, LTV and Fico score with no change from last LE. Retesting results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in current LOB for XXX years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower in departing residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower meets guidelines for reserves of $XXX or XXX months PITIA with $XXX in excess reserves. |
| 408072264 | Provide HOI with sufficient coverage | 6/3 Client provided sufficient hazard coverage | satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in current LOB for XXX years.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower in departing residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower meets guidelines for reserves of $XXX or XXX months PITIA with $XXX in excess reserves. |
| 408072266 | Real Estate commission listed on Seller CD but not Borrower Final CD. | (No Data) | Condition Satisfied. Real Estate Commissions has been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has worked XXX years at current job<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has worked XXX years in same profession<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calc DTI- XXX%; Program max- XXX% |
| 408072266 | Seller fees listed on Seller CD but not Borrower Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has worked XXX years at current job<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has worked XXX years in same profession<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calc DTI- XXX%; Program max- XXX% |
| 408072266 | CD XXX is only CD in file. File is Missing Initial CD Provide Initial CD disclosed to and acknowledged by borrowers at least XXX business days prior to consummation | 05/25/2022 Client provided Initial XXX CD sent and received by e-signature in file and E-sign process summary. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has worked XXX years at current job<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has worked XXX years in same profession<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calc DTI- XXX%; Program max- XXX% |
| 408072266 | CD XXX is only CD in file. File is Missing Initial CD Provide Initial CD disclosed to and acknowledged by borrowers at least XXX business days prior to consummation | 05/25/2022 Client provided Initial XXX CD sent and received by e-signature in file and E-sign process summary. | Condition Satisfied, | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has worked XXX years at current job<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has worked XXX years in same profession<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calc DTI- XXX%; Program max- XXX% |
| 408072266 | LE dated XXX confirmed receipt is eSigned by borrowers, no evidence of a XXX or eConsent within 3 days of LE. | 05/25/2022 Client provided e-sign summary for LE reflecting e-consent for both Borrowers. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has worked XXX years at current job<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has worked XXX years in same profession<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calc DTI- XXX%; Program max- XXX% |
| 408072293 | Final CD XXX is missing page 2 and unable to test fee tolerance. Condition is pending receiving complete disclosure for further testing. Additional conditions may apply. | 05/26/22 Client provided all pages to the Final CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at current job for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower2 in current LOB for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers meet guidelines for reserves of $XXX or XXX months PITIA and XXX months other properties $XXX with $XXX in excess reserves. |
| 408072293 | Zero tolerance in amount of $XXX due to increase in Appraisal fee from $XXX to $XXX with no valid COC in file. COC dated XXX does not specify a reason why fee was increased to $XXX and COC XXX with Appraisal increase to $XXX was not disclosed within XXX days of discovery - Appraisal date is XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/26/22 Client provided a revised copy of the XXX COC, adding "due to jumbo product" for change in Appraisal Fee from $XXX to $XXX. Condition remains. Both the XXX COC and XXX COC state Jumbo Product is the reason for the Appraisal Fee increases, however this is not a valid change reason for this charge. Provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information.06/01/22 Client provided a XXX Post CD with cure, LOE, refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been at current job for XXX years.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower2 in current LOB for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers meet guidelines for reserves of $XXX or XXX months PITIA and XXX months other properties $XXX with $XXX in excess reserves. |
| 408072307 | Zero percent tolerance fee of $XXX for increase in Lender Discount Points on LE XXX with no COC / Rate Lock extension in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | XXX Client provided COC XXX reflecting Lock extension reason for increase of Points on LE XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is 32 points above the XXX FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required. |
| 408072350 | Zero tolerance in amount of $XXX due to increased CDA fee on CD XXX. COC dated XXX in file does not specify a reason why fee was increased. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund | 05/17/22 Client provided a copy of the CDA invoice and email LOE from the Lender stating they received the invoice dated XXX reflecting the amount of $XXX, and increase was disclosed within XXX business days. Condition remains. The email does not provide an explanation for why the fee was increased. Provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery.05/20/22 Client provided a XXX COC indicating the increase was due to a Rush request. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject property and XXX months for the other REO.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence for B2 of XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has significant time at current job of XXX years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession of XXX years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Rental/Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408072350 | Missing updated valuation | 5.13.2022 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance (within XXX% tolerance) | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject property and XXX months for the other REO.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence for B2 of XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has significant time at current job of XXX years<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI at XXX% below guideline requirement of XXX%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession of XXX years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Rental/Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408072352 | Seller fees listed on Seller CD but not Borrower final CD. | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408072352 | Zero Tolerance Fee of $XXX due to (Appraisal Desk Review Fee $XXX) increased from LE XXX to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 05/06/2022 Client provided COC XXX reflecting increase of appraisal fee due to Appraisal review required for loan program approval. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408072352 | The Note, Deed of Trust, and Appraisal indicates the property address is XXX; however, the Preliminary Title, Purchase Contract, Hazard Insurance, and Flood Certificate indicates the property address is XXX. | 5/19 Client provided corrected Deed of Trust and PCCD showing address as XXX not XXX however (1). Note, appraisal, CDA, UCDP, 1008 also need correcting to XXX and (2). will need Lender Letterhead of intent to re-record Mortgage with correct address of XXX. 5.26.2022 Client provided updated documents: appraisal, 1008, with address of XXX and the UCDP XXX SSR report still have XXX vs XXX. Condition remains: (1). missing Note, CDA and UCDP XXXSSR report reflecting street name of XXX vs XXX and (2). missing signed Letterhead from Lender stating intent to re-record Mortgage with street name XXX. 5/31 Client provided CDA and UCDP FNMA SSR report reflecting street name of XXX vs XXX and signed Letterhead from Lender stating intent to re-record Mortgage with street name XXX.; condition remains for corrected NOTE with street name XXX6.2.2022 Client provided updated executed (by borrower) Note with subject street name XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program. |
| 408072367 | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX exceeds guides of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: borrower has been in the same job since XXX |
| 408072367 | Condition added with removing monthly payment of $XXX auto debt, business pays. Missing most recent XXX months consecutive evidence business pays this monthly auto debt. Updated DTI is XXX% (same as Lender 1008) with removing this debt | 6/1 Client provided business statement to support XXX months payments to XXX $XXX, however business statement #XXX has no business name to support who is making payments, condition remains6/1/2022 Client provided XXX #XXX business bank statement verifying 1 payment of business making payment of auto w/XXX #XXX $XXX and provided payment history from XXX - XXX verifying business making the monthly payment on this auto w/XXX, removed from DTI | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of XXX exceeds guides of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: borrower has been in the same job since XXX |
| 408072377 | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX.. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408072377 | Ten percent tolerance $XXX due to increase in Recording Fee from $XXX to $XXX without valid COC in file. Lender provided $XXX cure however an additional refund of $XXX is required. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund | 05/31/2022 Client provided PCCD XXX, $XXX cure check to cover $XXX for XXX% and $XXX for zero tolerance, LOE to Borrower and shipping label not yet shipped. Condition remains for delivery. 06/02/2022 Shipping Label now in transit status. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408072377 | Zero Tolerance of $XXX due to the increased of Appraisal Fee. COC dated XXX in file is not stating a reason why fee was increased therefore it's not a valid COC. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund | 05/31/2022 Client provided PCCD XXX, $XXX cure check to cover $XXX for XXX% and $XXX for zero tolerance, LOE to Borrower and shipping label not yet shipped. Condition remains for delivery. 06/02/2022 Shipping Label now in transit status. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408072377 | Provide either Deed or Title Commitment showing vesting | 5.17.2022 Client provided title commitment with vesting matching Mortgage Deed of Trust | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408072377 | Provide legal description from DOT | 5.17.2022 Client provided title commitment with vesting matching Mortgage Deed of Trust and provided legal description Exhibit "A" to the Deed of Trust Mortgage | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408072392 | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX below guidelines of XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: significant time in profession of XXX years<br>CFCFS2860: Good credit history<br> - XXX Comments: good credit history Revolving/Installments account 0x30x60x99 |
| 408072392 | missing hazard insurance | Client provided the HOI | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX below guidelines of XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: significant time in profession of XXX years<br>CFCFS2860: Good credit history<br> - XXX Comments: good credit history Revolving/Installments account 0x30x60x99 |
| 408072392 | Missing updated valuation | 5/19 Client provided valuation that supports the appraisal value | satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX below guidelines of XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: significant time in profession of XXX years<br>CFCFS2860: Good credit history<br> - XXX Comments: good credit history Revolving/Installments account 0x30x60x99 |
| 408072394 | Ten percent tolerance in amount of $XXX due to increased or added title fees on XXX with no COC in file. Borrower selected title provided from SPL and all title fees including recording fee are tested for tolerance. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/02/22 Client provided a duplicate copy of the XXX COC. Condition remains. The change reason (rate locked) is not a valid reason for the Title fee increases. 06/07/22 Client provided a copy of the Lock. Condition remains. A rate lock is not a valid reason for the Title fee increases.06/10/22 Client provided an Email with Seller rebuttal stating title name is the same but it's a different location. Upon review by internal Compliance team, fees can be tested as unlimited. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines minimum score<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% is below guideline maximum DTI |
| 408072394 | Credit reports dated XXX are stale dated to Note date XXX(exceeds XXX days limit). | 05/27/2022 Client provided approved expiration of credit docs exceed guidelines (no greater than XXX days). | XXX initial and Final grade of B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines minimum score<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% is below guideline maximum DTI |
| 408072394 | Missing 3rd party valuation ordered by XXX | 6.6.2022 Client provided a snip shot of appraisal guidelines however appears to be from the Select AUS guidelines, subject transaction was underwritten to Select QM which require 3rd party CDA valuation (no variance to use CU Score for this Lender). Condition remains for 3rd party CDA valuation supporting value. 6/16 Client provided valuation that supports the appraisal value | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines minimum score<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of XXX% is below guideline maximum DTI |
| 408072403 | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXXRequired:XXX months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work |
| 408072403 | Final CD XXX, in Loan Disclosures section, selection not indicated whether an Escrow Account was declined vs. not offered; Corrected PCD & LOX missing. | 05/17/22 Client provided a XXX Post CD correcting error and LOE to borrower. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXXRequired:XXX months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work |
| 408072403 | CDA supports appraised value, however not scanned in properly - comp pages are cut off. Provide full CDA report, all complete pages. | 5/16 Client provided complete pages of valuation | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXXRequired:XXX months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work |
| 408072438 | Per title commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used. | 05/23/2022 Client provided an exception approval for using incorrect ROR form | 05/23/2022 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months non-liquid are present.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI AT XXX% below guideline requirement<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job of XXX years<br>CFCFS1747: Housing expense increase is 10% or less<br> - XXX Comments: Housing expense increase is XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408072438 | Voluntary Same-Lender Debt disclosure not provided to borrower | 05/24/22 Client provided the signed Voluntary Same-Lender Debt Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months non-liquid are present.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI AT XXX% below guideline requirement<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job of XXX years<br>CFCFS1747: Housing expense increase is 10% or less<br> - XXX Comments: Housing expense increase is XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408072438 | Initial TX EQ Notice Concerning Extensions of Credit missing; although TX EQ Doc Receipt Disclosure includes this notice, it indicates signed date of the closing date - not compliant. | 05/24/22 Client provided the signed Notice Concerning Extensions of Credit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months non-liquid are present.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI AT XXX% below guideline requirement<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job of XXX years<br>CFCFS1747: Housing expense increase is 10% or less<br> - XXX Comments: Housing expense increase is XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408072438 | The max LTV for cash-out for this loan amount is XXX%. | 5/26 Client provided an approved exception to allow the file with a XXX% LTV | XXX final grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months non-liquid are present.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI AT XXX% below guideline requirement<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job of XXX years<br>CFCFS1747: Housing expense increase is 10% or less<br> - XXX Comments: Housing expense increase is XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408072438 | Missing updated valuation | 5.24.2022 Client provided XXX Property Report with risk score XXX; condition remains for 3rd party CDA valuation or if using the XXX UCDP SSR report please provide. 5/25 Client provided UCDP report with score of XXX | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are $XXX for XXX months. Required reserves are XXX months for the subject and XXX months non-liquid are present.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI AT XXX% below guideline requirement<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence of XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job of XXX years<br>CFCFS1747: Housing expense increase is 10% or less<br> - XXX Comments: Housing expense increase is XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of XXX months exceeds guidelines of XXX months |
| 408072446 | Seller fees listed on Seller CD but not Borrower Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High fico XXX. |
| 408072449 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B2 : XXX years same line of work<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408072499 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX vs XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: reserves of $XXX available; per guidelines: $XXX required |
| 408072520 | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX. | (No Data) | Sourced on Seller CD. Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years XXX months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required. |
| 408072520 | Borrower is an employee of the originating lender. Missing evidence of employee loan program. | 6/9 Client provided employee loan program | satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has XXX years XXX months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required. |
| 408072572 | The Seller CD and Settlement Statement reflect additional closing costs paid by Seller that were not disclosed on the Borrower's Final CD, including the RE Commission Fees. | (No Data) | Condition Satisfied. All Seller fees and Commissions have been sourced on the Seller CD/Settlement Statement and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Low LTV/CLTV/HLTV XXX% Guidelines allow XXX%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or ($XXX X XXX= $XXX) |
| 408072572 | The Initial LE was e-signed on XXX, however the earliest accepted e-consent in file was XXX(Certificate of Completion form). Provide the borrower's e-consent on/prior to XXX. | 06/01/22 Client provided the XXX e-sign summary reflecting the XXX e-consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Low DTI XXX% Guidelines Require XXX%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Low LTV/CLTV/HLTV XXX% Guidelines allow XXX%<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or ($XXX X XXX= $XXX) |
| 408072581 | Zero Tolerance testing failed by $XXX due to the addition of Extension Fee on CD XXX without valid Change Reasons documented in the file. No evidence of a cure Credit at Closing, please provide COC reflecting valid reason for change or a corrected Post CD with cure, Copy of cure check, LOE to Borrower and proof of delivery via shipping that includes tracking information. | 06/15/22 Client provided the XXX COC reflecting the Lock Extension. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calculated DTI of XXX% is below guideline requirement.<br>CFCFS2860: Good credit history<br> - XXX Comments: Minimal credit user with no collections or public records reported and minimal credit inquiries per credit report. |
| 408072581 | Provide gift letter | 6.14.2022 Client provided executed copy of Gift Letter in the amount of $XXX and copy of wire funds transfer, in addition subject final CD reflect these gift funds of $XXX; borrower cash to close is $XXX and own XXX% into transaction is $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying credit score of XXX exceeds guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Calculated DTI of XXX% is below guideline requirement.<br>CFCFS2860: Good credit history<br> - XXX Comments: Minimal credit user with no collections or public records reported and minimal credit inquiries per credit report. |
| 408072594 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score, XXX minimum per guides |
| 408072594 | Loan is NAL.Guides:Borrower is the employee of the originating lender and the lender has an established employee loan program. Evidence of employee program to be included in loan file - provide. | 7.7.2022 Client provided copy of Lender employee loan policy for loan file | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score, XXX minimum per guides |
| 408072594 | Page 83 combined file shows XXX payment to XXX, and states 'loan', in memo line of check. Provide documentation supporting what this payment is, and provide documentation supporting monthly payments if applicable. May be subject to additional conditions upon review, including DTI recalc | 6/30 Client provided evidence the funds marked loan were the proceeds of a loan already included in the borrowers qualifying ratios | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score, XXX minimum per guides |
| 408072594 | Missing requires residual income calc | 6/9/22 client provided exception for: Residual income missing. Okay to use DD firm calculation as long as it is within program requirements for minimum residual | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score, XXX minimum per guides |
| 408072594 | Commission income > XXX% of overall income Per guidelines, provide most recent 2 years 1040s, all pages, meeting guidelines. May be subject to additional conditions upon review | 6/30 Client provided partial un-signed 2020 1040s pages 32-48 came over blank; Provide complete signed 2020 and 2021 1040s all pages; additional conditions may apply7/19 Client provided same unsigned as prior, 1-31 pages 32-48 are blank, condition remains7/27 Client provided 2020/2019 1040s with signature pages | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score, XXX minimum per guides |
| 408072594 | Provide Missing updated valuation Value not yet supported May be subject to additional conditions upon review | 6/30 Client provided a CDA supporting the appraised value with a XXX% Variance | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score, XXX minimum per guides |
| 408072602 | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: significant time in profession of XXX years<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: borrower has a significant time in current job since XXX |
| 408072609 | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Final CD XXX & PCD XXX; Seller's CD in file & able to test. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Required Reserves: $XXX. Verified $XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV |
| 408072609 | Provide VVOE dated within 10 business days prior to Note date. Have VOE dated XXX and XXX. Note date is XXX | 6/2 Client provided rebuttal, however VOE prior to close is dated XXX, not within XXX business days prior to note date of XXX, provide VOE dated within 10 days prior to note date6/2 Client provided an approved exception to allow the file with a VOE dated prior to close but outside XXX days from the Note date | XXX final grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Required Reserves: $XXX. Verified $XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV |
| 408072645 | Seller paid title fees for Courier $XXX, Processing $XXX, and Signing Service $XXX found on the Seller CD were not found on the Borrower Closing CD XXX. On the Post Closing CD XXX the Processing and Signing Service fees were disclosed, but the Courier fee was still omitted. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV- XXX%; Program max- XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qual score- XXX; Program min- XXX<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: 0x30 for XXX months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 0x30 for XXX months |
| 408072645 | Maximum DTI allowed per program guideline is XXX% | (No Data) | Additional LLPA may apply with DTI over XXX%. Seller to confirm with XXX LLPA if DTI over XXX% is accurate. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV- XXX%; Program max- XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qual score- XXX; Program min- XXX<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - XXX Comments: 0x30 for XXX months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 0x30 for XXX months |
| 408072649 | File is missing updated QM determination | 8/5 Client provided an approved exception to accept the DD determination of QM RP | XXX final grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job |
| 408072649 | DD Firm DTI is XXX% and Lender DTI is XXX%; difference in DTI appears to be subject monthly taxes, lender is using $XXX taxes and DD Firm is using XXX% (XXX property) taxes of $XXX DTI of XXX% exceeds guidelines. | 8.4.2022 Client provided duplicate in file (pg. 1431/1432) subject tax bill along with lender property tax calculator stating tax percentage used was XXX% and showing qualifying amount actual is XXX% of purchase price for a monthly of $XXX(which was base on a sales price of $XXX) however sales price have been decreased to $XXX; monthly taxes on new sales price of $XXX x XXX% is $XXX/$XXX monthly. Condition remains DD Firm DTI is XXX% and Lender DTI is XXX%; difference is calculation of subject taxes, DD firm used XXX% (XXX property). 8/5 Client requested a review; upon review client provided documentation of actual 2021/2022 County tax rate XXX%; PITIA recalculated; updated DTI is XXX%; | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job |
| 408072649 | Subject is 2nd Home with DTI exceeding guidelines maximum of XXX% exception not yet applied due to other outstanding conditions on file | 8.4.20.2022 Client provided taxes for subject property however waiver not yet applied due to other outstanding conditions on file. 8/5 Client provided 2021/2022 subject County tax rate; PITIA recalculated; updated DTI is XXX%; Pre approved exception applied | XXX final grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job |
| 408072649 | Non Warrantable Condo - Missing Condo Budget (per guidelines) | 8.9.2022 Client provided a document with income, expenses etc. however document do not have a name of what this document is. Condition remains for Condo Budget 8.10.2022 Client provided subject Condo Budget | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job |
| 408072649 | Subject 2nd Home Condotel (Non Warrantable Condo) waiver not applied due to outstanding conditions on file | 8/5 Client provided updated tax rate; DTI recalculated to XXX%; exception applied for Non warrantable condo | XXX final grade is B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job |
| 408072668 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower 2 has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or ($XXX X XXX= $XXX)+ XXX Months for Additional REO or ($XXX X XXX= $XXX) |
| 408072668 | Missing subordination agreement including Note for 2nd Mtg | 5/31 Client provided rebuttal, however title does not indicate the HELOC is in 2nd position, current note date for 1st is XXX and note date for HELOC is XXX, condition remains for final settlement statement to support HELOC in 2nd position. 6/9 Client provided evidence subject mortgage was recorded XXX and HELOC recorded XXX | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower 2 has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or ($XXX X XXX= $XXX)+ XXX Months for Additional REO or ($XXX X XXX= $XXX) |
| 408072686 | Cash require to close is $XXX. Liquid assets are $XXX. Borrowers are short funds to close by $XXX. | 7/7 Client provided an Email ; upon review the Gift letter in file indicates the Gift of $XXX was provided for the pay off IRS debts and is dated prior to application date; IRS payoffs totaled less than the Gift; remainder of the gift $XXX deducted from assets; Sufficient assets verified | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower is on job since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score is XXX. Minimum score is XXX. |
| 408072686 | Required reserves needed are $XXX. Short reserves of $XXX. | 7/7 Client provided an Email ; upon review the Gift letter in file indicates the Gift of $XXX was provided for the pay off IRS debts and is dated prior to application date; IRS payoffs totaled less than the Gift; remainder of the gift $XXX deducted from assets; Sufficient assets verified | condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower is on job since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score is XXX. Minimum score is XXX. |
| 408072686 | Two months bank statements are required for XXX #XXX and #XXX. | 7/6 Client provided an Email; upon review the file has the XXX opening statement of XXX #XXX and #XXX with funds transferred from XXX accounts with 2 months statements in file | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower is on job since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score is XXX. Minimum score is XXX. |
| 408072686 | Required hazard is $XXX. Per hazard, coverage is $XXX. | 7/8 Client provided a letter from the insurance company indicating the property is insured for the amount equal to the replacement cost estimate | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower is on job since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower credit score is XXX. Minimum score is XXX. |
| 408072716 | DTI XXX% | XXX Client requested a review; upon review the Supported monthly income per checks in file is $XXX; DTI remains XXX | Satisfied Additional LLPA may apply with DTI over XXX%. Seller to confirm with Capital Markets LLPA if DTI over XXX% is accurate. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX or XXX months PITI. Reserves not required<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV |
| 408072725 | The Seller CD reflects the Seller RE Commission fee, however this charge was not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. The Seller RE Commission fee has been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement |
| 408072725 | HOI effective date XXX. Disbursement date XXX. Provide HOI binder with an effective date of XXX or earlier | 6/14 Client provided approved exception for insurance dated XXX day past disbursement | Final grade B | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement |
| 408072733 | File contains the Final CD and 1 incomplete CD Draft. For further testing, provide the Initial CD with proof of delivery to all title holders min. 3 business days prior to Consummation. | 07/26/2022 Client provided IDS Notification reflecting initial CD XXX received to Borrowers email on XXX and copy of initial CD XXX reflecting NBS signature XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years in profession<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current home<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves verified and XXX months reserves required |
| 408072733 | File contains the Final CD and 1 incomplete CD Draft. For further testing, provide the Initial CD with proof of delivery to all title holders min. XXX business days prior to Consummation. | 07/26/2022 Client provided IDS Notification reflecting initial CD XXX received to Borrowers email on XXX and copy of initial CD XXX reflecting NBS signature XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years in profession<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current home<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves verified and XXX months reserves required |
| 408072742 | Documentation of Changes Circumstances dated XXX & XXX found in file, but missing Revised LE XXX & LE XXX to reflect the changes. Condition is pending receiving revised LE's | 05/31/22 Client provided a signed LOE from Lender stating no LE's were provided; The changes were reflected on the XXX CD. Timing met. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High fico XXX.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has been in the same profession for XXX years. |
| 408072749 | Regarding monthly $XXX RSU income(1) Missing Lender calculation of this monthly amount (1008 do not reflect the calculation only states the amount used of $XXX) and (2). Missing the stock price based on the lower of the current stock price or the 52-week average for the most recent twelve (12) months reporting at the time of application | 7/18 Client provided the RSU calculation and the 12 month low stock price which was used to calculate RSU income; YTD low stock price is more conservative and Lender RSU calculation of $XXX is conservative and supported by a 2 year average and future vesting | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job |
| 408072749 | Missing 3rd party CDA valuation supporting appraised value | 7/11 Client provided valuation that supports the appraisal value | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job |
| 408072767 | Missing evidence that borrower acknowledged receipt of CD 3 days prior to consummation. | 07/11/22 Client provided the e-consent and e-signed copy of the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job. |
| 408072767 | Missing evidence that borrower acknowledged receipt of CD 3 days prior to consummation. | 07/11/22 Client provided the e-consent and e-signed copy of the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job. |
| 408072767 | Ten percent tolerance for $XXX for increase in Title charges paid to the SPL provider. Missing COC or Post Close CD, LOX and evidence of refund to borrower that includes proof of delivery via shipping with tracking information.. | 07/11/22 Client provided duplicate copies of the XXX COC, XXX LE and XXX CD. Condition remains. The increased Title charges occurred on the Initial XXX CD without a valid COC in file. Provide the missing COC for review, or provide borrower with the refund documents.07/26/2022 Client provided PCCD $XXX cure, copy of cure check, LOE/COC, and delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job. |
| 408072788 | Missing ATR/QM test, fees place loan over max allowed per QM U/W; DU approve eligible. | XXX Client provided an LOE and screen shot of the QM/ATR Information. Condition remains. Provide the full Compliance testing (XXX per the LOE) for further review. Additional conditions may apply.XXX Client provided the XXX Report. Upon review by internal Compliance counsel, the condition remains. The Discount Point testing results do not allow for exclusion, as the start rate exceeds the benchmark by more than 2 points.XXX Client provided an Email approval stating they have agreed to a price adjustment to use the XXX lock date/APOR. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX vs XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX yrs. vs XXX yrs. |
| 408072788 | Missing ATR/QM test, fees place loan over max allowed per QM U/W; DU approve eligible. | XXX Client provided an LOE and screen shot of the QM/ATR Information. Condition remains. Provide the full Compliance testing (XXX per the LOE) for further review. Additional conditions may apply.XXX Client provided the XXX Report. Upon review by internal Compliance counsel, the condition remains. The Discount Point testing results do not allow for exclusion, as the start rate exceeds the benchmark by more than 2 points. Benchmark has been determined by the Date Interest Rate Set (XXX). Test APR is XXX with Benchmark Rate of XXX. Difference of XXX exceeds max of XXX.XXX Client provided an Email approval stating they have agreed to a price adjustment to use the XXX lock date/APOR. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX vs XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX yrs. vs XXX yrs. |
| 408072788 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX vs XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX yrs. vs XXX yrs. |
| 408072788 | Escrow Waiver Fee $XXX disclosed in Loan Disclosures section on borrower final CD but is not included in Loan Costs section A. No evidence provided fee was charged. Condition pending receipt Post CD removing the fee or corrected reflecting fee in both sections. | XXX Client provided the pricing adjustments screen shot that confirms the charge was calculated into the pricing adjustments, not a separate fee. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX vs XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX yrs. vs XXX yrs. |
| 408072788 | Escrow Waiver Fee $XXX disclosed in Loan Disclosures section on borrower final CD but is not included in Loan Costs section A. No evidence provided fee was charged. Condition pending receipt Post CD removing the fee or corrected reflecting fee in both sections. | XXX Client provided the pricing adjustments screen shot that confirms the charge was calculated into the pricing adjustments, not a separate fee. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX vs XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX yrs. vs XXX yrs. |
| 408072788 | Missing ATR/QM test, fees place loan over max allowed per QM U/W; DU approve eligible. | XXX Client provided an LOE and screen shot of the QM/ATR Information. Condition remains. Provide the full Compliance testing (XXX per the LOE) for further review. Additional conditions may apply.XXX Client provided the XXX Report. Upon review by internal Compliance counsel, the condition remains. The Discount Point testing results do not allow for exclusion, as the start rate exceeds the benchmark by more than 2 points.XXX Client provided an Email approval stating they have agreed to a price adjustment to use the XXX lock date/APOR. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX vs XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX yrs. vs XXX yrs. |
| 408072788 | 1003 reflects "other" debt for $XXX. Provide statement or proof of this debt. | XXX Client provided an Email; upon review the file has screenshots showing the $XXX payment is for an IRS installment agreement with a XXX balance of $XXX; Provide the IRS installment agreement to confirm the paymentXXX Client provided an Email; upon review the Borrower has sufficient assets to pay the outstanding balance per the XXX IRS transcripts $XXX; with sufficient Assets remaining for reserve requirements | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX vs XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX yrs. vs XXX yrs. |
| 408072788 | DTI over XXX%, 2nd home. Client provided exception approval, pending receipt of "other debt" proof, documentation. | XXX Client provided an exception approval for LTV and DTI over XXX% however waiver not applied due to file having an outstanding condition regarding debt obligation not accounted for. Please provide documentation to clear/satisfied the other condition to insure the DTI do not exceed XXX% before waiver can be applied. XXX Client provided evidence of sufficient assets to pay the outstanding Taxes due per XXX 1040 Transcripts $XXX; approved exception applied | XXX final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX vs XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX yrs. vs XXX yrs. |
| 408072788 | Max DTI is XXX% with XX% reduction making it 70%. Client provided exception approval to allow 80%, pending receipt of missing documentation regarding additional debt. | XXX Client provided exception approval for LTV condotel exceed guidelines | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX vs XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX yrs. vs XXX yrs. |
| 408072791 | The maximum DTI allowed per program guideline is XXX% | (No Data) | Additional LLPA may apply with DTI over XXX%. Seller to confirm with XXX LLPA if DTI over XXX% is accurate. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qual score- XXX; Program min- XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV- XXX%; Program max- XXX%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 0x30 for XXX months |
| 408072871 | Client provided Package consent for XXX LE by Borrower 1. Provide all accepted consents for all 3 Borrowers for CD e-signed on XXX. | 06/17/22 Client provided the e-consent forms. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers meet guidelines for reserves of $XXX or XXX months PITIA with $XXX in excess reserves.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: B2/3 at current residence for XXX years. |
| 408072871 | In file is Package consent for XXX LE by Borrower 1. Provide all accepted consents for LE XXX e-signed by Borrower 1 and LE's E-signed on XXX and XXX by all 3 Borrowers. | 06/17/22 Client provided the e-consent forms. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers meet guidelines for reserves of $XXX or XXX months PITIA with $XXX in excess reserves.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: B2/3 at current residence for XXX years. |
| 408072871 | NON OC coborrowers on loan with DTI max XXX%. Client provided waiver approval up to XXX% however terms regarding reserves minimum requirement of $XXX have not been met. | 6/16 Client provided approved exception with lower reserve requirement and income of $XXX, missing 1003 and 1008 with updated income for each borrower6.17.2022 Client provided Lender LOX regarding assets however updated exception approval minimum reserves are $XXX and verified reserves are $XXX(sufficient reserves for the updated approval), DD income used for qualifying is $XXX with DTI of XXX% (max is XXX% per exception approval). Client provided exception approval for non occupant co-borrower with DTI exceeding guidelines of XXX% | This condition is being satisfied and replaced with the correct DTI less than XXX% tolerance, see other DTI exception | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers meet guidelines for reserves of $XXX or XXX months PITIA with $XXX in excess reserves.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: B2/3 at current residence for XXX years. |
| 408072871 | NON OC coborrowers on loan with DTI max XXX%. Client provided waiver approval up to XXX% however terms regarding reserves minimum requirement of $XXX have not been met. | 6/16 Client provided approved exception with lower reserve requirement and income of $XXX, missing 1003 and 1008 with updated income for each borrower6.17.2022 Client provided Lender LOX regarding assets however updated exception approval minimum reserves are $XXX and verified reserves are $XXX(sufficient reserves verified per the updated approval), DD income used for qualifying is $XXX with DTI of XXX% (max is XXX% per exception approval). Client provided exception approval for non occupant co-borrower with DTI exceeding guidelines of XXX% | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers meet guidelines for reserves of $XXX or XXX months PITIA with $XXX in excess reserves.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: B2/3 at current residence for XXX years. |
| 408072871 | Missing updated valuation to support appraised value, guidelines do not allow use of CU score in lieu. | 6/16 Client provided valuation that supports the appraisal value | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrowers meet guidelines for reserves of $XXX or XXX months PITIA with $XXX in excess reserves.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: B2/3 at current residence for XXX years. |
| 408072892 | Lender used $XXX/month from XXX. This was partially calculated using 2019 higher line 1 from K1 of $XXX. Review of liquidity did not show 2019 liquid, therefore review used lower distributions of $XXX. Using lower distributions income from XXX is $XXX/month. Bringing DTI from XXX% to XXX%. Max DTI is XXX%. | 7.11.2022 Client provided PITIA verification documentation for a separate condition, still missing initial condition documentation. Initial condition remains 7/12 Client provided additional PITI and HELOC, condition remains7/13 Client provided an Email indicating the 2019 liquidity is sufficient to use ordinary income; on review the liquidity is sufficient and DTI is revised to XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX/month<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has no lates on current or previous mortgages |
| 408072892 | DTI XXX%. Max DTI is XXX% | 7/12 Client provided evidence of HELOC payment for XXX $XXX and verifies PITI and 2nd is $XXX, still missing verification of total PITI and HELOC of $XXX7/13 Client provided an Email indicating the ordinary income is correct and liquidity is sufficient; upon review the liquidity is sufficient to use the ordinary income DTI revised to XXX% | condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX/month<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has no lates on current or previous mortgages |
| 408072892 | 1003 for XXX shows PITI at $XXX. Could only verify $XXX/month. Provide documentation of the difference. | 7.11.2022 Client provided duplicate (in file) pg. 148 HELOC info and PITIA verification for property: XXX however with review, it appears lender is using this $XXX HELOC monthly payment on other property: XXX vs using it for property XXX. Condition remains to verify the additional monthly difference PITIA of -$XXX on this property XXX, verified so far is $XXX and REO shows PITIA payment of $XXXNote: 1003 REO shows the HELOC payment of $XXX on other property: XXX. 7/12 Client provided evidence of HELOC payment for XXX $XXX and verifies PITI and 2nd is $XXX, still missing verification of total PITI and HELOC of $XXX7/13 Client provided an Email indicating the $XXX PITI for XXX was incorrect; Provide a corrected 10037.14.2022 Client provided updated 1003 reflecting PITIA payment of $XXX for property: XXX and the monthly HELOC payment of $XXX appears to be included on other REO property XXX, | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX/month<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has no lates on current or previous mortgages |
| 408072892 | Provide inspection for Severe Storms with declaration date of XXX | 7/20 Client provided disaster inspection dated XXX, no damage 7.22.2022 Client requested condition to be re opened, previously provided lender disaster certification however will need a post disaster inspection by original appraiser, another licensed appraiser or licensed property inspection company. 8.3.2022 Client provided 1004D disaster inspection dated XXX with no damage along with interior/exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX/month<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has no lates on current or previous mortgages |
| 408072907 | Determine status upon review / receipt of income and credit docs for open exceptions | 7.11.2022 Client provided duplicate in file (pg. 1395) regarding line of credit for business XXX however initial condition is regarding the XXX/Note due in less than XXX. Condition remains for CPA Letter verifying this balance of $XXX rolls over every year or will need to be excluded from income loss calculation, for Business XXX 1120S (this business, we are currently considering the loss however the loss did not include this revolving balance less than XXX. 7.28.2022 Client provided an LOX email from assistant controller (w/XXX) however CPA is XXX stating the loan for $XXX that you are referring to is related to an automobile lease of a XXX from several years ago and not a purchase and therefore, should not have ever been recorded as a liability, this have been removed from the balance sheet in 2021. Condition remains, (1). LOX do not mention if this is pertaining to Schedule L with business: XXX 1120S, appears this LOX have a cc person on email with other party with other business XXX, unable to determine this is in regards to XXX 1120S Schedule L ($XXX). Condition remains (1). LOX email needs to state if this is regarding Fitlife Schedule L line 17 and (2). due to LOX email not coming from the CPA unknown if this person (XXX) is with business XXX, further clarification is needed. 8/1 Client provided Email to confirm Schedule L debt rolls over and confirming status of LOX provided is the accounting firm for the business | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, = XXX, met |
| 408072907 | The List of homeowners counseling organizations is not provided w/in XXX days of application date of XXX. | 06/29/2022 Client provided approved exception for the List of homeowners counseling organizations not provided w/in XXX days of application. | Initial and final Grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, = XXX, met |
| 408072907 | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX. As the fees are at least reflected there is no material issue. This exception is informational per XXX Compliance department and TRID 2.0 revisions. | (No Data) | Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, = XXX, met |
| 408072907 | The Only LE in file is dated for XXX, initial application date is XXX. Per MaVent initial LE XXX was sent to borrower, missing in file please provide along with any coc and tracking information is applicable. | 07/12/22 Client provided the Initial XXX LE and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, = XXX, met |
| 408072907 | XXX $XXX monthly payment excluded from DTI per 1008, provide documentation supporting exclusion. May be subject to additional conditions upon review | 7.11.2022 Client provided updated 1003 with including the monthly payment of $XXX in DTI with balance $XXX and provided lender updated 1008 with reducing monthly subject taxes to $XXX was using an conservative monthly amount of $XXX; updated DTI includes reduced monthly subject taxes, XXX property XXX%. In addition the monthly taxes lender used is the amount on the final HUD-1, updated DTI slightly under XXX% with now including the monthly $XXX for XXX debt | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, = XXX, met |
| 408072907 | Missing residual income calc | (No Data) | DD Firm calc meets guides | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, = XXX, met |
| 408072907 | Provide full 2020 IRS 1040 Transcripts - not all pages in file. May be subject to additional conditions | 6/30 Client provided 2020 transcript, all pages | satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, = XXX, met |
| 408072907 | Provide documentation supporting XXX / Note due in less than XXX, Schedule L Line 17 D for $XXX, being excluded from income calc.May be subject to additional conditions upon review. | 7.11.2022 Client provided duplicate in file (pg. 1395) regarding line of credit for XXX however initial condition is regarding the XXX/Note due in less than XXX. Condition remains for CPA Letter verifying this revolving balance of $XXX rolls over every year or will need to be excluded from income loss calculation, for XXX 1120S (this business, we are currently considering the loss however the loss did not include this revolving balance less than XXX).7.28.2022 Client provided an LOX email from assistant controller (w/XXX) however CPA is XXX stating the loan for $XXX that you are referring to is related to an XXX of a XXX from several years ago and not a purchase and therefore, should not have ever been recorded as a liability, this have been removed from the balance sheet in 2021. Condition remains, (1). LOX do not mention if this is pertaining to Schedule L with business: XXX 1120S, appears this LOX have a cc person on email with other party with other business XXX, unable to determine this is in regards to XXX 1120S Schedule L ($XXX). Condition remains (1). LOX email needs to state if this is regarding XXX Schedule L line 17 and (2). due to LOX email not coming from the CPA unknown if this person (XXX) is with business XXX, further clarification is needed. 8/1 Client provided Email to confirm Schedule L debt rolls over and confirming status of LOX provided is the accounting firm for the business | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, = XXX, met |
| 408072907 | Provide missing CDAValue not yet supported May be subject to additional conditions upon review | 6/30 Client provided field review that supports the appraisal value | satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job since XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA + XXX for XXX, = XXX, met |
| 408072945 | Provide HOI Policy May be subject to additional conditions upon review | 7.28.2022 Client provided subject HOI policy effective XXX - XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1: XXX years same line of work B2: XXX years same line of work |
| 408072945 | CDA supports appraised value, however report not scanned in properly - comp pages are cut off. Provide full CDA - all complete pages | 7.28.2022 Client provided loan documents however still missing the initial condition. Condition remains 7.29.2022 Client provided full completed copy of 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1: XXX years same line of work B2: XXX years same line of work |
| 408072949 | Note date: XXXB1 VOE date: XXXPer guidelines, provide VOE dated no more than XXX business days prior to Note date | 8/11 client provided a VOE dated 7/26/2022 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Both borrowers each have > XXX years each in profession |
| 408072949 | Provide 3rd party executed Patriot Act for both borrowers | XXX client provided the patriot act forms | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Both borrowers each have > XXX years each in profession |
| 408072950 |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: High Credit XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: Low DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $XXX X XXX= $XXX |
| 408072957 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co Borrower has been at current employer for XXX years |
| 408072957 | Provide Gift Letter for $XXX Gift | 6.27.2022 Client provided executed gift letter in the amount of $XXX and is reflected on subject CD XXX% is $XXX and EMD of $XXX verified in file coming from borrower assets and cash to close of $XXX for total amount of $XXX coming from borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co Borrower has been at current employer for XXX years |
| 408072957 | B1 does not meet Tradeline requirement. Only open trade is the Mortgage for XXX months. Borrower does not meet the Minimum 2 or 3 tradeline requirement | 06/27/2022 Client provided approved exception for tradelines not meeting the requirements | XXX initial and final grade of B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co Borrower has been at current employer for XXX years |
| 408072957 | DTI XXX%. | (No Data) | Additional LLPA may apply with DTI over XXX%. Seller to confirm with XXX LLPA if DTI over XXX% is accurate. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co Borrower has been at current employer for XXX years |
| 408072964 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 XXX years same line of work B2 XXX years XXX months same line of work |
| 408072964 | 1) File is missing verification of rental payment history for departure residence verifying no more than 1X30 late payments in the last 12 months. Rental lates must not be within the most recent three (3) months of the subject transaction. If the landlord is a party to the transaction or relative of the borrower, cancelled checks or bank statements is required; otherwise, a satisfactory VOR can be provided. (#1 above is met - located page 300+ combined file)2) File is missing verification of mortgage payment history for an additional property owned verifying no more than 1x30 late payments in the last 12 months and no more than 2x30 in the last 24 months. 12 month history only provided in the file. | 7/6 Client provided a credit supplement with the 12 month Mortgage payment history for REO meeting guidelines | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 XXX years same line of work B2 XXX years XXX months same line of work |
| 408072964 | Recalculated back-end DTI ratio of XXX% exceeds the maximum allowable DTI of XXX%. Lender used income for B2 primary business of $XXX/month to qualify. Recalculated income was $XXX/month. Unable to determine lender calculations. | 7.12.2022 Client provided Lender LOX stating DD income is deducting the notes due and payable in less than one year from 2021 which is causing the reason for the difference. Response, Agreed with the notes due and payable in less than balance the income is $XXX and without this balance monthly income in line with Lender monthly income of $XXX; condition remains CPA Letter dated XXX states: regarding the XXX loan it is a long-term liability payable over 60 months and states the total now due is $XXX however missing CPA letter stating reason for short term debt listed on Schedule L and CPA states this is a long term debt, and to verify with CPA this is one of same debt. Upon receipt and review of updated CPA letter B2 income to be adjusted if this is verified with CPA as one of same debt in question and balance rolls over from year to year. Note: unsigned business note was provided however unsigned and still unable to determine this is one of same debt on Schedule L. CPA requested letter is needed to omit7.29.2022 Client provided CPA letter verifying Schedule L line 17 debt is due in four years, updated DTI XXX% with not including the less than 1 year notes due, CPA states this is due over 1 year (due in four years). | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 XXX years same line of work B2 XXX years XXX months same line of work |
| 408072964 | XXX% DTI, due to differing income calcs | 7.12.2022 Client provided Lender LOX stating DD income is deducting the notes due and payable in less than one year from 2021 which is causing the reason for the difference. Response, Agreed with the notes due and payable in less than balance the income is $XXX and without this balance monthly income in line with Lender monthly income of $XXX; condition remains CPA Letter dated XXX states: regarding the XXX loan it is a long-term liability payable over 60 months and states the total now due is $XXX however missing CPA letter stating reason for short term debt listed on Schedule L and CPA states this is a long term debt, and to verify with CPA this is one of same debt. Upon receipt and review of updated CPA letter B2 income to be adjusted if this is verified with CPA as one of same debt in question and balance rolls over from year to year. Note: unsigned business note was provided however unsigned and still unable to determine this is one of same debt on Schedule L. CPA requested letter is needed to omit7.29.2022 Client provided CPA letter verifying Schedule L line 17 debt is due in four years, updated DTI XXX% with not including the less than 1 year notes due, CPA states this is due over 1 year (due in four years) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 XXX years same line of work B2 XXX years XXX months same line of work |
| 408072964 | Missing residual income calc | (No Data) | Amount meets guides, satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 XXX years same line of work B2 XXX years XXX months same line of work |
| 408072974 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned the departing residence > XXX years. |
| 408072974 | Missing a Letter of explanation on employment gaps >XXX days for co-borrower.Co-borrower's termination date from XXX was XXX and start date with current employer is XXX= XXX days gap. | 6.27.2022 Client provided exception approval for missing B2 LOX for gap of employment of XXX days, been employed with current employer over XXX year | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have owned the departing residence > XXX years. |
| 408073030 | The Seller CD includes additional closing costs, including RE Commission fees, that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX= $XXXXXX $XXX x XXX= $XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have no lates on current or previous mortgages |
| 408073036 | Required Affiliate Business Disclosure missing | 07/27/2022 Client provided missing Required Affiliate Business Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Co-borrower has significant time at current job XXX years. |
| 408073036 | MD Counseling Notice not in file. | 07/27/2022 Client provided missing MD Counseling Notice. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Co-borrower has significant time at current job XXX years. |
| 408073036 | Missing second consecutive month bank statement for XXX to meet guidelines. Needed to meet reserve requirement. | 7.27.2022 Client provided 2nd consecutive month (XXX) 401k XXX statement, file have XXX statement (pg. 391) | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Co-borrower has significant time at current job XXX years. |
| 408073040 | Final 1003 (declarations) for both borrower states No for not having any ownership interest in another property in the last three years. This should be YES for both borrower, provided corrected 1003 declarations. | 7.27.2022 Client provided updated 1003 for both borrowers with declarations reflecting Yes having any ownership interest in another property. | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guidelines requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Additional documented income (B2 and B1 3rd job) not used in qualifying |
| 408073040 | Final XXX CD: Partial Payments section reflects both "may accept" and "does not accept" as selections (Improper combination of selections). Provide a corrected Post CD. | 0727/2022 Client provided PCCD XXX with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guidelines requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Additional documented income (B2 and B1 3rd job) not used in qualifying |
| 408073040 | Business funds used for cash to close File have an analysis (pg. 702) however do not reflect a 3 month breakdown of each month XXX, XXX, XXX and XXX for XXX #XXX this is the account funds to close will be coming from. Provide a 3 month business asset analysis covering 3 month breakdown of each month for #XXX business account Note: Other business account #XXX will not use, business funds is for funds to close only, not reserves | 7.27.2022 Client provided Asset Cash Flow Analysis for Business asset, XXX #XXX, XXX, XXX and XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guidelines requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Additional documented income (B2 and B1 3rd job) not used in qualifying |
| 408073040 | Business funds being used for transaction, missing copy of cashiers check or closing wire details verifying funds to close coming from business account. Note: cannot be for reserves, personal funds are being used for reserves | 7.27.2022 Client provided copy of cashiers check for funds to close of $XXX however still missing evidence coming from business account #XXX, condition remains for evidence cashiers check funds to close coming from business account #XXX, Borrower personal assets also with XXX, business funds cannot be for reserves, personal funds are being used for reserves. 7.27.2022 Client provided an additional copy of cashiers check verifying funds coming from business #XXX account | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guidelines requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Additional documented income (B2 and B1 3rd job) not used in qualifying |
| 408073040 | Regarding B1 2nd job income w/XXXVerify if B1 have any ownership with this employment | 7.27.2022 Client provided LOX email from XXX verifying no ownership | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guidelines requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Additional documented income (B2 and B1 3rd job) not used in qualifying |
| 408073040 | Regarding B1 income from XXX (1). SOS in file for XXX is dated XXX(over 30 days of Note date), XXX. Provide SOS dated within 30 days of Note date for this business | 7.27.2022 Client provided SOS for business: XXX dated XXX(dated XXX days after Note), condition remains for prior to closing 3rd party SOS dated within XXX days of Note date, for XXX(B1) 7/27 Client provided an approved exception to allow the file with a post close 3rd party VOE | XXX final grade is B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guidelines requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Additional documented income (B2 and B1 3rd job) not used in qualifying |
| 408073045 | Lender QM safe harbor status and DD Firm QM Rebuttable Presumption status Per Overlay, Rebuttable Presumption loans ineligible | 8/19 Client changed the program to choice; RP APOR is acceptable | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has significant time (XXX years) at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months |
| 408073045 | Loan file have unsigned 2021 1040 and 1120S Business returns. Provide signed 2021 1040 personal and 1120S business returns | 8.9.2022 Client provided signed pg. 2 of 2021 1040 personal returns and signed post close dated pg. 1 of 1120S Business returns 8/15 Client provided a lock changing the loan to Choice; Program requires two years Business and personal taxes; Provide the signed and dated 2020 1040 and 1120s For XXX 8/19 Client provided an Email "there was no 1120s return for 2020 as Borrower filed as Schedule C"; No upload was found condition remains for 2020 1040s with schedule C 8/19 Client provided the 2020 1040; income recalculated using a 2 year average of 2020 Schedule c and 2021 K1; $XXX verified and DTI is updated to XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has significant time (XXX years) at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months |
| 408073045 | 8/15 client provided a lock changing the loan to Choice; B1 is XXX provide a 2022 YTD P&L for XXX | 8/19 Client provided a YTD P&L supporting the qualifying income | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has significant time (XXX years) at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months |
| 408073045 | Loan amount $XXX is below the program minimum | 8/15 client provided an approved exception to allow the file with a loan amount of $XXX; exception not yet applied due to open conditions 8/19 All condition satisfied; Approved exception applied | XXX final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has significant time (XXX years) at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months |
| 408073045 | CU Score XXX not within guidelines, provide 3rd party CDA valuation supporting value | 8.10.2022 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance Note: did not provided the comparable pages that goes with the CDA, client accepts | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has significant time (XXX years) at current job<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months |
| 408073046 | Unable to accurately test the Zero tolerance due to the missing, Revised XXX LE. File contains 1 LE issued on XXX. Per the XXX, a Revised/Final LE was issued on XXX after the Rate Lock on XXX. Provide the XXX LE w/ applicable COC for further testing of the Discount Point increase. Additional conditions may apply. | 07/28/2022 Client provided COC XXX reflecting rate lock with loan amount and program change, along with corresponding LE XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score |
| 408073050 | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job. |
| 408073050 | $XXX Ten percent tolerance violation due to increase in Recording fee. COC provided did not explain why the Recording Fee increased on XXX. Provide additional details for review, or provide borrower with a PCCD, refund, LOX and proof of delivery that includes tracking information. | 07/13/22 Client provided duplicate copies of the XXX LE/disclosures and a revised COC. Condition remains. The COC still does not provide a detailed explanation for why the Recording Fee increased. Borrower is due a refund of $XXX, Post CD with cure, LOE and proof of delivery that includes tracking information.07/19/22 Client provided a XXX Post CD with cure, LOE, Tracking and Pay History reflecting the PR cure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is XXX points above the XXX FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA is XXX months greater than the XXX months reserves required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job. |
| 408073058 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years XXX and XXX years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score and XXX min |
| 408073058 | Loan amount of $XXX requires XXX months PITI reserves plus XXX months for XXX = XXX months required $XXX reserves and verified reserves are $XXX or XXX months PITI ; Short $XXX reserves | 7/12 Client provided an Email; upon review Net proceeds from sale of departing residence updated from Final HUD statement; sufficient reserves verified $XXX or XXX months PITI | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years XXX and XXX years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score and XXX min |
| 408073058 | Property has XXX and Title has a XXX. Client provided an approved exception to allow the file with a XXX and with XXX on title; Appraiser indicates No income producing aspects and no negative impact due to XXX: Exception not applied due to min assets per exception required for reserves is $XXX and verified reserves are $XXX | 7/12 Client provided an Email; upon review Net proceeds from sale of departing residence updated from Final HUD statement; sufficient reserves verified $XXX or XXX months PITI; Pre approved exception pending DTI exceeds XXX%7/12 Client provided an updated approved exception to allow the file with a DTI up to XXX% | XXX final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years XXX and XXX years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score and XXX min |
| 408073083 | Per docs in file, borrower is divorced Per 1003, borrower is single DOT has additional signer , who is also XXX on transaction, and LOE from XXX states she will be residing as subject = NAL | 7.11.2022 Client provided Lender LOX stating borrower is currently single and the co-purchaser is his fiancé' who also acted as XXX but she is not on the Note, no finance funds used to qualify (only borrower funds used). Based on guidelines this appears to meet NAL guidelines. Response, agreed | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX liquid for asset depletion, met<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work |
| 408073083 | Commission income without 2 Years prior and borrower provided tax transcripts due to IRS delay. Approved client exception in file not yet applied due to open conditions | 7.11.2022 Client provided exception approval for use of commission income without 2 years prior and borrower provided tax transcripts due to IRS delay | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:XXX liquid for asset depletion, met<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work |
| 408073088 | Missing an e-consent in file for the initial CD. Provide missing document. | 08/08/22 Client provided the e-consent forms. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession XXX years XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job XXX years XXX months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has significant time at current job XXX years XXX months |
| 408073088 | Missing an e-consent in file for the initial LE. Provide missing document. | 08/08/22 Client provided the e-consent forms. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession XXX years XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job XXX years XXX months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has significant time at current job XXX years XXX months |
| 408073088 | Utilizing 2019 tax return and IRS transcript, 2020 stamped tax return only (no 2020 IRS transcript, and 2021 is on extension). Does not meet two years consecutive IRS transcripts requirement. | Client provided exception approval for use of 2019 tax return and IRS transcript, 2020 stamped tax return only (no 2020 IRS transcript, and 2021 is on extension). | Final grade B. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession XXX years XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job XXX years XXX months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has significant time at current job XXX years XXX months |
| 408073133 | Choice cash out max LTV is 75% and the subject LTV is 80% | XXX Client provided an approved exception to allow the file with an XXX% LTV | XXX final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has XXX years XXX months on job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has XXX years XXX months on Job<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: Current primary home owned XXX years |
| 408073138 | Lender used bonus of $XXX, provide evidence borrower has received bonus in past XXX months, borrower received a one time sign on bonus of $XXX, no included in calculation: XXX months average bonus is $XXX | XXX Client provided LOX in Collaborate stating variance for this lender for XXX Employee sign on bonus usage for qualifying. Response, Offer Letter in file supports an average of 1st & 2nd year sign on bonus of $XXX that was used for qualifying, income updated. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been in same line of work for XXX years |
| 408073144 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have no lates on current or previous mortgages |
| 408073144 | Provide VVOE for both borrowers dated within XXX business days prior to Note Date | XXX Client provided VVOE for both borrowers dated XXX (within XXX business days of Note date XXX) | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have no lates on current or previous mortgages |
| 408073144 | Provide Patriot Act Form signed by appropriate third party for both Borrowers | XXX Client provided exception approval for missing executed patriot act for both borrowers | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have no lates on current or previous mortgages |
| 408073144 | Missing CDA | XXX Client provided an appraisal desk review however initial condition is for 3rd party CDA valuation supporting appraised value. Condition remains XXX Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have no lates on current or previous mortgages |
| 408073160 | Determine status upon review / receipt of Departing residence PITI docs | 7.21.2022 Client provided MTG statement verifying PITIA of $XXX and provided HOA from borrower no monthly hoa | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Sufficient for subject + 2 REO's<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job XXX years |
| 408073160 | Provide the Initial CD XXX with confirmation of borrower's receipt at least 3 business days prior to consummation. Additional conditions may apply | 07/21/22 Client provided the full Disclosure Tracking Summary/Details that confirms delivery/receipt of the Initial CD on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Sufficient for subject + 2 REO's<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job XXX years |
| 408073160 | $XXX zero tolerance due to added Broker fee on LE XXX without a valid CoC / Broker's Agreement in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/25/22 Client provided the XXX COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Sufficient for subject + 2 REO's<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job XXX years |
| 408073160 | XXX used $XXX from CBR, for departing residence PITIProvide documentation supporting above is PITI and /or provide docs to support tax and insurance. Subject to DTI recalc and may be subject to additional conditions | 7.21.2022 Client provided MTG statement verifying PITIA of $XXX and provided HOA from borrower no monthly hoa | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Sufficient for subject + 2 REO's<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job XXX years |
| 408073160 | Provide 1008 | 7/21 Client provided 1008 | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Sufficient for subject + 2 REO's<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At job XXX years |
| 408073162 | Per Tracking Details a initial CD was sent XXX, CD missing from file. Provide completed CD, required for final testing, Additional conditions may apply. | XXX Client provided copies of the XXX Initial CD's. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is 41 points above the XXX FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co-Borrower has XXX years XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of $XXX is $XXX greater than the $XXX reserves required. |
| 408073173 | Not all required seller-paid fees were disclosed on the final CD. | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score exceeds XXX min<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has XXX years XXX months and B2 has XXX years in same profession |
| 408073173 | Application Date per the Initial 1003 is XXX(confirmed App Date on the Mavent is also XXX). The only Loan Estimate in file was Issued on XXX. Provide the Initial LE issued within XXX business days of the XXX App Date for further testing. | XXX Client provided DUP LE XXX already in file. Provide Initial LE issued within XXX days of application date of XXX for further testing.XXX Client provided the XXX Disclosure Tracking and Email LOE stating no LE went out because this was an AIO (All In One). Condition remains. Upon review by internal Compliance counsel, Lender to provide additional verification that borrower's initial program was open ended and not subject to Initial LE. Additional conditions may apply.XXX Client provided the Seller CD. Condition remains. Lender to provide additional verification that borrower's initial program was open ended and not subject to Initial LE. Additional conditions may apply.08/24/22 Client provided a copy of the XXX disclosure tracking. Condition remains. Lender to provide additional verification that borrower's initial program was open ended and not subject to Initial LE. Additional conditions may apply.08/25/22 Client provided an Email LOE from Lender and Client acceptance. Upon review by internal Compliance counsel, the LE delivery timing was met upon first program change from HELOC to Conv XXX Yr. Fixed on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score exceeds XXX min<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has XXX years XXX months and B2 has XXX years in same profession |
| 408073173 | Zero Tolerance testing failed by $XXX due to the increased Transfer Taxes on the Initial XXX CD. The XXX COC did not provide a valid reason for why this charge was increased. Borrower is due a refund of $XXX, Post CD with cure, LOE and proof of delivery that includes tracking information. | XXX Client provided XXX Disclosure Tracking and LOE for the Initial LE. Condition remains. The Transfer Taxes increased on the Initial XXX CD without a valid Reason provided on the COC in file. Borrower is due a refund of $XXX, Post CD with cure, LOE and proof of delivery that includes tracking information. XXXClient provided an XXX Post CD with cure, LOE, refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score exceeds XXX min<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has XXX years XXX months and B2 has XXX years in same profession |
| 408073173 | Missing Final CD/settlement statement from the sale of departing residence | XXX Client provided executed seller CD from sale of property: XXX XXX XXX Place with payoff of existing lien and borrower netting $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score exceeds XXX min<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1 has XXX years XXX months and B2 has XXX years in same profession |
| 408073174 | Determine status upon review / receipt of missing income and credit documents | XXX Client provided email from employer stating bonus is paid out twice a year, March and August, average of YTD XXX bonus and XXX bonus for anXXX month average of $XXX; paystub in file is XXX XXX, XXX and Written VOE is dated XXX XXX; August bonus not yet received. DTI is XXX% same as lender DTI XXX Client provided LOX stating these are duplicate accounts. Response, upon review of these two account it does appear to be duplicates, 1 account is reporting with XXX/XXX and the other account is reporting XXX and accounts due have same open date, same higher balance, same account #'s | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: B1: XXX years same line of workB2: XXX + years same line of work<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: No derogs on CBR |
| 408073174 | Provide documentation supporting excision of the following debts from DTI:XXX: $XXX monthlyXXX: $XXX monthly Subject to DTI recalc and may be subject to additional conditions | XXX Client provided LOX stating these are duplicate accounts. Response, upon review of these two accounts (on credit report pg. 305) it does appear to be duplicates, 1 account is reporting with XXX and the other account is reporting XXX and accounts do have same open date, same higher balance, same account #'s, etc. | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: B1: XXX years same line of workB2: XXX + years same line of work<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: No derogs on CBR |
| 408073174 | XXX Bonus:XXXXXX Bonus: XXXXXX Bonus: XXXBonus: declining. Calc by lender: XXXX (XXX months YTD) + XXX / 18 = XXX, XXX was excluded from calc due to being much higherPage 403 Lender calc write up / rationale: 'Bonus in line with XXX. Will use an XXX month average (borrower will receive second bonus payout in August). Average is XXX. Per employer, target is XXX and every year varies. Using XXX month average for income. However, per email from employer, page 441 combined file, bonus is annual - not semi annual. If lower bonus calc used, DTI exceeds program max. | XXX Client provided email from employer stating bonus is paid out twice a year, March and August, average of YTD XXX bonus and XXX bonus for an XXX month average of XXX; paystub in file is XXX XXX, XXX and Written VOE is dated XXX XXX; August bonus not yet received. DTI is XXX% same as lender DTI | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: B1: XXX years same line of workB2: XXX + years same line of work<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: No derogs on CBR |
| 408073174 | LTV XXX % exceeds maximum LTV of XXX %; cash out refinance Choice QM XXX YR | XXX Client provided exception approval for LTV XXX% exceeding guidelines maximum LTV of XXX%; cash out refinance | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: B1: XXX years same line of workB2: XXX + years same line of work<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: No derogs on CBR |
| 408073174 | Loan does not have any of the following attributes: Guides: Choice Expanded Notes: Choice Expanded is any loan with any of the following attributes:? Departure residence excluded from DTI when the property is not listed for sale or leased to rent at the time of the subject transaction. See Departure Residence section for requirements.? Interest Only Feature? Loans failing residual income calculation | XXX Client provided Lender LOX for clarification on this funding as this is a cash out refinance, not a departure residence. Response, this condition remains to verify attribute for loan program of Choice ExpandedXXX Client provided LOX stating switching program to Choice QM, condition remains for lock confirmation as Choice QM for loan file XXX Client provided copy of lock confirmation, Choice QM | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: B1: XXX years same line of workB2: XXX + years same line of work<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: No derogs on CBR |
| 408073176 | Zero tolerance in amount of $XXX due to added Admin fee and increased Discount Points from initial LE XXX to initial CD XXX with no valid COC in file. Per CompEase in file, revised LE XXX was issued but is missing in file. Condition is pending receiving revised Le with a valid COC corresponding changes. | XXX Client provided a missing XXX COC and Revised XXX LE containing the valid increased charges. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is 25 points above the XXX FICO required for the program. |
| 408073176 | Final CD XXX section Escrow Account - neither of You declined it and/or Your lender does not offer one are selected Condition is pending receiving corrected PCD with LOE to borrower. | XXX Client provided a corrected XXX Post CD, LOE/COC and Tracking. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX% is XXX% below the XXX% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX is 25 points above the XXX FICO required for the program. |
| 408073182 | Determine status upon review / receipt of missing Schedule E for XXX and XXX | XXX Client provided XXX and XXX Schedule E; upon review, after analysis net income is positive from schedule E for both years | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score |
| 408073182 | File contains Disclosure Tracking Details for a Revised CD issued/delivered on XXX. This CD was not located in the file. Provide the Revised XXX CD for further testing. | XXX Client provided the XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score |
| 408073182 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score |
| 408073182 | Cash flow analysis for XXX #XXX required using most recent three (XXX) months business bank statements to determine no negative impact to business. Please provide. May be subject to additional conditions upon review | XXX Client provided duplicate XXX months Business bank statements; file is missing the underwriters cash flow analysis of the bank statements to determine no negative effect on the business for us of business funds XXX Client provided an UW analysis, However, it does not include the Borrowers name, bank account numbers and statement dates, or loan number; missing identifying information; condition remains XXX Client provided Business Asset Cash Flow Analysis for XXX #XXX covering months: May, June, July with identity info | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score |
| 408073182 | XXX and XXX IRS 1040 transcripts reflect losses on Schedule E Rental Real Estate and Royalties. Above Schedule E missing from 1040s for both years 1040s, please provide. Subject to income recalc and may be subject to additional conditions | XXX Client provided XXX and XXX Schedule E; upon review, after analysis net income is positive from schedule E for both years | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score |
| 408073207 | B1 does not have required tradelines, none active within last XXX months | 08/16 Lender provided exception approval for tradeline requirements not being met | XXXs final grade B due to Co-Borrower has significant time at current job, Significant time at current residence | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying, minimum is XXX<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at primary residence<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1: XXX years same line of work<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: At job since XXX |
| 408073216 | Missing terms of withdrawal for B2 401k assets, used for reserves | XXX Client provided 401K terms of WD XXX 401K | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408073216 | File have CPA VVOE for Borrower XXX employment Schedule C (pg. 532) however file also have a SOS for business (pg. 536) dated XXX reflecting status of business inactive as of XXX; condition remains for updated SOS for borrower XXX employment business reflecting active status, unknow whey this SOS would reflect as inactive as of XXX | XXX Client provided a Bwr LOX that the LLC was not renewed as they file income with a schedule C | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408073216 | XXX employed income is an average of Schedule C XXX/XXX however in Year XXX there is two (2) Schedule C's but only 1 in XXX; income from the 2nd Schedule C in XXX is used for qualifying. Satisfactory explanation from borrower this 2nd Schedule C (in 2020) with income of $XXX is same company as the 1st Schedule C and reason not reflected in XXX, without this 2nd Schedule C income DTI would be slightly over XXX%. | XXX Client provided duplicate (in file pg. 540) borrower LOX stating I had set up my company under an LLC but my accountant said that was needed since I am a sole proprietor. That is why you see the expiration of the LLC on the State Website. Response, this explanation was in original file and does not support if this is one of same, appears in XXX the 2nd Schedule C reflects business name as LLC however still need to verify if this is one of same business (both Schedule C in XXX) as the actual Schedule C and if is one of same, why not reflected in year XXX; without this 2nd Schedule C income DTI would be slightly over XXX%. Upon receipt and review, income/DTI still under reviewXXX Client requested a review; upon review The Borrower LOX explains the LLC per CPA was not needed as the woodworking business income is claimed on Schedule C and the LLC has expired; a review of both schedule Cs for XXX indicates only $XXX was claimed on the LLC schedule c and is shown as the same woodworking source; majority of the income $XXX was claimed on schedule C as a Sole prop; further for XXX all income is claimed as a sole proprietor on schedule C and is significantly higher than XXX at $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408073216 | Missing executed patriot act for both borrowers | XXX Client provided Patriot act disclosure however still missing executed patriot for both borrowers with verifying their ID verification. Condition remains XXX Client provided the Borrower identification forms for each Borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408073224 | Provide LOE from B2 regarding XXX day job gap between current job and previous job. Current job started XXX. Previous job ended XXX. | XXX Client provided an LOX from the Borrower for the gap in employment | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXXmonths PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408073224 | Provide CDA | XXX client provided a CDA supporting the appraised value with a XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXXmonths PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408073265 | The Seller CD reflects additional closing costs, including RE Commission fees, that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees and RE Commission fees were sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At current job since XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0 x 30 36 months |
| 408073265 | Business assets used to qualify, please provide below for XXX #XXX.May be subject to additional conditions upon review. Cash flow analysis required using most recent three (XXX) months business bank statements to determine no negative impact to business. | XXX Client provided XXX/XXX XXX, XXX Business bank statement w/XXX #XXX and loan file have XXX XXX, XXX business statement for this account. Condition remains for Business Asset Cash Flow Analysis covering these 3 monthsXXX Client provided Business Asset Cash Flow Analysis covering XXX #XXX XXX, XXX, XXX XXX with no negative impact to the business | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At current job since XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0 x 30 36 months |
| 408073265 | Business assets used to qualify. Per guidelines, XXX months most recent consecutive asset statements required. Only statement ending XXXprovided for XXX#XXX.Provide additional XXX months statements meeting guidelines. Subject to asset recalc and may be subject to additional conditions upon review | XXXClient provided XXX/XXX XXX, XXX Business bank statement w/XXX #XXX and loan file have XXX XXX business statement for this account, this condition is being satisfied. Loan file have a condition for business asset cash flow analysis covering these 3 months | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At current job since XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0 x 30 36 months |
| 408073265 | Appraisal sketch and grid reflect 4.1 bathrooms for subject; photos only provided for 3.1.Appraiser to provide 4th bathroom photo. | 9.9.2022 Client provided LOX stating there is a bathroom that is mis marked as bedroom but is a bathroom. Agree, found in appraisal photos. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At current job since XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 0 x 30 36 months |
| 408073274 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have XXX years XXX months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years at current job.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA. |
| 408073274 | Ten percent tolerance in amount of $XXX due to increased Recording fee from XXX to $XXXX with no valid COC in file to support it. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund | XXX Client provided the Final Settlement Statement and XXX Post (Funding) CD. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have XXX years XXX months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years at current job.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA. |
| 408073274 | Primary Borrower does not meet minimum tradeline requirement. No open or active accounts. | Client provided an exception approval to allow the primary borrower without meeting the minimum tradeline requirements. | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have XXX years XXX months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years at current job.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA. |
| 408073283 | Zero tolerance of $XXX due to Application fee added in section A on CD XXX with no information on COC XXX. Provide a valid reason for the fee addition or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery. | XXX Client provided a XXX Post CD with cure, LOE, refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408073283 | Provide 1008 with corrected income for B1 of $XXX/month. Borrower is paid weekly not bi-weekly | XXX Client provided corrected 1008 and 1003 with B1 correct income | satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408073287 | Provide the TX FMV Affidavit with the Lender's Representative signature and date. | 08/29/22 Client provided the fully executed FMV Affidavit signed at Closing by the Lender. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408073305 | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years on current SE job<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: The total DTI is XXX% |
| 408073318 | Not all Seller fees disclosed on Seller CD are listed on Borrowers Final CD. | (No Data) | Fees sourced on Seller CD. Condition Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x 6 = $XXXXXX XXX: $XXX x 6 = $XXX<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been with employer for over XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co Borrower has been with employer over XXX years |
| 408073318 | XXX% | (No Data) | Additional LLPA may apply with DTI over XXX%. Seller to confirm with Capital Markets LLPA if DTI over XXX% is accurate | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x 6 = $XXXXXX XXX: $XXX x 6 = $XXX<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been with employer for over XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co Borrower has been with employer over XXX years |
| 408073318 | Missing VOE's for both Borrowers dated within XXX business days prior to Note date. The ones in file are either older than XXX business days or dated after Note date | XXX Client provided exception approval for missing VVOE for both borrowers within XXX business days of Note date. File have VVOE for both borrowers however not within XXX business days and file have VVOE for both borrowers after Note date | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x 6 = $XXXXXX XXX: $XXX x 6 = $XXX<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been with employer for over XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co Borrower has been with employer over XXX years |
| 408073318 | Borrower was not paid income in XXX. Borrower did a remodel on departure primary. In lieu of income compensation the company paid for the renovation. Exception to use income average. Used XXX months Written VOE for XXX. Exception approval in file | XXX Client provided approved exception | XXX initial and final grade of B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x 6 = $XXXXXX XXX: $XXX x 6 = $XXX<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has been with employer for over XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co Borrower has been with employer over XXX years |
| 408073331 | Not all required seller-paid fees were disclosed on the Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves sourced: Months PITI Reserves (Qual Rate) XXX Cash Reserves $XXX Required:6 months PITIA, met |
| 408073354 | Provide Final HUD from sale of XXX XXX | XXX Client provided final HUD-1 settlement statement dated XXX XXX, XXX (from sale of property: XXX) with borrower netting $XXX w/Exchange 1031 Funds | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x 15 = $XXXXXX XXX: $XXX x 6 = $XXXXXX XXX XXX: $XXX x 6 = $XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV |
| 408073354 | Provide XXX Extension for XXX Consultants | XXX Client provided duplicate (in file) XXX 1040 personal extension however initial condition appears to be for XXX extension for business: XXX Consultants. Accepting XXX 1040 personal extension to support business is also under extension | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x 15 = $XXXXXX XXX: $XXX x 6 = $XXXXXX XXX XXX: $XXX x 6 = $XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV |
| 408073354 | Provide XXX years personal tax transcripts as required for XXX Employed Borrower | XXX Client provided duplicate (in file) XXX 1040 personal extension however initial condition remains for XXX/XXX 1040 personal Transcripts (income used for qualifying is XXX/XXX with XXX under extension) XXX Client provided XXX/XXX 1040 Transcripts and provided evidence XXX with no record | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x 15 = $XXXXXX XXX: $XXX x 6 = $XXXXXX XXX XXX: $XXX x 6 = $XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV |
| 408073354 | Provide XXX months bank statement or printout from the bank that the business pays XXX auto lease. Have XXX months of business statement showing auto payment and then a printout with payments from XXX Mutual that does not have the borrowers name on it. | XXX Client provided duplicate (in file pg. 188/189) check detail business history from XXX XXX, XXX - XXX verifying business making monthly payments of $XXX for auto, in addition this print out have no name however file have a XXX XXX bank statement #XXX XXX XXX, XXX (pg. 184) that reflects XXX XXX auto payment with check #XXX (pg. 185) and this check detail business history reflects this XXX XXX auto payment which is also on the business bank statement that supports this check detail belonging to borrower and his business account. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x 15 = $XXXXXX XXX: $XXX x 6 = $XXXXXX XXX XXX: $XXX x 6 = $XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV |
| 408073357 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | satisfied | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score and XXX min<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years at current job |
| 408073357 | Borrower reports XXX months of XXX employment income on XXX/XXX schedule C although XXX years XXX employed verified | XXX client provided an approved exception to allow the file with less than XXX years self employed income reporting on schedule Cs | XXX final grade is B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score and XXX min<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years at current job |
| 408073363 | Provide the Lender's Affiliate Business Disclosure. | 10/13/22 Client provided an Affiliate Certification from XXX of XXX XXX. Condition remains. Provide the Affiliate Business Disclosure for the subject Lender, XXX XXXl XXX, Inc.XXX Client provided the same Affiliate Certification for Finance of XXX XXX, with signature by the Lender (listed as Broker, for XXX XXX XXX). Condition remains. If XXX XXX XXX has no affiliates, provide a signed Attestation from XXX XXX XXX Inc. stating they do not have any Affiliate businesses.XXX Client provided an approved exception for the ABD. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years XXX months at current job<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence |
| 408073378 | RE commission fees paid by seller are not disclosed in H. section on the final CD. Seller's CD in file and able to trace fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At current job since XXX |
| 408073378 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At current job since XXX |
| 408073378 | XXX # XXX business assets used to qualify.Guides:Cash flow analysis required using most recent three (XXX) months business bank statements to determine no negative impact to business. Cash flow analysis in file is through XXX, statements in file are through XXX. Provide updated cash flow analysis meeting above. May be subject to additional conditions upon review. | XXX Client provided Business Asset Cash Flow Analysis covering XXX, XXX XXX XXX for business Account w/XXX #XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At current job since XXX |
| 408073378 | Approved client exception in file for:DPA Secondary Financing forgivable within XXX years originating from tribal counsel - Federated XXX XXX XXX XXXException not yet applied due to open conditions. | XXX Client provided exception approval for loan file having a DPA Secondary Financing forgivable within XXX years originating from XXXX- XXX of XXX XXX | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At current job since XXX |
| 408073378 | Guides: If the landlord is a party to the transaction or relative of the borrower, cancelled checks or bank statements to verify satisfactory rent history is required; otherwise if not related or a party to the transaction a satisfactory VOR can be provided. Client approved exception in file for: Borrower made 5 of last 14 rent payments with cash (2 partial cash) to her mother who is the landlord. Exception not yet applied due to open conditions. | XXX Client provided exception approval for borrower made 5 of the last XXXX rent payments with cash (2 partial cash) to her mother who is the landlord. | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At current job since XXX |
| 408073378 | Provide documentation supporting Federated XXX of XXX mortgage is subordinated to subject mortgage. May be subject to additional conditions upon review | XXX Client provided updated Title Commitment dated XXX XXX XXX with 2nd lien reflected on title and recorded on XXX (CA property) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: At current job since XXX |
| 408073403 | Initial LE XXX is e-signed by both borrowers, no evidence of E consent provided. Provide copy of E consent. | XXX Client provided the e-consent forms. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have XXX years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA. |
| 408073403 | Provide missing updated valuation Value not yet supported May be subject to additional conditions upon review | XXX Client provided 3rd party CDA valuation supporting appraised value with XXX% variance Note: CDA missing comparable MLS pages, Client accept pages that were provided | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have XXX years at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA. |
| 408073410 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | (No Data) |
| 408073410 | Missing final settlement for sale of departing residence with net proceeds of $XXX | XXX client provided the HUD for sale of Departing XXX XXX XXX with proceeds of $XXX | Condition satisfied | (No Data) | Not Applicable | (No Data) |
| 408073425 | DTI XXXX% does not include departure home PITI of $XXX; provide documentation to support omission of this PITIA payment | XXX Client provided executed copy of Lease agreement for departure home: XXX XXX XXX along with evidence of receipt of security deposit and 1st month rent $XXX each deposited into borrower account. Positive net was omitted per guidelines | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408073425 | Borrower was previous XXX employed and started new employment XXX XXX as VP(1). Missing evidence if borrower have any ownership with new employment (2). Missing previous self employment Schedule C business license etc. to cover employment still active to support no gaps | XXX Client provided duplicate (in file) VVOE for current employer however do not reflect if verified if borrower have any ownership with current XXX, and provided copy of borrower previous XXX employment current business license. Condition remains to verify if any ownership with current employer: XXX XXX XXXXXX Client provided VVOE dated XXX however still does not reflect if borrower have any ownership with this employment:XXX XXX XXX. In addition Client provided LOX stating please see WVOE from Seller. Per review of WVOE and other docs in file, see no indication of ownership. Borrower is not part of senior membership team per website; no ownership distribution indicated. Response, Website in file (pg. 901) states XXX XXX XXX previously used XXX XXX (our borrower) Technology talents as a consultant for two of its subsidiaries. This week, the company made XXX its new XXX and after XXX months of collaboration, we are eager to officially welcome XXX (our borrower) to XXX XXX as the XXX HOWEVER this document do not reflect whom agent officer are, please provide. Condition remains to provide the website you mentioned that reflects no ownership indicated. Note: Your LOX states borrower is not part of the XXX however this document states borrower is now the XXX and being welcomed to XXX after XXX months, hire date XXXXXX Client provided an Email from XXX XXXto confirm Borrower has no ownership in the company | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408073425 | Missing FEMA Disaster Inspection dated after XXX | XXX Client provided 1004D dated XXX, no damage, however address has typo, condition remainsXXX Client provided 1004D dated XXX with no damage and correct address | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408073429 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years XXX months on current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score exceeds XXX Min<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has XXX years XXX months at current Job |
| 408073433 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Good current and previous mortgage history |
| 408073442 |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX or XXXmonths PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score |
| 408073444 | DTI XXXX% | (No Data) | Additional LLPA may apply with DTI over XXX%. Seller to confirm with Capital Markets LLPA if DTI over XXX% is accurate. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV |
| 408073444 | Zero Tolerance testing failed by $XXX due to the increased Lock Extension Fee on the Revised XXX CD without a valid COC in file. Provide the missing COC, or provide borrower with a $XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking information. | XXX Client provided the missing XXX COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% LTV |
| 408073451 | Seller fees listed on Seller CD but not Borrower Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence XXXyears XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job XXX years XXX months<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession XXX years XXX months |
| 408073451 | Missing CDA, no variance for use of CU score in lieu of CDA. | XXX Client provided valuation that supports the appraisal value | satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: Significant time at current residence XXXyears XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time at current job XXX years XXX months<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Significant time in profession XXX years XXX months |
| 408073452 | Missing executed Patriot for both borrowers | XXX Client provided executed patriot act for both borrowers, along with their ID verification license Note: B1 patriot act reflects expiration date of XXX (which is his birthdate, should be XXX per his ID verification that was provided) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has significant time (XXX years) at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has significant time (XXX years) at current job<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines |
| 408073452 | Missing 3rd party CDA valuation supporting appraised value | XXX Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has significant time (XXX years) at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has significant time (XXX years) at current job<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines |
| 408073455 | IDS Package Certificates in file indicates re-disclosures sent on XXX and XXX that are missing from file. | 10/20/22 Client provided the following, missing disclosures: LE XXX, LE XXX, CD XXX and all applicable COC's. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% |
| 408073455 | Only CD in file is Final CD dated XXX signed on XXX. Provide missing Initial CD. | 10/20/22 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% |
| 408073455 | Only CD in file is Final CD dated XXX signed on XXX. Provide missing Initial CD. | 10/20/22 Client provided the Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% |
| 408073459 | Not all required seller-paid fees were disclosed on the final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score |
| 408073459 | XXX% DTI. Max XXX% | (No Data) | Additional LLPA may apply with DTI over XXX%. Seller to confirm with Capital Markets LLPA if DTI over XXX% is accurate. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX credit score |
| 408073470 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 XXX years at current employment<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 XXX years at current employment<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Mid credit score of XXX |
| 408073473 |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Good previous mortgage history |
| 408073475 | Ten Percent tolerance testing failed by $XXX due to the Recording Fee increase without a valid COC. Provide borrower with a $XXX refund, Post CD with cure credit, LOE and proof of delivery. | XXX Client provided a XXX Post CD with cure, LOE, refund check and tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months |
| 408073475 | Current DTI is XXX% however DTI still under review with outstanding conditions on loan file | 9.22.2022 Client provided Single Family Comparable rent schedule for departure home, DTI still under review, missing evidence of subject final annual taxes. Taxes on title and property profile taxes in file reflect taxes of $XXXXXXClient provided tax rate & calculator for XXX TN with estimated annual property taxes of $XXX annual for a monthly of $XXX, | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months |
| 408073475 | Departure Home: XXX XXX XXX using Rental Income of $XXX to Offset PITIA with negative net of -$XXX however missing documentation per Choice guidelines for departure home rental: Missing Copy of current lease agreement, copy of security deposit and evidence of deposit to borrower's account OR In Lieu of a current lease agreement, Form 1007 or Form 1025 as applicable to support rents being used for departing residence. Rent calculation is XXX% of the market rent less PITIA, any positive rental income is disregarded for the income calculation, can only be used to offset the payment. Note: File have borrower LOX stating we intend to rent out our current primary residence upon closing on the subject property. Upon receipt and review, DTI is still under review, currently using lender net negative amount of -$XXX | XXX Client provided Single Family Comparable Rent Schedule for departure home with market rent of $XXX x XXX% minus PITIA of $XXX = loss of -$XXX which is being included in DTI | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months |
| 408073475 | Regarding B1 VVOEFile have a CPA VVOE (pg. 1251) verifying B1 employment however B1 is an employee for B2 XXX employment, not XXX employed. Provide VVOE for B1 | XXX Client provided google search for B2 XXX employment, initial condition is for B1 VVOE verifying employment within XXX business days of Note date. Note: B1 is an employee for B2 XXX employment XXX Client provided post close VVOE for B1 dated XXX (Note date XXX), still missing VVOE for B1 dated within XXX business days of Note date. XXX Client provided exception approval for prior to closing VVOE for B1 is from CPA however B1 is an employee, not XXX employment and file having a post close VVOE dated XXX (after Note date) | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months |
| 408073475 | LTV XXX% exceeds guidelines maximum of XXX% for Condotel Condotel Projects - LTV/CLTV must be XXX% below product/program maximum Exception approval in file however waiver not applied due to other outstanding conditions on file | XXX Client provided exception approval for LTV of XXX% exceeding maximum LTV of XXX% for Condotel property due to XXX% condotel reduction | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months |
| 408073475 | Title Commitment in loan file Schedule B reflects some items to be satisfied and released (pg. 1070), (1). provide Final Title with removing of these items that needed to be satisfied, In addition (2). Need to verify what is subject property annual taxes, currently using $XXX for annual of $XXXNote: if exceed $XXX monthly, DTI will need updating Appraisal reflects $XXX for taxes | XXX Client provided tax rate & calculator for XXX TN with estimated property taxes of $XXX annual for a monthly of $XXX, condition now remains for: Missing Final Title with removing of these items that needed to be satisfied and released under Schedule B of title (per pg. 1070). XXX Client provided Final Title Commitment dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves $XXX or XXX months |
| 408073485 |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Borrower also has a XXX employed business with positive income that is not being used<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower has no mortgage lates on current or previous mortgages |
| 408073488 | Missing XXX K-1 to support income calculation used for DTI ratio. | XXX Client provided XXX k1 for B1 supporting monthly income used for qualifying, XXX% ownership | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX years in profession. |
| 408073488 | The Seller CD reflects additional closing costs, including RE Commission fees, that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX years in profession. |
| 408073488 | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX years in profession. |
| 408073488 | Missing XXX K-1 to support income amount calculated by Lender. | XXX Client provided XXX k1 for B1 supporting monthly income used for qualifying, XXX% ownership | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX years in profession. |
| 408073488 | Dwelling Coverage of $XXX is less than the required coverage amount of $XXX. | XXX Client provided HOI estimated replacement cost worksheet with coverage of $XXX; HOI reflects sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX years in profession. |
| 408073488 | CDA supports value, however copy provided is not scanned in properly, comp pages are cut off. Provide full CDA, all pages. | XXX Client provided full completed 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: Borrower has XXX years in profession. |
| 408073490 | Real Estate Commission fee paid by seller section H, missing from the borrower's final CD page 2. | (No Data) | Condition Satisfied. Fees sourced back to the sellers CD for Real estate commission fees. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x 12 = $XXX XXX. $XXX x 6 = $XXXXXX XXX. $XXX x 6 = $XXXXXX XXX. $XXX x 6= $XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408073490 | Not all required seller-paid fees were disclosed on the final CD. | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x 12 = $XXX XXX. $XXX x 6 = $XXXXXX XXX. $XXX x 6 = $XXXXXX XXX. $XXX x 6= $XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI |
| 408073499 | Seller fees listed on Seller CD but not all Fees are on Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job. |
| 408073499 | CD XXX (Final CD) is the only CD in file. Per the Compliance Ease Report and Tracking, an Initial CD was sent electronically on XXX. Provide the missing XXX CD for further testing. | XXX Client provided missing initial CD XXX along with accepted consent for e-delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job. |
| 408073499 | CD XXX (Final CD) is the only CD in file. Per the Compliance Ease Report and Tracking, an Initial CD was sent electronically on XXX. Provide the missing XXX CD for further testing. | XXX Client provided missing initial CD XXX along with accepted consent for e-delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI (Back) of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves of XXX months PITIA.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years XXX months at current job. |
| 408073504 |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 39.85%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Mid credit score of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has XXX years at current employment |
| 408073519 | DTI XXXX% and Lender 1008 is XXXX% within guidelines | (No Data) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines |
| 408073519 | Seller fees listed on Seller CD but not Borrower Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines |
| 408073525 | Final (Consummation) CD and Post (Funding) CD reflect understated Finance Charges by $XXX due to the Lender's exclusion of the $XXX Application Fee from their testing, per the Fee Details Form. Internal testing includes the Application Fee as an APR charge. Provide borrower with a $XXX refund, Post CD correcting the Loan Calculations, LOE to borrower and proof of delivery that includes tracking information. | XXX Client provided a XXX Post CD with corrections, $XXX refund check, LOE and proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score exceeds XXX min |
| 408073525 | Final (Consummation) CD and Post (Funding) CD reflect understated Finance Charges by $XXX due to the Lender's exclusion of the $XXX Application Fee from their testing, per the Fee Details Form. Internal testing includes the Application Fee as an APR charge. Provide borrower with a $XXX refund, Post CD correcting the Loan Calculations, LOE to borrower and proof of delivery that includes tracking information. | XXX Client provided a XXX Post CD with corrections, $XXX refund check, LOE and proof of delivery. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score exceeds XXX min |
| 408073525 | File has Expired statements for XXX XXX XXX #XXX XXX and #XXX XXX Provide XXX months statements for each account dated within XXX days of the Note date XXX | XXX Client provided XXX, XXX and XXX XXX, XXX XXX #XXX bank statement with balance of $XXX; still missing current XXX months XXX bank statements for #XXX however with further review updated reserves are $XXX or XXX months with removing XXX #XXX account. Sufficient reserves with #XXX assets | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score exceeds XXX min |
| 408073525 | file is missing paystubs for B2 and paystubs in file for B1 are stale dated; Provide paystubs for each Borrower dated within XXX days of the Note date | XXXClient provided current YTD paystubs for both borrowers supporting monthly income used for qualifying along with monthly bonus income of $XXX for B1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score exceeds XXX min |
| 408073525 | File is Missing the 1008 | XXX Client provided Lender 1008 | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score exceeds XXX min |
| 408073530 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has significant time (XXX years) at current job<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves 12.45 exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines |
| 408073535 | Regarding B1 (XXX) rental housing history, Missing rental housing history for most recent months: XXX - XXX XXXNote date XXX | XXX Client provided duplicate in file rental housing history however still missing B1 (XXX) housing history from XXX - XXX XXX (Note date XXX) XXX Client provided duplicate (in file) rental housing history for B2 however this condition remains for B1 (XXX) housing history from XXX - XXXt XXX (subject Note date XXX) Note: this condition is regarding B1 (XXX) NOT B2 (XXX)XXX Client provided borrowers LOX stating B1 (XXX) was living with B2 (XXX) from XXX - current XXX at address XXX XXX XXX #XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX months exceed guidelines |
| 408073535 | Current VVOE for both borrowers are in file dated XXX however Missing Previous VVOE for both borrowers previous employment to support if any gaps. | XXXClient provided both borrowers duplicate (in file) current employment VVOE however initial condition is regarding both borrowers PREVIOUS employment VVOE's. Condition remains, missing previous employment VVOE's for both borrowers covering XXX years of employment and any gaps to be addressed, if applicable. XXX Client provided date calculator however this condition remains for both borrowers PREVIOUS employment VVOE's, both borrowers with current employment less than XXX years. Condition remains, missing previous employment VVOE's for both borrowers covering XXX years of employment history and any gaps to be addressed, if applicable. XXX Client provided previous VVOE for both borrowers along with updated employment 1003 pg. for B2 updating previous employment date, however with review of B2 (XXX) current employment VVOE it appears we are missing the hire date of XXX (per 1003) but is further supported with documentation in file. Note: B2 current employment VVOE w/XXX XXX do not reflect hire date of XXX however contract in loan file was signed by borrower on XXX, XXX (pg. 282 and pg. 406 reflects was living in XXX XXX while in Spring training which further supports was hired in XXX XXX) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX months exceed guidelines |
| 408073535 | Seller acquired subject on XXX (within XXX days of Contract date) for $XXX and current value is $XXX; Purchase Contract dated XXXMissing 2nd full appraisal Note: Appraiser did comment on the increased value | XXX Client provided copy of grant deed which shows seller acquired property XXX XXX, XXX which is what the appraiser reflects, initial condition remains XXX Client requested a review; upon review the Grant deed is dated XXX and Notarized (executed) XXX which is over XXX days prior to Contract date. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX months exceed guidelines |
| 408073535 | Missing 3rd party CDA valuation supporting appraised value Note: Condition on file for 2nd full appraisal, if provided than 3rd party CDA not required | XXX Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance Note: This condition is satisfied, separate condition on file for 2nd full appraisal due to seller acquiring property XXX XXX and Sales Contract dated XXX XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves XXX months exceed guidelines |
| 408073563 | Reserves verified (Gifts excluded) are $XXX or XXX months PITI and required reserves are XXX months for subject $XXX plus XXX months for 1 REO $XXX x6=$XXX = $XXX total required - $XXX verified = $XXX short reserves | XXX Client requested a review ; upon review two 401K accounts are adjusted to reflect the Net Balances after 401K loans resulting in Verified reserves of $XXX and $XXX is required | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current home<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years XXX months at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: XXX years XXX months at current job |
| 408073563 | File is missing Gift letters for two gifts $XXX and $XXX and copy of checks or wires | XXX Client provided gift letter totaling $XXX ($XXX and $XXX) and provided copy of $XXX incoming wire transfer receipt from title company and is reflected on final CD as EMD and provided other evidence of incoming wire receipt of funds of $XXX at closing from title company. Note: Borrower own XXX% of $XXX is what is left/needed for closing after giving gift funds credit | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current home<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years XXX months at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: XXX years XXX months at current job |
| 408073563 | Provide supporting documents for subject Tax calculation | XXX Client provided updated 1008 with tax calculation of using XXX= $XXX + $XXX special assessments = $XXX however CA property and DD reviewer is using XXX% + special assessment for monthly of $XXX + XXX = $XXX for an updated DTI of XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current home<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years XXX months at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: XXX years XXX months at current job |
| 408073567 | Zero tolerance of $XXX due to increase of Discount points on CD XXX with no COC in file for change. Provide at valid reason for this increase or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. | XXX Client provided a copy of the e-signed XXX CD and a XXX COC stating Removal of borrower, Discount $XXX. Condition remains. Lender to provide further explanation for the Discount Points increase. Additional conditions may apply, including refund to borrower.XXX Client provided an Email LOE and pricing adjustments due to new credit/fico/borrower removal. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years + same line of work<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years + at primary residence |
| 408073567 | Max DTI for 2nd home is XXX%Qualifying DTI is XXX%Due to differing rental income calcs | XXX Client requested a review; rental income revised using XXX% of current lease $XXX Net for XXX XXX REO; updated DTI XXX%XXX Client provided Lender LOX stating see updated rental worksheet and 1008/1003 along w/updated AUS with new negative net loss -$XXX rental for property XXX XXX XXX with an updated DTI of XXX%, condition remains DTI of XXX% exceeds guidelines maximum of XXX% for 2nd Home Note: updated AUS DTI 43.60% however loan file is NOT AUS Select QM XXX Client provided approved exception for DTI of XXX% | Final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years + same line of work<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years + at primary residence |
| 408073567 | Borrower to provide LOE for job gap from XXX - XXX.May be subject to additional conditions upon review. | XXX Client provided post close gap of employment LOX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years + same line of work<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years + at primary residence |
| 408073567 | Missing income worksheets for 1065 | XXX Client provided exception for Missing XXX employed income analysis (if DD firm can complete income calc with out it) | Initial and final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years + same line of work<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years + at primary residence |
| 408073567 | Missing P/l for 1065 | XXX Client provided exception for missing p/l when < XXX% total income | Initial and final grade B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years + same line of work<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years + at primary residence |
| 408073567 | Appraiser to provide photo of subject living room | XXX Client provided updated appraisal with photo of subject living room | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years + same line of work<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years + at primary residence |
| 408073581 | The Seller CD reflects additional closing costs that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Mid credit score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified post close reserves of $XXX For XXX months |
| 408073581 | Missing most recent award letter for Pension in the amount of $XXX | XXX Client provided the 2022 Pension award letter $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Mid credit score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified post close reserves of $XXX For XXX months |
| 408073581 | IRA disbursement not set up for a minimum of XXX months | XXX Client provided approved exception for missing minimum of XXX months set up | XXX final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Mid credit score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified post close reserves of $XXX For XXX months |
| 408073597 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has significant time (XXX years) at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: B1 have additional documented income (per written voe) not used in qualifying, OT and Bonus |
| 408073597 | Unable to test a loan product due to missing initial CD in file | XXX Client provided the Initial XXX CD and E-consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has significant time (XXX years) at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: B1 have additional documented income (per written voe) not used in qualifying, OT and Bonus |
| 408073597 | Missing initial CD acknowledged by borrowers min XXX business days prior to consummation date. | XXX Client provided the Initial XXX CD and E-consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has significant time (XXX years) at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: B1 have additional documented income (per written voe) not used in qualifying, OT and Bonus |
| 408073602 | DTI is greater than XXX% File is missing residual income calculation. | XXX Client provided approved waiter for residual income missing. Okay to use DD firm as long as it is within program requirements. | XXX initial and final grade of B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years in business<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves required and XXX months verified |
| 408073602 | 10% tolerance of XXX due to increases of Settlement/Closing and Notary fees that are missing Valid reasons on COC XXX. Provide Valid reason for these fee increases in section B, did not shop for, after initial disclosure or, PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tacking. | XXX Client provided duplicate copies of the XXX COC, CD and Tracking. Condition remains. The Change Reason (Purchase Price change) does not provide a valid explanation for the Settlement Fee and Notary Fee increases. Lender to provide further details for review. Additional conditions may apply, including refund of $XXX to Borrower.XXX Client provided CD XXX with LOE to borrower, a copy of refund check and XXX slip. Condition satisfied | 11/01/2022 Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years in business<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves required and XXX months verified |
| 408073602 | E-Sign Process Summaries in file reflect Per Package consent acceptance. Summary for LE XXX e-signed XXX is missing e-consent. Lender to provide. | XXX Client provided the XXX eSign Summary reflecting the package e-consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years in business<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: XXX months reserves required and XXX months verified |
| 408073606 |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Required reserves are $XXX, borrowers post close reserves are $XXX or XXX months |
| 408073609 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years at job<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX% DTI<br>CFCFS2860: Good credit history<br> - XXX Comments: XXX qualifying score |
| 408073621 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Mid credit score of XXX |
| 408073621 | Zero tolerance in amount of $XXX due to added Lock Extension fee. COC dated XXX found in file but a corresponding CD is missing. Condition is pending receiving disclosure for further review. | 11/15/22 Client provided the XXX CD and Rate Lock. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Mid credit score of XXX |
| 408073626 | Seller-paid fees, RE BK (S) & others, that should be disclosed in Sections F & H are not disclosed on Final CD XXX; Seller's CD in file & able to test/source it. | (No Data) | Fees sourced on Seller CD. Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years XXX months at current business<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence |
| 408073626 | UW cash flow analysis shows recent overdrafts in Bus bank accounts XXXnegative balance $XXX | XXX Client provided an approved exception to allow the Bus assets with recent NSF charges | XXX final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years XXX months at current business<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX months at current residence |
| 408073627 | Required Affiliate Business Disclosure missing in file. Provide Affiliated Business Disclosure. | 10/19/22 Client provided the ABD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets verified for reserves $XXX or XXX months and XXX months PITI are required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% qualifying LTV |
| 408073627 | Not all required seller-paid fees were disclosed on the final Cd. | (No Data) | Condition satisfied. File contains the Seller CD and/or Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets verified for reserves $XXX or XXX months and XXX months PITI are required<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: XXX% qualifying LTV |
| 408073634 | B2 does not meet tradeline requirements | XXX Client provided exception for: Tradelines not meeting the requirements per guidelines | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - XXX Comments: B1: XXX years same line of workB2: XXX years same line of work |
| 408073638 | List of homeowners counseling organizations not located in file | XXX Client provided the HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX month at residence<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work |
| 408073638 | Affidavit of Fair Market Value not signed by lender | XXX Client provided the FMV Affidavit signed by the lender at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX month at residence<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work |
| 408073638 | Fox Savings plan asset statement is dated XXX, > XXX days old, as Note date is XXX.Provide asset statements meeting guidelines. May be subject to additional conditions upon review. | XXX Client provided updated XXX 401k statement dated XXX along with terms | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX month at residence<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work |
| 408073638 | XXX months most recent consecutive asset statements are required.XXX Savings Plan statement in file is only for 1 day and d expired, dated: XXX - XXX.Provide asset statements meeting guidelines, to support required reserves. May be subject to additional conditions upon review. | XXX Client provided updated XXX 401k statement dated XXX - XXX along with terms | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX month at residence<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work |
| 408073638 | Provide Missing updated valuation Value not yet supported May be subject to additional conditions upon review | XXX Client provided Field review dated XXX supporting appraised value | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX qualifying score<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years XXX month at residence<br>CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years same line of work |
| 408073664 | The signature page of the 1004D re-cert of value is cut off; Provide a legible copy of the 1004D | XXX Client provided executed legible copy of subject 1004D re-cert of value Initial appraisal dated XXX and 1004D re-cert of value dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: per LOX XXX years in same profession<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: Subject XXX LTV and Max LTV is XXX |
| 408073675 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves exceed guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has significant time (XXX years) at current job |
| 408073675 | Regarding XXX Financial debt, business pays this debts and XXX months business bank statements in file, however missing evidence of XXX XXX payment being paid by business. May statement in file does not reflect this debt being paid by business Note: XXX months without May payment have been verified however with missing May payment, verified payments are not consecutive months. June payment that was paid by business is a double payment that appears to cover June/July per borrower LOX (pg. 480)However Lender 1008 states, May and June payment was made as one payment, however appears it was June/July payment made at one time (per borrower LOX) Missing evidence of XXX XXX XXX payment made by business | 11.23.2022 Client provided appears to be duplicate business bank statements verifying business making XXX Auto Lease payments however still missing XXX XXX payment being paid by business. Note: Business made a double payment in June for XXX auto lease that appears to be for June/July per the borrower LOX (pg. 480), missing evidence of May payment, paid by the business 11/23 Client provided an approved exception to allow the file missing evidence Bus paid the XXX payment for XXX | XXX final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves exceed guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has significant time (XXX years) at current job |
| 408073675 | Choice Program with maximum DTI of 49.99%; subject DTI is XXX% | (No Data) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves exceed guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has significant time (XXX years) at current job |
| 408073675 | B1 3rd party SOS/VVOE is not dated, and file has Lender VVOE verifying XXX employment with Manager at the business. Provide SOS (3rd party VVOE) verifying XXX employment within XXXdays of Note date | 11.23.2022 Client provided SOS for B1 business that appears to be dated todays date (XXX), condition remains for prior to closing 3rd party SOS dated within 30 calendar days of Note. 11/23 Client provided an approved exception to allow the file with the post close dated 3rd party VOE | XXX final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified reserves exceed guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 has significant time (XXX years) at current job |
| 408073692 |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: XXX DTI below XXX% Max<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years in business |
| 408073729 |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: XXX years XXX months on current Job<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: XXX years at current residence |
| 408073731 | Loan is Rebuttable presumption | 11/29 Client changed the file to Choice; RP APOR is accepted | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Current employment for over XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Mid credit score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified post close reserves of $XXX or over XXX months |
| 408073731 | Program changed from Select AUS to Choice; 2021 1040 reviewed, file is missing two years 1040s/ Sch Cs | 11/29 Client provided an approved exception to allow the file with 1 year 1040 schedule C and a YTD P&L; missing 2nd year 1040 sch c | XXX final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Current employment for over XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Mid credit score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified post close reserves of $XXX or over XXX months |
| 408073737 | Condition added after receipt of liquid funds for closing Final 1003 assets currently do not reflect sufficient liquid funds to close, 2 months bank statements and most recent bank print out have been provided for account: XXX Bank #XXX with balance of $XXX which is NOT reflected on final 1003 and was used towards funds to close. Provide updated final 1003 with considering this liquid account, currently assets on 1003 are not sufficient liquid assets for closing. | 1/9 Client provided page 2 of a 1003 with Assets; Provide the complete (all pages) of the corrected 10031/11 Client provided all pages of the corrected 1003 | satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Additional documented income not used in qualifying<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time XXX years) at current job |
| 408073737 | Seller fees listed on Seller CD but not Borrower Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Additional documented income not used in qualifying<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time XXX years) at current job |
| 408073737 | The Revised XXX CD reflects an added Pest Inspection Fee in Section C. This charge was not disclosed on the LE, and there was no provider for this service on the SPL. The COC in file does not reflect a valid Reason for the added charge at Closing. As the fee was placed in Section C on the CD, the charge was tested in the 10% tolerance bucket. Lender to provide further details/explanation for review, or provide borrower with a $XXX refund with corrected Post CD, LOE and Tracking. | 12/08/22 Client provided a duplicate copy of the XXX COC. Condition remains. The COC in file does not reflect a valid Reason for the added charge at Closing. As the fee was placed in Section C on the CD, the charge was tested in the 10% tolerance bucket. Lender to provide further details/explanation for review, or provide borrower with a $XXX refund with corrected Post CD, LOE and Tracking.12/22/22 Client provided an Email from the Title Company that states "Please see the attached revised. We just received a new invoice to be paid from buyer." Condition remains. This does not provide a valid change reason/explanation for the fee addition. Lender to provide further details/explanation for review, or provide borrower with a $XXX refund with corrected Post CD, LOE and Tracking.12/27/22 Client provided rebuttal with LOE accepting of unlimited tolerance for the pest inspection. Review by internal Compliance counsel accepts. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Additional documented income not used in qualifying<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time XXX years) at current job |
| 408073737 | Short Liquid funds to close of $XXX due to XXX #XXX is an XXX account (not verified liquidated), if being used for funds to close will need to verify liquidation of the account | 12.5.2022 Client provided LOX stating file having a cashiers check in the amount of $XXX (pg. 328) which is the same cash to close amount on subject final CD (pg. 176), Response Agree, however missing most recent history for this account w/XXX Bank #XXX Condition remains for most recent history for this account #XXX (from XXX - current) prior to withdrawal of cash to close funds. Note: File have a print out history of this account #XXX (pg. 164) from XXX - XXX which do not support this wire for funds to close. 12.23.2022 Client provided September/October and some of November 2022 bank statement for XXX #XXX which supports funds to close coming from this account of $XXX however also supports a large deposit from XXX on XXX in the amount of $XXX; condition remains missing XXX documentation to source this large deposit of $XXXNote: after this XXX deposit than cashier check for funds to close was purchased/withdrawn 1.6.2023 Client provided October, November and December 1, XXX XXX statement and the October to November XXX XXX statement reflects a $XXX withdrawal on November XXX, XXXX that further appears to support the large deposit of $XXXw/XXX on XXXin the XXX #XXX in addition asset depletion monthly income of $XXX is coming from XXX balance, with considering the most recent XXX statement balance after this $XXX withdrawal, monthly income of $XXX is still supported with using November XXX, XXX balance of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Additional documented income not used in qualifying<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time XXX years) at current job |
| 408073737 | DTI XXX% within guidelines maximum. Maximum DTI is XXX% | (No Data) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Additional documented income not used in qualifying<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time XXX years) at current job |
| 408073737 | Asset Depletion income of $XXX appears to be coming from borrowers current employment XXX, in addition missing terms of this employer XXX | 12.9.2022 Client provided employer terms of XXX and per withdrawals terms (pg. 63) there are many types of withdrawals available from the savings plan for active employees, including age XXX withdrawals and further states the minimum withdrawal under this option is $XXX or the available balance in your account. B1 meets this age requirement and been with employer over XXX years | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Verified cash reserves exceed guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - XXX Comments: Additional documented income not used in qualifying<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time XXX years) at current job |
| 408073738 | DD Firm QM status Rebuttable Presumption vs Lender QM Safe Harbor status | 12/14 Client changed the program to choice 30y and accepted the finding of RP APOR | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% below guideline requirements<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has significant time (XXX years) at current job |
| 408073738 | Regarding Gift File have six (6) gift letters from NPS in the amount of $XXX $XXX, $XXX, $XXX, $XXX and $XXX along with the transfer from NPS to our borrower account which is verified in file however appears there is two (2) additional gifts that was given by NPS in the amount of $XXX and $XXX (pg. 575 supports this as well) but (1). missing gift letters from NPS for these two additional gifts XXX and $XXX and total gift should be $XXXvs $XXXNote: the two gifts of $XXX and $XXX cannot be backed out of assets, or will be short reserves if backed out, gift letters is required | 12/19 Client provided 2 gift letters supporting the gifts for XXX and XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% below guideline requirements<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has significant time (XXX years) at current job |
| 408073738 | Loan changed to Choice; provide an updated Lock reflecting choice | 12.14.2022 Client provided lock confirmation switching program from Select AUS to Choice QM | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% below guideline requirements<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has significant time (XXX years) at current job |
| 408073738 | Max loan amount with a Non Occupant Co Borrower is $XXX and the subject loan is $XXX | 12/20 Client provided an approved exception to allow the file with a loan amount of $XXX | XXX final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV XXX% below guideline requirements<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 has significant time (XXX years) at current job |
| 408073739 | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years in the profession<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score with XXX min |
| 408073739 | Missing 1004D showing all items completed | 12/21 Client provided photos and inspections, all items requiring repairs have been completed. | satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: XXX years in the profession<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: XXX score with XXX min |
| 408073747 | 1) Missing new mortgage statement for departing residence to support rental income, 2) missing deposit for rental income and evidence of deposit into borrowers account as statement on 1008, rental income to be recalculated, taxes are $XXX and hazard is $XXX | 11/29 Client requested a review; upon review the lender used form 1007 to verify rental income of $XXX; condition remains for mortgage statement for departing residence after refinance to confirm PITI11.30.2022 Client provided executed final CD from refinance of other REO owned: XXX XXX XXX verifying P& I of $XXX and taxes/hoi of $XXX for total PITIA of $XXX with no hoa per 1st pg. of appraisal | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has over XXX years at departing<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Mid credit score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% |
| 408073747 | The Seller CD reflects additional closing costs, including the Seller RE Commission fee, that were not disclosed on the Borrower's Final CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has over XXX years at departing<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Mid credit score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% |
| 408073747 | Short finds to close in the amount of $XXX, missing evidence of refinance of departing XXX XXX XXX W with proceed to be for close of subject | 11.30.2022 Client provided executed final CD from refinance of other REO owned: XXX XXX XXX with cash out proceeds of $XXX which is being used towards subject new purchase transaction, sufficient liquid funds to close verified | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has over XXX years at departing<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Mid credit score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% |
| 408073747 | Missing verification of new PITI for departing residence, reserves required of XXX months PITI to be calculated when new mortgage statement is received | 11.30.2022 Client provided executed final CD from refinance of other REO owned: XXX XXX XXX verifying P& I of $XXX and taxes/hoi of $XXX for total PITIA of $XXX with no hoa per 1st pg. of appraisal, sufficient reserves verified In addition, final CD provided supports cash to borrower of $XXX from refinance | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has over XXX years at departing<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Mid credit score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% |
| 408073747 | 1) Missing new mortgage statement for departing residence to support rental income, 2) missing deposit for rental income and evidence of deposit into borrowers account, rental income to be recalculated, taxes are $XXX and hazard is $XXX | 11/29 Client requested a review; upon review the lender used form 1007 to verify rental income of $XXX; condition remains for mortgage statement for departing residence after refinance to confirm PITI11.30.2022 Client provided executed final CD from refinance of other REO owned: XXX XXX XXX verifying P& I of $XXX and taxes/hoi of $XXX for total PITIA of $XXX with no hoa per 1st pg. of appraisal | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has over XXX years at departing<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Mid credit score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% |
| 408073784 | eSign Process Summary dated XXX found in file, but missing Revised LE XXX and COC. Condition is pending receiving revised LE XXX and COC. | 12/08/22 Client provided the missing XXX COC and LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 and B3 XXX years at current employment<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: B2 and B3 mid credit scores of XXX and XXX |
| 408073784 | $,XXX Zero Tolerance due to increase in Discount Points without a valid COC in file. Provide the COC for further testing. The file contains an eSign Process Summary dated XXX that reflects a Revised LE and COC were sent, however neither were found in file. | XXX Client provided the missing XXX COC and LE for the Rate Lock/Points. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 and B3 XXX years at current employment<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: B2 and B3 mid credit scores of XXX and XXX |
| 408073784 | Missing XXX months consecutive XXX XXX XXX statement for accounts #XXX, #XXX, #XXX and #XXX to support funds to close and reserves short funds to close in the amount of $XXX | 12.6.2022 Client provided B2/B3 XXX #XXX and #XXX August and September bank statement supporting liquid assets of $XXX Note: $XXX unsourced deposit in #XXX which is not needed, can be backed out | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 and B3 XXX years at current employment<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: B2 and B3 mid credit scores of XXX and XXX |
| 408073784 | Missing 3rd party CDA valuation supporting appraised value | 12/20 Client provided a CDA supporting the subject appraisal with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: B2 and B3 XXX years at current employment<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: B2 and B3 mid credit scores of XXX and XXX |
| 408073830 | Subject Primary purchase is in Florida and borrower XXX employment is in other states (several XXX employments). File has LOX from borrower (pg. 794) stating this is how we have been operating in the past. Not sure how they have been operating in the past if both of his REO's owned (including current primary) is in Texas, not Florida residence is reflected on REO. (1). Further detail clarification from borrower how have we been operating in the past like this if both properties he owns is in TX and XXX employment is in TX. In addition (2). 1003 states departure home in TX will be 2nd Home, it appears Subject is Investment due to NPS currently owns a condo in XXX | XXX Client provided Lender LOX stating NPSpouse condo in XXX appears to be listed for rent on Realtor.com and XXX would snag those pages to support that one is rented or soon to be rented. Response, did not receive the Realtor.com nor the XXX to support status of NPSpouse property. Condition remains (1). for review of documentation per the Lender LOX and (2). subject Occupancy as primary is still questionable (with borrower XXX employment in TX etc. and NPSpouse having a property in Ft. XXX which is less than a mile from subject) 2.3.2023 Client provided copy of Realtor.com for NPS property verifying to be rented and provided borrower business website: XXX XXX about us with including employees for the business and LOX in file from borrower (pg. 794) stating subject will be his primary in FL and does not have any impact on how my business operates, with having a General Manager that overseas all day-to-day sales, operations, and XXX services and have been operating this way in the past, therefore the company will not be affected by my primary residence being in Florida. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) with current XXX employment |
| 408073830 | Business Funds are being used for Down payment and closing cost and for reserves (LTV is XXX%) File has 3 months bank statements for both business accounts #XXX and #XXX however missing Business Asset Cash Flow Analysis for each (2) business account along with if any negative impact to business, use of funds. | 2.3.2023 Client provided the duplicate 3 months business bank statements for #XXX and #XXX along with Business Asset Cash Flow Analysis for #XXX (XXX) and #XXX the business:XXX XXX Family, LLC is no longer active per CPA Letter in file (pg. 789) and LOX from bank verifies borrower is sole owner of this account #XXX (pg. 788), condition remains for missing statement on asset analysis if any negative effect on business with use of funds for #XXX Note: Access letter from partner is in file (borrower have XXX% ownership with #XXX business account) other partners have XXX% each 2.3.2023 Client provided updated business asset cash flow analysis with statement there would be no negative impact to the business with the use of funds from the business | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) with current XXX employment |
| 408073830 | Regarding Departure home PITIA, MTG statement reflects PITIA of $XXX and 1003 reflects $XXX however 1003 also reflects $XXX which is NOT verified. Borrower LOX in file (pg. 796) states no HOA | 2.3.2023 Client provided Lender LOX stating the $278.95 is adding in the difference for the non-homestead amount, for DTI purposes | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) with current XXX employment |
| 408073830 | Vesting per Mortgage is: XXX XXX and XXX XXX XXX, Husband and Wife Vesting per Warranty Deed: XXX XXX , a Married Man Title vesting does not agree with Mortgage, Provide warranty deed to reflect same vesting as Mortgage OR provide updated Mortgage to reflect same vesting as Warranty Deed | 2/9 Client provided rebuttal.. Mortgage is correct as the subject is in Florida, however do need title to match mortgage, client to provided final title with wife on title2/10 Client requested a review; upon review the Warranty deed matches the Title with the Borrower as the Vested Owner, The Non Borrowing spouse signed the mortgage per Florida homestead rights | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) with current XXX employment |
| 408073830 | Subject Purchase is Primary in XXX (Condo) and borrower LOX in file (pg. 793) reflects Non Purchasing Spouse having a property at XXX XXX XXX #XXX XXX, Fl. and subject address is XXX XXX XXX XXX #XXX XXX This does NOT support as being primary, in addition subject and spouse other property is only 4 minutes away (0.8 miles from each other) | 2.3.2023 Client provided Lender LOX stating NPSpouse condo in XXX XXX shows condo for rent. Response, did not receive the Realtor.com nor the XXX to support status of NPSpouse property. Condition remains (1). for review of the documentation per the Lender LOX and (2). subject Occupancy as primary is still questionable (with borrower XXX employment in TX etc. and NPSpouse having a property in Ft. Lauderdale)In addition, Borrower current housing is in TX for the past 14 years (per 1003) and XXX employment in same area as current primary in TX, move to XXX is not supported as being primary. 2.3.2023 Client provided copy of XXX for NPS property verifying to be rented and provided borrower business website: Frontier Roofing about us with including employees for the business and LOX in file from borrower (pg. 794) stating subject will be his primary in FL and does not have any impact on how my business operates, with having a General Manager that overseas all day-to-day sales, operations, and XXX services and have been operating this way in the past, therefore the company will not be affected by my primary residence being in Florida. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) with current XXX employment |
| 408073830 | Vesting per Mortgage is: XXX XXX and XXX XXX XXX, Husband and Wife Vesting per Warranty Deed: XXX XXX, a Married Man Title vesting does not agree with Mortgage, Provide warranty deed to reflect same vesting as Mortgage OR provide updated Mortgage to reflect same vesting as Warranty Deed | 2/10 Client requested a review; upon review the Warranty deed matches the Title with the Borrower as the Vested Owner, The Non Borrowing spouse was required to sign the mortgage per Florida homestead rights | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) with current XXX employment |
| 408073830 | Appraisal reflects # of units 400 and 400 sold and 16 for sale If 16 are for sale, than 384 should be reflected as sold Appraiser to provide corrected info | 2.3.2023 Client provided updated appraisal with appraiser commenting subject is not a new construction, all the units have sold and are under ownership, however at the time of the effective date of the appraisal 16 were listed for sale. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score XXX exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX% below guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: Borrower has significant time (XXX years) with current XXX employment |
| 408073837 | File contains 1 CD e-signed on XXX Lender to confirm this was the only CD delivered to the borrower, or provide the missing CD that was signed at Consummation on XXX. | 02/01/2023 Client provided missing Final CD XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 at current employment XXX years XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co Borrower at current employment XXX years XXX months |
| 408073837 | Zero Tolerance testing failed by $XXX due to the added Processing Fee on the Initial XXX CD. There is a COC in file that does not reflect a "Date of Change", and additionally, the Comment/Reason states Borrower Requested a Processing Fee. Additional details/explanation is required to determine if a valid Reason exists for the addition of this charge. It does not appear to be a placement change from the $XXX Processing Fee that was reflected on the XXX LE in Section A. | 02/01/2023 Client provided email confirmation that processing fee was a placement error and should have been in section B. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 at current employment XXX years XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co Borrower at current employment XXX years XXX months |
| 408073837 | Missing updated valuation | 2/1 Client provided valuation that supports the appraisal value | satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: B1 at current employment XXX years XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI XXX%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - XXX Comments: Co Borrower at current employment XXX years XXX months |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-2** |
| **Start - End Dates:** | **8/23/2012 - 1/3/2023** |
| **Deal Loan Count:** | **282** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *282* |
| ***Loans with Conditions:*** | *246* |

---

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** |
| 10000019297 | No | XXXXXX | XXXXXX C A |
| 10000019302 | No | XXXXXX | XXXXXX B A |
| 12XXXXXX93 | No | XXXXXX | XXXXXX D B A |
| 12XXXXXX57 | No | XXXXXX | XXXXXX D B A |
| 12XXXXXX67 | No | XXXXXX | XXXXXX A |
| 12XXXXXX58 | No | XXXXXX | XXXXXX D B C A |
| 15XXXXXX06 | No | XXXXXX | XXXXXX D A C |
| 15XXXXXX09 | No | XXXXXX | XXXXXX B A |
| 15XXXXXX10 | No | XXXXXX | XXXXXX D B A C |
| 15XXXXXX96 | No | XXXXXX | XXXXXX C B A |
| 15XXXXXX11 | No | XXXXXX | XXXXXX D A |
| 15XXXXXX38 | No | XXXXXX | XXXXXX A |
| 15XXXXXX29 | No | XXXXXX | XXXXXX C B A |
| 15XXXXXX91 | No | XXXXXX | XXXXXX A |
| 15XXXXXX66 | No | XXXXXX | XXXXXX C A |
| 15XXXXXX60 | No | XXXXXX | XXXXXX C A |
| 17XXXXXX51 | No | XXXXXX | XXXXXX D B A |
| 17XXXXXX16 | No | XXXXXX | XXXXXX D B A |
| 406045387 | No | XXXXXX | XXXXXX D A |
| 408020904 | Yes | XXXXXX | XXXXXX B A |
| 408022102 | Yes | XXXXXX | XXXXXX A |
| 408022120 | Yes | XXXXXX | XXXXXX D A C |
| 408022135 | Yes | XXXXXX | XXXXXX A |
| 408022137 | Yes | XXXXXX | XXXXXX D B A C |
| 408022171 | Yes | XXXXXX | XXXXXX C B A |
| 408022174 | Yes | XXXXXX | XXXXXX A |
| 408022180 | Yes | XXXXXX | XXXXXX D B A |
| 408022186 | Yes | XXXXXX | XXXXXX D A |
| 408022206 | Yes | XXXXXX | XXXXXX D B A |
| 408022229 | Yes | XXXXXX | XXXXXX C A |
| 408022281 | Yes | XXXXXX | XXXXXX D B A |
| 408022293 | Yes | XXXXXX | XXXXXX C B A |
| 408022323 | Yes | XXXXXX | XXXXXX C B A |
| 408022638 | Yes | XXXXXX | XXXXXX D A |
| 408064092 | Yes | XXXXXX | XXXXXX D B A |
| 408067379 | Yes | XXXXXX | XXXXXX D A |
| 408068568 | Yes | XXXXXX | XXXXXX A |
| 408068650 | Yes | XXXXXX | XXXXXX C B A |
| 408069598 | Yes | XXXXXX | XXXXXX B A |
| 408069685 | Yes | XXXXXX | XXXXXX D B A C |
| 408069693 | Yes | XXXXXX | XXXXXX D B A |
| 408069970 | Yes | XXXXXX | XXXXXX D A |
| 408070034 | Yes | XXXXXX | XXXXXX C B A |
| 408070039 | Yes | XXXXXX | XXXXXX C B A |
| 408070507 | Yes | XXXXXX | XXXXXX D B A |
| 408070528 | Yes | XXXXXX | XXXXXX A |
| 408070536 | Yes | XXXXXX | XXXXXX A |
| 408070551 | Yes | XXXXXX | XXXXXX B A |
| 408070562 | Yes | XXXXXX | XXXXXX D A |
| 408070596 | Yes | XXXXXX | XXXXXX D B A |
| 408070633 | Yes | XXXXXX | XXXXXX D B A C |
| 408070648 | Yes | XXXXXX | XXXXXX B A |
| 408070716 | Yes | XXXXXX | XXXXXX D B A |
| 408070733 | Yes | XXXXXX | XXXXXX D A |
| 408070739 | Yes | XXXXXX | XXXXXX A |
| 408070740 | Yes | XXXXXX | XXXXXX A |
| 408070742 | Yes | XXXXXX | XXXXXX B A |
| 408070747 | Yes | XXXXXX | XXXXXX C A |
| 408070748 | Yes | XXXXXX | XXXXXX C B A |
| 408070777 | Yes | XXXXXX | XXXXXX D B A C |
| 408070781 | Yes | XXXXXX | XXXXXX D B A |
| 408070784 | Yes | XXXXXX | XXXXXX D B A |
| 408070794 | Yes | XXXXXX | XXXXXX B A |
| 408070822 | Yes | XXXXXX | XXXXXX C A |
| 408070846 | Yes | XXXXXX | XXXXXX D B A |
| 408070865 | Yes | XXXXXX | XXXXXX D B A |
| 408070875 | Yes | XXXXXX | XXXXXX A |
| 408070907 | Yes | XXXXXX | XXXXXX B A |
| 408070909 | Yes | XXXXXX | XXXXXX A |
| 408070912 | Yes | XXXXXX | XXXXXX C B A |
| 408070920 | Yes | XXXXXX | XXXXXX D A |
| 408070954 | Yes | XXXXXX | XXXXXX D A |
| 408070961 | Yes | XXXXXX | XXXXXX D A C |
| 408070974 | Yes | XXXXXX | XXXXXX D A |
| 408070975 | Yes | XXXXXX | XXXXXX D B A |
| 408070986 | Yes | XXXXXX | XXXXXX D B A |
| 408071015 | Yes | XXXXXX | XXXXXX D A |
| 408071019 | Yes | XXXXXX | XXXXXX A |
| 408071027 | Yes | XXXXXX | XXXXXX B A |
| 408071033 | Yes | XXXXXX | XXXXXX A |
| 408071058 | Yes | XXXXXX | XXXXXX D A |
| 408071059 | Yes | XXXXXX | XXXXXX D A |
| 408071082 | Yes | XXXXXX | XXXXXX D B A |
| 408071117 | Yes | XXXXXX | XXXXXX D A |
| 408071126 | Yes | XXXXXX | XXXXXX A |
| 408071139 | Yes | XXXXXX | XXXXXX D B A |
| 408071142 | Yes | XXXXXX | XXXXXX A |
| 408071161 | Yes | XXXXXX | XXXXXX A |
| 408071185 | Yes | XXXXXX | XXXXXX A |
| 408071199 | Yes | XXXXXX | XXXXXX D A |
| 408071202 | Yes | XXXXXX | XXXXXX C B A |
| 408071217 | Yes | XXXXXX | XXXXXX A |
| 408071219 | Yes | XXXXXX | XXXXXX C A |
| 408071235 | Yes | XXXXXX | XXXXXX D B A |
| 408071241 | Yes | XXXXXX | XXXXXX C A |
| 408071243 | Yes | XXXXXX | XXXXXX A |
| 408071247 | Yes | XXXXXX | XXXXXX D A |
| 408071250 | Yes | XXXXXX | XXXXXX D B A C |
| 408071259 | Yes | XXXXXX | XXXXXX D B A |
| 408071270 | Yes | XXXXXX | XXXXXX D A |
| 408071288 | Yes | XXXXXX | XXXXXX A |
| 408071292 | Yes | XXXXXX | XXXXXX A |
| 408071327 | Yes | XXXXXX | XXXXXX C B A |
| 408071360 | Yes | XXXXXX | XXXXXX D A |
| 408071372 | Yes | XXXXXX | XXXXXX A |
| 408071373 | Yes | XXXXXX | XXXXXX A |
| 408071378 | Yes | XXXXXX | XXXXXX D B A |
| 408071383 | Yes | XXXXXX | XXXXXX A |
| 408071415 | Yes | XXXXXX | XXXXXX D A C |
| 408071424 | Yes | XXXXXX | XXXXXX D A |
| 408071439 | Yes | XXXXXX | XXXXXX D A C |
| 408071462 | Yes | XXXXXX | XXXXXX D B A |
| 408071527 | Yes | XXXXXX | XXXXXX C B A |
| 408071531 | Yes | XXXXXX | XXXXXX A |
| 408071532 | Yes | XXXXXX | XXXXXX A |
| 408071555 | Yes | XXXXXX | XXXXXX C B A |
| 408071556 | Yes | XXXXXX | XXXXXX A |
| 408071574 | Yes | XXXXXX | XXXXXX C A |
| 408071592 | Yes | XXXXXX | XXXXXX B A |
| 408071597 | Yes | XXXXXX | XXXXXX D A |
| 408071634 | Yes | XXXXXX | XXXXXX C A |
| 408071641 | Yes | XXXXXX | XXXXXX B A |
| 408071663 | Yes | XXXXXX | XXXXXX D A |
| 408071666 | Yes | XXXXXX | XXXXXX A |
| 408071686 | Yes | XXXXXX | XXXXXX D B A |
| 408071689 | Yes | XXXXXX | XXXXXX A |
| 408071720 | Yes | XXXXXX | XXXXXX D A |
| 408071724 | Yes | XXXXXX | XXXXXX A |
| 408071726 | Yes | XXXXXX | XXXXXX A |
| 408071757 | Yes | XXXXXX | XXXXXX C A |
| 408071765 | Yes | XXXXXX | XXXXXX C B A |
| 408071773 | Yes | XXXXXX | XXXXXX D A |
| 408071780 | Yes | XXXXXX | XXXXXX A |
| 408071781 | Yes | XXXXXX | XXXXXX B A |
| 408071787 | Yes | XXXXXX | XXXXXX A |
| 408071792 | Yes | XXXXXX | XXXXXX C B A |
| 408071800 | Yes | XXXXXX | XXXXXX B A |
| 408071816 | Yes | XXXXXX | XXXXXX D A |
| 408071817 | Yes | XXXXXX | XXXXXX C B A |
| 408071824 | Yes | XXXXXX | XXXXXX C B A |
| 408071829 | Yes | XXXXXX | XXXXXX D A C |
| 408071833 | Yes | XXXXXX | XXXXXX A |
| 408071836 | Yes | XXXXXX | XXXXXX B A |
| 408071856 | Yes | XXXXXX | XXXXXX D B A C |
| 408071858 | Yes | XXXXXX | XXXXXX A |
| 408071865 | Yes | XXXXXX | XXXXXX A |
| 408071876 | Yes | XXXXXX | XXXXXX D B C A |
| 408071988 | Yes | XXXXXX | XXXXXX D B A |
| 408071991 | Yes | XXXXXX | XXXXXX D A |
| 408071998 | Yes | XXXXXX | XXXXXX A |
| 408072011 | Yes | XXXXXX | XXXXXX A |
| 408072026 | Yes | XXXXXX | XXXXXX C B A |
| 408072033 | Yes | XXXXXX | XXXXXX A |
| 408072073 | Yes | XXXXXX | XXXXXX B A |
| 408072081 | Yes | XXXXXX | XXXXXX D A C |
| 408072094 | Yes | XXXXXX | XXXXXX C B A |
| 408072127 | Yes | XXXXXX | XXXXXX A |
| 408072128 | Yes | XXXXXX | XXXXXX D B A |
| 408072129 | Yes | XXXXXX | XXXXXX D B A |
| 408072137 | Yes | XXXXXX | XXXXXX C A |
| 408072139 | Yes | XXXXXX | XXXXXX D A C |
| 408072264 | Yes | XXXXXX | XXXXXX D A |
| 408072266 | Yes | XXXXXX | XXXXXX D A |
| 408072293 | Yes | XXXXXX | XXXXXX D B A |
| 408072307 | Yes | XXXXXX | XXXXXX C A |
| 408072350 | Yes | XXXXXX | XXXXXX D A C |
| 408072352 | Yes | XXXXXX | XXXXXX C A |
| 408072367 | Yes | XXXXXX | XXXXXX C A |
| 408072377 | Yes | XXXXXX | XXXXXX C B A |
| 408072392 | Yes | XXXXXX | XXXXXX D A |
| 408072394 | Yes | XXXXXX | XXXXXX D B A C |
| 408072403 | Yes | XXXXXX | XXXXXX C B A |
| 408072438 | Yes | XXXXXX | XXXXXX D B C A |
| 408072446 | Yes | XXXXXX | XXXXXX A |
| 408072449 | Yes | XXXXXX | XXXXXX A |
| 408072499 | Yes | XXXXXX | XXXXXX A |
| 408072520 | Yes | XXXXXX | XXXXXX C A |
| 408072572 | Yes | XXXXXX | XXXXXX D A |
| 408072581 | Yes | XXXXXX | XXXXXX D A C |
| 408072594 | Yes | XXXXXX | XXXXXX D A |
| 408072602 | Yes | XXXXXX | XXXXXX A |
| 408072609 | Yes | XXXXXX | XXXXXX B A |
| 408072645 | Yes | XXXXXX | XXXXXX A |
| 408072649 | Yes | XXXXXX | XXXXXX D B C A |
| 408072668 | Yes | XXXXXX | XXXXXX D A |
| 408072686 | Yes | XXXXXX | XXXXXX D A |
| 408072716 | Yes | XXXXXX | XXXXXX A |
| 408072725 | Yes | XXXXXX | XXXXXX C B A |
| 408072733 | Yes | XXXXXX | XXXXXX C A |
| 408072742 | Yes | XXXXXX | XXXXXX D A |
| 408072749 | Yes | XXXXXX | XXXXXX D A C |
| 408072767 | Yes | XXXXXX | XXXXXX C B A |
| 408072788 | Yes | XXXXXX | XXXXXX C B A |
| 408072791 | Yes | XXXXXX | XXXXXX A |
| 408072871 | Yes | XXXXXX | XXXXXX D B A |
| 408072892 | Yes | XXXXXX | XXXXXX D A C |
| 408072907 | Yes | XXXXXX | XXXXXX D B A |
| 408072945 | Yes | XXXXXX | XXXXXX D A |
| 408072949 | Yes | XXXXXX | XXXXXX B A |
| 408072950 | Yes | XXXXXX | XXXXXX A |
| 408072957 | Yes | XXXXXX | XXXXXX D B A |
| 408072964 | Yes | XXXXXX | XXXXXX C A |
| 408072974 | Yes | XXXXXX | XXXXXX B A |
| 408073030 | Yes | XXXXXX | XXXXXX A |
| 408073036 | Yes | XXXXXX | XXXXXX D A B |
| 408073040 | Yes | XXXXXX | XXXXXX C B A |
| 408073045 | Yes | XXXXXX | XXXXXX D B A |
| 408073046 | Yes | XXXXXX | XXXXXX C A |
| 408073050 | Yes | XXXXXX | XXXXXX C B A |
| 408073058 | Yes | XXXXXX | XXXXXX C B A |
| 408073083 | Yes | XXXXXX | XXXXXX C B A |
| 408073088 | Yes | XXXXXX | XXXXXX D B A |
| 408073133 | Yes | XXXXXX | XXXXXX B A |
| 408073138 | Yes | XXXXXX | XXXXXX B A |
| 408073144 | Yes | XXXXXX | XXXXXX D B A |
| 408073160 | Yes | XXXXXX | XXXXXX D A |
| 408073162 | Yes | XXXXXX | XXXXXX C A |
| 408073173 | Yes | XXXXXX | XXXXXX D B A C |
| 408073174 | Yes | XXXXXX | XXXXXX D B C A |
| 408073176 | Yes | XXXXXX | XXXXXX C B A |
| 408073182 | Yes | XXXXXX | XXXXXX D A |
| 408073207 | Yes | XXXXXX | XXXXXX B A |
| 408073216 | Yes | XXXXXX | XXXXXX C A |
| 408073224 | Yes | XXXXXX | XXXXXX D A C |
| 408073265 | Yes | XXXXXX | XXXXXX D A C |
| 408073274 | Yes | XXXXXX | XXXXXX C B A |
| 408073283 | Yes | XXXXXX | XXXXXX C B A |
| 408073287 | Yes | XXXXXX | XXXXXX C A |
| 408073305 | Yes | XXXXXX | XXXXXX A |
| 408073318 | Yes | XXXXXX | XXXXXX B A |
| 408073331 | Yes | XXXXXX | XXXXXX A |
| 408073354 | Yes | XXXXXX | XXXXXX D A |
| 408073357 | Yes | XXXXXX | XXXXXX B A |
| 408073363 | Yes | XXXXXX | XXXXXX B A |
| 408073378 | Yes | XXXXXX | XXXXXX D B A |
| 408073403 | Yes | XXXXXX | XXXXXX D A |
| 408073410 | Yes | XXXXXX | XXXXXX B A |
| 408073425 | Yes | XXXXXX | XXXXXX C A B |
| 408073429 | Yes | XXXXXX | XXXXXX A |
| 408073433 | Yes | XXXXXX | XXXXXX A |
| 408073442 | Yes | XXXXXX | XXXXXX A |
| 408073444 | Yes | XXXXXX | XXXXXX C A |
| 408073451 | Yes | XXXXXX | XXXXXX D A |
| 408073452 | Yes | XXXXXX | XXXXXX D A B |
| 408073455 | Yes | XXXXXX | XXXXXX D A |
| 408073459 | Yes | XXXXXX | XXXXXX A |
| 408073470 | Yes | XXXXXX | XXXXXX A |
| 408073473 | Yes | XXXXXX | XXXXXX A |
| 408073475 | Yes | XXXXXX | XXXXXX C B A |
| 408073485 | Yes | XXXXXX | XXXXXX A |
| 408073488 | Yes | XXXXXX | XXXXXX D A C |
| 408073490 | Yes | XXXXXX | XXXXXX A |
| 408073499 | Yes | XXXXXX | XXXXXX C A |
| 408073504 | Yes | XXXXXX | XXXXXX A |
| 408073519 | Yes | XXXXXX | XXXXXX A |
| 408073525 | Yes | XXXXXX | XXXXXX D B A C |
| 408073530 | Yes | XXXXXX | XXXXXX A |
| 408073535 | Yes | XXXXXX | XXXXXX D A B |
| 408073563 | Yes | XXXXXX | XXXXXX D A |
| 408073567 | Yes | XXXXXX | XXXXXX D B C A |
| 408073581 | Yes | XXXXXX | XXXXXX B A |
| 408073597 | Yes | XXXXXX | XXXXXX C A |
| 408073602 | Yes | XXXXXX | XXXXXX D B A |
| 408073606 | Yes | XXXXXX | XXXXXX A |
| 408073609 | Yes | XXXXXX | XXXXXX A |
| 408073621 | Yes | XXXXXX | XXXXXX C A |
| 408073626 | Yes | XXXXXX | XXXXXX B A |
| 408073627 | Yes | XXXXXX | XXXXXX B A |
| 408073634 | Yes | XXXXXX | XXXXXX B A |
| 408073638 | Yes | XXXXXX | XXXXXX D A C |
| 408073664 | Yes | XXXXXX | XXXXXX C A |
| 408073675 | Yes | XXXXXX | XXXXXX C B A |
| 408073692 | Yes | XXXXXX | XXXXXX A |
| 408073729 | Yes | XXXXXX | XXXXXX A |
| 408073731 | Yes | XXXXXX | XXXXXX D B A |
| 408073737 | Yes | XXXXXX | XXXXXX C A |
| 408073738 | Yes | XXXXXX | XXXXXX D B A |
| 408073739 | Yes | XXXXXX | XXXXXX D A |
| 408073747 | Yes | XXXXXX | XXXXXX D A |
| 408073784 | Yes | XXXXXX | XXXXXX D A B |
| 408073830 | Yes | XXXXXX | XXXXXX D A C |
| 408073837 | Yes | XXXXXX | XXXXXX D A |

---

---

| | |
|:---|:---|
| **Loan Number** | **Did Lender Acknowledge Exception at Origination** |
| 10000019297 C A | (No Data) |
| 10000019302 B A | (No Data) |
| 12XXXXXX93 D B A | (No Data) |
| 12XXXXXX57 D B A | (No Data) |
| 12XXXXXX67 A | (No Data) |
| 12XXXXXX58 D B C A | (No Data) |
| 15XXXXXX06 D A C | (No Data) |
| 15XXXXXX09 B A | (No Data) |
| 15XXXXXX10 D B A C | (No Data) |
| 15XXXXXX96 C B A | (No Data) |
| 15XXXXXX11 D A | (No Data) |
| 15XXXXXX38 A | (No Data) |
| 15XXXXXX29 C B A | (No Data) |
| 15XXXXXX91 A | (No Data) |
| 15XXXXXX66 C A | (No Data) |
| 15XXXXXX60 C A | (No Data) |
| 17XXXXXX51 D B A | (No Data) |
| 17XXXXXX16 D B A | (No Data) |
| 406045387 D A | (No Data) |
| 408020904 B A | (No Data) |
| 408022102 A | (No Data) |
| 408022120 D A C | (No Data) |
| 408022135 A | (No Data) |
| 408022137 D B A C | (No Data) |
| 408022171 C B A | (No Data) |
| 408022174 A | (No Data) |
| 408022180 D B A | (No Data) |
| 408022186 D A | (No Data) |
| 408022206 D B A | (No Data) |
| 408022229 C A | (No Data) |
| 408022281 D B A | (No Data) |
| 408022293 C B A | (No Data) |
| 408022323 C B A | (No Data) |
| 408022638 D A | Not Applicable |
| 408064092 D B A | Not Applicable |
| 408067379 D A | Not Applicable |
| 408068568 A | Not Applicable |
| 408068650 C B A | Not Applicable |
| 408069598 B A | Not Applicable |
| 408069685 D B A C | Not Applicable |
| 408069693 D B A | Yes |
| 408069970 D A | No |
| 408070034 C B A | Not Applicable |
| 408070039 C B A | Not Applicable |
| 408070507 D B A | Not Applicable |
| 408070528 A | Not Applicable |
| 408070536 A | Not Applicable |
| 408070551 B A | Not Applicable |
| 408070562 D A | No |
| 408070596 D B A | Not Applicable |
| 408070633 D B A C | No |
| 408070648 B A | Not Applicable |
| 408070716 D B A | Not Applicable |
| 408070733 D A | No |
| 408070739 A | No |
| 408070740 A | Not Applicable |
| 408070742 B A | Not Applicable |
| 408070747 C A | Not Applicable |
| 408070748 C B A | No |
| 408070777 D B A C | Not Applicable |
| 408070781 D B A | Not Applicable |
| 408070784 D B A | No |
| 408070794 B A | Yes |
| 408070822 C A | Not Applicable |
| 408070846 D B A | Not Applicable |
| 408070865 D B A | No |
| 408070875 A | Not Applicable |
| 408070907 B A | Not Applicable |
| 408070909 A | No |
| 408070912 C B A | Not Applicable |
| 408070920 D A | Not Applicable |
| 408070954 D A | Not Applicable |
| 408070961 D A C | Not Applicable |
| 408070974 D A | Not Applicable |
| 408070975 D B A | Not Applicable |
| 408070986 D B A | Not Applicable |
| 408071015 D A | No |
| 408071019 A | Not Applicable |
| 408071027 B A | Not Applicable |
| 408071033 A | Not Applicable |
| 408071058 D A | Not Applicable |
| 408071059 D A | Not Applicable |
| 408071082 D B A | Not Applicable |
| 408071117 D A | Not Applicable |
| 408071126 A | Not Applicable |
| 408071139 D B A | No |
| 408071142 A | Not Applicable |
| 408071161 A | Not Applicable |
| 408071185 A | No |
| 408071199 D A | Not Applicable |
| 408071202 C B A | Not Applicable |
| 408071217 A | Not Applicable |
| 408071219 C A | Not Applicable |
| 408071235 D B A | Not Applicable |
| 408071241 C A | Not Applicable |
| 408071243 A | Not Applicable |
| 408071247 D A | Not Applicable |
| 408071250 D B A C | Not Applicable |
| 408071259 D B A | No |
| 408071270 D A | Not Applicable |
| 408071288 A | Not Applicable |
| 408071292 A | Not Applicable |
| 408071327 C B A | Not Applicable |
| 408071360 D A | No |
| 408071372 A | No |
| 408071373 A | Not Applicable |
| 408071378 D B A | Not Applicable |
| 408071383 A | No |
| 408071415 D A C | No |
| 408071424 D A | Not Applicable |
| 408071439 D A C | Not Applicable |
| 408071462 D B A | Not Applicable |
| 408071527 C B A | Not Applicable |
| 408071531 A | Not Applicable |
| 408071532 A | Not Applicable |
| 408071555 C B A | Not Applicable |
| 408071556 A | Not Applicable |
| 408071574 C A | Not Applicable |
| 408071592 B A | Not Applicable |
| 408071597 D A | No |
| 408071634 C A | Not Applicable |
| 408071641 B A | Not Applicable |
| 408071663 D A | Not Applicable |
| 408071666 A | Not Applicable |
| 408071686 D B A | No |
| 408071689 A | Not Applicable |
| 408071720 D A | Not Applicable |
| 408071724 A | Not Applicable |
| 408071726 A | Not Applicable |
| 408071757 C A | Not Applicable |
| 408071765 C B A | Not Applicable |
| 408071773 D A | No |
| 408071780 A | Not Applicable |
| 408071781 B A | Not Applicable |
| 408071787 A | Not Applicable |
| 408071792 C B A | No |
| 408071800 B A | Not Applicable |
| 408071816 D A | Not Applicable |
| 408071817 C B A | Not Applicable |
| 408071824 C B A | Not Applicable |
| 408071829 D A C | Not Applicable |
| 408071833 A | Not Applicable |
| 408071836 B A | Not Applicable |
| 408071856 D B A C | No |
| 408071858 A | Not Applicable |
| 408071865 A | Not Applicable |
| 408071876 D B C A | Not Applicable |
| 408071988 D B A | Not Applicable |
| 408071991 D A | Not Applicable |
| 408071998 A | Not Applicable |
| 408072011 A | Not Applicable |
| 408072026 C B A | Not Applicable |
| 408072033 A | Not Applicable |
| 408072073 B A | Not Applicable |
| 408072081 D A C | Not Applicable |
| 408072094 C B A | No |
| 408072127 A | Not Applicable |
| 408072128 D B A | No |
| 408072129 D B A | Not Applicable |
| 408072137 C A | Not Applicable |
| 408072139 D A C | Not Applicable |
| 408072264 D A | Not Applicable |
| 408072266 D A | Not Applicable |
| 408072293 D B A | Not Applicable |
| 408072307 C A | Not Applicable |
| 408072350 D A C | Not Applicable |
| 408072352 C A | Not Applicable |
| 408072367 C A | No |
| 408072377 C B A | No |
| 408072392 D A | Not Applicable |
| 408072394 D B A C | Not Applicable |
| 408072403 C B A | No |
| 408072438 D B C A | Not Applicable |
| 408072446 A | Not Applicable |
| 408072449 A | Not Applicable |
| 408072499 A | Not Applicable |
| 408072520 C A | Not Applicable |
| 408072572 D A | Not Applicable |
| 408072581 D A C | Not Applicable |
| 408072594 D A | No |
| 408072602 A | Not Applicable |
| 408072609 B A | Not Applicable |
| 408072645 A | Not Applicable |
| 408072649 D B C A | No |
| 408072668 D A | Not Applicable |
| 408072686 D A | Not Applicable |
| 408072716 A | Not Applicable |
| 408072725 C B A | Not Applicable |
| 408072733 C A | Not Applicable |
| 408072742 D A | Not Applicable |
| 408072749 D A C | Not Applicable |
| 408072767 C B A | Not Applicable |
| 408072788 C B A | No |
| 408072791 A | Not Applicable |
| 408072871 D B A | Not Applicable |
| 408072892 D A C | No |
| 408072907 D B A | Not Applicable |
| 408072945 D A | No |
| 408072949 B A | No |
| 408072950 A | Not Applicable |
| 408072957 D B A | Not Applicable |
| 408072964 C A | No |
| 408072974 B A | Not Applicable |
| 408073030 A | Not Applicable |
| 408073036 D A B | Not Applicable |
| 408073040 C B A | Not Applicable |
| 408073045 D B A | Not Applicable |
| 408073046 C A | Not Applicable |
| 408073050 C B A | Not Applicable |
| 408073058 C B A | Yes |
| 408073083 C B A | Yes |
| 408073088 D B A | Not Applicable |
| 408073133 B A | Not Applicable |
| 408073138 B A | No |
| 408073144 D B A | Not Applicable |
| 408073160 D A | No |
| 408073162 C A | Not Applicable |
| 408073173 D B A C | Not Applicable |
| 408073174 D B C A | Yes |
| 408073176 C B A | Not Applicable |
| 408073182 D A | No |
| 408073207 B A | No |
| 408073216 C A | Not Applicable |
| 408073224 D A C | No |
| 408073265 D A C | No |
| 408073274 C B A | Yes |
| 408073283 C B A | No |
| 408073287 C A | Not Applicable |
| 408073305 A | Not Applicable |
| 408073318 B A | Yes |
| 408073331 A | No |
| 408073354 D A | No |
| 408073357 B A | Yes |
| 408073363 B A | No |
| 408073378 D B A | Yes |
| 408073403 D A | Yes |
| 408073410 B A | Not Applicable |
| 408073425 C A B | Not Applicable |
| 408073429 A | No |
| 408073433 A | No |
| 408073442 A | Not Applicable |
| 408073444 C A | Not Applicable |
| 408073451 D A | Not Applicable |
| 408073452 D A B | No |
| 408073455 D A | No |
| 408073459 A | Not Applicable |
| 408073470 A | No |
| 408073473 A | No |
| 408073475 C B A | No |
| 408073485 A | Not Applicable |
| 408073488 D A C | Not Applicable |
| 408073490 A | Not Applicable |
| 408073499 C A | Not Applicable |
| 408073504 A | No |
| 408073519 A | No |
| 408073525 D B A C | Not Applicable |
| 408073530 A | No |
| 408073535 D A B | No |
| 408073563 D A | Not Applicable |
| 408073567 D B C A | No |
| 408073581 B A | No |
| 408073597 C A | No |
| 408073602 D B A | No |
| 408073606 A | Not Applicable |
| 408073609 A | No |
| 408073621 C A | No |
| 408073626 B A | Yes |
| 408073627 B A | Not Applicable |
| 408073634 B A | No |
| 408073638 D A C | No |
| 408073664 C A | Not Applicable |
| 408073675 C B A | No |
| 408073692 A | Not Applicable |
| 408073729 A | Not Applicable |
| 408073731 D B A | No |
| 408073737 C A | Not Applicable |
| 408073738 D B A | No |
| 408073739 D A | Not Applicable |
| 408073747 D A | No |
| 408073784 D A B | No |
| 408073830 D A C | No |
| 408073837 D A | Not Applicable |

---

## Exhibit 99.7

**EXHIBIT 99.7 CLAYTON WAIVED CONDITIONS SUMMARY**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2023-2** |
| **Start - End Dates:** | **8/23/2012 - 1/3/2023** |
| **Deal Loan Count:** | **282** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Ability to Repay/Qualified Mortgage | CRDATRQM3122 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. | 1 |
| Credit | Legal Documents | CRDLGL100 | Legal document incorrect or incomplete | 1 |
| Credit | Terms/Guidelines | CRDTER109 | Cash Out Amount Exceeds Guidelines | 4 |
| Credit | Terms/Guidelines | CRDTER110 | Loan amount exceeds guideline maximum | 1 |
| Credit | Terms/Guidelines | CRDTER113 | Loan amount is below guideline minimum | 1 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 3 |
| Credit | Terms/Guidelines | CRDTER3262 | Property issues indicated | 1 |
| Credit | Terms/Guidelines | CRDTER3490 | Missing Patriot Act form | 3 |
| Credit | Credit/Mtg History | CRDCRMH104 | Credit score below minimum required for program/grade | 2 |
| Credit | Credit/Mtg History | CRDCRMH123 | No evidence of required debt payoff | 1 |
| Credit | Credit/Mtg History | CRDCRMH148 | Credit report stale dated at closing | 2 |
| Credit | Credit/Mtg History | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | 5 |
| Credit | Credit/Mtg History | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 2 |
| Credit | Credit/Mtg History | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | 5 |
| Credit | DTI | CRDDTI105 | Debt Ratio Exception 5% or Less | 4 |
| Credit | DTI | CRDDTI106 | Debt Ratio Exception >5% and <10% | 1 |
| Credit | LTV/CLTV | CRDLTV101 | CLTV exceeds grade limit | 1 |
| Credit | LTV/CLTV | CRDLTV107 | LTV Exception 5% or Less | 2 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 2 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | 1 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 6 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines for grade/doc type | 2 |
| Credit | Income/Employment | CRDINC2159 | Missing Tax Return Transcripts from IRS as required by guidelines | 5 |
| Credit | Income/Employment | CRDINC2340 | Employment verification does not meet guidelines | 3 |
| Credit | Income/Employment | CRDINC2408 | Income verification does not meet guidelines | 9 |
| Credit | Income/Employment | CRDINC2412 | Income documents in file are not for consecutive years | 1 |
| Credit | Income/Employment | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | 7 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 4 |
| Credit | Income/Employment | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | 3 |
| Credit | Income/Employment | CRDINC888 | Income Amount is Unsupported by Documentation in File | 1 |
| Credit | Insurance | CRDINSR5351 | Insurance Effective date is greater than the transaction date | 4 |
| Credit | Assets | CRDAST115 | Cash reserves do not meet guidelines | 1 |
| Credit | Assets | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | 2 |
| Credit | Assets | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | 3 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 4 |
| Property Valuations | Property | PRVAPROP177 | Property Issues Indicated | 1 |
| Property Valuations | Property | PRVAPROP241 | Property Type unacceptable under guidelines | 1 |
| Property Valuations | Property | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | 1 |
| Property Valuations | Appraisal | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | 1 |
| Compliance | Ability to Repay/Qualified Mortgage | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | 2 |
| Compliance | TILA/RESPA Integrated Disclosure | CMPTRID3478 | TRID - Written List of Providers not compliant | 1 |
| Compliance | TILA/RESPA Integrated Disclosure | CMPTRID4583 | TRID - LE sent prior to CD, but either confirmed receipt date or assumed receipt date is on or after the CD receipt date | 1 |
| Compliance | Right of Rescission | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | 3 |
| Compliance | Federal Consumer Protection | CMPFDCP2444 | TILA - Disclosed "Date" for required MDIA payment disclosure is incorrect. | 2 |
| Compliance | Federal Consumer Protection | CMPFDCP4569 | NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same | 1 |
| Compliance | Federal Consumer Protection | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | 1 |
| Compliance | RESPA | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | 3 |
| Compliance | RESPA | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | 1 |
| Compliance | RESPA | CMPRESPA868 | Settlement charge estimate not available for 10 business days | 2 |
| **Total** |  |  |  | **120** |

---

©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 99.8

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

![](tm237654d1_ex99-8img001.jpg)

**NARRATIVE**

**SEMT_2023-2**

**By Canopy Financial Technology Partners LLC on February 20, 2023**

Canopy Financial Technology Partners LLC

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

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

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

![](tm237654d1_ex99-8img001.jpg)

 **Description of Services**

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

The Review consisted of a population of Twenty-six (26) Loans with an aggregate original principal balance of $29,330,341.00.

**Loan Sampling**

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

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

**Data Integrity**

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

---

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

---

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

![](tm237654d1_ex99-8img001.jpg)

**Credit Underwriting**

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;• LTV/CLTV;

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

&nbsp;&nbsp;&nbsp;&nbsp;• Occupancy;

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

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

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

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

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

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

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

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

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

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

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

**Credit History:** Canopy verified:

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;• Paystubs;

&nbsp;&nbsp;&nbsp;&nbsp;• W-2 Forms;

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

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

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

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

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

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

![](tm237654d1_ex99-8img001.jpg)

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

○ Social Security inconsistencies

○ Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;• Employment:

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

○ Mortgage lender/originator

○ Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;• Occupancy:

○ Borrower address history

○ Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;• OFAC.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;• Gift Funds;

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

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

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

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

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

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

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

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

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

![](tm237654d1_ex99-8img001.jpg)

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

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

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

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

**Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;• Note;

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

&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal;

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

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

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

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

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

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

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

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

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

**Business Purpose Validation (when applicable)**

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

**I.** **Compliance Documentation Requirements** 

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

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

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

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

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

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

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

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

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

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

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

**II.** **Anti-Predatory Lending (Assignee Liability)** 

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

**III.** **Compliance Testing Elements** 

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of
Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right
to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately
provided to the borrower(s). The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm compliance with the January 18, 2014 requirements regarding the disclosure of
the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals
at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals
may be met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory
 Arbitration – Canopy will report mandatory arbitration provisions present in the
 Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Single
 Premium Credit Insurance – Canopy will report single premium credit insurance policies
 or debt cancellation agreements present in the Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. TPR
 will test for state prepayment and late charge restrictions. If a prepayment penalty
 that exceeds the state permitted penalty has expired, this must be reported.

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**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**Qualified Mortgage (QM)** 

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

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

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

For loans originated under the revised Qualified Mortgage Rule (promulgated on 12/10/2020) (hereinafter "QM APOR"), Canopy reviews the loan to determine whether, based on available information in the Loan File: i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the APR exceeds the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, and (v) the creditor appropriately considered debt obligations, alimony and child support.). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

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

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

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

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

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

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

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

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

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

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

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

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**OPTION 3**: VSH VIA PROPRIETARY GUIDES

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

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

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

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

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

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

**REPORTING**:

Canopy will include in the following in the securitization reports:

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

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

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

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

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

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

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

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

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

![](tm237654d1_ex99-8img001.jpg)

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

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

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

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

**Valuation Review**

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

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

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

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

![](tm237654d1_ex99-8img001.jpg)

**Independent Third-Party Values** 

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:** 

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

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

**Valuation Results Summary**

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

---

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

---

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

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

![](tm237654d1_ex99-8img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; **Non-Agency Eligible** | &nbsp;&nbsp; **Non-Agency Eligible** | &nbsp;&nbsp; **Non-Agency Eligible** | &nbsp;&nbsp; **Non-Agency Eligible** |
| &nbsp;&nbsp;**Valuation <br> Product** | &nbsp;&nbsp;**# of Files – No<br> Hit** | &nbsp;&nbsp;**# of Files < -10% of OA <br> value OR Confidence <=<br> 80%** | &nbsp;&nbsp;**# of Files => -10% of <br> OA value** |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |

---

&nbsp;&nbsp;&nbsp;&nbsp;• Of the 26 Non-Agency Eligible loans reviewed:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 23
Loan Files (all Loan Files reviewed) were noted with a Desk Review supporting the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1 Loan Files was noted with a Second Full Appraisal and a Desk Review supporting
the original appraised value within a 10% variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 1 Loan
File was noted with a CU Score <=2.5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 3 Loan
Files were noted with a Second Full Appraisal supporting the original appraised value within a 10% variance.

**GRADING COMPONENTS**

 **Due Diligence Grading Criteria**

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

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

---

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

---

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

![](tm237654d1_ex99-8img001.jpg)

---

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

---

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

![](tm237654d1_ex99-8img001.jpg)

**FINDINGS SUMMARY**

 **Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. . 26.92% (7 loan) have an overall grade of "B" and 73.08% (19 loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 23.08%, or six (6) mortgage loan reviewed, and 76.92% (20 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 0.00%, or zero (0) mortgage loans reviewed, and 100.00% (26 loans) have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 3.85%, or one (1) mortgage loan reviewed, and 96.15% (25 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;19 | &nbsp;&nbsp;73.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;26.92% |
| &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;**26** | &nbsp;&nbsp;**100.00%** |

---

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

![](tm237654d1_ex99-8img001.jpg)

---

| | | |
|:---|:---|:---|
| &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;20 | &nbsp;&nbsp;76.92% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;23.08% |
| &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;**26** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% |
| &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;**26** | &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;26 | &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;**26** | &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;26 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$29330341.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29330341.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$29330341.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29330341.00** |

---

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

![](tm237654d1_ex99-8img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<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;1 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;$800000.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;11.54% | &nbsp;&nbsp;$5265000.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;4 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;$4549750.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;18 | &nbsp;&nbsp;69.23% | &nbsp;&nbsp;$18715591.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29330341.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &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;26 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$29330341.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29330341.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.15% | &nbsp;&nbsp;$28447541.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;$882800.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$29330341.00** |

---

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

![](tm237654d1_ex99-8img001.jpg)

**DATA COMPARISON RESULTS**

Of the Twenty-six (26) mortgage Loan Files reviewed, sixteen (16) unique loans (61.54% by number) had forty-two (42) tape comparison discrepancies across twenty-seven (27) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1%<br> Tolerance if < 80% | &nbsp;&nbsp;4 | &nbsp;&nbsp;26 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;26 | &nbsp;&nbsp;23.08% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;26 | &nbsp;&nbsp;19.23% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;26 | &nbsp;&nbsp;26.92% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;26 | &nbsp;&nbsp;11.54% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1%<br> Tolerance if < 80% | &nbsp;&nbsp;4 | &nbsp;&nbsp;26 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;26 | &nbsp;&nbsp;11.54% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;7 | &nbsp;&nbsp;26 | &nbsp;&nbsp;26.92% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;26 | &nbsp;&nbsp;7.70% |

---

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

![](tm237654d1_ex99-8img001.jpg)

**Disclaimer**

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

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

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

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

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

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

## Exhibit 99.9

**EXHIBIT 99.9 Canopy Securitization Report Set** 

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Servicing Fee Percentage** | **Servicing Fee Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Amortization Type** | **Lien Position** | **Heloc Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points in Dollars** |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408070915 | 1 | 1 | 0 | 3 | xxx | 1730.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071404 | 1 | 1 | 0 | 7 | .00 | 4519.11 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071174 | 1 | 1 | 0 | 7 | .00 | 1295.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071134 | 1 | 1 | 0 | 2 | xxx | 1811.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071727 | 1 | 1 | 0 | 7 | .00 | 1696.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071580 | 1 | 1 | 0 | 3 | xxx | 1518.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408072106 | 1 | 1 | 0 | 7 | .00 | 2227.19 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071110 | 1 | 1 | 0 | 7 | .00 | 2432.36 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408072378 | 1 | 1 | 0 | 6 | .00 | 1895.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071747 | 1 | 1 | 0 | 7 | .00 | 3755.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408071688 | 1 | 1 | 0 | 7 | .00 | 3209.96 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408072495 | 1 | 1 | 0 | 6 | .00 | 4550.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408070945 | 1 | 1 | 0 | 3 | xxx | 1295.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408072662 | 1 | 1 | 0 | 7 | .00 | 1645.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408072598 | 1 | 1 | 0 | 6 | .00 | 4388.19 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408072962 | 1 | 1 | 0 | 7 | .00 | 14851.01 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073062 | 1 | 1 | 0 | 7 | .00 | 3047.65 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073076 | 1 | 1 | 0 | 7 | .00 | 4314.94 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408072780 | 1 | 1 | 0 | 7 | .00 | 2498.16 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073157 | 1 | 1 | 0 | 7 | .00 | 6029.20 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073209 | 1 | 1 | 0 | 7 | .00 | 25815.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073262 | 1 | 1 | 0 | 7 | .00 | 10869.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073418 | 1 | 1 | 0 | 7 | .00 | 4790.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073600 | 1 | 1 | 0 | 6 | .00 | 5670.00 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073582 | 1 | 1 | 0 | 7 | .00 | 31189.55 |
| 9999999 | 0.000000 |  | 99 | xxx | UNK | 408073885 | 1 | 1 | 0 | 7 | .00 | 11130.92 |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** |
| 408070915 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |
| 408071404 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408071174 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408071134 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408071727 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408071580 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408072106 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408071110 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408072378 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408071747 | 0 | 0 | 0 | 5 | 4 |  |  |  |  |
| 408071688 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408072495 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408070945 | 0 | 0 | 0 | 5 | 0 |  |  |  |  |
| 408072662 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408072598 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |
| 408072962 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408073062 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408073076 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |
| 408072780 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |
| 408073157 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408073209 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |
| 408073262 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408073418 | 0 | 0 | 1 | 1 | 4 |  |  |  |  |
| 408073600 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |
| 408073582 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |
| 408073885 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** |
| 408070915 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071404 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071174 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071134 | xxx |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071727 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071580 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408072106 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071110 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408072378 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071747 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408071688 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408072495 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408070945 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408072662 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408072598 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408072962 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073062 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073076 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408072780 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073157 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073209 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073262 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073418 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073600 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073582 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |
| 408073885 |  |  | xxx | xxx | xxx | 360 | 360 | xxx | 2 |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** |
| 408070915 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071404 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071174 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071134 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071727 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071580 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408072106 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071110 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408072378 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071747 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408071688 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408072495 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408070945 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408072662 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408072598 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408072962 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073062 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073076 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408072780 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073157 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073209 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073262 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073418 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073600 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073582 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |
| 408073885 | 0 | 0 |  | xxx | xxx | xxx |  |  |  |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **ARM Round Flag** | **ARM Rounding Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** |
| 408070915 |  |  |  |  |  |  |  |  |  |  |
| 408071404 |  |  |  |  |  |  |  |  |  |  |
| 408071174 |  |  |  |  |  |  |  |  |  |  |
| 408071134 |  |  |  |  |  |  |  |  |  |  |
| 408071727 |  |  |  |  |  |  |  |  |  |  |
| 408071580 |  |  |  |  |  |  |  |  |  |  |
| 408072106 |  |  |  |  |  |  |  |  |  |  |
| 408071110 |  |  |  |  |  |  |  |  |  |  |
| 408072378 |  |  |  |  |  |  |  |  |  |  |
| 408071747 |  |  |  |  |  |  |  |  |  |  |
| 408071688 |  |  |  |  |  |  |  |  |  |  |
| 408072495 |  |  |  |  |  |  |  |  |  |  |
| 408070945 |  |  |  |  |  |  |  |  |  |  |
| 408072662 |  |  |  |  |  |  |  |  |  |  |
| 408072598 |  |  |  |  |  |  |  |  |  |  |
| 408072962 |  |  |  |  |  |  |  |  |  |  |
| 408073062 |  |  |  |  |  |  |  |  |  |  |
| 408073076 |  |  |  |  |  |  |  |  |  |  |
| 408072780 |  |  |  |  |  |  |  |  |  |  |
| 408073157 |  |  |  |  |  |  |  |  |  |  |
| 408073209 |  |  |  |  |  |  |  |  |  |  |
| 408073262 |  |  |  |  |  |  |  |  |  |  |
| 408073418 |  |  |  |  |  |  |  |  |  |  |
| 408073600 |  |  |  |  |  |  |  |  |  |  |
| 408073582 |  |  |  |  |  |  |  |  |  |  |
| 408073885 |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** |
| 408070915 |  |  |  |  |  |  |  |  |  |  |  |
| 408071404 |  |  |  |  |  |  |  |  |  |  |  |
| 408071174 |  |  |  |  |  |  |  |  |  |  |  |
| 408071134 |  |  |  |  |  |  |  |  |  |  |  |
| 408071727 |  |  |  |  |  |  |  |  |  |  |  |
| 408071580 |  |  |  |  |  |  |  |  |  |  |  |
| 408072106 |  |  |  |  |  |  |  |  |  |  |  |
| 408071110 |  |  |  |  |  |  |  |  |  |  |  |
| 408072378 |  |  |  |  |  |  |  |  |  |  |  |
| 408071747 |  |  |  |  |  |  |  |  |  |  |  |
| 408071688 |  |  |  |  |  |  |  |  |  |  |  |
| 408072495 |  |  |  |  |  |  |  |  |  |  |  |
| 408070945 |  |  |  |  |  |  |  |  |  |  |  |
| 408072662 |  |  |  |  |  |  |  |  |  |  |  |
| 408072598 |  |  |  |  |  |  |  |  |  |  |  |
| 408072962 |  |  |  |  |  |  |  |  |  |  |  |
| 408073062 |  |  |  |  |  |  |  |  |  |  |  |
| 408073076 |  |  |  |  |  |  |  |  |  |  |  |
| 408072780 |  |  |  |  |  |  |  |  |  |  |  |
| 408073157 |  |  |  |  |  |  |  |  |  |  |  |
| 408073209 |  |  |  |  |  |  |  |  |  |  |  |
| 408073262 |  |  |  |  |  |  |  |  |  |  |  |
| 408073418 |  |  |  |  |  |  |  |  |  |  |  |
| 408073600 |  |  |  |  |  |  |  |  |  |  |  |
| 408073582 |  |  |  |  |  |  |  |  |  |  |  |
| 408073885 |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self Employment Flag** | **Current Other Monthly Payment** |
| 408070915 |  |  | 0 |  |  |  | 999999999 | 2 | 1 | 0 | xxx |
| 408071404 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 1 | xxx |
| 408071174 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx |
| 408071134 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx |
| 408071727 |  |  | 0 |  |  |  | 999999999 | 3 | 2 | 0 | xxx |
| 408071580 |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx |
| 408072106 |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx |
| 408071110 |  |  | 0 |  |  |  | 999999999 | 4 | 3 | 0 | xxx |
| 408072378 |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx |
| 408071747 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx |
| 408071688 |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 1 | xxx |
| 408072495 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx |
| 408070945 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 1 | xxx |
| 408072662 |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 0 | xxx |
| 408072598 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx |
| 408072962 |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 1 | xxx |
| 408073062 |  |  | 0 |  |  |  | 999999999 | 4 | 1 | 0 | xxx |
| 408073076 |  |  | 0 |  |  |  | 999999999 | 2 | 2 | 0 | xxx |
| 408072780 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx |
| 408073157 |  |  | 0 |  |  |  | 999999999 | 3 | 2 | 0 | xxx |
| 408073209 |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 0 | xxx |
| 408073262 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx |
| 408073418 |  |  | 0 |  |  |  | 999999999 | 3 | 2 | 0 | xxx |
| 408073600 |  |  | 0 |  |  |  | 999999999 | 1 | 2 | 0 | xxx |
| 408073582 |  |  | 0 |  |  |  | 999999999 | 1 | 1 | 1 | xxx |
| 408073885 |  |  | 0 |  |  |  | 999999999 | 2 | 1 | 0 | xxx |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Length of Employment Borrower** | **Length of Employment Co Borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** |
| 408070915 | xxx |  | xxx | 2 | xxx | xxx | xxx | xxx |  |  |
| 408071404 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408071174 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408071134 | xxx |  | xxx | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408071727 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408071580 | xxx |  | xxx | 2 | xxx | xxx | xxx | xxx |  |  |
| 408072106 | xxx |  |  | 2 | xxx | xxx | xxx | xxx |  |  |
| 408071110 | xxx |  |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408072378 | xxx |  |  | 2 | xxx | xxx | xxx | xxx |  |  |
| 408071747 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408071688 | xxx |  |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408072495 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408070945 | xxx |  | xxx | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408072662 |  | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408072598 |  | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408072962 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408073062 | xxx |  |  | 2 | xxx | xxx | xxx | xxx |  |  |
| 408073076 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408072780 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408073157 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408073209 | xxx |  |  | 2 | xxx | xxx | xxx | xxx |  |  |
| 408073262 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408073418 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408073600 | xxx | xxx |  | 2 | xxx | xxx | xxx | xxx | xxx | xxx |
| 408073582 | xxx |  |  | 2 | xxx | xxx | xxx | xxx |  |  |
| 408073885 | xxx |  |  | 2 | xxx | xxx | xxx | xxx |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** | **Most Recent FICO Method** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** |
| 408070915 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408071404 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408071174 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408071134 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408071727 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408071580 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408072106 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408071110 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408072378 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408071747 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408071688 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408072495 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408070945 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408072662 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408072598 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408072962 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408073062 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408073076 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408072780 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408073157 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408073209 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408073262 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408073418 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408073600 | xxx | xxx | xxx | 3 |  |  |  |  | xxx | xxx |
| 408073582 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |
| 408073885 |  | xxx |  | 3 |  |  |  |  | xxx | xxx |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Credit Report Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12 Month Pay History** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** |
| 408070915 | 5 | 0.137423 | XXXXXXXXXXXX |  |  | xxx |  | .00 |  | xxx |
| 408071404 | 1 | 0.026727 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408071174 | 1 | 0.313800 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408071134 | 2 | 0.005387 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408071727 | 4 | 0.044335 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408071580 | 6 | 0.341427 | XXXXXXXXXXXX |  |  | xxx |  | .00 |  | xxx |
| 408072106 | 6 | 0.395341 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx |
| 408071110 | 7 | 0.568131 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408072378 | 2 | 0.155181 | XXXXXXXXXXXX |  |  | xxx |  | .00 |  | xxx |
| 408071747 | 7 | 0.151790 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408071688 | 4 | 0.311924 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | .00 | xxx |
| 408072495 | 7 | 0.112840 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408070945 | 5 | 0.487051 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | .00 | xxx |
| 408072662 | 2 | 0.068404 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408072598 | 5 | 0.031860 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | .00 | xxx |
| 408072962 | 13 | 0.098678 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408073062 | 4 | 0.022684 | XXXXXXXXXXXX |  |  | xxx |  | .00 |  | xxx |
| 408073076 | 1 | 0.073943 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408072780 | 5 | 0.080943 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408073157 | 9 | 0.110911 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408073209 | 1 | 0.017810 | XXXXXXXXXXXX |  |  | xxx |  | .00 |  | xxx |
| 408073262 | 11 | 0.415664 | XXXXXXXXXXXX |  |  | xxx | xxx | xxx | .00 | xxx |
| 408073418 | 17 | 0.189626 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408073600 | 11 | 0.165183 | XXXXXXXXXXXX |  |  | xxx | xxx | .00 | .00 | xxx |
| 408073582 | 6 | 0.438019 | XXXXXXXXXXXX |  |  | xxx |  | xxx |  | xxx |
| 408073885 | 2 | 0.099245 | XXXXXXXXXXXX |  |  | xxx |  | .00 |  | xxx |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **All Borrower Total Income** | **4506T Indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification** | **Borrower Employment Verification** | **Co Borrower Employment Verification** | **Borrower Asset Verification** | **Co Borrower Asset Verification** | **Liquid Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** |
| 408070915 | xxx | 99 | 4 |  | 3 |  | 4 |  | xxx | 14049.06 | 0.338500 |
| 408071404 | xxx | 1 | 4 | 5 | 3 | 3 | 4 | 4 | xxx | 4566.29 | 0.401600 |
| 408071174 | xxx | 1 | 5 | 5 | 3 | 3 | 4 | 4 | xxx | 4455.46 | 0.223700 |
| 408071134 | xxx | 1 | 5 | 1 | 3 | 1 | 4 | 1 | xxx | 5827.89 | 0.439500 |
| 408071727 | xxx | 1 | 5 | 4 | 3 | 3 | 4 | 1 | xxx | 6612.16 | 0.464600 |
| 408071580 | xxx | 1 | 5 |  | 3 |  | 4 |  | xxx | 10651.46 | 0.445400 |
| 408072106 | xxx | 1 | 4 |  | 3 |  | 4 |  | xxx | 6124.53 | 0.377500 |
| 408071110 | xxx | 1 | 5 | 1 | 3 | 1 | 4 | 4 | xxx | 14207.82 | 0.312100 |
| 408072378 | xxx | 0 | 4 |  | 3 |  | 4 |  | xxx | 9149.82 | 0.496300 |
| 408071747 | xxx | 0 | 4 | 4 | 3 | 3 | 4 | 4 | xxx | 6844.25 | 0.278400 |
| 408071688 | xxx | 1 | 5 | 1 | 3 | 1 | 4 | 4 | xxx | 12179.52 | 0.379300 |
| 408072495 | xxx | 0 | 4 | 5 | 3 | 3 | 4 | 4 | xxx | 7224.54 | 0.327300 |
| 408070945 | xxx | 1 | 5 | 1 | 3 | 1 | 4 | 4 | xxx | 38939.99 | 0.443500 |
| 408072662 | xxx | 99 | 1 | 5 | 1 | 3 | 4 | 4 | xxx | 9373.14 | 0.497900 |
| 408072598 | xxx | 99 | 1 | 5 | 1 | 3 | 4 | 4 | xxx | 10372.01 | 0.363400 |
| 408072962 | xxx | 1 | 4 | 4 | 3 | 3 | 4 | 4 | xxx | 12639.34 | 0.490300 |
| 408073062 | xxx | 1 | 5 |  | 3 |  | 4 |  | xxx | 11957.87 | 0.478300 |
| 408073076 | xxx | 99 | 5 | 5 | 3 | 3 | 4 | 4 | xxx | 8421.03 | 0.310000 |
| 408072780 | xxx | 1 | 5 | 5 | 3 | 3 | 4 | 4 | xxx | 24517.26 | 0.428000 |
| 408073157 | xxx | 99 | 5 | 5 | 3 | 3 | 4 | 4 | xxx | 8636.95 | 0.414600 |
| 408073209 | xxx | 99 | 5 |  | 3 |  | 4 |  | xxx | 15840.87 | 0.447800 |
| 408073262 | xxx | 99 | 5 | 5 | 3 | 3 | 4 | 4 | xxx | 12489.97 | 0.425100 |
| 408073418 | xxx | 1 | 4 | 4 | 3 | 3 | 4 | 4 | xxx | 10226.47 | 0.422700 |
| 408073600 | xxx | 99 | 5 | 5 | 3 | 3 | 4 | 4 | xxx | 10445.73 | 0.377600 |
| 408073582 | xxx | 1 | 4 |  | 3 |  | 4 |  | xxx | 7776.49 | 0.434200 |
| 408073885 | xxx | 1 | 4 |  | 3 |  | 4 |  | xxx | 8798.74 | 0.382000 |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment From Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** |
| 408070915 |  | 1 |  | xxx | CA | xxx | 7 | 1 |  | xxx | 3 | xxx |
| 408071404 |  | 1 | 1.000000 | xxx | CA | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408071174 |  | 1 | 1.000000 | xxx | CO | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408071134 |  | 1 |  | xxx | CA | xxx | 1 | 1 |  | xxx | 3 | xxx |
| 408071727 |  | 1 | 1.000000 | xxx | TX | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408071580 |  | 1 |  | xxx | TX | xxx | 1 | 1 |  | xxx | 3 | xxx |
| 408072106 |  | 1 | 1.000000 | xxx | CA | xxx | 3 | 1 | xxx | xxx | 3 | xxx |
| 408071110 |  | 1 | 1.000000 | xxx | OK | xxx | 1 | 2 | xxx | xxx | 3 | xxx |
| 408072378 |  | 1 | 1.000000 | xxx | CA | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408071747 |  | 1 | 1.000000 | xxx | CO | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408071688 |  | 1 | 1.000000 | xxx | CA | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408072495 |  | 1 | 0.509800 | xxx | CA | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408070945 |  | 1 |  | xxx | TX | xxx | 1 | 1 |  | xxx | 3 | xxx |
| 408072662 |  | 1 | 0.005490 | xxx | CA | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408072598 |  | 1 | 1.000000 | xxx | CA | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408072962 |  | 1 | 0.318880 | xxx | WA | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408073062 |  | 1 | 1.000000 | xxx | WA | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408073076 |  | 1 | 1.000000 | xxx | TX | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408072780 |  | 1 | 1.000000 | xxx | VA | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408073157 |  | 1 | 0.869830 | xxx | NC | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408073209 |  | 1 | 0.315790 | xxx | CA | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408073262 |  | 1 | 0.166670 | xxx | WA | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408073418 |  | 1 | 1.000000 | xxx | FL | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408073600 |  | 1 | 1.000000 | xxx | CO | xxx | 7 | 1 | xxx | xxx | 3 | xxx |
| 408073582 |  | 1 | 0.367740 | xxx | CA | xxx | 1 | 1 | xxx | xxx | 3 | xxx |
| 408073885 |  | 1 | 1.000000 | xxx | CA | xxx | 1 | 1 | xxx | xxx | 3 | xxx |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** |
| 408070915 |  |  | xxx | 9 | xxx |  |  | 0.600000 | 0.600000 | .00 |
| 408071404 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408071174 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408071134 |  |  | xxx | 9 | xxx |  |  | 0.523900 | 0.471100 | .00 |
| 408071727 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408071580 |  |  | xxx | 9 | xxx |  |  | 0.486500 | 0.486500 | .00 |
| 408072106 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408071110 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408072378 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408071747 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408071688 |  |  |  |  |  |  |  | 0.800000 | 0.800000 | .00 |
| 408072495 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408070945 |  |  |  |  |  |  |  | 0.403900 | 0.403900 | .00 |
| 408072662 |  |  | xxx | 9 | xxx |  |  | 0.765200 | 0.765200 | .00 |
| 408072598 |  |  | xxx | 9 | xxx |  |  | 0.750000 | 0.750000 | .00 |
| 408072962 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408073062 |  |  | xxx | 9 | xxx |  |  | 0.750000 | 0.750000 | .00 |
| 408073076 |  |  | xxx | 9 | xxx |  |  | 0.790000 | 0.790000 | .00 |
| 408072780 |  |  |  |  |  |  |  | 0.800000 | 0.800000 | .00 |
| 408073157 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408073209 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408073262 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408073418 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408073600 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |
| 408073582 |  |  | xxx | 9 | xxx |  |  | 0.777800 | 0.777800 | .00 |
| 408073885 |  |  | xxx | 9 | xxx |  |  | 0.800000 | 0.800000 | .00 |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI Lender or Borrower Paid** | **Pool Insurance Co Name** | **Pool Insurance Stop Loss Percent** | **MI Certificate Number** | **Updated DTI Front End** | **Updated DTI Back End** | **Modification Effective Payment Date** | **Total Capitalized Amount** |
| 408070915 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071404 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071174 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071134 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071727 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071580 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408072106 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071110 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408072378 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071747 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408071688 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408072495 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408070945 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408072662 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408072598 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408072962 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073062 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073076 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408072780 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073157 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073209 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073262 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073418 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073600 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073582 | 0 |  |  | 0 |  |  |  |  |  |  |
| 408073885 | 0 |  |  | 0 |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Total Deferred Amount** | **Pre Modification Interest Note Rate** | **Pre Modification P&I Payment** | **Pre Modification Initial Interest Rate Change Downward Cap** | **Pre Modification Subsequent Interest Rate Cap** | **Pre Modification Next Interest Rate Change Date** | **Pre Modification IO Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** |
| 408070915 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071404 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071174 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071134 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071727 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071580 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408072106 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071110 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408072378 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071747 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071688 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408072495 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070945 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408072662 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408072598 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408072962 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073062 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073076 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408072780 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073157 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073209 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073262 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073418 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073600 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073582 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073885 |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Year of Manufacture** | **HUD Code Compliance Indicator Y/N** | **Gross Manufacturers Invoice Price** | **LTI Loan to Invoice Gross** | **Net Manufacturers Invoice Price** |
| 408070915 |  |  |  |  |  |
| 408071404 |  |  |  |  |  |
| 408071174 |  |  |  |  |  |
| 408071134 |  |  |  |  |  |
| 408071727 |  |  |  |  |  |
| 408071580 |  |  |  |  |  |
| 408072106 |  |  |  |  |  |
| 408071110 |  |  |  |  |  |
| 408072378 |  |  |  |  |  |
| 408071747 |  |  |  |  |  |
| 408071688 |  |  |  |  |  |
| 408072495 |  |  |  |  |  |
| 408070945 |  |  |  |  |  |
| 408072662 |  |  |  |  |  |
| 408072598 |  |  |  |  |  |
| 408072962 |  |  |  |  |  |
| 408073062 |  |  |  |  |  |
| 408073076 |  |  |  |  |  |
| 408072780 |  |  |  |  |  |
| 408073157 |  |  |  |  |  |
| 408073209 |  |  |  |  |  |
| 408073262 |  |  |  |  |  |
| 408073418 |  |  |  |  |  |
| 408073600 |  |  |  |  |  |
| 408073582 |  |  |  |  |  |
| 408073885 |  |  |  |  |  |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **LTI Net** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community Related Party Lender Y/N** | **Defined Underwriting Criteria Y/N** | **Chattel Indicator** |
| 408070915 |  |  |  |  |  |  |  |
| 408071404 |  |  |  |  |  |  |  |
| 408071174 |  |  |  |  |  |  |  |
| 408071134 |  |  |  |  |  |  |  |
| 408071727 |  |  |  |  |  |  |  |
| 408071580 |  |  |  |  |  |  |  |
| 408072106 |  |  |  |  |  |  |  |
| 408071110 |  |  |  |  |  |  |  |
| 408072378 |  |  |  |  |  |  |  |
| 408071747 |  |  |  |  |  |  |  |
| 408071688 |  |  |  |  |  |  |  |
| 408072495 |  |  |  |  |  |  |  |
| 408070945 |  |  |  |  |  |  |  |
| 408072662 |  |  |  |  |  |  |  |
| 408072598 |  |  |  |  |  |  |  |
| 408072962 |  |  |  |  |  |  |  |
| 408073062 |  |  |  |  |  |  |  |
| 408073076 |  |  |  |  |  |  |  |
| 408072780 |  |  |  |  |  |  |  |
| 408073157 |  |  |  |  |  |  |  |
| 408073209 |  |  |  |  |  |  |  |
| 408073262 |  |  |  |  |  |  |  |
| 408073418 |  |  |  |  |  |  |  |
| 408073600 |  |  |  |  |  |  |  |
| 408073582 |  |  |  |  |  |  |  |
| 408073885 |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** |
| 408070915 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1730 | $3330.14 | xxx | 4.264% | $7379.10 | xxx | No |  |
| 408071404 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 4519.11 | $7787.36 | xxx | 4.441% | $3550.92 | xxx | No | No |
| 408071174 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1295 | $3152.70 | xxx | 4.523% | $3441.41 | xxx | No | No |
| 408071134 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1811 | $4077.80 | xxx | 4.280% | $3935.52 | xxx | No | No |
| 408071727 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1696 | $3080.22 | xxx | 4.894% | $4775.58 | xxx | No | No |
| 408071580 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1520 | $3242.42 | xxx | 4.639% | $6503.86 | xxx | No |  |
| 408072106 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 2227.19 | $5030.97 | xxx | 4.928% | $3933.08 | xxx | No |  |
| 408071110 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No |  | $4420.26 | xxx | 4.281% | $4342.85 | xxx | Yes | Yes |
| 408072378 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1895 | $11745.35 | xxx | 4.914% | $7197.23 | xxx | No |  |
| 408071747 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1742.95 | $7336.24 | xxx | 4.919% | $4678.20 | xxx | No | No |
| 408071688 | xxx |  | QM: Rebuttable Presumption (APOR) | xxx | Yes | No | 3209.96 | $11428.82 | xxx | 6.417% | $8584.27 | xxx | No | No |
| 408072495 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1490 | $9302.45 | xxx | 5.325% | $4505.98 | xxx | No | No |
| 408070945 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1297 | $5152.86 | xxx | 4.130% | $12116.24 | xxx | No | No |
| 408072662 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1645 | $6060.10 | xxx | 6.283% | $7302.41 | xxx | No | No |
| 408072598 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1490 | $8303.52 | xxx | 5.417% | $7916.59 | xxx | No | No |
| 408072962 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1695 | $16817.19 | xxx | 6.364% | $8316.62 | xxx | No | No |
| 408073062 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 3047.65 | $11543.90 | xxx | 7.035% | $8737.09 | xxx | No |  |
| 408073076 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1549 | $7830.39 | xxx | 6.438% | $4608.22 | xxx | No | No |
| 408072780 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1623 | $6789.17 | xxx | 5.140% | $8663.88 | xxx | No | No |
| 408073157 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 6029.2 | $8197.51 | xxx | 6.446% | $5789.51 | xxx | No | No |
| 408073209 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 3015 | $32826.51 | xxx | 5.852% | $6562.48 | xxx | No |  |
| 408073262 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1425 | $17633.45 | xxx | 5.968% | $7098.45 | xxx | No | No |
| 408073418 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 1390 | $9771.51 | xxx | 6.203% | $4131.75 | xxx | No | No |
| 408073600 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 5670 | $8258.00 | xxx | 6.189% | $5833.06 | xxx | No | No |
| 408073582 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 31189.55 | $34706.15 | xxx | 6.042% | $6331.77 | xxx | No |  |
| 408073885 | xxx |  | QM: Average Prime Offer Rate (APOR) | xxx | Yes | No | 11130.92 | $20905.96 | xxx | 4.343% | $6513.28 | xxx | No |  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Co Borrower 2 Citizenship Indicator** |
| 408070915 | Employed |  |  |  |  |  | US Citizen |  |  |
| 408071404 | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408071174 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408071134 | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408071727 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408071580 | Employed |  |  |  |  |  | US Citizen |  |  |
| 408072106 | Employed |  |  |  |  |  | US Citizen |  |  |
| 408071110 | Employed | Not Employed | Not Employed |  |  |  | US Citizen | US Citizen | US Citizen |
| 408072378 | Employed |  |  |  |  |  | US Citizen |  |  |
| 408071747 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408071688 | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408072495 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408070945 | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408072662 | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408072598 | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408072962 | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408073062 | Employed |  |  |  |  |  | US Citizen |  |  |
| 408073076 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408072780 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408073157 | Employed | Employed |  |  |  |  | Non Permanent Resident Alien | Non Permanent Resident Alien |  |
| 408073209 | Employed |  |  |  |  |  | US Citizen |  |  |
| 408073262 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408073418 | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408073600 | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |
| 408073582 | Self-Employed |  |  |  |  |  | US Citizen |  |  |
| 408073885 | Employed |  |  |  |  |  | US Citizen |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Co Borrower 3 Citizenship Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower 2 Country Name** | **Co Borrower 3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** |
| 408070915 |  | United States |  |  |  |  | 1 | xxx | $1854.00 | xxx | CA |
| 408071404 |  | United States | United States |  |  |  | 1 | xxx | $1182.00 |  |  |
| 408071174 |  | United States | United States |  |  |  | 1 | xxx | $2496.00 |  |  |
| 408071134 |  | United States | United States |  |  |  | 1 | xxx | $2743.20 | xxx | CA |
| 408071727 |  | United States | United States |  |  | xxx | 1 | xxx | $3636.00 | xxx | TX |
| 408071580 |  | United States |  |  |  |  | 1 | xxx | $6480.96 | xxx | TX |
| 408072106 |  | United States |  |  |  |  | 1 | xxx | $576.00 | xxx | CA |
| 408071110 |  | United States | United States | United States |  |  | 1 | xxx | $4815.96 |  |  |
| 408072378 |  | United States |  |  |  | xxx | 1 | xxx | $1029.12 |  |  |
| 408071747 |  | United States | United States |  |  |  | 1 | xxx | $3603.96 | xxx | CO |
| 408071688 |  | United States | United States |  |  |  | 1 | xxx | $1642.08 | xxx | CA |
| 408072495 |  | United States | United States |  |  | xxx | 1 | xxx | $2276.52 | xxx | CA |
| 408070945 |  | United States | United States |  |  | xxx | 1 | xxx | $22047.00 |  |  |
| 408072662 |  | United States | United States |  |  |  | 1 | xxx | $1210.20 | xxx | CA |
| 408072598 |  | United States | United States |  |  |  | 1 | xxx | $1470.96 |  |  |
| 408072962 |  | United States | United States |  |  | xxx | 1 | xxx | $1439.04 | xxx | WA |
| 408073062 |  | United States |  |  |  | xxx | 1 | xxx | $1382.64 |  |  |
| 408073076 |  | United States | United States |  |  |  | 1 | xxx | $2622.96 | xxx | TX |
| 408072780 |  | United States | United States |  |  |  | 1 | xxx | $1280.04 |  |  |
| 408073157 |  | India | India |  |  |  | 1 | xxx | $1593.00 | xxx | NC |
| 408073209 |  | United States |  |  |  |  | 1 | xxx | $2808.12 |  |  |
| 408073262 |  | United States | United States |  |  |  | 1 | xxx | $2286.96 | xxx | WA |
| 408073418 |  | United States | United States |  |  |  | 1 | xxx | $4490.04 |  |  |
| 408073600 |  | United States | United States |  |  |  | 1 | xxx | $2979.96 | xxx | CO |
| 408073582 |  | United States |  |  |  |  | 1 | xxx | $973.32 |  |  |
| 408073885 |  | United States |  |  |  |  | 1 | xxx | $1383.00 | xxx | CA |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** |
| 408070915 | xxx |  |  |  | 33.85% | 33.85% | xxx | xxx |  |  |  |
| 408071404 |  |  |  |  | 40.16% | 40.16% | xxx | xxx | xxx |  |  |
| 408071174 |  |  |  |  | 22.37% | 22.37% | xxx | xxx | xxx |  |  |
| 408071134 | xxx |  |  |  | 43.95% | 43.95% | xxx | xxx | xxx |  |  |
| 408071727 | xxx |  |  |  | 46.46% | 46.46% | xxx | xxx | xxx |  |  |
| 408071580 | xxx |  |  |  | 44.54% | 44.54% | xxx | xxx |  |  |  |
| 408072106 | xxx |  |  |  | 37.75% | 37.75% | xxx | xxx |  |  |  |
| 408071110 |  |  |  |  | 31.21% | 31.21% | xxx | xxx | xxx | xxx |  |
| 408072378 |  |  |  |  | 49.63% | 49.63% | xxx | xxx |  |  |  |
| 408071747 | xxx |  |  |  | 27.84% | 27.84% | xxx | xxx | xxx |  |  |
| 408071688 | xxx |  |  |  | 37.93% | 37.93% | xxx | xxx | xxx |  |  |
| 408072495 | xxx |  |  |  | 32.73% | 32.73% | xxx | xxx | xxx |  |  |
| 408070945 |  |  |  |  | 44.35% | 44.35% | xxx | xxx | xxx |  |  |
| 408072662 | xxx |  |  |  | 49.79% | 49.79% | xxx | xxx | xxx |  |  |
| 408072598 |  |  |  |  | 36.34% | 36.34% | xxx | xxx | xxx |  |  |
| 408072962 | xxx |  |  |  | 49.03% | 49.03% | xxx | xxx | xxx |  |  |
| 408073062 |  |  |  |  | 47.83% | 47.83% | xxx | xxx |  |  |  |
| 408073076 | xxx |  |  |  | 31.00% | 31.00% | xxx | xxx | xxx |  |  |
| 408072780 |  |  |  |  | 42.80% | 42.80% | xxx | xxx | xxx |  |  |
| 408073157 | xxx |  |  |  | 41.46% | 41.46% | xxx | xxx | xxx |  |  |
| 408073209 |  |  |  |  | 44.78% | 44.78% | xxx | xxx |  |  |  |
| 408073262 | xxx |  |  |  | 42.51% | 42.51% | xxx | xxx | xxx |  |  |
| 408073418 |  |  |  |  | 42.27% | 42.27% | xxx | xxx | xxx |  |  |
| 408073600 | xxx |  |  |  | 37.76% | 37.76% | xxx | xxx | xxx |  |  |
| 408073582 |  |  |  |  | 43.42% | 43.42% | xxx | xxx |  |  |  |
| 408073885 | xxx |  |  |  | 38.20% | 38.20% | xxx | xxx |  |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** |
| 408070915 | xxx |  |  |  |  |  |  |  |  |  |
| 408071404 | xxx |  |  |  |  |  |  |  |  |  |
| 408071174 | xxx |  |  |  |  |  |  |  |  |  |
| 408071134 | xxx |  |  |  |  |  |  |  |  |  |
| 408071727 | xxx |  |  |  |  |  |  |  |  |  |
| 408071580 | xxx |  |  |  |  |  |  |  |  |  |
| 408072106 | xxx |  |  |  |  |  |  |  |  |  |
| 408071110 | xxx | xxx | xxx | xxx |  |  |  |  |  |  |
| 408072378 | xxx |  |  |  |  |  |  |  |  |  |
| 408071747 | xxx |  |  |  |  |  |  |  |  |  |
| 408071688 | xxx |  |  |  |  |  |  |  |  |  |
| 408072495 | xxx |  |  |  |  |  |  |  |  |  |
| 408070945 | xxx |  |  |  |  |  |  |  |  |  |
| 408072662 | xxx |  |  |  |  |  |  |  |  |  |
| 408072598 | xxx |  |  |  |  |  |  |  |  |  |
| 408072962 | xxx |  |  |  |  |  |  |  |  |  |
| 408073062 | xxx |  |  |  |  |  |  |  |  |  |
| 408073076 | xxx |  |  |  |  |  |  |  |  |  |
| 408072780 | xxx |  |  |  |  |  |  |  |  |  |
| 408073157 | xxx |  |  |  |  |  |  |  |  |  |
| 408073209 | xxx |  |  |  |  |  |  |  |  |  |
| 408073262 | xxx |  |  |  |  |  |  |  |  |  |
| 408073418 | xxx |  |  |  |  |  |  |  |  |  |
| 408073600 | xxx |  |  |  |  |  |  |  |  |  |
| 408073582 | xxx |  |  |  |  |  |  |  |  |  |
| 408073885 | xxx |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** |
| 408070915 |  |  |  |  |  |  |  |  |  |  |  |
| 408071404 |  |  |  |  |  |  |  |  |  |  |  |
| 408071174 |  |  |  |  |  |  |  |  |  |  |  |
| 408071134 |  |  |  |  |  |  |  |  |  |  |  |
| 408071727 |  |  |  |  |  |  |  |  |  |  |  |
| 408071580 |  |  |  |  |  |  |  |  |  |  |  |
| 408072106 |  |  |  |  |  |  |  |  |  |  |  |
| 408071110 |  |  |  |  | xxx |  | 4 - Verified 2+ Mos |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |
| 408072378 |  |  |  |  |  |  |  |  |  |  |  |
| 408071747 |  |  |  |  |  |  |  |  |  |  |  |
| 408071688 |  |  |  |  |  |  |  |  |  |  |  |
| 408072495 |  |  |  |  |  |  |  |  |  |  |  |
| 408070945 |  |  |  |  |  |  |  |  |  |  |  |
| 408072662 |  |  |  |  |  |  |  |  |  |  |  |
| 408072598 |  |  |  |  |  |  |  |  |  |  |  |
| 408072962 |  |  |  |  |  |  |  |  |  |  |  |
| 408073062 |  |  |  |  |  |  |  |  |  |  |  |
| 408073076 |  |  |  |  |  |  |  |  |  |  |  |
| 408072780 |  |  |  |  |  |  |  |  |  |  |  |
| 408073157 |  |  |  |  |  |  |  |  |  |  |  |
| 408073209 |  |  |  |  |  |  |  |  |  |  |  |
| 408073262 |  |  |  |  |  |  |  |  |  |  |  |
| 408073418 |  |  |  |  |  |  |  |  |  |  |  |
| 408073600 |  |  |  |  |  |  |  |  |  |  |  |
| 408073582 |  |  |  |  |  |  |  |  |  |  |  |
| 408073885 |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** |
| 408070915 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408071404 |  | No | No | 0 |  | 0.00% | 6.00% | 100.00% |  |
| 408071174 |  | No | No | 0 |  | 0.00% | 0.00% | 0.00% |  |
| 408071134 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408071727 |  | No | No | 0 |  | 0.00% | 4.00% | 0.00% |  |
| 408071580 |  | No | No | 0 |  | 0.00% | 100.00% |  |  |
| 408072106 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408071110 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408072378 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408071747 |  | No | No | 0 |  | 0.00% | 0.00% | 0.00% |  |
| 408071688 |  | No | No | 0 |  | 0.00% | 100.00% |  | Third-Party Prepared (Unaudited) |
| 408072495 |  | No | No | 0 |  | 0.00% | 100.00% | 0.00% |  |
| 408070945 |  | No | No | 0 |  | 0.00% | 100.00% |  |  |
| 408072662 |  | No | No | 0 |  | 0.00% | 0.00% | 0.00% |  |
| 408072598 |  | No | No | 2 | Personal | 41.66% | 0.00% | 0.00% |  |
| 408072962 |  | No | No | 0 |  | 0.00% | 42.00% | 42.00% | Borrower Prepared |
| 408073062 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408073076 |  | No | No | 0 |  | 0.00% | 0.00% | 0.00% |  |
| 408072780 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408073157 |  | No | No | 0 |  | 0.00% | 0.00% | 0.00% |  |
| 408073209 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |
| 408073262 |  | No | No | 0 |  | 0.00% | 0.00% | 0.00% |  |
| 408073418 |  | No | No | 0 |  | 0.00% | 100.00% |  | Borrower Prepared |
| 408073600 |  | No | No | 0 |  | 0.00% | 1.00% |  |  |
| 408073582 |  | No | No | 0 |  | 0.00% | 100.00% |  |  |
| 408073885 |  | No | No | 0 |  | 0.00% | 0.00% |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** |
| 408070915 | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071404 | Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071174 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071134 | Borrower - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071727 | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071580 | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408072106 | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071110 | Borrower - Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower 2 - Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408072378 | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Missing IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, Missing IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071747 | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Missing IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Missing IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, Missing IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, Missing IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408071688 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408072495 | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Missing IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Missing IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, Missing IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, Missing IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408070945 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Note Receivable Verified, Lease Agreements Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Note Receivable Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408072662 | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) \|\| Co Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified | Borrower \|\| Co Borrower | Full Doc |  |  |  | 0 |  |  |  |
| 408072598 | Borrower - Wage - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Asset Depletion – Debt Ratio Calculation |  |  |  | 0 |  |  |  |
| 408072962 | Borrower - Wage, SECorporation - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, SECorporation - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073062 | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073076 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408072780 | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073157 | Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073209 | Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073262 | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage, Commission - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073418 | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073600 | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, Award Letter Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073582 | Borrower - Wage, Overtime and Bonus, Other, SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Full Doc |  |  |  | 0 |  |  |  |
| 408073885 | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified | Full Doc |  |  |  | 0 |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** |
| 408070915 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071404 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071174 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071134 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071727 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071580 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408072106 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071110 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408072378 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071747 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408071688 | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 |
| 408072495 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408070945 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408072662 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408072598 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408072962 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073062 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073076 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408072780 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073157 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073209 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073262 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073418 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073600 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073582 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |
| 408073885 | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** |
| 408070915 |  | xxx | xxx |  | 1730 |  | 3.990% |  |  |  |
| 408071404 |  | xxx | xxx |  | 4519.11 |  | 3.920% |  |  |  |
| 408071174 |  | xxx | xxx |  | 1295 |  | 3.830% |  |  |  |
| 408071134 |  | xxx | xxx |  | 1811 |  | 3.830% |  |  |  |
| 408071727 |  | xxx | xxx |  | 1696 |  | 4.490% |  |  |  |
| 408071580 |  | xxx | xxx |  | 1520 |  | 4.230% |  |  |  |
| 408072106 |  | xxx | xxx |  | 2227.19 |  | 4.740% |  |  |  |
| 408071110 |  | xxx | xxx |  | 2432.36 |  | 3.830% |  |  |  |
| 408072378 |  | xxx | xxx |  | 1895 |  | 4.790% |  |  |  |
| 408071747 |  | xxx | xxx |  | 1742.95 |  | 4.490% |  |  |  |
| 408071688 |  | xxx | xxx |  | 3209.96 |  | 4.490% |  | 2 |  |
| 408072495 |  | xxx | xxx |  | 1490 |  | 5.070% |  |  |  |
| 408070945 |  | xxx | xxx |  | 1297 |  | 3.960% |  |  |  |
| 408072662 |  | xxx | xxx |  | 1645 |  | 5.170% |  |  |  |
| 408072598 |  | xxx | xxx |  | 1490 |  | 5.170% |  |  |  |
| 408072962 |  | xxx | xxx |  | 1695 |  | 5.180% |  |  |  |
| 408073062 |  | xxx | xxx |  | 3047.65 |  | 5.310% |  |  |  |
| 408073076 |  | xxx | xxx |  | 1549 |  | 5.860% |  |  |  |
| 408072780 |  | xxx | xxx |  | 1623 |  | 5.380% |  |  |  |
| 408073157 |  | xxx | xxx |  | 6029.2 |  | 5.780% |  |  |  |
| 408073209 |  | xxx | xxx |  | 3015 |  | 5.580% |  |  |  |
| 408073262 |  | xxx | xxx |  | 1425 |  | 5.580% |  |  |  |
| 408073418 |  | xxx | xxx |  | 1390 |  | 5.060% |  |  |  |
| 408073600 |  | xxx | xxx |  | 5670 |  | 5.200% |  |  |  |
| 408073582 |  | xxx | xxx |  | 31189.55 |  | 5.620% |  |  |  |
| 408073885 |  | xxx | xxx |  | 11130.92 |  | 3.920% |  |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** |
| 408070915 | No |  |  | No |  | 2 | 0 | 0 | 0 | 2 |
| 408071404 | No |  |  | No |  | 2 | 0 | 2 | 0 | 3 |
| 408071174 | No |  |  | No |  | 2 | 2 | 0 | 0 | 3 |
| 408071134 | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 |
| 408071727 | No |  |  | No |  | 2 | 0 | 2 | 0 | 3 |
| 408071580 | No |  |  | No |  | 2 | 0 | 2 | 0 | 3 |
| 408072106 | No |  |  | No |  | 0 | 0 | 2 | 0 | 3 |
| 408071110 | No |  |  | No |  | 2 | 0 | 2 | 0 | 3 |
| 408072378 | No |  |  | No |  | 2 | 0 | 0 | 0 | 3 |
| 408071747 | No |  |  | No |  | 2 | 2 | 0 | 0 | 3 |
| 408071688 | No |  |  | No |  | 2 | 0 | 2 | 2 | 3 |
| 408072495 | No |  |  | No |  | 2 | 2 | 0 | 0 | 3 |
| 408070945 | No |  |  | No |  | 2 | 0 | 2 | 2 | 3 |
| 408072662 | No |  |  | No |  | 0 | 2 | 0 | 0 | 0 |
| 408072598 | No |  |  | No |  | 0 | 2 | 0 | 0 | 3 |
| 408072962 | No |  |  | No |  | 2 | 2 | 2 | 2 | 3 |
| 408073062 | No |  |  | No |  | 2 | 0 | 2 | 0 | 1 |
| 408073076 | No |  |  | No |  | 2 | 2 | 0 | 0 | 3 |
| 408072780 | No |  |  | No |  | 2 | 2 | 2 | 0 | 2 |
| 408073157 | No |  |  | No |  | 1 | 2 | 1 | 0 | 3 |
| 408073209 | No |  |  | No |  | 2 | 0 | 2 | 0 | 3 |
| 408073262 | No |  |  | No |  | 2 | 2 | 0 | 0 | 3 |
| 408073418 | No |  |  | No |  | 1 | 0 | 2 | 0 | 3 |
| 408073600 | No |  |  | No |  | 2 | 2 | 0 | 0 | 1 |
| 408073582 | No |  |  | No |  | 2 | 0 | 2 | 0 | 3 |
| 408073885 | No |  |  | No |  | 2 | 0 | 2 | 0 | 3 |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Originator DSCR** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** |
| 408070915 | 0 |  |  |  |  | 0.00 | 0.000 |  | N/A | No NA |
| 408071404 | 2 |  |  |  |  | 0.00 | 0.000 |  | N/A | No NA |
| 408071174 | 2 |  |  |  |  | 0.00 | 0.000 |  | N/A | No NA |
| 408071134 | 1 |  |  |  |  | 0.00 | 0.000 |  | HELOC | No NA |
| 408071727 | 2 |  |  |  |  | 0.00 | 0.000 |  | N/A | No NA |
| 408071580 | 2 |  |  |  |  | 0.00 | 0.000 |  | N/A | No NA |
| 408072106 | 2 |  |  |  |  | 0.00 | 0.000 |  | N/A | No NA |
| 408071110 | 2 |  |  |  |  | 0.00 | 0.000 |  | N/A | No NA |
| 408072378 | 0 |  |  |  |  | 0.00 | 0.000 |  | N/A | No NA |
| 408071747 | 0 |  |  |  |  | 0.00 | 0.000 |  | N/A | No NA |
| 408071688 | 2 |  |  | 15 |  | 0.00 | 0.000 |  | N/A | No NA |
| 408072495 | 0 |  |  |  |  | 0.00 | 0.000 |  | N/A | No NA |
| 408070945 | 2 |  |  |  |  | 0.00 | 0.000 |  | N/A | No NA |
| 408072662 | 0 |  |  |  |  | 0.00 | 0.000 |  | N/A | No NA |
| 408072598 | 0 | 2 |  |  |  | 0.00 | 0.000 |  | N/A | No NA |
| 408072962 | 2 |  |  | 5 |  | 0 | 0.000 |  | N/A | No NA |
| 408073062 | 2 |  |  |  |  | 0 | 0.000 |  | N/A | No NA |
| 408073076 | 0 |  |  |  |  | 0 | 0.000 |  | N/A | No NA |
| 408072780 | 2 |  |  |  |  | 0 | 0.000 |  | N/A | No NA |
| 408073157 | 0 |  |  |  |  | 0 | 0.000 |  | N/A | No NA |
| 408073209 | 0 |  |  |  |  | 0 | 0.000 |  | N/A | No NA |
| 408073262 | 0 |  |  |  |  | 0 | 0.000 |  | N/A | No NA |
| 408073418 | 2 |  |  | 7 |  | 0 | 0.000 |  | N/A | No NA |
| 408073600 | 0 |  |  |  |  | 0 | 0.000 |  | N/A | No NA |
| 408073582 | 2 |  |  |  |  | 0 | 0.000 |  | N/A | No NA |
| 408073885 | 2 |  |  |  |  | 0.00 | 0.000 |  | N/A | No NA |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **# of Months CPA verified income** | **WVOE Flag** | **# of Months WVOE** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?**  | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** |
| 408070915 |  | Yes | 25 |  |  |  |  |  |  |  |
| 408071404 | 24 | Yes | 24 |  |  |  |  |  |  |  |
| 408071174 |  | Yes | 24 |  |  |  |  |  |  |  |
| 408071134 |  | Yes | 24 |  |  |  |  |  |  |  |
| 408071727 |  | No | 24 |  |  |  |  |  |  |  |
| 408071580 |  | Yes | 27 |  |  |  |  |  |  |  |
| 408072106 |  | Yes | 26 |  |  |  |  |  |  |  |
| 408071110 |  | Yes | 12 |  |  |  |  |  |  |  |
| 408072378 |  | Yes | 27 |  |  |  |  |  |  |  |
| 408071747 |  | Yes | 24 |  |  |  |  |  |  |  |
| 408071688 |  | Yes | 24 |  |  |  |  |  |  |  |
| 408072495 |  | Yes | 36 |  |  |  |  |  |  |  |
| 408070945 |  | Yes | 16 |  |  |  |  |  |  |  |
| 408072662 |  | No |  |  |  |  |  |  |  |  |
| 408072598 |  | No |  |  |  |  |  |  |  |  |
| 408072962 |  | Yes | 36 | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WA | United States |
| 408073062 |  | Yes | 24 | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States |
| 408073076 |  | Yes | 24 | US Citizen | US Citizen | N/A | Other | Patriot act disclosure | TX | United States |
| 408072780 |  | No |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States |
| 408073157 |  | Yes | 24 | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | NC | United Stated |
| 408073209 |  | Yes | 24 | US Citizen | US Citizen | N/A | Other | USA Patriot Act | CA | United States |
| 408073262 |  | Yes | 24 | US Citizen | US Citizen | N/A | Other | USA Patriot Act | WA | United States |
| 408073418 |  | Yes | 24 | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | FL | United States |
| 408073600 |  | Yes | 10 | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States |
| 408073582 |  | Yes | 24 | US Citizen | US Citizen | N/A | Other | USA Patriot Act | CA | United States |
| 408073885 |  | Yes | 24 |  |  |  |  |  |  |  |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** |
| 408070915 |  |  |  |  |  |  |  |  |
| 408071404 |  |  |  |  |  |  |  |  |
| 408071174 |  |  |  |  |  |  |  |  |
| 408071134 |  |  |  |  |  |  |  |  |
| 408071727 |  |  |  |  |  |  |  |  |
| 408071580 |  |  |  |  |  |  |  |  |
| 408072106 |  |  |  |  |  |  |  |  |
| 408071110 |  |  |  |  |  |  |  |  |
| 408072378 |  |  |  |  |  |  |  |  |
| 408071747 |  |  |  |  |  |  |  |  |
| 408071688 |  |  |  |  |  |  |  |  |
| 408072495 |  |  |  |  |  |  |  |  |
| 408070945 |  |  |  |  |  |  |  |  |
| 408072662 |  |  |  |  |  |  |  |  |
| 408072598 |  |  |  |  |  |  |  |  |
| 408072962 | 10-31-2027 |  |  | N/A |  |  | US Citizen | US Citizen |
| 408073062 | 03-14-2022 |  |  | N/A |  |  |  |  |
| 408073076 | 04-26-2030 |  |  | N/A |  |  | US Citizen | US Citizen |
| 408072780 | 10-22-2027 |  |  | N/A |  |  | US Citizen | US Citizen |
| 408073157 | 09-13-2023 |  |  | Work Visa |  | 08-19-2022 | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |
| 408073209 | 12-21-2024 |  |  | N/A |  |  |  |  |
| 408073262 | 05-17-2030 |  |  | N/A |  |  | US Citizen | US Citizen |
| 408073418 | 05-06-2027 |  |  | N/A |  |  | US Citizen | US Citizen |
| 408073600 | 08-02-2025 |  |  | N/A |  |  | US Citizen | US Citizen |
| 408073582 | 06-08-2027 |  |  | N/A |  |  |  |  |
| 408073885 |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** |
| 408070915 |  |  |  |  |  |  |  |  |  |
| 408071404 |  |  |  |  |  |  |  |  |  |
| 408071174 |  |  |  |  |  |  |  |  |  |
| 408071134 |  |  |  |  |  |  |  |  |  |
| 408071727 |  |  |  |  |  |  |  |  |  |
| 408071580 |  |  |  |  |  |  |  |  |  |
| 408072106 |  |  |  |  |  |  |  |  |  |
| 408071110 |  |  |  |  |  |  |  |  |  |
| 408072378 |  |  |  |  |  |  |  |  |  |
| 408071747 |  |  |  |  |  |  |  |  |  |
| 408071688 |  |  |  |  |  |  |  |  |  |
| 408072495 |  |  |  |  |  |  |  |  |  |
| 408070945 |  |  |  |  |  |  |  |  |  |
| 408072662 |  |  |  |  |  |  |  |  |  |
| 408072598 |  |  |  |  |  |  |  |  |  |
| 408072962 | N/A | Real ID Driver's License |  | WA | United States | 08-25-2023 |  |  | N/A |
| 408073062 |  |  |  |  |  |  |  |  |  |
| 408073076 | N/A | Other | Patriot act disclosure | TX | United States | 06-14-2030 |  |  | N/A |
| 408072780 | N/A | Real ID Driver's License |  | GA | United States | 03-22-2025 |  |  | N/A |
| 408073157 | N/A | Standard Driver's License - Not for federal Use |  | NC | United Stated | 11-12-2024 |  |  | Work Visa |
| 408073209 |  |  |  |  |  |  |  |  |  |
| 408073262 | N/A | Other | USA Patriot Act | WA | United States | 05-17-2030 |  |  | N/A |
| 408073418 | N/A | Standard Driver's License - Not for federal Use |  | FL | United States | 03-18-2030 |  |  | N/A |
| 408073600 | N/A | Real ID Driver's License |  | CO | United States | 09-25-2023 |  |  | N/A |
| 408073582 |  |  |  |  |  |  |  |  |  |
| 408073885 |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** |
| 408070915 |  |  |  |  |  |  |  |  |  |
| 408071404 |  |  |  |  |  |  |  |  |  |
| 408071174 |  |  |  |  |  |  |  |  |  |
| 408071134 |  |  |  |  |  |  |  |  |  |
| 408071727 |  |  |  |  |  |  |  |  |  |
| 408071580 |  |  |  |  |  |  |  |  |  |
| 408072106 |  |  |  |  |  |  |  |  |  |
| 408071110 |  |  |  |  |  |  |  |  |  |
| 408072378 |  |  |  |  |  |  |  |  |  |
| 408071747 |  |  |  |  |  |  |  |  |  |
| 408071688 |  |  |  |  |  |  |  |  |  |
| 408072495 |  |  |  |  |  |  |  |  |  |
| 408070945 |  |  |  |  |  |  |  |  |  |
| 408072662 |  |  |  |  |  |  |  |  |  |
| 408072598 |  |  |  |  |  |  |  |  |  |
| 408072962 |  |  |  |  |  |  |  |  |  |
| 408073062 |  |  |  |  |  |  |  |  |  |
| 408073076 |  |  |  |  |  |  |  |  |  |
| 408072780 |  |  |  |  |  |  |  |  |  |
| 408073157 |  | 04-10-2022 |  |  |  |  |  |  |  |
| 408073209 |  |  |  |  |  |  |  |  |  |
| 408073262 |  |  |  |  |  |  |  |  |  |
| 408073418 |  |  |  |  |  |  |  |  |  |
| 408073600 |  |  |  |  |  |  |  |  |  |
| 408073582 |  |  |  |  |  |  |  |  |  |
| 408073885 |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** |
| 408070915 |  |  |  |  |  |  |  |  |  |
| 408071404 |  |  |  |  |  |  |  |  |  |
| 408071174 |  |  |  |  |  |  |  |  |  |
| 408071134 |  |  |  |  |  |  |  |  |  |
| 408071727 |  |  |  |  |  |  |  |  |  |
| 408071580 |  |  |  |  |  |  |  |  |  |
| 408072106 |  |  |  |  |  |  |  |  |  |
| 408071110 |  |  |  |  |  |  |  |  |  |
| 408072378 |  |  |  |  |  |  |  |  |  |
| 408071747 |  |  |  |  |  |  |  |  |  |
| 408071688 |  |  |  |  |  |  |  |  |  |
| 408072495 |  |  |  |  |  |  |  |  |  |
| 408070945 |  |  |  |  |  |  |  |  |  |
| 408072662 |  |  |  |  |  |  |  |  |  |
| 408072598 |  |  |  |  |  |  |  |  |  |
| 408072962 |  |  |  |  |  |  |  |  |  |
| 408073062 |  |  |  |  |  |  |  |  |  |
| 408073076 |  |  |  |  |  |  |  |  |  |
| 408072780 |  |  |  |  |  |  |  |  |  |
| 408073157 |  |  |  |  |  |  |  |  |  |
| 408073209 |  |  |  |  |  |  |  |  |  |
| 408073262 |  |  |  |  |  |  |  |  |  |
| 408073418 |  |  |  |  |  |  |  |  |  |
| 408073600 |  |  |  |  |  |  |  |  |  |
| 408073582 |  |  |  |  |  |  |  |  |  |
| 408073885 |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** |
| 408070915 |  |  |  |  |  |  |  |
| 408071404 |  |  |  |  |  |  |  |
| 408071174 |  |  |  |  |  |  |  |
| 408071134 |  |  |  |  |  |  |  |
| 408071727 |  |  |  |  |  |  |  |
| 408071580 |  |  |  |  |  |  |  |
| 408072106 |  |  |  |  |  |  |  |
| 408071110 |  |  |  |  |  |  |  |
| 408072378 |  |  |  |  |  |  |  |
| 408071747 |  |  |  |  |  |  |  |
| 408071688 |  |  |  |  |  |  |  |
| 408072495 |  |  |  |  |  |  |  |
| 408070945 |  |  |  |  |  |  |  |
| 408072662 |  |  |  |  |  |  |  |
| 408072598 |  |  |  |  |  |  |  |
| 408072962 |  |  |  |  |  |  |  |
| 408073062 |  |  |  |  |  |  |  |
| 408073076 |  |  |  |  |  |  |  |
| 408072780 |  |  |  |  |  |  |  |
| 408073157 |  |  |  |  |  |  |  |
| 408073209 |  |  |  |  |  |  |  |
| 408073262 |  |  |  |  |  |  |  |
| 408073418 |  |  |  |  |  |  |  |
| 408073600 |  |  |  |  |  |  |  |
| 408073582 |  |  |  |  |  |  |  |
| 408073885 |  |  |  |  |  |  |  |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** |
| 408070915 |  |  |  |  |  |  |
| 408071404 |  |  |  |  |  |  |
| 408071174 |  |  |  |  |  |  |
| 408071134 |  |  |  |  |  |  |
| 408071727 |  |  |  |  |  | xxx |
| 408071580 |  |  |  |  |  |  |
| 408072106 |  |  |  |  |  |  |
| 408071110 |  |  |  |  |  |  |
| 408072378 |  |  |  |  |  |  |
| 408071747 |  |  |  |  |  |  |
| 408071688 |  |  |  |  |  |  |
| 408072495 |  |  |  |  |  |  |
| 408070945 |  |  |  |  |  |  |
| 408072662 |  |  |  |  |  |  |
| 408072598 |  |  |  |  |  |  |
| 408072962 |  |  |  |  |  |  |
| 408073062 |  |  |  |  |  |  |
| 408073076 |  |  |  |  |  |  |
| 408072780 |  |  |  | xxx | xxx | xxx |
| 408073157 |  |  |  |  |  |  |
| 408073209 |  |  |  | xxx | xxx | xxx |
| 408073262 |  |  |  |  |  |  |
| 408073418 |  |  |  | xxx | xxx | xxx |
| 408073600 |  |  |  | xxx | xxx |  |
| 408073582 |  |  |  |  |  |  |
| 408073885 |  |  |  |  |  |  |

---

---

| | | |
|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** |
| 408070915 | xxx | C A |
| 408070915 | xxx | C A |
| 408071404 | xxx | C B A |
| 408071404 | xxx | C B A |
| 408071404 | xxx | C B A |
| 408071404 | xxx | C B A |
| 408071404 | xxx | C B A |
| 408071174 | xxx | A |
| 408071134 | xxx | D A |
| 408071134 | xxx | D A |
| 408071727 | xxx | D B A |
| 408071727 | xxx | D B A |
| 408071580 | xxx | A |
| 408072106 | xxx | D A |
| 408071110 | xxx | A |
| 408072378 | xxx | D B A |
| 408072378 | xxx | D B A |
| 408071747 | xxx | D B A |
| 408071747 | xxx | D B A |
| 408071688 | xxx | D B A |
| 408071688 | xxx | D B A |
| 408071688 | xxx | D B A |
| 408071688 | xxx | D B A |
| 408071688 | xxx | D B A |
| 408071688 | xxx | D B A |
| 408072495 | xxx | A |
| 408070945 | xxx | D A |
| 408070945 | xxx | D A |
| 408072662 | xxx | A |
| 408072598 | xxx | B A |
| 408072962 | xxx | A |
| 408073062 | xxx | A |
| 408073076 | xxx | A |
| 408072780 | xxx | A B |
| 408073157 | xxx | A |
| 408073209 | xxx | C A |
| 408073262 | xxx | D A |
| 408073418 | xxx | A |
| 408073600 | xxx | A |
| 408073582 | xxx | A |
| 408073885 | xxx | A |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** |
| 408070915 | Closed | FCOM3891 | 2022-04-05 15:37 | 2022-04-06 11:15 | Resolved | 1 - Information A | Compliance | Missing Doc | Missing evidence of E-Consent |
| 408070915 | Closed | finding-3532 | 2022-04-05 15:37 | 2022-04-06 07:58 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test |
| 408071404 | Closed | finding-3632 | 2022-04-18 11:06 | 2022-04-19 08:23 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test |
| 408071404 | Closed | finding-3529 | 2022-04-18 11:06 | 2022-04-19 08:23 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test |
| 408071404 | Closed | finding-3631 | 2022-04-18 11:06 | 2022-04-19 08:23 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test |
| 408071404 | Closed | finding-3634 | 2022-04-18 11:05 | 2022-04-19 08:23 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test |
| 408071404 | Closed | FCRE1437 | 2022-04-18 09:22 | 2022-04-18 09:22 | Acknowledged | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines |
| 408071174 |  |  |  |  |  | A |  |  |  |
| 408071134 | Closed | finding-3589 | 2022-04-28 12:02 | 2022-04-28 12:33 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Loan Estimate Date and Initial Closing Disclosure Date Validation Test |
| 408071134 | Closed | FCOM3891 | 2022-04-28 12:03 | 2022-04-28 12:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of E-Consent |
| 408071727 | Closed | FPRO1244 | 2022-05-02 10:17 | 2022-05-02 10:59 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing |
| 408071727 | Closed | FCRE1493 | 2022-04-28 11:16 | 2022-04-28 22:10 | Acknowledged | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements |
| 408071580 |  |  |  |  |  | A |  |  |  |
| 408072106 | Closed | FCOM3891 | 2022-05-03 11:13 | 2022-05-03 11:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of E-Consent |
| 408071110 |  |  |  |  |  | A |  |  |  |
| 408072378 | Closed | FCRE1470 | 2022-05-10 11:39 | 2022-05-10 14:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 4 Missing |
| 408072378 | Closed | FCRE1335 | 2022-05-09 16:28 | 2022-05-10 09:10 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc - Income | Borrower 1 IRS Transcripts Missing |
| 408071747 | Closed | FCRE1365 | 2022-05-12 11:29 | 2022-05-12 11:49 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc - Income | Borrower 2 IRS Transcripts Missing |
| 408071747 | Closed | FCRE1335 | 2022-05-12 11:29 | 2022-05-12 11:48 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc - Income | Borrower 1 IRS Transcripts Missing |
| 408071688 | Closed | FCRE1161 | 2022-05-17 12:39 | 2023-02-15 15:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing |
| 408071688 | Closed | FCRE1164 | 2022-05-17 12:39 | 2023-02-15 15:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing |
| 408071688 | Closed | FCRE2109 | 2022-05-24 09:17 | 2022-05-25 07:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing |
| 408071688 | Closed | FCRE1316 | 2022-05-23 13:09 | 2022-05-23 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing |
| 408071688 | Closed | FCRE1364 | 2022-05-20 14:49 | 2022-05-23 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 2 Executed 4506-T Missing |
| 408071688 | Closed | FPRO1244 | 2022-05-16 14:54 | 2022-05-16 17:35 | Acknowledged | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing |
| 408072495 |  |  |  |  |  | A |  |  |  |
| 408070945 | Closed | FCRE6763 | 2022-06-01 15:31 | 2022-06-02 08:25 | Resolved | 1 - Information C A | Credit | Income | Income documentation does not meet guidelines |
| 408070945 | Closed | FCRE7497 | 2022-05-31 13:50 | 2022-05-31 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property |
| 408072662 |  |  |  |  |  | A |  |  |  |
| 408072598 | Closed | FCRE1347 | 2022-06-03 13:49 | 2022-08-25 09:48 | Acknowledged | 2 - Non-Material B | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing |
| 408072962 |  |  |  |  |  | A |  |  |  |
| 408073062 |  |  |  |  |  | A |  |  |  |
| 408073076 |  |  |  |  |  | A |  |  |  |
| 408072780 | Closed | FCRE1194 | 2022-07-26 07:37 | 2022-07-26 07:45 | Acknowledged | 2 - Non-Material A B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV |
| 408073157 |  |  |  |  |  | A |  |  |  |
| 408073209 | Closed | FCOM1252 | 2022-08-08 14:45 | 2022-08-10 13:49 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate |
| 408073262 | Closed | FCOM1231 | 2022-08-10 09:08 | 2022-08-11 12:16 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Initial 1003 is Missing |
| 408073418 |  |  |  |  |  | A |  |  |  |
| 408073600 |  |  |  |  |  | A |  |  |  |
| 408073582 |  |  |  |  |  | A |  |  |  |
| 408073885 |  |  |  |  |  | A |  |  |  |

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| **Loan ID** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** |
| 408070915 | Resolved-Received confirmation of e-consent for non-borrower. - Due Diligence Vendor-04/06/2022 <br>Ready for Review-Document Uploaded. Dropped e-consent for review. - Seller-04/05/2022 <br>Open-Missing evidence of E-Consent Missing E-Consent for Non-Borrowing Spouse - Due Diligence Vendor-04/01/2022 | Ready for Review-Document Uploaded. Dropped e-consent for review. - Seller-04/05/2022<br>| Resolved-Received confirmation of e-consent for non-borrower. - Due Diligence Vendor-04/06/2022<br>|  |  |
| 408070915 | Resolved- Received Initial CD. - Due Diligence Vendor-04/06/2022 <br>Ready for Review-Document Uploaded. Dropped e-consent for review. - Seller-04/05/2022 <br>Ready for Review-Document Uploaded. Dropped initial CD for review. - Seller-04/05/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\*The initial CD dated 3/18/2022 appears to be missing. - Due Diligence Vendor-03/31/2022 | Ready for Review-Document Uploaded. Dropped e-consent for review. - Seller-04/05/2022 <br>Ready for Review-Document Uploaded. Dropped initial CD for review. - Seller-04/05/2022<br>| Resolved- Received Initial CD. - Due Diligence Vendor-04/06/2022<br>|  |  |
| 408071404 | Resolved-Received confirmation that lender does not consider Saturday a business day. - Due Diligence Vendor-04/19/2022 <br> Ready for Review-Document Uploaded. Disagree. Days/Hrs of Ops M-F (8-5). Dropped evidence of business operating days. Please cancel. - Seller-04/18/2022 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Appraisal Fee increased from $xxx to $xxx. Per the COC in the file the change took place on xxx and re-disclosed on xxx. Need Lender to confirm if Saturday is consider a business day or not - Due Diligence Vendor-04/15/2022 | Ready for Review-Document Uploaded. Disagree. Days/Hrs of Ops M-F (8-5). Dropped evidence of business operating days. Please cancel. - Seller-04/18/2022<br>| Resolved-Received confirmation that lender does not consider Saturday a business day. - Due Diligence Vendor-04/19/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  |
| 408071404 | Resolved- Received confirmation that lender does not consider Saturday a business day. - Due Diligence Vendor-04/19/2022 <br>Ready for Review-Document Uploaded. Disagree. Days/Hrs of Ops M-F (8-5). Dropped evidence of business operating days. Please cancel. - Seller-04/18/2022 <br>Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(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 §1026.2(a)(6) and as it relates to §1026.19(e)(4)(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 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(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 §1026.19(e)(3)(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 §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms. Appraisal Fee increased from $- Due Diligence Vendor-04/15/2022 | Ready for Review-Document Uploaded. Disagree. Days/Hrs of Ops M-F (8-5). Dropped evidence of business operating days. Please cancel. - Seller-04/18/2022<br>| Resolved- Received confirmation that lender does not consider Saturday a business day. - Due Diligence Vendor-04/19/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  |
| 408071404 | Resolved- Received confirmation that lender does not consider Saturday a business day. - Due Diligence Vendor-04/19/2022 <br> Ready for Review-Document Uploaded. Disagree. Days/Hrs of Ops M-F (8-5). Dropped evidence of business operating days. Please cancel. - Seller-04/18/2022 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Appraisal Fee increased from $600 to $650. Per the COC in the file the change took place on xxx and re-disclosed on xxx. Need Lender to confirm if Saturday is consider a business day or not - Due Diligence Vendor-04/15/2022 | Ready for Review-Document Uploaded. Disagree. Days/Hrs of Ops M-F (8-5). Dropped evidence of business operating days. Please cancel. - Seller-04/18/2022<br>| Resolved- Received confirmation that lender does not consider Saturday a business day. - Due Diligence Vendor-04/19/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  |
| 408071404 | Resolved- Received confirmation that lender does not consider Saturday a business day. - Due Diligence Vendor-04/19/2022 <br> Ready for Review-Document Uploaded. Disagree. Days/Hrs of Ops M-F (8-5). Dropped evidence of business operating days. Please cancel. - Seller-04/18/2022 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Appraisal Fee increased from $xxx to $xxx. Per the COC in the file the change took place on xxx and re-disclosed on xxx. Need Lender to confirm if Saturday is consider a business day or not - Due Diligence Vendor-04/15/2022 | Ready for Review-Document Uploaded. Disagree. Days/Hrs of Ops M-F (8-5). Dropped evidence of business operating days. Please cancel. - Seller-04/18/2022<br>| Resolved- Received confirmation that lender does not consider Saturday a business day. - Due Diligence Vendor-04/19/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  |
| 408071404 | Acknowledged-Income and Employment Do Not Meet Guidelines Exception Request Form in file (CR-2 pg256). Exception granted by UW-xxx to use Co-B K1 income with only 18 mo history-only xxx% ownership. <br> Comp factors-Good Credit; Low credit users; Good reserves. - Due Diligence Vendor-04/18/2022 |  | Acknowledged-Income and Employment Do Not Meet Guidelines Exception Request Form in file (CR-2 pg256). Exception granted by UW-xxx to use Co-B K1 income with only 18 mo history-only xxx% ownership. <br> Comp factors-Good Credit; Low credit users; Good reserves. - Due Diligence Vendor-04/18/2022 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  |
| 408071174 |  |  |  |  |  |
| 408071134 | Resolved-resolved disclosure tracking details document - Due Diligence Vendor-04/28/2022 <br>Ready for Review-Document Uploaded. Dropped disclosure summary - Seller-04/28/2022 <br>Open-\*\*\*Loan file does not contain evidence that borrower(s) received Initial Closing Disclosure at least 3 business days prior to consummation. Lender to provide Disclosure tracking and/or confirm method of delivery\*\*\* - Due Diligence Vendor-04/27/2022 | Ready for Review-Document Uploaded. Dropped disclosure summary - Seller-04/28/2022<br>| Resolved-resolved disclosure tracking details document - Due Diligence Vendor-04/28/2022<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |
| 408071134 | Resolved-Received e-consent and disclosure tracking details. - Due Diligence Vendor-04/28/2022 <br>Ready for Review-Document Uploaded. Dropped econsent - Seller-04/28/2022 <br>Open-Missing evidence of E-Consent - Due Diligence Vendor-04/27/2022 | Ready for Review-Document Uploaded. Dropped econsent - Seller-04/28/2022<br>| Resolved-Received e-consent and disclosure tracking details. - Due Diligence Vendor-04/28/2022<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |
| 408071727 | Resolved-CDA provided supporting original appraised value of $xxx, with a 0% variance. - Due Diligence Vendor-05/02/2022 <br> Ready for Review-Document Uploaded. Dropped CDA for review. - Seller-05/02/2022 <br> Open-Collateral Desktop Analysis (CDA) ordered from xxx is required to<br> support the value of the appraisal. - Due Diligence Vendor-04/27/2022 | Ready for Review-Document Uploaded. Dropped CDA for review. - Seller-05/02/2022<br>| Resolved-CDA provided supporting original appraised value of $xxx, with a 0% variance. - Due Diligence Vendor-05/02/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55 Are Greater Than The Guideline Minimum Of 17 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |
| 408071727 | Acknowledged-Co-borrower does not meet applicable tradeline requirements. Minimum 3 tradelines are required. CoBorrower was joint on prior mortgage which was paid off. CoBorrower just finished her PHD with new employment. Exception acknowledged with compensating factors including borrowers' excess liquid reserves. - Due Diligence Vendor-04/28/2022 |  | Acknowledged-Co-borrower does not meet applicable tradeline requirements. Minimum 3 tradelines are required. CoBorrower was joint on prior mortgage which was paid off. CoBorrower just finished her PHD with new employment. Exception acknowledged with compensating factors including borrowers' excess liquid reserves. - Due Diligence Vendor-04/28/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55 Are Greater Than The Guideline Minimum Of 17 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |
| 408071580 |  |  |  |  |  |
| 408072106 | Resolved-Received evidence of e-consent - Due Diligence Vendor-05/03/2022 <br>Ready for Review-Document Uploaded. Dropped e-consent for review. - Seller-05/03/2022 <br>Ready for Review-Document Uploaded. Dropped econsent for review. - Seller-05/02/2022 <br>Open-Missing evidence of E-Consent - Due Diligence Vendor-04/29/2022 | Ready for Review-Document Uploaded. Dropped e-consent for review. - Seller-05/03/2022 <br>Ready for Review-Document Uploaded. Dropped econsent for review. - Seller-05/02/2022<br>| Resolved-Received evidence of e-consent - Due Diligence Vendor-05/03/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80 Are Greater Than The Guideline Minimum Of 7 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.75% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |
| 408071110 |  |  |  |  |  |
| 408072378 | Resolved-Quarterly retirement statement and proof of access with plan documents provided at resubmission- sufficient funds for cash to close and reserves are in evidence. - Due Diligence Vendor-05/10/2022 <br> Ready for Review-Document Uploaded. Dropped asset statement for review. - Seller-05/10/2022 <br> Open-Asset 4 Missing Missing required 2 months statements with xxx 401K with balance $xxx on Final 1003, used to qualify. - Due Diligence Vendor-05/06/2022 | Ready for Review-Document Uploaded. Dropped asset statement for review. - Seller-05/10/2022<br>| Resolved-Quarterly retirement statement and proof of access with plan documents provided at resubmission- sufficient funds for cash to close and reserves are in evidence. - Due Diligence Vendor-05/10/2022<br>|  |  |
| 408072378 | Acknowledged-Investor-Approved Exception to waive requirement for W2/Tax Return Transcripts. - Due Diligence Vendor-05/10/2022 <br> Ready for Review-Approved waiver for B grade, missing W2 tax transcripts. Comp Factors: 1) xxx FICO 2) the borrower has been with the same employer for 8 years 3) $2xxx in reserves ($xxx required which is 15 months for the subject) - Seller-05/09/2022 <br> Open-Borrower 1 IRS Transcripts Missing Missing required W2 Tax Transcript for xxx and xxx - Due Diligence Vendor-05/06/2022 | Ready for Review-Approved waiver for B grade, missing W2 tax transcripts. Comp Factors: 1) xxx FICO 2) the borrower has been with the same employer for 8 years 3) $xxx in reserves ($xxx required which is 15 months for the subject) - Seller-05/09/2022 | Acknowledged-Investor-Approved Exception to waive requirement for W2/Tax Return Transcripts. - Due Diligence Vendor-05/10/2022<br>|  | 1) xxx FICO 2) the borrower has been with the same employer for 8 years 3) $xxx in reserves ($xxx required which is 15 months for the subject) |
| 408071747 | Acknowledged-Investor Accommodation granted to waive requirement for transcripts to validate income sources used in qualifying. - Due Diligence Vendor-05/12/2022 <br> Ready for Review-Waiving for B grade. Missing W2 tax transcripts. Comp Factors: 1) the borrower has been in the same line of work for 8 years and the co-borrower has been in the same line of work for 5 years 2) 27.86% DTI (45% MAX) 3) xxx FICO (720 MIN) - Seller-05/12/2022 <br> Open-Borrower 2 IRS Transcripts Missing Missing B2 required xxx W2 or 1040 tax transcripts for wage income used to qualify. File contains W2 transcripts for xxx, per guidelines 2 years W2 or 1040 transcripts are required. - Due Diligence Vendor-05/12/2022 | Ready for Review-Waiving for B grade. Missing W2 tax transcripts. Comp Factors: 1) the borrower has been in the same line of work for 8 years and the co-borrower has been in the same line of work for 5 years 2) 27.86% DTI (45% MAX) 3) xxx FICO (720 MIN) - Seller-05/12/2022 | Acknowledged-Investor Accommodation granted to waive requirement for transcripts to validate income sources used in qualifying. - Due Diligence Vendor-05/12/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.84% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More | 1) Borrower has been in the same line of work for 8 years and the co-borrower has been in the same line of work for 5 years 2) 27.86% DTI (45% MAX) 3)xxx FICO (720 MIN) |
| 408071747 | Acknowledged-Investor Accommodation granted to waive requirement for transcripts to validate income sources used in qualifying. - Due Diligence Vendor-05/12/2022 <br> Ready for Review-Waiving for B grade. Missing W2 tax transcripts. Comp Factors: 1) the borrower has been in the same line of work for 8 years and the co-borrower has been in the same line of work for 5 years 2) 27.86% DTI (45% MAX) 3) xxx FICO (720 MIN) - Seller-05/12/2022 <br> Open-Borrower 1 IRS Transcripts Missing Missing B1 required xxx W2 or 1040 tax transcripts for wage income used to qualify. File contains W2 transcripts for xxx, per guidelines 2 years W2 or 1040 transcripts are required. - Due Diligence Vendor-05/12/2022 | Ready for Review-Waiving for B grade. Missing W2 tax transcripts. Comp Factors: 1) the borrower has been in the same line of work for 8 years and the co-borrower has been in the same line of work for 5 years 2) 27.86% DTI (45% MAX) 3) xxx FICO (720 MIN) - Seller-05/12/2022 | Acknowledged-Investor Accommodation granted to waive requirement for transcripts to validate income sources used in qualifying. - Due Diligence Vendor-05/12/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.84% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More | 1) Borrower has been in the same line of work for 8 years and the co-borrower has been in the same line of work for 5 years 2) 27.86% DTI (45% MAX) 3) xxx FICO (720 MIN) |
| 408071688 | Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/15/2023 <br>Resolved-Flood cert provided at resubmission. - Due Diligence Vendor-05/17/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/17/2022 <br>Open-Missing Flood Certificate - Due Diligence Vendor-05/13/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/17/2022<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/15/2023 <br>Resolved-Flood cert provided at resubmission. - Due Diligence Vendor-05/17/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - |  |
| 408071688 | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-02/15/2023 <br> Resolved-Confirmed appropriate coverage in place per policy submitted. - Due Diligence Vendor-05/17/2022 <br> Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/17/2022 <br> Open-Missing Flood Insurance Policy. Per Final CD, flood escrow of $xxx monthly. - Due Diligence Vendor-05/16/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/17/2022<br>| Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-02/15/2023 <br>Resolved-Confirmed appropriate coverage in place per policy submitted. - Due Diligence Vendor-05/17/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - |  |
| 408071688 | Resolved-Worksheets for all income sources are now in evidence. - Due Diligence Vendor-05/25/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/24/2022 <br>Open-Missing required lender income calculation worksheet for Schedule C Loss, Capital gains loss and rental income loss used to qualify. - Due Diligence Vendor-05/16/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/24/2022<br>| Resolved-Worksheets for all income sources are now in evidence. - Due Diligence Vendor-05/25/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - |  |
| 408071688 | Resolved-Updated VOE dated xxx for borrower's primary employment source provided at resubmission. - Due Diligence Vendor-05/23/2022 <br> Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/23/2022 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE for B1 with xxx within no more than ten (10) business days prior to the note date per guidelines. Google Search of xxx is in file dated xxx with no supporting documents of call to third party. - Due Diligence Vendor-05/13/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/23/2022<br>| Resolved-Updated VOE dated xxx for borrower's primary employment source provided at resubmission. - Due Diligence Vendor-05/23/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - |  |
| 408071688 | Resolved-4506-C executed by co-borrower provided at resubmission. - Due Diligence Vendor-05/23/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/20/2022 <br>Counter-4506-C provided is not for the co-borrower on this transaction- please provide fully executed acknowledgment from appropriate party. - Due Diligence Vendor-05/17/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/16/2022 <br>Open-Borrower 2 Executed 4506-T Missing Missing B2 Executed 4506C. Per guideline, 4506-C must be signed and completed for all borrowers. File contains B1 executed 4506-C. - Due Diligence Vendor-05/13/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/20/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/16/2022<br>| Resolved-4506-C executed by co-borrower provided at resubmission. - Due Diligence Vendor-05/23/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - |  |
| 408071688 | Acknowledged-Client accepts CU Score of xxx in lieu of CDA. - Due Diligence Vendor-05/16/2022 <br> Ready for Review-Document Uploaded. xxx has a CU variance. CU score of xxx. Please cancel. - Seller-05/16/2022 <br> Open-Third party review product ordered from xxx confirming origination appraised value within 10% variance not provided - Due Diligence Vendor-05/13/2022 | Ready for Review-Document Uploaded. xxx has a CU variance. CU score of xxx. Please cancel. - Seller-05/16/2022 | Acknowledged-Client accepts CU Score of xxx in lieu of CDA. - Due Diligence Vendor-05/16/2022 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - |  |
| 408072495 |  |  |  |  |  |
| 408070945 | Resolved-Confirmed assets as listed in response and eligibility per xxx Guidelines to utilize Depletion as income source. All agree removal of Note income was necessary and ratios remain in line with these modifications. - Due Diligence Vendor-06/02/2022 <br> Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-06/01/2022 <br> Open-Lender used Note Income of $xxx monthly, from sale of business. Note dated xxx has a maturity date of xxx. Missing evidence of 3 years continuance per guidelines. - Due Diligence Vendor-05/25/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-06/01/2022<br>| Resolved-Confirmed assets as listed in response and eligibility per xxx Guidelines to utilize Depletion as income source. All agree removal of Note income was necessary and ratios remain in line with these modifications. - Due Diligence Vendor-06/02/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.01 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |
| 408070945 | Resolved-County Tax Listing for property provided to verify no structure is present on this lot, therefore insurance is not required. Payment matches that stated on final application. - Due Diligence Vendor-05/31/2022 <br> Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/31/2022 <br> Open-Missing verification of insurance for non-subject property located at xxx. Lender expense of $xxx monthly is property tax only. - Due Diligence Vendor-05/25/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-05/31/2022<br>| Resolved-County Tax Listing for property provided to verify no structure is present on this lot, therefore insurance is not required. Payment matches that stated on final application. - Due Diligence Vendor-05/31/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.01 Are Greater Than The Guideline Minimum Of 24 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |
| 408072662 |  |  |  |  |  |
| 408072598 | Acknowledged-Investor Exception issued to waive updated VOE for co-borrower as most recent status confirmation in file is 42 days from time of settlement. - Due Diligence Vendor-06/06/2022 <br> Ready for Review-Please apply waiver for B grade - Seller-06/03/2022 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing VVOE for B2 with xxx within no more than ten (10) business days prior to the note date of xxx per guidelines. File contains VOE dated xxx. - Due Diligence Vendor-06/03/2022 | Ready for Review-Please apply waiver for B grade - Seller-06/03/2022<br>| Acknowledged-Investor Exception issued to waive updated VOE for co-borrower as most recent status confirmation in file is 42 days from time of settlement. - Due Diligence Vendor-06/06/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 370.92 Are Greater Than The Guideline Minimum Of 15 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.34% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More | Strong reserves in evidence; DTI well within program guidelines |
| 408072962 |  |  |  |  |  |
| 408073062 |  |  |  |  |  |
| 408073076 |  |  |  |  |  |
| 408072780 | Acknowledged-Investor Exception issued for LTV/CLTV of 80% for loan amount >$xxx when program maximum is 75% for loan amount up to $xxx. Signed Exception from by xxx provided to proceed with loan amount $xxx (closed slightly below this at $xxx) and 80% LTV on $xxx purchase. - Due Diligence Vendor-07/26/2022 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-07/26/2022 |  | Acknowledged-Investor Exception issued for LTV/CLTV of 80% for loan amount >$xxx when program maximum is 75% for loan amount up to $xxx. Signed Exception from by xxx provided to proceed with loan amount $xxx (closed slightly below this at $xxx) and 80% LTV on $xxx purchase. - Due Diligence Vendor-07/26/2022 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Does Not Have Stable Job Time Of Five (5) Or More Years At Current Job - 3.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.16 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | Excellent credit, significant assets, borrower (not co-borrower) is of retirement age so will have unrestricted access to his retirement funds, both borrowers on job over 10 years. Borrowers own their current primary residence free and clear. |
| 408073157 |  |  |  |  |  |
| 408073209 | Resolved-Received Initial LE - Due Diligence Vendor-08/10/2022 <br> Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-08/10/2022 <br> Open-\*\*\*Initial Loan Estimate not provided in loan file. Compliance /TRID review completed utilizing the Revised LE dated xxx - Lender to provide Loan Estimate disclosed to borrower within 3 business days of the application date. - Due Diligence Vendor-08/08/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-08/10/2022<br>| Resolved-Received Initial LE - Due Diligence Vendor-08/10/2022 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01781038374717833<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of % By Ten Percent (10%) Or More |  |
| 408073262 | Resolved-Initial 1003 provided at resubmission. - Due Diligence Vendor-08/11/2022 <br>Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-08/11/2022 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-08/10/2022 | Ready for Review-Document Uploaded. Documents uploaded for review. - Seller-08/11/2022<br>| Resolved-Initial 1003 provided at resubmission. - Due Diligence Vendor-08/11/2022<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.41566352312594546<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19 Years |  |
| 408073418 |  |  |  |  |  |
| 408073600 |  |  |  |  |  |
| 408073582 |  |  |  |  |  |
| 408073885 |  |  |  |  |  |

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| 408070915 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 408070915 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 408071404 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408071404 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408071404 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408071404 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408071404 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408071174 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CO | Primary Residence | Purchase | NA |  |  |
| 408071134 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| 408071134 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| 408071727 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 408071727 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | TX | Primary Residence | Purchase | NA | N/A | N/A |
| 408071580 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | TX | Primary Residence | Refinance | Cash Out - Other |  |  |
| 408072106 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408071110 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | OK | Second Home | Purchase | NA |  |  |
| 408072378 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408072378 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408071747 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CO | Primary Residence | Purchase | NA | N/A | N/A |
| 408071747 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CO | Primary Residence | Purchase | NA | N/A | N/A |
| 408071688 | xxx.pdf | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408071688 | xxx.pdf | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408071688 | xxx.pdf | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408071688 | xxx.pdf | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408071688 | xxx.pdf | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408071688 | xxx.pdf | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408072495 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA |  |  |
| 408070945 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 408070945 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | TX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 408072662 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA |  |  |
| 408072598 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | Investor Post-Close | No |
| 408072962 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | WA | Primary Residence | Purchase | NA |  |  |
| 408073062 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | WA | Primary Residence | Purchase | NA |  |  |
| 408073076 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | TX | Primary Residence | Purchase | NA |  |  |
| 408072780 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | VA | Primary Residence | Purchase | NA | Investor Post-Close | No |
| 408073157 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | NC | Primary Residence | Purchase | NA |  |  |
| 408073209 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA | N/A | N/A |
| 408073262 | xxx.pdf | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | WA | Primary Residence | Purchase | NA | N/A | N/A |
| 408073418 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | FL | Primary Residence | Purchase | NA |  |  |
| 408073600 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CO | Primary Residence | Purchase | NA |  |  |
| 408073582 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA |  |  |
| 408073885 |  | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | xxx | CA | Primary Residence | Purchase | NA |  |  |

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| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 408070915 | xxx |  | xxx A C |
| 408071404 | xxx |  | xxx B C A |
| 408071174 | xxx |  | xxx A |
| 408071134 | xxx |  | xxx A D |
| 408071727 | xxx |  | xxx B A D |
| 408071580 | xxx |  | xxx A |
| 408072106 | xxx |  | xxx A D |
| 408071110 | xxx |  | xxx A |
| 408072378 | xxx |  | xxx D A |
| 408071747 | xxx |  | xxx D A |
| 408071688 | xxx |  | xxx D A |
| 408072495 | xxx |  | xxx A |
| 408070945 | xxx |  | xxx D A |
| 408072662 | xxx |  | xxx A |
| 408072598 | xxx |  | xxx B A |
| 408072962 | xxx |  | xxx A |
| 408073062 | xxx |  | xxx A |
| 408073076 | xxx |  | xxx A |
| 408072780 | xxx |  | xxx A |
| 408073157 | xxx |  | xxx A |
| 408073209 | xxx |  | xxx A C |
| 408073262 | xxx |  | xxx A D |
| 408073418 | xxx |  | xxx A |
| 408073600 | xxx |  | xxx A |
| 408073582 | xxx |  | xxx A |
| 408073885 | xxx |  | xxx A |

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| |
|:---|
| **LOAN INFORMATION** |
| **Loan ID** |
| 408070915 C A |
| 408071404 C B A |
| 408071174 A |
| 408071134 D A |
| 408071727 D B A |
| 408071580 A |
| 408072106 D A |
| 408071110 A |
| 408072378 D B A |
| 408071747 D B A |
| 408071688 D A B |
| 408072495 A |
| 408070945 D A |
| 408072662 A |
| 408072598 B A |
| 408072962 A |
| 408073062 A |
| 408073076 A |
| 408072780 A B |
| 408073157 A |
| 408073209 C A |
| 408073262 D A |
| 408073418 A |
| 408073600 A |
| 408073582 A |
| 408073885 A |

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** |
| 408070915 | xxx |  | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |
| 408071404 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071174 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071134 | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |
| 408071727 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071580 | xxx |  | xxx | xxx |  | xxx | xxx | xxx |  |  |  |  |
| 408072106 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071110 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408072378 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071747 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408071688 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408072495 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408070945 | xxx |  | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx |
| 408072662 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408072598 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408072962 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073062 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073076 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408072780 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |
| 408073157 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073209 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073262 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073418 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073600 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073582 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |
| 408073885 | xxx |  | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** |
| 408070915 | 1004 URAR |  |  |  |  |  |  |  | xxx | xxx | xxx |
| 408071404 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071174 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071134 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071727 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071580 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408072106 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071110 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408072378 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071747 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408071688 |  |  |  |  |  |  |  |  |  |  |  |
| 408072495 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408070945 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |
| 408072662 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408072598 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408072962 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408073062 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408073076 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408072780 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |
| 408073157 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408073209 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408073262 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408073418 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408073600 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408073582 |  |  |  |  |  |  |  |  | xxx | 0.0 | .000 |
| 408073885 |  |  |  |  |  |  |  |  | xxx | xxx | xxx |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** |
| 408070915 | xxx | Moderate | xxx |  |  |  |  |  |  |  |
| 408071404 | xxx | Low | xxx |  |  |  |  |  |  |  |
| 408071174 | xxx | Moderate | xxx |  |  |  |  |  |  |  |
| 408071134 | xxx | Low | xxx |  |  |  |  |  |  |  |
| 408071727 | xxx | Moderate | xxx |  |  |  |  |  |  |  |
| 408071580 | xxx | Moderate | xxx |  |  |  |  |  |  |  |
| 408072106 | xxx | Moderate | xxx |  |  |  |  |  |  |  |
| 408071110 | xxx | Moderate | xxx |  |  |  |  |  |  |  |
| 408072378 | xxx | Moderate | xxx |  |  |  |  |  |  |  |
| 408071747 | xxx | Moderate | xxx |  |  |  |  |  |  |  |
| 408071688 |  |  |  |  |  |  |  |  |  |  |
| 408072495 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |
| 408070945 |  |  |  |  |  |  |  |  |  |  |
| 408072662 | xxx | Moderate | xxx |  |  |  |  |  |  |  |
| 408072598 | xxx | Moderate | xxx |  |  |  |  |  |  |  |
| 408072962 | xxx | Moderate | xxx |  |  |  |  |  |  |  |
| 408073062 | xxx | Low | xxx |  |  |  |  |  |  |  |
| 408073076 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |
| 408072780 |  |  |  |  |  |  |  |  |  |  |
| 408073157 | xxx | Low | xxx |  |  |  |  |  |  |  |
| 408073209 | xxx | Moderate | xxx |  |  |  |  |  |  |  |
| 408073262 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |
| 408073418 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |
| 408073600 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |
| 408073582 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |
| 408073885 | xxx | Moderate | xxx |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** |
| 408070915 |  |  |  |  |  |  |  |  |  |  |
| 408071404 |  |  |  |  |  |  |  |  |  |  |
| 408071174 |  |  |  |  |  |  |  |  |  |  |
| 408071134 |  |  |  |  |  |  |  |  |  |  |
| 408071727 |  |  |  |  |  |  |  |  |  |  |
| 408071580 |  |  |  |  |  |  |  |  |  |  |
| 408072106 |  |  |  |  |  |  |  |  |  |  |
| 408071110 |  |  |  |  |  |  |  |  |  |  |
| 408072378 |  |  |  |  |  |  |  |  |  |  |
| 408071747 |  |  |  |  |  |  |  |  |  |  |
| 408071688 |  |  |  |  |  |  |  |  |  |  |
| 408072495 |  |  |  |  |  |  |  |  |  |  |
| 408070945 |  |  |  |  |  |  |  |  |  |  |
| 408072662 |  |  |  |  |  |  |  |  |  |  |
| 408072598 |  |  |  |  |  |  |  |  |  |  |
| 408072962 |  |  |  |  |  |  |  |  |  |  |
| 408073062 |  |  |  |  |  |  |  |  |  |  |
| 408073076 |  |  |  |  |  |  |  |  |  |  |
| 408072780 |  |  |  |  |  |  |  |  |  |  |
| 408073157 |  |  |  |  |  |  |  |  |  |  |
| 408073209 |  |  |  |  |  |  |  |  |  |  |
| 408073262 |  |  |  |  |  |  |  |  |  |  |
| 408073418 |  |  |  |  |  |  |  |  |  |  |
| 408073600 |  |  |  |  |  |  |  |  |  |  |
| 408073582 |  |  |  |  |  |  |  |  |  |  |
| 408073885 |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** |
| 408070915 |  |  |  |  |  |  |  |  |  |  |  |
| 408071404 |  |  |  |  |  |  |  |  |  |  |  |
| 408071174 |  |  |  |  |  |  |  |  |  |  |  |
| 408071134 |  |  |  |  |  |  |  |  |  |  |  |
| 408071727 |  |  |  |  |  |  |  |  |  |  |  |
| 408071580 |  |  |  |  |  |  |  |  |  |  |  |
| 408072106 |  |  |  |  |  |  |  |  |  |  |  |
| 408071110 |  |  |  |  |  |  |  |  |  |  |  |
| 408072378 |  |  |  |  |  |  |  |  |  |  |  |
| 408071747 |  |  |  |  |  |  |  |  |  |  |  |
| 408071688 |  |  |  |  |  |  |  |  |  |  |  |
| 408072495 |  |  |  |  |  |  |  |  |  |  |  |
| 408070945 |  |  |  |  |  |  |  |  |  |  |  |
| 408072662 |  |  |  |  |  |  |  |  |  |  |  |
| 408072598 |  |  |  |  |  |  |  |  |  |  |  |
| 408072962 |  |  |  |  |  |  |  |  |  |  |  |
| 408073062 |  |  |  |  |  |  |  |  |  |  |  |
| 408073076 |  |  |  |  |  |  |  |  |  |  |  |
| 408072780 |  |  |  |  |  |  |  |  |  |  |  |
| 408073157 |  |  |  |  |  |  |  |  |  |  |  |
| 408073209 |  |  |  |  |  |  |  |  |  |  |  |
| 408073262 |  |  |  |  |  |  |  |  |  |  |  |
| 408073418 |  |  |  |  |  |  |  |  |  |  |  |
| 408073600 |  |  |  |  |  |  |  |  |  |  |  |
| 408073582 |  |  |  |  |  |  |  |  |  |  |  |
| 408073885 |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| 408070915 |  |  |  |  |  |  |  |
| 408071404 |  |  |  |  |  |  |  |
| 408071174 |  |  |  |  |  |  |  |
| 408071134 |  |  |  |  |  |  |  |
| 408071727 |  |  |  |  |  |  |  |
| 408071580 |  |  |  |  |  |  |  |
| 408072106 |  |  |  |  |  |  |  |
| 408071110 |  |  |  |  |  |  |  |
| 408072378 |  |  |  |  |  |  |  |
| 408071747 |  |  |  |  |  |  |  |
| 408071688 |  |  |  |  |  | xxx |  |
| 408072495 |  |  |  |  |  |  |  |
| 408070945 |  |  |  |  |  |  |  |
| 408072662 |  |  |  |  |  |  |  |
| 408072598 |  |  |  |  |  |  |  |
| 408072962 |  |  |  |  |  |  |  |
| 408073062 |  |  |  |  |  |  |  |
| 408073076 |  |  |  |  |  |  |  |
| 408072780 |  |  |  |  |  |  |  |
| 408073157 |  |  |  |  |  |  |  |
| 408073209 |  |  |  |  |  |  |  |
| 408073262 |  |  |  |  |  |  |  |
| 408073418 |  |  |  |  |  |  |  |
| 408073600 |  |  |  |  |  |  |  |
| 408073582 |  |  |  |  |  |  |  |
| 408073885 |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** |
| 408070915 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408071404 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408071174 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408071134 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | Yes |
| 408071727 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | Yes |
| 408071580 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | Yes |
| 408072106 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408071110 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408072378 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | Yes |
| 408071747 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408071688 |  |  | xxx | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | No |  | Pass | No |
| 408072495 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408070945 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | Yes |
| 408072662 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | Yes |
| 408072598 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408072962 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | Yes |
| 408073062 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | Yes |
| 408073076 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408072780 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408073157 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408073209 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | Yes |
| 408073262 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408073418 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408073600 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |
| 408073582 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | Yes |
| 408073885 |  |  | xxx | QM: Average Prime Offer Rate (APOR) | QM: Average Prime Offer Rate (APOR) | No |  | Pass | No |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** |
| 408070915 | No | No | No | No | No | No | No | No | No | 1730 |
| 408071404 | No | No | No | No | No | No | No | No | No | 4519.11 |
| 408071174 | No | No | No | No | No | No | No | No | No | 1295 |
| 408071134 | No | No | No | No | No | No | No | No | No | 1811 |
| 408071727 | No | No | No | No | No | No | No | No | No | 1696 |
| 408071580 | No | No | No | No | No | No | No | No | No | 1520 |
| 408072106 | No | No | No | No | No | No | No | No | No | 2227.19 |
| 408071110 | No | No | No | No | No | No | No | No | No | 2432.36 |
| 408072378 | No | No | No | No | No | No | No | No | No | 1895 |
| 408071747 | No | No | No | No | No | No | No | No | No | 1742.95 |
| 408071688 | No | No | No | No | No | No | No | No | No | 3209.96 |
| 408072495 | No | No | No | No | No | No | No | No | No | 1490 |
| 408070945 | No | No | No | No | No | No | No | No | No | 1297 |
| 408072662 | No | No | No | No | No | No | No | No | No | 1645 |
| 408072598 | No | No | No | No | No | No | No | No | No | 1490 |
| 408072962 | No | No | No | No | No | No | No | No | No | 1695 |
| 408073062 | No | No | No | No | No | No | No | No | No | 3047.65 |
| 408073076 | No | No | No | No | No | No | No | No | No | 1549 |
| 408072780 | No | No | No | No | No | No | No | No | No | 1623 |
| 408073157 | No | No | No | No | No | No | No | No | No | 6029.2 |
| 408073209 | No | No | No | No | No | No | No | No | No | 3015 |
| 408073262 | No | No | No | No | No | No | No | No | No | 1425 |
| 408073418 | No | No | No | No | No | No | No | No | No | 1390 |
| 408073600 | No | No | No | No | No | No | No | No | No | 5670 |
| 408073582 | No | No | No | No | No | No | No | No | No | 31189.55 |
| 408073885 | No | No | No | No | No | No | No | No | No | 11130.92 |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** |
| 408070915 | 4.264 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071404 | 4.441 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071174 | 4.523 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071134 | 4.28 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071727 | 4.894 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071580 | 4.639 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408072106 | 4.928 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071110 | 4.281 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408072378 | 4.914 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071747 | 4.919 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408071688 | 6.417 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408072495 | 5.325 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408070945 | 4.13 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408072662 | 6.283 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408072598 | 5.417 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408072962 | 6.364 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073062 | 7.035 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073076 | 6.438 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408072780 | 5.14 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073157 | 6.446 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073209 | 5.852 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073262 | 5.968 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073418 | 6.203 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073600 | 6.189 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073582 | 6.042 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 408073885 | 4.343 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** |
| 408070915 | N/A | N/A | N/A |  | N/A | Employed |
| 408071404 | N/A | N/A | N/A |  | N/A | Employed |
| 408071174 | N/A | N/A | N/A |  | N/A | Employed |
| 408071134 | N/A | N/A | N/A |  | N/A | Employed |
| 408071727 | N/A | N/A | N/A | xxx | Yes | Employed |
| 408071580 | N/A | N/A | N/A |  | N/A | Employed |
| 408072106 | N/A | N/A | N/A |  | N/A | Employed |
| 408071110 | N/A | N/A | N/A |  | N/A | Employed |
| 408072378 | N/A | N/A | N/A | xxx | Yes | Employed |
| 408071747 | N/A | N/A | N/A |  | N/A | Employed |
| 408071688 | N/A | N/A | N/A |  | N/A | Employed |
| 408072495 | N/A | N/A | N/A |  | N/A | Employed |
| 408070945 | N/A | N/A | N/A | xxx | Yes | Employed |
| 408072662 | N/A | N/A | N/A |  | N/A | Not Employed |
| 408072598 | N/A | N/A | N/A |  | N/A | Not Employed |
| 408072962 | N/A | N/A | N/A | xxx | Yes | Employed |
| 408073062 | N/A | N/A | N/A | xxx | Yes | Employed |
| 408073076 | N/A | N/A | N/A |  | N/A | Employed |
| 408072780 | N/A | N/A | N/A |  | N/A | Employed |
| 408073157 | N/A | N/A | N/A |  | N/A | Employed |
| 408073209 | N/A | N/A | N/A |  | N/A | Employed |
| 408073262 | N/A | N/A | N/A |  | N/A | Employed |
| 408073418 | N/A | N/A | N/A |  | N/A | Employed |
| 408073600 | N/A | N/A | N/A |  | N/A | Employed |
| 408073582 | N/A | N/A | N/A |  | N/A | Employed |
| 408073885 | N/A | N/A | N/A |  | N/A | Employed |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 408070915 |  | No |  | No | N/A |
| 408071404 | Employed | No | No | No | N/A |
| 408071174 | Employed | No | No | No | N/A |
| 408071134 | Not Employed | No | No | No | N/A |
| 408071727 | Employed | No | No | No | N/A |
| 408071580 |  | No |  | No | N/A |
| 408072106 |  | No |  | No | N/A |
| 408071110 | Not Employed | No | No | No | N/A |
| 408072378 |  | No |  | No | N/A |
| 408071747 | Employed | No | No | No | N/A |
| 408071688 | Not Employed | No | No | No | N/A |
| 408072495 | Employed | No | No | No | N/A |
| 408070945 | Not Employed | No | No | No | N/A |
| 408072662 | Employed | No | No | No | N/A |
| 408072598 | Employed | No | No | No | N/A |
| 408072962 | Employed | No | No | No | N/A |
| 408073062 |  | No |  | No | N/A |
| 408073076 | Employed | No | No | No | N/A |
| 408072780 | Employed | No | No | No | N/A |
| 408073157 | Employed | No | No | No | N/A |
| 408073209 |  | No |  | No | N/A |
| 408073262 | Employed | No | No | No | N/A |
| 408073418 | Employed | No | No | No | N/A |
| 408073600 | Employed | No | No | No | N/A |
| 408073582 |  | No |  | No | N/A |
| 408073885 |  | No |  | No | N/A |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 408070915 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408071174 | Redwood Trust Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 408071174 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408071727 | Redwood Trust Flow | Originator QM Status | diligenceFinalLookPage | xxx | xxx |  |
| 408071727 | Redwood Trust Flow | Property Type | propertyValuationPage | xxx | xxx |  |
| 408071727 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408071727 | Redwood Trust Flow | Sales Price | propertyValuationPage | xxx | xxx |  |
| 408071727 | Redwood Trust Flow | Qualifying CLTV | diligenceFinalLookPage | xxx | xxx |  |
| 408071727 | Redwood Trust Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 408071727 | Redwood Trust Flow | Qualifying LTV | diligenceFinalLookPage | xxx | xxx |  |
| 408071580 | Redwood Trust Flow | Escrow Flag | finalCdDetailPage | xxx | xxx |  |
| 408071580 | Redwood Trust Flow | Qualifying LTV | diligenceFinalLookPage | xxx | xxx |  |
| 408071580 | Redwood Trust Flow | Qualifying CLTV | diligenceFinalLookPage | xxx | xxx |  |
| 408071580 | Redwood Trust Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 408072106 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408071110 | Redwood Trust Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 408071110 | Redwood Trust Flow | Sales Price | propertyValuationPage | xxx | xxx |  |
| 408071110 | Redwood Trust Flow | Originator QM Status | diligenceFinalLookPage | xxx | xxx |  |
| 408071110 | Redwood Trust Flow | Loan Amount/Draw Amount | notePage | xxx | xxx |  |
| 408071110 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408071747 | Redwood Trust Flow | Qualifying FICO | creditLiabilitiesPage | xxx | xxx |  |
| 408071747 | Redwood Trust Flow | Originator QM Status | diligenceFinalLookPage | xxx | xxx |  |
| 408071747 | Redwood Trust Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 408071688 | Redwood Trust Flow | Loan Amount/Draw Amount | notePage | xxx | xxx |  |
| 408071688 | Redwood Trust Flow | Qualifying LTV | diligenceFinalLookPage | xxx | xxx |  |
| 408071688 | Redwood Trust Flow | Qualifying CLTV | diligenceFinalLookPage | xxx | xxx |  |
| 408070945 | Redwood Trust Flow | Escrow Flag | finalCdDetailPage | xxx | xxx |  |
| 408070945 | Redwood Trust Flow | Primary Appraised Property Value | propertyValuationPage | xxx | xxx |  |
| 408072598 | Redwood Trust Flow | Escrow Flag | finalCdDetailPage | xxx | xxx |  |
| 408073076 | Redwood Trust Flow | Qualifying CLTV | diligenceFinalLookPage | xxx | xxx |  |
| 408073076 | Redwood Trust Flow | Loan Amount/Draw Amount | notePage | xxx | xxx |  |
| 408073076 | Redwood Trust Flow | Originator QM Status | diligenceFinalLookPage | xxx | xxx |  |
| 408073076 | Redwood Trust Flow | Escrow Flag | finalCdDetailPage | xxx | xxx |  |
| 408073076 | Redwood Trust Flow | Qualifying LTV | diligenceFinalLookPage | xxx | xxx |  |
| 408072780 | Redwood Trust Flow | Escrow Flag | finalCdDetailPage | xxx | xxx |  |
| 408072780 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408073418 | Redwood Trust Flow | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxx | xxx |  |
| 408073600 | Redwood Trust Flow | Property Type | propertyValuationPage | xxx | xxx |  |
| 408073600 | Redwood Trust Flow | Escrow Flag | postConsummationCdDetailPage | xxx | xxx |  |
| 408073582 | Redwood Trust Flow | Property Type | propertyValuationPage | xxx | xxx |  |
| 408073582 | Redwood Trust Flow | Primary Appraised Property Value | complianceOnlyDataPage | xxx | xxx |  |
| 408073885 | Redwood Trust Flow | Originator QM Status | diligenceFinalLookPage | xxx | xxx |  |

---

## Exhibit 99.10

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

![](tm237654d1_ex99-10img01.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Redwood Residential Acquisition Corporation (the "Client") via reliance letter. The Review was conducted in October 2021 through February 2023 on mortgage loans with origination dates in December 2021 through November 2022 via files imaged and provided by the original client for review.

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

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The final population of the Review covered 23 mortgage loans totaling an aggregate original principal balance of approximately $25.737 million.

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

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

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

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

---

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

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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| | |
|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors. |

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

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

**(9) Disclaimer.**

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

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

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**SUMMARY OF FINDINGS AND CONCLUSIONS**

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

**OVERALL RESULTS SUMMARY**

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

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** |
| &nbsp;&nbsp;**Final Loan <br> Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;21 | &nbsp;&nbsp;18 | &nbsp;&nbsp;23 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |
| &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;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**23** |
| &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** |
| &nbsp;&nbsp;**Final Loan<br> Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;91.30% | &nbsp;&nbsp;78.26% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;73.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8.70% | &nbsp;&nbsp;21.74% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;26.09% |
| &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% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

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**EXCEPTION CATEGORY SUMMARY**

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

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|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**NRSRO<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**9** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**11** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 23 mortgage loans reviewed, 13 mortgage loans had 28 different tape discrepancies across 9 data fields (some mortgage loans had more than one data delta). A blank or zero value on the data tape when an actual value was captured by AMC was treated as a data variance. The largest variances were found on Appraised Value, Contract Sales Price, Investor: Qualifying Total Debt Ratio and Original Term. Qualifying Total Debt Ratio variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating complex incomes.

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| | | | | |
|:---|:---|:---|:---|:---|
| &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** |
| &nbsp;&nbsp;# of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;8 | &nbsp;&nbsp;62.50% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;5 | &nbsp;&nbsp;11 | &nbsp;&nbsp;45.45% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;23 | &nbsp;&nbsp;8.70% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;23 | &nbsp;&nbsp;4.35% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;22.22% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**371** | &nbsp;&nbsp;**7.55%** | &nbsp;&nbsp;**23** |

---

12 \| P a g e

![](tm237654d1_ex99-10img01.jpg)

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

(some totals may not add due to rounding)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$25737264.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$25737264.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$25737264.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$25737264.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.35% | &nbsp;&nbsp;$1044000.00 | &nbsp;&nbsp;4.06% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;9 | &nbsp;&nbsp;39.13% | &nbsp;&nbsp;$10486401.00 | &nbsp;&nbsp;40.74% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.35% | &nbsp;&nbsp;$838289.00 | &nbsp;&nbsp;3.26% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.35% | &nbsp;&nbsp;$975000.00 | &nbsp;&nbsp;3.79% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;9 | &nbsp;&nbsp;39.13% | &nbsp;&nbsp;$10105391.00 | &nbsp;&nbsp;39.26% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;2 | &nbsp;&nbsp;8.70% | &nbsp;&nbsp;$2288183.00 | &nbsp;&nbsp;8.89% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$25737264.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$25737264.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$25737264.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;11 | &nbsp;&nbsp;47.83% | &nbsp;&nbsp;$11538732.00 | &nbsp;&nbsp;44.83% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;12 | &nbsp;&nbsp;52.17% | &nbsp;&nbsp;$14198532.00 | &nbsp;&nbsp;55.17% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$25737264.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$25737264.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$25737264.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;5 | &nbsp;&nbsp;21.74% | &nbsp;&nbsp;$6043331.00 | &nbsp;&nbsp;23.48% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;18 | &nbsp;&nbsp;78.26% | &nbsp;&nbsp;$19693933.00 | &nbsp;&nbsp;76.52% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$25737264.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Review Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Credit/Compliance - TRID | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$25737264.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**23** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$25737264.00** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

## Exhibit 99.11

**EXHIBIT 99.11 AMC LOAN SECURITIZATION REPORT SET**

![](tm237654d1_ex99-11img001.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 2/20/2023 7:43:29 PM** |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** |
| {Redacted} | 408070371 | {Redacted} |  |  | C | A |  |
| {Redacted} | 408070063 | {Redacted} |  |  | A | A |  |
| {Redacted} | 408070061 | {Redacted} |  |  | A | C |  |
| {Redacted} | 408070079 | {Redacted} |  |  | A | A |  |
| {Redacted} | 408070094 | {Redacted} |  |  | A | C |  |
| {Redacted} | 408070230 | {Redacted} |  |  | A | A |  |
| {Redacted} | 408070281 | {Redacted} |  |  | C | B |  |
| {Redacted} | 408070278 | {Redacted} |  |  | C | A |  |
| {Redacted} | 408070420 | {Redacted} |  |  | C | C |  |
| {Redacted} | 408070054 | {Redacted} |  |  | C | C |  |
| {Redacted} | 408071897 | {Redacted} |  |  | C | A |  |
| {Redacted} | 408070330 | {Redacted} |  |  | C | A |  |
| {Redacted} | 408070162 | {Redacted} |  |  | B | C |  |
| {Redacted} | 408073869 | {Redacted} |  |  | C | C |  |
| {Redacted} | 408073867 | {Redacted} |  |  | B | C |  |
| {Redacted} | 408073868 | {Redacted} |  |  | A | B |  |
| {Redacted} | 408073874 | {Redacted} |  |  | C | A |  |
| {Redacted} | 408073877 | {Redacted} |  |  | A | C |  |
| {Redacted} | 408073871 | {Redacted} |  |  | C | A |  |
| {Redacted} | 408073876 | {Redacted} |  |  | C | C |  |
| {Redacted} | 408073872 | {Redacted} |  |  | A | A |  |
| {Redacted} | 408073870 | {Redacted} |  |  | A | A |  |
| {Redacted} | 408073873 | {Redacted} |  |  | A | A |  |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| LOAN INFORMATION | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** |
| **Customer Loan ID** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| 408070371 | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| 408070063 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408070061 | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| 408070079 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408070094 | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| 408070230 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408070281 | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| 408070278 | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| 408070420 | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| 408070054 | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| 408071897 | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| 408070330 | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| 408070162 | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| 408073869 | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |
| 408073867 | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |
| 408073868 | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  |
| 408073874 | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| 408073877 | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| 408073871 | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| 408073876 | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |
| 408073872 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408073870 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408073873 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| LOAN INFORMATION | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Customer Loan ID** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| 408070371 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408070063 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408070061 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408070079 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408070094 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408070230 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408070281 | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 408070278 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408070420 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408070054 | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 408071897 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408070330 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408070162 | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 408073869 | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 408073867 | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 408073868 | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 408073874 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408073877 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408073871 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408073876 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408073872 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408073870 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 408073873 | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |

---

![](tm237654d1_ex99-11img001.jpg)

---

| |
|:---|
| **Exception Grades** |
| **Run Date - 2/20/2023 7:43:29 PM** |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** |
| {Redacted} | 408070371 | {Redacted} |  | 24751354 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing |
| {Redacted} | 408070371 | {Redacted} |  | 24751355 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |
| {Redacted} | 408070061 | {Redacted} |  | 24824084 |  | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File |
| {Redacted} | 408070094 | {Redacted} |  | 24824111 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided |
| {Redacted} | 408070281 | {Redacted} |  | 24824458 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation |
| {Redacted} | 408070281 | {Redacted} |  | 24824459 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation |
| {Redacted} | 408070281 | {Redacted} |  | 24824460 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation |
| {Redacted} | 408070281 | {Redacted} |  | 24824463 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |
| {Redacted} | 408070278 | {Redacted} |  | 24824464 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |
| {Redacted} | 408070420 | {Redacted} |  | 24842446 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing |
| {Redacted} | 408070420 | {Redacted} |  | 24842447 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver |
| {Redacted} | 408070420 | {Redacted} |  | 24842449 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |
| {Redacted} | 408070420 | {Redacted} |  | 24842450 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |
| {Redacted} | 408070054 | {Redacted} |  | 25019539 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |
| {Redacted} | 408070054 | {Redacted} |  | 25019542 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided |
| {Redacted} | 408070054 | {Redacted} |  | 25019543 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided |
| {Redacted} | 408070054 | {Redacted} |  | 25019544 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |
| {Redacted} | 408071897 | {Redacted} |  | 25473247 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing |
| {Redacted} | 408071897 | {Redacted} |  | 25473248 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |
| {Redacted} | 408071897 | {Redacted} |  | 25473249 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |
| {Redacted} | 408070330 | {Redacted} |  | 25555797 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |
| {Redacted} | 408070162 | {Redacted} |  | 25555811 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |
| {Redacted} | 408070162 | {Redacted} |  | 25555812 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 |
| {Redacted} | 408070162 | {Redacted} |  | 25555813 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs |
| {Redacted} | 408073869 | {Redacted} |  | 27986162 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |
| {Redacted} | 408073869 | {Redacted} |  | 27986163 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing |
| {Redacted} | 408073869 | {Redacted} |  | 27986164 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing |
| {Redacted} | 408073869 | {Redacted} |  | 27986165 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments |
| {Redacted} | 408073869 | {Redacted} |  | 27986166 |  | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |
| {Redacted} | 408073867 | {Redacted} |  | 27986167 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |
| {Redacted} | 408073867 | {Redacted} |  | 27986169 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO [Redacted] Method |
| {Redacted} | 408073867 | {Redacted} |  | 27986171 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM |
| {Redacted} | 408073868 | {Redacted} |  | 27986175 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Testing |
| {Redacted} | 408073874 | {Redacted} |  | 27986177 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |
| {Redacted} | 408073877 | {Redacted} |  | 27986181 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided |
| {Redacted} | 408073871 | {Redacted} |  | 27986182 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. |
| {Redacted} | 408073876 | {Redacted} |  | 27986184 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |
| {Redacted} | 408073876 | {Redacted} |  | 27986186 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided |
| {Redacted} | 408073876 | {Redacted} |  | 27986187 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |
| {Redacted} | 408073876 | {Redacted} |  | 27986188 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. |
| {Redacted} | 408073876 | {Redacted} |  | 27986189 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** |
| 408070371 | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal fee was disclosed at [redacted] on the Initial Loan Estimate, but disclosed as [redacted] on the Final Closing Disclosure dated[redacted]. No valid changed circumstance was found in the file. A Cure of [redacted] provided at closing was sufficient to cover the tolerance violation amount totaling [redacted]. |  |  |  | Reviewer Comment (2022-01-11): Sufficient Cure Provided At Closing |
| 408070371 |  | \*\*\*\*PLEASE OVERRIDE THIS EXCEPTION\*\*\*\* <br>AUS does not require a VVOE for prior employment. |  |  |  | Reviewer Comment (2022-01-18): Received Third party verification document and associated. Exception cleared.<br>Buyer Comment (2022-01-14): Please see attached prior VOE for [redacted].<br>Reviewer Comment (2022-01-14): As per Freddie/Fannie Guidelines VVOE document require of previous employement "[redacted] " of co-borrower:-[redacted] , hence exception remains.<br>Buyer Comment (2022-01-13): Please see attached VVOE.<br>Reviewer Comment (2022-01-13): A VVOE is required as we need to verify the start date and an end date for the employment, hence, exception remains.<br>Buyer Comment (2022-01-12): Please advise as Exception Information states the following: "\*\*\*\*PLEASE OVERRIDE THIS EXCEPTION\*\*\*\* AUS does not require a VVOE for prior employment." |
| 408070061 | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | Missing state disclosure for the Tangible Net Benefit. |  |  |  | Reviewer Comment (2022-02-11): Received [redacted] borrower state disclosure for the Tangible Net Benefit and associated .Exception cleared.<br>Buyer Comment (2022-02-10): Please see the attached for the guideline<br>Reviewer Comment (2022-02-10): [redacted] is unfamiliar with client's Internal Jumbo Guideline. Can this guide be provided for review to determine if loan meets client's guideline profile.<br>Buyer Comment (2022-02-09): The Previous loan the client had with [redacted] closed on [redacted] which is greater than 60 months from the new mortgage closing with [redacted] on [redacted] . This meets Jumbo seasoning guidelines and therefore would not require the State Net Benefits Test. |
| 408070094 | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal fee increased from [redacted] to [redacted] on [redacted]. A valid Change of Circumstance was not provided and a cure in the amount of [redacted] was missing. |  |  |  | Reviewer Comment (2022-02-09): [redacted] has received valid COC for increase in appraisal fee.<br>Buyer Comment (2022-02-09): see attached<br>Buyer Comment (2022-02-09): Appraisal fee increased on [redacted] due to complexity and lack of comps. The fee change was disclosed to the client [redacted] with the LE attached. Please review to clear condition. |
| 408070281 | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | An Acknowledgement of Receipt of Appraisal report was not provided for review.<br> The appraisal was provided on [redacted] but the date received is unknown, and cannot be determined if it was received within three business days of closing. |  |  |  |  |
| 408070281 | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | An Acknowledgement of Receipt of Appraisal report was not provided for review.<br> The appraisal was provided on [redacted] but the date received is unknown, and cannot be determined if it was received within three business days of closing. |  |  |  |  |
| 408070281 | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | An Acknowledgement of Receipt of Appraisal report was not provided for review.<br> The appraisal was provided on [redacted] but the date received is unknown, and cannot be determined if it was received within three business days of closing. |  |  |  |  |
| 408070281 | - ___ | A statement for the 2nd mortgage on the REO [redacted] was not provided for review. |  |  |  | Reviewer Comment (2022-02-16): Statement provided. Exception cleared.<br>Buyer Comment (2022-02-15): Please see the attached non-subject HELOC documentation. |
| 408070278 |  | The provided Verbal verification of employment for the co-borrower from [redacted] did not contain the source used to obtain the employer's telephone number in order to verify an independent third party was used. A verification of employment is required. |  |  |  | Reviewer Comment (2022-02-14): Source used to obtain the employer's telephone number is provided. Exception cleared.<br>Buyer Comment (2022-02-11): [redacted] See proof of the verification of employment phone number. |
| 408070420 | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee Amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2022-01-27): Sufficient Cure Provided At Closing |
| 408070420 | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | File only contains the Final Closing Disclosure dated [redacted], which was signed and dated by the borrowers on [redacted]. File is missing evidence the borrowers received the Final Closing Disclosure at least 3 business days prior to the closing date of [redacted]. |  |  |  | Reviewer Comment (2022-02-04): [redacted] received the initial CD, exception is cleared.<br>Buyer Comment (2022-02-02): Initial CD as requested |
| 408070420 |  | Co-borrower's employment was verified with a Work Number dated [redacted], which is dated 31 business days from the Note date of [redacted]. File is missing a Verbal VOE dated no earlier than 10 business days prior to the note date as required by the Signature Jumbo guidelines. |  |  |  | Reviewer Comment (2022-02-04): Received work number verification/wvoe document prior to 10 business days from closing date and associated. Exception cleared.<br>Buyer Comment (2022-02-01): Final verbal for borrower<br>Buyer Comment (2022-02-01): Final verbal for co-borrower |
| 408070420 |  | Borrower's employment was verified with a Verbal VOE dated [redacted], which is dated 22 business days from the Note date of [redacted]. File is missing a Verbal VOE dated no earlier than 10 business days prior to the note date as required by the Signature Jumbo guidelines. |  |  |  | Reviewer Comment (2022-02-04): Received vvoe document prior to 10 business days from closing date and associated. Exception cleared.<br>Buyer Comment (2022-02-03): Final verbal for borrower |
| 408070054 |  |  |  |  |  | Reviewer Comment (2022-02-10): Received and associated equity statement and purchase contract and now calculated PITIA months reserves are more than Guideline PITIA months reserves. Exception Cleared.<br>Buyer Comment (2022-02-09): See equity statement uploaded. |
| 408070054 | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus 10% or [redacted]. Insufficient or no cure was provided to the borrower. | The Recording Fee increased from [redacted] to [redacted] on [redacted]. A valid Change of Circumstance was not provided and a cure in the amount of [redacted] was missing. |  |  |  | Reviewer Comment (2022-02-23): [redacted] received Letter of Explanation, Proof of Mailing, Copy of Refund Check, and Corrected PCCD.<br>Buyer Comment (2022-02-23): Please see attached proof of mailing.<br>Reviewer Comment (2022-02-18): [redacted] received corrected PCCD, LOE, Copy of refund check and shipping label. Tracking indicates the label has been created; however, it has not been picked up for shipping. Proof of mailing is required to cure<br>Buyer Comment (2022-02-17): Please see attached redisclosure package curing both issues. |
| 408070054 | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | The Lender credit for loan amount (points) decreased from [redacted] to [redacted] on [redacted] . A valid change of circumstance was not provided and a cure of [redacted] was missing. |  |  |  | Reviewer Comment (2022-02-23): [redacted] received Letter of Explanation, Proof of Mailing, Copy of Refund Check, and Corrected PCCD.<br>Buyer Comment (2022-02-23): Please see attached proof of mailing.<br>Reviewer Comment (2022-02-18): [redacted] received corrected PCCD, LOE, Copy of refund check and shipping label. Tracking indicates the label has been created; however, it has not been picked up for shipping. Proof of mailing is required to cure<br>Buyer Comment (2022-02-17): Please see attached redisclosure package curing both issues.<br>Reviewer Comment (2022-02-11): [redacted] disagree with the comment, since borrower paid amount is decreased on CD dated [redacted] and then again it is increased on final CD dated [redacted] from [redacted] to [redacted] respectively. Fee is rebase lined on [redacted] . Need valid reason for increase in fee or need cure documents.<br>Buyer Comment (2022-02-10): A change in discount points on [redacted] CD does not require an explanation. [redacted] LE disclosed [redacted] in discount points. This amount was the baseline established for discount points. Decrease in discount points to[redacted] on [redacted] CD did not re-establish the baseline for discount points.<br>Reviewer Comment (2022-02-10): [redacted] has received CIC dated [redacted] . However CIC is required for increase of Loan Discount Points buyer Paid part from [redacted] to [redacted] on final CD dated [redacted] . There is no change in Total Loan Discount Pont but the buyer paid part has been increased from [redacted] to [redacted]. Please provide valid COC or provide cure for the same.<br>Buyer Comment (2022-02-09): See attached. |
| 408070054 |  | Documentation of the funds received from the sale of the REO [redacted] was not provided for review. |  |  |  | Reviewer Comment (2022-02-10): Received and associated equity statement and purchase contract for the sale of REO [redacted]. Exception Cleared.<br>Buyer Comment (2022-02-09): See attached. The client sold his home to a relocation firm. |
| 408071897 | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-03-24): Sufficient Cure Provided At Closing |
| 408071897 |  | 1008 and Rate lock indicate loan was approved using LP and the file does not contain an LP findings. The file contained DU findings dated [Redacted] and these were used during this review. |  |  |  | Reviewer Comment (2022-03-29): LP has been provided dated [Redacted]. Exception cleared.<br>Buyer Comment (2022-03-28): Please see attached |
| 408071897 |  | The file is missing a copy of the fraud report. |  |  |  | Reviewer Comment (2022-03-29): Fraud Report provided, Exception cleared.<br>Buyer Comment (2022-03-28): Please see the attached<br>Reviewer Comment (2022-03-28): Provided document is the SAM.gov result, please provide Fraud report to clear the exception.<br>Buyer Comment (2022-03-25): Please see attached |
| 408070330 |  | The verbal verification of employment for the borrower's employment with Pypestream Inc. did not state the source used to obtain [redacted] |  |  |  | Reviewer Comment (2022-02-16): Google search is provided which was used for Verbal verification for the Borrower's Employment. Exception cleared.<br>Buyer Comment (2022-02-15): Please see the attached internal screen shot and google search, there was a data entry error on the VOE form. The phone number we verified on [redacted] verifies to the business. |
| 408070162 |  | The loan amount is [redacted] and the Title Commitment is for [redacted]. Need to provide updated title or copy of final title policy. |  |  |  | Reviewer Comment (2022-02-25): .<br>Reviewer Comment (2022-01-31): [redacted] FTP provided. Exception cleared.<br>Buyer Comment (2022-01-31): Whoopsies! See attached.<br>Reviewer Comment (2022-01-31): Received RCE for the HO coverage. Exception above is actually for the Title coverage. Please provide evidence of increased title coverage in order to clear the exception.<br>Buyer Comment (2022-01-28): See attached. Dwelling coverage covers the replacement cost of the subject property as determined by the insurer. |
| 408070162 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted]on Final Closing Disclosure provided on [redacted] not accurate. | Final CD reflects annual HOA fee of [redacted] however, the appraisal shows correct annual HOA fee of[redacted] |  |  |  | Reviewer Comment (2022-01-31): PCCD and LOE provided. Exception cleared.<br>Buyer Comment (2022-01-28): See attached. |
| 408070162 | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. | The flood insurance should be reflected under "Insurance" versus "Other" under the estimated taxes, insurance and assessments in the projected payments section. |  |  |  | Buyer Comment (2022-01-28): This is correctly disclosed as a more consumer-friendly method. As there is not a traditional hazard insurance policy, the flood is disclosed<br> as a separate line item for better visibility for the consumer. |
| 408073869 | Disaster Name: ___<br> Disaster Declaration Date: ___ | Subject property was appraised on [Redacted] prior to the FEMA disaster (Hurricane Ian) declared on [Redacted]. File is missing a property inspection dated after the disaster, or the lender's Rep and Warranty attestation along with visible confirmation that the subject property was not damaged. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC,Aggregator | Reviewer Comment (2022-10-14): Client elects to waive with 1004D prior to disaster end date.<br>Buyer Comment (2022-10-14): See attached disaster inspection report. Thank you. |
| 408073869 | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-10-12): Sufficient Cure Provided At Closing |
| 408073869 | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-10-12): Sufficient Cure Provided At Closing |
| 408073869 | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure disclosed a Total of Payments of [Redacted] but calculated Total of Payments is [Redacted], which is a variance of [Redacted]. |  |  |  | Reviewer Comment (2022-11-02): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2022-10-31): Air bill, RTC, Delivery<br>Reviewer Comment (2022-10-24): Re-opening of rescission and proof of delivery is required to cure. Please provide mailing label and copy of re-issued RTC for review.<br>Buyer Comment (2022-10-20): PCCD, LOX, Air Bill, and check |
| 408073869 |  | Based on the documentation provided, the preliminary appraisal dated [Redacted] is missing from the file, along with any other appraisals completed for the subject property, and evidence the borrower received a copy of all appraisals at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2022-10-18): Preliminary appraisal provided.<br>Buyer Comment (2022-10-17): See attached, thank you.<br>Reviewer Comment (2022-10-17): [Redacted] appraisal provided. Missing [Redacted] appraisal. Exception remains.<br>Buyer Comment (2022-10-17): See attached appraisal report dated [Redacted]. Thank you.<br>Reviewer Comment (2022-10-14): Missing preliminary appraisal. Exception remains.<br>Buyer Comment (2022-10-14): See attached, thank you. |
| 408073867 |  | The Preliminary title policy amount is blank |  |  |  | Reviewer Comment (2023-02-17): Exception has been acknowledged. |
| 408073867 | General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Missing lease Agreement in file. No Schedule E in file. |  |  |  | Reviewer Comment (2022-09-27): Received copy of the lease agreement. |
| 408073867 | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Missing Lease Agreement for [Redacted]. |  |  |  | Reviewer Comment (2022-09-27): Received copy of the lease agreement. |
| 408073868 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] not accurate. | Estimated Annual Property Cost amount of [Redacted] varies from calculated amount of [Redacted]. |  |  |  | Reviewer Comment (2023-02-17): Exception has been acknowledged. |
| 408073874 |  | Provide the required documentation for the state of [Redacted] |  |  |  | Reviewer Comment (2022-12-27): Received RCE, coverage is sufficient.<br>Buyer Comment (2022-12-27): Comment from [Redacted]: The FL checklist of coverage document has been provided on page [Redacted] of the loan file. |
| 408073877 | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Insufficient or no cure was provided to the borrower. | Survey fee was first disclosed to the borrower as [Redacted] on the [Redacted] LE. A valid COC for the fee increase to [Redacted] was not provided. |  |  |  | Reviewer Comment (2022-12-28): [Redacted] received detailed comment from Seller and Borrower shopped for own service provider. Also, fee is not bound by a tolerance.<br>Buyer Comment (2022-12-27): Comment from [Redacted]: There is not a tolerance violation as this fee was charged by a 3rd party service provider shopped for by the consumer who negotaited fees on their own behalf. This is correctly disclosed in Section C of the CD. Please review to clear this condition. |
| 408073871 |  | Hazard doc does not reflect coverage amount |  |  |  | Reviewer Comment (2022-12-30): Provided Policy coverage and replacement cost estimator<br>Seller Comment (2022-12-29): Comment from [Redacted]: Please see the attached HOI summary outlining all pertinent HOI details, previously generated RCE and written confirmation from the insurer that the current policy is written to replacement cost. |
| 408073876 |  | Borrower's income and employment was verified with a Written VOE dated [Redacted], which is dated [Redacted] business days from the Note date of [Redacted]. File is missing a Verbal VOE dated no more than 10 business days prior to the note date as required by DU Condition #14. |  |  |  | Reviewer Comment (2022-08-23): VVOE within 10 days provided.<br>Buyer Comment (2022-08-23): Please see VOE |
| 408073876 | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial Loan Estimate was electronically provided to the borrower on [Redacted] however, the borrower did not consent to electronic disclosures until [Redacted]. Initial Loan Estimate sent electronically prior to e-sign consent may result in additional fee tolerance violations. |  |  |  | Reviewer Comment (2022-08-24): Received proof the Initial Loan Estimate was mailed to the borrower on [Redacted].<br>Buyer Comment (2022-08-24): LE LOX |
| 408073876 |  | Verified assets of [Redacted] are insufficient to cover the funds needed for closing of [Redacted]. Shortage is due to borrower's checking account verifies a large incoming wire transfer of [Redacted] on [Redacted] that was not verified and sourced as required by Fannie Mae guidelines. This unverified deposit has been excluded. |  |  |  | Reviewer Comment (2022-08-26): Received closing disclosure of property "[Redacted]" as net proceeds deposit amount [Redacted] on [Redacted] of borrower sold property, require reserve and assets requirement is fulfilled and received documents associated in file. Exception cleared.<br>Buyer Comment (2022-08-25): LOX<br>Buyer Comment (2022-08-25): Rebuttal<br>Buyer Comment (2022-08-25): CD |
| 408073876 |  | Verified assets of [Redacted] are insufficient to cover the DU qualifying assets of [Redacted]. Shortage is due to borrower's checking account verifies a large incoming wire transfer of [Redacted] on [Redacted] that was not verified and sourced as required by Fannie Mae guidelines. This unverified deposit has been excluded. |  |  |  | Reviewer Comment (2022-08-26): Received closing disclosure of property "[Redacted]" as net proceeds deposit amount [Redacted] on [Redacted] of borrower sold property, require reserve and assets requirement is fulfilled and received documents associated in file. Exception cleared. |
| 408073876 |  | Verified reserves of [Redacted] months are insufficient to cover the [Redacted] months of reserves as required by the [Redacted] AUS guidelines. Shortage is due to borrower's checking account verifies a large incoming wire transfer of [Redacted] on [Redacted] that was not verified and sourced as required by Fannie Mae guidelines. This unverified deposit has been excluded. |  |  |  | Reviewer Comment (2022-08-26): Received closing disclosure of property "[Redacted]" as net proceeds deposit amount [Redacted] on [Redacted] of borrower sold property, require reserve and assets requirement is fulfilled and received documents associated in file. Exception cleared. |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** |
| 408070371 |  | 01/11/2022 |  | 1 A |  | NJ | Primary |
| 408070371 | 01/18/2022 |  |  | 1 C A |  | NJ | Primary |
| 408070061 | 02/11/2022 |  |  | 1 C A |  | MA | Primary |
| 408070094 | 02/09/2022 |  |  | 1 C A |  | MD | Primary |
| 408070281 |  |  | 02/25/2022 | 2 B |  | CO | Primary |
| 408070281 |  |  | 02/25/2022 | 2 B |  | CO | Primary |
| 408070281 |  |  | 02/25/2022 | 2 B |  | CO | Primary |
| 408070281 | 02/16/2022 |  |  | 1 C A |  | CO | Primary |
| 408070278 | 02/14/2022 |  |  | 1 C A |  | WA | Primary |
| 408070420 |  | 01/27/2022 |  | 1 A |  | CA | Primary |
| 408070420 | 02/04/2022 |  |  | 1 C A |  | CA | Primary |
| 408070420 | 02/04/2022 |  |  | 1 C A |  | CA | Primary |
| 408070420 | 02/04/2022 |  |  | 1 C A |  | CA | Primary |
| 408070054 | 02/10/2022 |  |  | 1 C A |  | PA | Primary |
| 408070054 |  | 02/23/2022 |  | 2 C B |  | PA | Primary |
| 408070054 |  | 02/23/2022 |  | 2 C B |  | PA | Primary |
| 408070054 | 02/10/2022 |  |  | 1 C A |  | PA | Primary |
| 408071897 |  | 03/24/2022 |  | 1 A |  | FL | Primary |
| 408071897 | 03/29/2022 |  |  | 1 C A |  | FL | Primary |
| 408071897 | 03/29/2022 |  |  | 1 C A |  | FL | Primary |
| 408070330 | 02/16/2022 |  |  | 1 C A |  | FL | Primary |
| 408070162 | 02/25/2022 |  |  | 1 B A |  | FL | Primary |
| 408070162 |  | 01/31/2022 |  | 2 C B |  | FL | Primary |
| 408070162 |  |  | 01/28/2022 | 2 B |  | FL | Primary |
| 408073869 |  |  | 10/14/2022 | 2 C B |  | FL | Primary |
| 408073869 |  | 10/12/2022 |  | 1 A |  | FL | Primary |
| 408073869 |  | 10/12/2022 |  | 1 A |  | FL | Primary |
| 408073869 |  | 11/02/2022 |  | 2 C B |  | FL | Primary |
| 408073869 | 10/18/2022 |  |  | 1 C A |  | FL | Primary |
| 408073867 |  |  | 02/17/2023 | 2 B |  | CA | Primary |
| 408073867 | 09/27/2022 |  |  | 1 C A |  | CA | Primary |
| 408073867 | 09/27/2022 |  |  | 1 B A C |  | CA | Primary |
| 408073868 |  |  | 02/17/2023 | 2 B |  | TN | Primary |
| 408073874 | 12/27/2022 |  |  | 1 C A |  | FL | Primary |
| 408073877 | 12/28/2022 |  |  | 1 C A |  | TX | Primary |
| 408073871 | 12/30/2022 |  |  | 1 C A |  | MA | Primary |
| 408073876 | 08/23/2022 |  |  | 1 C A |  | OK | Primary |
| 408073876 | 08/24/2022 |  |  | 1 C A |  | OK | Primary |
| 408073876 | 08/26/2022 |  |  | 1 C A |  | OK | Primary |
| 408073876 | 08/26/2022 |  |  | 1 C A |  | OK | Primary |
| 408073876 | 08/26/2022 |  |  | 1 C A |  | OK | Primary |

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| | | |
|:---|:---|:---|
| **Customer Loan ID** | **Purpose** | **Exception Remediation** |
| 408070371 | Purchase | Final CD evidences Cure A |
| 408070371 | Purchase | C A |
| 408070061 | Refinance - Cash-out - Other | C A |
| 408070094 | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A |
| 408070281 | Purchase | C B A |
| 408070281 | Purchase | C B A |
| 408070281 | Purchase | C B A |
| 408070281 | Purchase | C B A |
| 408070278 | Refinance - Rate/Term | C A |
| 408070420 | Refinance - Cash-out - Home Improvement | Final CD evidences Cure A |
| 408070420 | Refinance - Cash-out - Home Improvement | No Defined Cure A |
| 408070420 | Refinance - Cash-out - Home Improvement | C A |
| 408070420 | Refinance - Cash-out - Home Improvement | C A |
| 408070054 | Purchase | C B A |
| 408070054 | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A |
| 408070054 | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A |
| 408070054 | Purchase | C B A |
| 408071897 | Refinance - Cash-out - Other | Final CD evidences Cure A |
| 408071897 | Refinance - Cash-out - Other | C A |
| 408071897 | Refinance - Cash-out - Other | C A |
| 408070330 | Refinance - Cash-out - Other | C A |
| 408070162 | Refinance - Rate/Term | C B A |
| 408070162 | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A |
| 408070162 | Refinance - Rate/Term | Good Faith Redisclosure C B A |
| 408073869 | Refinance - Cash-out - Other | C B |
| 408073869 | Refinance - Cash-out - Other | Final CD evidences Cure B |
| 408073869 | Refinance - Cash-out - Other | Final CD evidences Cure B |
| 408073869 | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B |
| 408073869 | Refinance - Cash-out - Other | C B |
| 408073867 | Purchase | C B |
| 408073867 | Purchase | C B |
| 408073867 | Purchase | Lender to provide updated ATR/QM status C B |
| 408073868 | Purchase | Letter of Explanation & Corrected Closing Disclosure B A |
| 408073874 | Purchase | C A |
| 408073877 | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A |
| 408073871 | Refinance - Cash-out - Other | C A |
| 408073876 | Purchase | C A |
| 408073876 | Purchase | C A |
| 408073876 | Purchase | C A |
| 408073876 | Purchase | C A |
| 408073876 | Purchase | C A |

---

---

| | | | |
|:---|:---|:---|:---|
| **Customer Loan ID** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 408070371 A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 408070371 A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408070061 C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408070094 C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 408070281 B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408070281 B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408070281 B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408070281 B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408070278 A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408070420 C A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| 408070420 C A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| 408070420 C A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| 408070420 C A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| 408070054 C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408070054 C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 408070054 C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 408070054 C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408071897 A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 408071897 A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408071897 A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408070330 A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408070162 C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408070162 C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408070162 C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408073869 C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408073869 C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 408073869 C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 408073869 C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 408073869 C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408073867 C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408073867 C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408073867 C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 408073868 B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 408073874 A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408073877 C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 408073871 A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408073876 C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408073876 C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408073876 C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408073876 C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 408073876 C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

![](tm237654d1_ex99-11img001.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 2/20/2023 7:43:30 PM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** |
| {Redacted} | 408070371 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070063 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070061 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070079 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070094 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070230 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070281 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070278 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070420 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070054 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408071897 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070330 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408070162 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408073869 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408073867 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408073868 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408073874 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408073877 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408073871 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408073876 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408073872 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408073870 | {Redacted} |  |  |  |  |  |  | 0.000% |
| {Redacted} | 408073873 | {Redacted} |  |  |  |  |  |  | 0.000% |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| LOAN INFORMATION | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** |
| **Customer Loan ID** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal Confidence Score** |
| 408070371 |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |
| 408070063 |  |  |  | Appraisal |  |  |  |  |  |  |  |  |
| 408070061 |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |
| 408070079 |  |  |  | Appraisal |  |  |  |  |  |  |  |  |
| 408070094 |  |  |  | Appraisal |  |  |  |  |  |  |  |  |
| 408070230 |  |  |  | Appraisal |  |  |  |  |  |  |  |  |
| 408070281 |  |  |  | Appraisal |  |  | {Redacted} |  |  | BPO |  |  |
| 408070278 |  |  |  | Appraisal |  |  |  |  |  |  |  |  |
| 408070420 |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |
| 408070054 |  |  |  | Appraisal |  |  |  |  |  |  |  |  |
| 408071897 |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |
| 408070330 |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |
| 408070162 |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |
| 408073869 |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |
| 408073867 |  |  |  | Appraisal |  |  |  |  |  |  |  |  |
| 408073868 |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |
| 408073874 |  |  |  | Appraisal |  |  |  |  |  |  |  |  |
| 408073877 |  |  |  | Appraisal |  |  |  |  |  |  |  |  |
| 408073871 |  |  |  | Appraisal |  |  |  |  |  |  |  |  |
| 408073876 |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |
| 408073872 |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |
| 408073870 |  |  |  | Appraisal |  |  |  |  |  |  |  |  |
| 408073873 |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| LOAN INFORMATION | **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** |
| **Customer Loan ID** | **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** |
| 408070371 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070063 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070061 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070079 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070094 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070230 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070281 |  |  |  |  |  |  |  |  | {Redacted} |  | High |  |  |
| 408070278 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070420 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070054 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071897 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070330 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070162 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073869 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073867 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073868 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073874 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073877 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073871 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073876 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073872 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073870 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073873 |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| LOAN INFORMATION | **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** |
| **Customer Loan ID** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** |
| 408070371 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070063 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070061 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070079 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070094 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070230 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070281 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070278 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070054 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071897 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070330 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070162 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073869 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073867 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073868 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073874 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073877 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073871 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073876 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073872 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073870 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073873 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| LOAN INFORMATION | **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** |
| **Customer Loan ID** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** |
| 408070371 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070063 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070061 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070079 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070094 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070230 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070281 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070278 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070054 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071897 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070330 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070162 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073869 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073867 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073868 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073874 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073877 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073871 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073876 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073872 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073870 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073873 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| LOAN INFORMATION | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **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** |
| 408070371 |  |  |  |  |  |  |  |  |  | No | {Redacted} |
| 408070063 |  |  |  |  |  |  |  |  |  | N/A | {Redacted} |
| 408070061 |  |  |  |  |  |  |  |  |  | N/A | {Redacted} |
| 408070079 |  |  |  |  |  |  |  |  |  | N/A | {Redacted} |
| 408070094 |  |  |  |  |  |  |  |  |  | N/A | {Redacted} |
| 408070230 |  |  |  |  |  |  |  |  |  | N/A | {Redacted} |
| 408070281 |  |  |  |  |  |  |  |  |  | N/A | {Redacted} |
| 408070278 |  |  |  |  |  |  |  |  |  | N/A | {Redacted} |
| 408070420 |  |  |  |  |  |  |  |  |  | Yes | {Redacted} |
| 408070054 |  |  |  |  |  |  |  |  |  | N/A | {Redacted} |
| 408071897 |  |  |  |  |  |  |  |  |  | No | {Redacted} |
| 408070330 |  |  |  |  |  |  |  |  |  | N/A | {Redacted} |
| 408070162 |  |  |  |  |  |  |  |  |  | No | {Redacted} |
| 408073869 |  |  |  |  |  |  |  |  |  | No | {Redacted} |
| 408073867 |  |  |  |  |  |  |  |  |  | N/A | {Redacted} |
| 408073868 |  |  |  |  |  |  |  |  |  | N/A |  |
| 408073874 |  |  |  |  |  |  |  |  |  | N/A | {Redacted} |
| 408073877 |  |  |  |  |  |  |  |  |  | N/A | {Redacted} |
| 408073871 |  |  |  |  |  |  |  |  |  | N/A | {Redacted} |
| 408073876 |  |  |  |  |  |  |  |  |  | No | {Redacted} |
| 408073872 |  |  |  |  |  |  |  |  |  | N/A | {Redacted} |
| 408073870 |  |  |  |  |  |  |  |  |  | No | {Redacted} |
| 408073873 |  |  |  |  |  |  |  |  |  | N/A | {Redacted} |

---

![](tm237654d1_ex99-11img001.jpg)

---

| |
|:---|
| **Supplemental Data** |
| **Run Date - 2/20/2023 7:43:30 PM** |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** |
| {Redacted} | 408070371 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $26690.00 | $29891.00 |  | 3.687% | $5298.73 |
| {Redacted} | 408070063 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $11217.25 | $25254.71 |  | 3.100% | $3464.36 |
| {Redacted} | 408070061 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $14647.75 | $13643.15 |  | 3.620% | $3708.67 |
| {Redacted} | 408070079 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $8507.44 | $24336.82 |  | 2.974% | $3422.25 |
| {Redacted} | 408070094 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $24391.25 | $22901.03 |  | 3.711% | $3929.15 |
| {Redacted} | 408070230 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $21618.50 | $19322.60 |  | 3.588% | $6511.15 |
| {Redacted} | 408070281 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $21234.25 | $13571.45 |  | 3.571% | $6809.01 |
| {Redacted} | 408070278 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $9575.80 | $23184.39 |  | 3.131% | $5213.55 |
| {Redacted} | 408070420 | {Redacted} |  | Safe Harbor QM (43-Q) |  | Yes | No | $250.00 | $3714.32 |  | 3.894% | $4909.28 |
| {Redacted} | 408070054 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $0.00 | $14575.04 |  | 3.267% | $3221.39 |
| {Redacted} | 408071897 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | Yes | $24015.00 | $25673.03 |  | 4.135% | $7161.23 |
| {Redacted} | 408070330 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $22062.92 | $22209.01 |  | 3.773% | $5509.10 |
| {Redacted} | 408070162 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $10500.00 | $12271.92 |  | 3.455% | $4642.02 |
| {Redacted} | 408073869 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $57750.00 | $64596.56 |  | 7.326% | $13306.05 |
| {Redacted} | 408073867 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $28258.78 | $36733.27 |  | 6.543% | $6815.99 |
| {Redacted} | 408073868 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $1732.64 | $6336.42 |  | 6.641% | $8769.44 |
| {Redacted} | 408073874 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $19535.20 | $10996.82 |  | 7.343% | $6276.03 |
| {Redacted} | 408073877 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $2970.00 | $3324.93 |  | 7.125% | $5389.75 |
| {Redacted} | 408073871 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $14600.13 | $23546.79 |  | 7.263% | $5931.84 |
| {Redacted} | 408073876 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $2895.00 | $7657.88 |  | 6.648% | $8964.35 |
| {Redacted} | 408073872 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $18483.13 | $22788.17 |  | 6.425% | $6529.69 |
| {Redacted} | 408073870 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $25580.03 | $26394.48 |  | 6.776% | $5688.62 |
| {Redacted} | 408073873 | {Redacted} |  | Safe Harbor QM (APOR) |  | Yes | No | $28037.50 | $32104.21 |  | 6.790% | $6162.67 |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** |
| 408070371 | $5298.73 | {Redacted} | No | No | Employed | Employed |  |  |  |  |
| 408070063 | $3464.36 | {Redacted} | No | No | Employed | Not Employed |  |  |  |  |
| 408070061 | $3708.67 | {Redacted} | No | No | Employed | Employed |  |  |  |  |
| 408070079 | $3422.25 | {Redacted} | No | No | Employed |  |  |  |  |  |
| 408070094 | $3929.15 | {Redacted} | No | No | Not Employed |  |  |  |  |  |
| 408070230 | $6511.15 | {Redacted} | No | No | Employed | Not Employed |  |  |  |  |
| 408070281 | $6809.01 | {Redacted} | No | No | Employed |  |  |  |  |  |
| 408070278 | $5213.55 | {Redacted} | No | No | Employed | Employed |  |  |  |  |
| 408070420 | $4909.28 | {Redacted} | No | No | Employed | Employed |  |  |  |  |
| 408070054 | $3221.39 | {Redacted} | No | No | Employed |  |  |  |  |  |
| 408071897 | $7161.23 | {Redacted} | No | No | Not Employed |  |  |  |  |  |
| 408070330 | $5509.10 | {Redacted} | No | No | Employed |  |  |  |  |  |
| 408070162 | $4642.02 | {Redacted} | No | No | Self-Employed |  |  |  |  |  |
| 408073869 | $13306.05 | {Redacted} | No | No | Self-Employed | Not Employed |  |  |  |  |
| 408073867 | $6815.99 | {Redacted} | No | No | Employed |  |  |  |  |  |
| 408073868 | $8769.44 | {Redacted} | No | No | Employed | Employed |  |  |  |  |
| 408073874 | $6276.03 | {Redacted} | No | No | Employed |  |  |  |  |  |
| 408073877 | $5389.75 | {Redacted} | No | No | Employed | Employed |  |  |  |  |
| 408073871 | $5931.84 | {Redacted} | No | No | Employed |  |  |  |  |  |
| 408073876 | $8964.35 | {Redacted} | No | No | Employed |  |  |  |  |  |
| 408073872 | $6529.69 | {Redacted} | No | No | Self-Employed |  |  |  |  |  |
| 408073870 | $5688.62 | {Redacted} | No | No | Employed | Employed |  |  |  |  |
| 408073873 | $6162.67 | {Redacted} | No | No | Employed | Employed |  |  |  |  |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** |
| 408070371 | US Citizen | US Citizen |  |  |  |  |  |  | $20137.14 |
| 408070063 | US Citizen | US Citizen |  |  |  |  |  |  | $7271.11 |
| 408070061 | US Citizen | US Citizen |  |  |  |  |  |  | $15807.15 |
| 408070079 | US Citizen |  |  |  |  |  |  |  | $8209.64 |
| 408070094 | US Citizen |  |  |  |  |  |  |  | $12180.51 |
| 408070230 | US Citizen | US Citizen |  |  |  |  |  |  | $28852.03 |
| 408070281 | US Citizen |  |  |  |  |  |  |  | $27897.08 |
| 408070278 | US Citizen | US Citizen |  |  |  |  |  |  | $22568.13 |
| 408070420 | US Citizen | US Citizen |  |  |  |  |  |  | $24869.90 |
| 408070054 | US Citizen |  |  |  |  |  |  |  | $21233.59 |
| 408071897 | US Citizen |  |  |  |  |  |  |  | $50423.86 |
| 408070330 | US Citizen |  |  |  |  |  |  |  | $10919.19 |
| 408070162 | US Citizen |  |  |  |  |  |  |  | $21853.41 |
| 408073869 | US Citizen | US Citizen |  |  |  |  |  |  | $41797.09 |
| 408073867 | US Citizen |  |  |  |  |  |  |  | $13135.58 |
| 408073868 | US Citizen | US Citizen |  |  |  |  |  |  | $15793.58 |
| 408073874 | US Citizen |  |  |  |  |  |  |  | $10867.21 |
| 408073877 | US Citizen | US Citizen |  |  |  |  |  |  | $15025.63 |
| 408073871 | US Citizen |  |  |  |  |  |  |  | $17225.24 |
| 408073876 | US Citizen |  |  |  |  |  |  |  | $186986.35 |
| 408073872 | US Citizen |  |  |  |  |  |  |  | $24356.68 |
| 408073870 | US Citizen | US Citizen |  |  |  |  |  |  | $36069.20 |
| 408073873 | US Citizen | US Citizen |  |  |  |  |  |  | $26267.60 |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** |
| 408070371 | 1 | $18513.60 | $1365.00 |  |  |  |  |  | 41.514% | 41.514% | 41.514% | {Redacted} |
| 408070063 | 1 | $4273.44 | $3234.00 |  |  |  |  |  | 38.278% | 38.278% | 38.278% | {Redacted} |
| 408070061 | 1 | $10452.48 | $4652.04 |  |  |  |  |  | 30.726% | 30.726% | 30.726% | {Redacted} |
| 408070079 | 1 | $7590.84 | $890.04 |  |  |  |  |  | 36.973% | 36.973% | 36.973% | {Redacted} |
| 408070094 | 1 | $10827.36 | $5376.00 |  |  |  |  |  | 34.424% | 34.424% | 34.424% | {Redacted} |
| 408070230 | 1 | $13201.08 | $1249.92 |  |  |  |  |  | 40.177% | 40.177% | 40.177% | {Redacted} |
| 408070281 | 1 | $5426.16 | $4149.00 |  |  |  |  |  | 31.528% | 31.528% | 31.528% | {Redacted} |
| 408070278 | 1 | $11498.04 | $2040.96 |  |  |  |  |  | 33.622% | 33.622% | 33.622% | {Redacted} |
| 408070420 | 1 | $13177.56 | $1995.12 |  |  |  |  |  | 29.450% | 29.450% | 29.450% | {Redacted} |
| 408070054 | 1 | $11903.40 | $3374.04 |  |  |  |  |  | 29.221% | 29.221% | 29.221% | {Redacted} |
| 408071897 | 1 | $17158.44 | $3369.72 |  |  |  |  |  | 33.507% | 33.507% | 33.507% | {Redacted} |
| 408070330 | 1 | $15411.48 | $6060.00 |  |  |  |  |  | 43.685% | 43.685% | 43.685% | {Redacted} |
| 408070162 | 1 | $19040.64 | $2483.04 |  |  |  |  |  | 30.249% | 30.249% | 30.249% | {Redacted} |
| 408073869 | 1 | $15286.80 | $5534.04 |  |  |  |  |  | 38.070% | 38.070% | 38.070% | {Redacted} |
| 408073867 | 1 | $18450.00 | $1714.20 |  |  |  |  |  | 44.104% | 44.104% | 44.104% | {Redacted} |
| 408073868 | 1 | $3262.32 | $1809.96 |  |  |  |  |  | 38.266% | 38.266% | 38.266% | {Redacted} |
| 408073874 | 1 | $8050.32 | $7947.96 |  |  |  |  |  | 42.117% | 42.117% | 42.117% | {Redacted} |
| 408073877 | 1 | $16659.12 | $6948.00 |  |  |  |  |  | 44.944% | 44.944% | 44.944% | {Redacted} |
| 408073871 | 1 | $11386.08 | $1908.96 |  |  |  |  |  | 31.099% | 31.099% | 31.099% | {Redacted} |
| 408073876 | 1 | $17428.92 | $21140.04 |  |  |  |  |  | 10.712% | 10.712% | 10.712% | {Redacted} |
| 408073872 | 1 | $9482.76 | $4206.96 |  |  |  |  |  | 33.060% | 33.060% | 33.060% | {Redacted} |
| 408073870 | 1 | $12571.44 | $5256.24 |  |  |  |  |  | 24.761% | 24.761% | 24.761% | {Redacted} |
| 408073873 | 1 | $4253.76 | $5548.20 |  |  |  |  |  | 24.550% | 24.550% | 24.550% | {Redacted} |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** |
| 408070371 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408070063 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408070061 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408070079 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408070094 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408070230 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408070281 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408070278 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408070420 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408070054 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408071897 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408070330 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408070162 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408073869 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408073867 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408073868 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408073874 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408073877 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408073871 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408073876 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408073872 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408073870 | {Redacted} |  |  |  |  |  |  |  |  |  |  |
| 408073873 | {Redacted} |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** |
| 408070371 |  |  |  |  |  |  |  |  |  |  |
| 408070063 |  |  |  |  |  |  |  |  |  |  |
| 408070061 |  |  |  |  |  |  |  |  |  |  |
| 408070079 |  |  |  |  |  |  |  |  |  |  |
| 408070094 |  |  |  |  |  |  |  |  |  |  |
| 408070230 |  |  |  |  |  |  |  |  |  |  |
| 408070281 |  |  |  |  |  |  |  |  |  |  |
| 408070278 |  |  |  |  |  |  |  |  |  |  |
| 408070420 |  |  |  |  |  |  |  |  |  |  |
| 408070054 |  |  |  |  |  |  |  |  |  |  |
| 408071897 |  |  |  |  |  |  |  |  |  |  |
| 408070330 |  |  |  |  |  |  |  |  |  |  |
| 408070162 |  |  |  |  |  |  |  |  |  |  |
| 408073869 |  |  |  |  |  |  |  |  |  |  |
| 408073867 |  |  |  |  |  |  |  |  |  |  |
| 408073868 |  |  |  |  |  |  |  |  |  |  |
| 408073874 |  |  |  |  |  |  |  |  |  |  |
| 408073877 |  |  |  |  |  |  |  |  |  |  |
| 408073871 |  |  |  |  |  |  |  |  |  |  |
| 408073876 |  |  |  |  |  |  |  |  |  |  |
| 408073872 |  |  |  |  |  |  |  |  |  |  |
| 408073870 |  |  |  |  |  |  |  |  |  |  |
| 408073873 |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** |
| 408070371 |  |  |  |  |  |  |  | No | No |  |  |
| 408070063 |  |  |  |  |  |  |  | No | No |  |  |
| 408070061 |  |  |  |  |  |  |  | No | No |  |  |
| 408070079 |  |  |  |  |  |  |  | No | No |  |  |
| 408070094 |  |  |  |  |  |  |  | No | No |  |  |
| 408070230 |  |  |  |  |  |  |  | No | No |  |  |
| 408070281 |  |  |  |  |  |  |  | No | No |  |  |
| 408070278 |  |  |  |  |  |  |  | No | No |  |  |
| 408070420 |  |  |  |  |  |  |  | No | No |  |  |
| 408070054 |  |  |  |  |  |  |  | No | No |  |  |
| 408071897 |  |  |  |  |  |  |  | No | No |  |  |
| 408070330 |  |  |  |  |  |  |  | No | No |  |  |
| 408070162 |  |  |  |  |  |  |  | No | No |  |  |
| 408073869 |  |  |  |  |  |  |  | No | No |  |  |
| 408073867 |  |  |  |  |  |  |  | No | No |  |  |
| 408073868 |  |  |  |  |  |  |  | No | No |  |  |
| 408073874 |  |  |  |  |  |  |  | No | No |  |  |
| 408073877 |  |  |  |  |  |  |  | No | No |  |  |
| 408073871 |  |  |  |  |  |  |  | No | No |  |  |
| 408073876 |  |  |  |  |  |  |  | No | No |  |  |
| 408073872 |  |  |  |  |  |  |  | No | No |  |  |
| 408073870 |  |  |  |  |  |  |  | No | No |  |  |
| 408073873 |  |  |  |  |  |  |  | No | No |  |  |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** |
| 408070371 |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021 | [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |
| 408070063 |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018 | 1 Year Tax Returns |
| 408070061 |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Account Transcripts - 2018<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Account Transcripts - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Account Transcripts - 2018 | Other |
| 408070079 |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018 | Other |
| 408070094 |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2020<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2020<br> [Borrower - \| Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2021 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018 | 1 Year Tax Returns |
| 408070230 |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Account Transcripts - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018 | 2 Years Tax Returns |
| 408070281 |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018 | Other |
| 408070278 |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2018 | 1 Year Tax Returns |
| 408070420 |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |
| 408070054 |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018 | Other |
| 408071897 |  |  |  |  | [Borrower - \| Primary Income - Alimony]; Account Statements - 2022<br> [Borrower - \| Primary Income - Alimony]; Other - 2022<br> [Borrower - \| Primary Income - Alimony]; Other - 2021<br> [Borrower - \| Primary Income - Alimony]; Divorce Decree - 2017 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |
| 408070330 |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2018 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018 | 2 Years Tax Returns |
| 408070162 |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |
| 408073869 |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |
| 408073867 |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021 | [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |
| 408073868 |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Account Transcripts - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Account Transcripts - 2019<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; 4506-C - 2019 | Other |
| 408073874 |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019 | 1 Year Tax Returns |
| 408073877 |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |
| 408073871 |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019 | Other |
| 408073876 |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |
| 408073872 |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019 | 2 Years Tax Returns |
| 408073870 |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; Account Transcripts - 2019<br> [Coborrower]; Account Transcripts - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019 | Other |
| 408073873 |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2019 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019 | 2 Years Tax Returns |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** |
| 408070371 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070063 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070061 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070079 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070094 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070230 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070281 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070278 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070420 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070054 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408071897 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070330 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408070162 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073869 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073867 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073868 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073874 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073877 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073871 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073876 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073872 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073870 |  |  |  |  |  |  |  |  |  |  |  |  |
| 408073873 |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** |
| 408070371 |  |  |  | 0 | 0 | 0 |  |  | Goldman Sachs | $26690.00 |  |
| 408070063 |  |  |  | 0 | 0 | 0 |  |  | Quicken | $11217.25 |  |
| 408070061 |  |  |  | 0 | 0 | 0 |  |  | Quicken | $14647.75 |  |
| 408070079 |  |  |  | 0 | 0 | 0 |  |  | Quicken | $8507.44 |  |
| 408070094 |  |  |  | 0 | 0 | 0 |  |  | Quicken | $24391.25 |  |
| 408070230 |  |  |  | 0 | 0 | 0 |  |  | Quicken | $21618.50 |  |
| 408070281 |  |  |  | 0 | 0 | 0 |  |  | Quicken | $21234.25 |  |
| 408070278 |  |  |  | 0 | 0 | 0 |  |  | Quicken | $9575.80 |  |
| 408070420 |  |  |  | 0 | 0 | 0 |  |  | Cross Country Mortgage | $250.00 |  |
| 408070054 |  |  |  | 0 | 0 | 0 |  |  | Quicken |  |  |
| 408071897 |  |  |  | 0 | 0 | 0 |  |  | CrossCountry Mortgage | $24015.00 |  |
| 408070330 |  |  |  | 0 | 0 | 0 |  |  | Quicken | $22062.92 |  |
| 408070162 |  |  |  | 0 | 0 | 0 |  |  | Quicken | $10500.00 |  |
| 408073869 |  |  |  | 0 | 0 | 0 |  |  |  | $57750.00 |  |
| 408073867 |  |  |  | 0 | 0 | 0 | No |  | Finance of America | $28258.78 |  |
| 408073868 |  |  |  | 0 | 0 | 0 | No |  | Rocket Mortgage | $1732.64 |  |
| 408073874 |  |  |  | 0 | 0 | 0 | No |  | Rocket Mortgage | $19535.20 |  |
| 408073877 |  |  |  | 0 | 0 | 0 | No |  | Rocket Mortgage | $2970.00 |  |
| 408073871 |  |  |  | 0 | 0 | 0 | No |  | Rocket Mortgage | $14600.13 |  |
| 408073876 |  |  |  | 0 | 0 | 0 |  |  |  | $2895.00 |  |
| 408073872 |  |  |  | 1 | 0 | 0 | No |  | Rocket Mortgage | $18483.13 |  |
| 408073870 |  |  |  | 0 | 0 | 0 | Yes |  | Rocket Mortgage | $25580.03 |  |
| 408073873 |  |  |  | 0 | 0 | 0 | No |  | Rocket Mortgage | $28037.50 |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** |
| 408070371 | 3.170% | $0.00 | {Redacted} | DU |  | ApproveIneligible | No | No | {Redacted} | 1 | 0 |
| 408070063 | 3.200% | $0.00 | {Redacted} | DU |  | ApproveIneligible | N/A | No | {Redacted} | 2 | 0 |
| 408070061 | 3.140% | $0.00 | {Redacted} | DU |  | ApproveIneligible | N/A | No | {Redacted} | 2 | 0 |
| 408070079 | 3.200% | $0.00 | {Redacted} | DU |  | ApproveIneligible | N/A | No | {Redacted} | 0 |  |
| 408070094 | 3.100% | $0.00 | {Redacted} | DU |  | ApproveIneligible | N/A | No | {Redacted} | 0 |  |
| 408070230 | 3.160% | $0.00 | {Redacted} | DU |  | ApproveIneligible | N/A | No | {Redacted} | 0 | 0 |
| 408070281 | 3.160% | $26759.00 | {Redacted} | DU |  | ApproveIneligible | N/A | No | {Redacted} | 2 |  |
| 408070278 | 3.160% | $0.00 | {Redacted} | DU |  | ApproveIneligible | N/A | No | {Redacted} | 2 | 1 |
| 408070420 | 3.160% | $0.00 | {Redacted} |  |  |  | Yes | No | {Redacted} | 2 | 2 |
| 408070054 | 3.030% | $0.00 | {Redacted} | DU |  | ApproveIneligible | N/A | No | {Redacted} | 0 |  |
| 408071897 | 3.160% | $0.00 | {Redacted} | LP / LPA |  | Accept | No | No | {Redacted} | 0 |  |
| 408070330 | 3.510% | $0.00 | {Redacted} | DU |  | ApproveIneligible | N/A | No | {Redacted} | 2 |  |
| 408070162 | 3.160% | $0.00 | {Redacted} | DU |  | ApproveIneligible | No | No | {Redacted} | 2 |  |
| 408073869 | 5.950% | $0.00 | {Redacted} | DU |  | ApproveIneligible | No | No | {Redacted} | 0 | 0 |
| 408073867 | 5.620% | $36000.00 | {Redacted} | DU |  | ApproveIneligible | N/A | No | {Redacted} | 1 |  |
| 408073868 | 7.000% | $0.00 | {Redacted} | DU |  | ApproveIneligible | N/A | No | {Redacted} | 2 | 2 |
| 408073874 | 7.000% | $0.00 | {Redacted} | DU |  | ApproveIneligible | N/A | No | {Redacted} | 0 |  |
| 408073877 | 7.030% | $6154.00 | {Redacted} | DU |  | ApproveIneligible | N/A | No | {Redacted} | 2 | 0 |
| 408073871 | 7.030% | $0.00 | {Redacted} |  |  |  | N/A | No | {Redacted} | 1 |  |
| 408073876 | 5.370% | $5000.00 | {Redacted} | DU |  | ApproveIneligible | No | No | {Redacted} | 2 |  |
| 408073872 | 5.280% | $0.00 | {Redacted} | DU |  | ApproveIneligible | N/A | No | {Redacted} | 0 |  |
| 408073870 | 5.730% | $0.00 | {Redacted} | DU |  | ApproveIneligible | No | No | {Redacted} | 0 | 2 |
| 408073873 | 6.090% | $0.00 | {Redacted} | DU |  | ApproveIneligible | N/A | No | {Redacted} | 3 | 3 |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** |
| 408070371 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |
| 408070063 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |
| 408070061 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |
| 408070079 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |
| 408070094 | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |
| 408070230 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |
| 408070281 | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |
| 408070278 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |
| 408070420 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |
| 408070054 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |
| 408071897 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |
| 408070330 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |
| 408070162 | 1 | 0 | 3 | 2 |  |  | 22.00 | No |  |  |  |  |
| 408073869 | 1 | 0 | 3 | 0 |  |  | 20.47 | No |  |  |  |  |
| 408073867 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |
| 408073868 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |
| 408073874 | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |
| 408073877 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |
| 408073871 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |
| 408073876 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |
| 408073872 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |
| 408073870 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |
| 408073873 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** |
| 408070371 |  | Not Stated |  |  |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |
| 408070063 |  | Yes | Mixed | Not Tested |  | {Redacted} | {Redacted} |  |  |  |  |
| 408070061 |  | Yes | Mixed | Not Tested |  | {Redacted} | {Redacted} |  |  |  |  |
| 408070079 |  | Yes | Mixed | Not Tested |  | {Redacted} | {Redacted} |  |  |  |  |
| 408070094 |  | Yes | Mixed | Not Tested |  | {Redacted} | {Redacted} |  |  |  |  |
| 408070230 |  | Yes | Mixed | Not Tested |  | {Redacted} | {Redacted} |  |  |  |  |
| 408070281 |  | Yes | Mixed | Not Tested |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |
| 408070278 |  | Yes | Mixed | Not Tested |  | {Redacted} | {Redacted} |  |  |  |  |
| 408070420 |  |  |  |  |  | {Redacted} | {Redacted} |  |  |  |  |
| 408070054 |  | Yes | Mixed | Not Tested |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |
| 408071897 |  | Not Stated |  |  |  | {Redacted} | {Redacted} |  |  |  |  |
| 408070330 |  | Yes | Mixed | Not Tested |  | {Redacted} | {Redacted} |  |  |  |  |
| 408070162 |  | Yes | Mixed | Not Tested |  | {Redacted} | {Redacted} |  |  |  |  |
| 408073869 |  | Not Stated |  |  |  | {Redacted} | {Redacted} |  | No |  |  |
| 408073867 |  | Not Stated |  |  |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |
| 408073868 |  | Not Stated |  |  |  | {Redacted} | {Redacted} | {Redacted} | No | 9 | 9 |
| 408073874 |  | Not Stated |  |  |  | {Redacted} | {Redacted} | {Redacted} | No | 9 |  |
| 408073877 |  | Not Stated |  |  |  | {Redacted} | {Redacted} |  | No |  | 32 |
| 408073871 |  | Not Stated |  |  |  | {Redacted} | {Redacted} |  | No | 23 |  |
| 408073876 |  | Not Stated |  |  |  | {Redacted} | {Redacted} | {Redacted} |  |  |  |
| 408073872 |  | Not Stated |  |  |  | {Redacted} | {Redacted} | {Redacted} | No |  |  |
| 408073870 |  | Not Stated |  |  |  | {Redacted} | {Redacted} |  | No |  |  |
| 408073873 |  | Not Stated |  |  |  | {Redacted} | {Redacted} | {Redacted} | No |  |  |

---

---

| | | | |
|:---|:---|:---|:---|
| **Customer Loan ID** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** |
| 408070371 |  |  |  |
| 408070063 |  |  |  |
| 408070061 |  |  |  |
| 408070079 |  |  |  |
| 408070094 |  |  |  |
| 408070230 |  |  |  |
| 408070281 |  |  |  |
| 408070278 |  |  |  |
| 408070420 |  |  |  |
| 408070054 |  |  |  |
| 408071897 |  |  |  |
| 408070330 |  |  |  |
| 408070162 |  |  |  |
| 408073869 |  |  |  |
| 408073867 |  |  |  |
| 408073868 |  |  |  |
| 408073874 |  |  |  |
| 408073877 |  |  |  |
| 408073871 |  |  |  |
| 408073876 |  |  |  |
| 408073872 |  |  |  |
| 408073870 |  |  |  |
| 408073873 |  |  |  |

---

![](tm237654d1_ex99-11img001.jpg)

---

| |
|:---|
| **ASF** |
| **Run Date - 2/20/2023 7:43:30 PM** |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Primary Servicer** | **Servicing Fee Percentage** | **Servicing Fee Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Amortization Type** | **Lien Position** | **Heloc Indicator** | **Loan Purpose** | **Cash Out Amount** |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070330 | 1 | 1 | 0 | 3 | {Redacted} |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070162 | 1 | 1 | 0 | 9 | {Redacted} |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070054 | 1 | 1 | 0 | 7 | 0.00 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070061 | 1 | 1 | 0 | 3 | {Redacted} |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070063 | 1 | 1 | 0 | 3 | {Redacted} |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070079 | 1 | 1 | 0 | 4 | {Redacted} |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070094 | 1 | 1 | 0 | 3 | {Redacted} |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070230 | 1 | 1 | 0 | 3 | {Redacted} |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070278 | 1 | 1 | 0 | 9 | 0.00 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070281 | 1 | 1 | 0 | 7 | 0.00 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070371 | 1 | 1 | 0 | 7 | 0.00 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408070420 | 1 | 1 | 0 | 2 | {Redacted} |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408071897 | 1 | 1 | 0 | 3 | {Redacted} |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408073867 | 1 | 1 | 0 | 7 | 0.00 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408073868 | 1 | 1 | 0 | 7 | 0.00 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408073869 | 1 | 1 | 0 | 3 | {Redacted} |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408073870 | 1 | 1 | 0 | 3 | {Redacted} |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408073871 | 1 | 1 | 0 | 3 | {Redacted} |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408073872 | 1 | 1 | 0 | 7 | 0.00 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408073873 | 1 | 1 | 0 | 6 | 0.00 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408073874 | 1 | 1 | 0 | 7 | 0.00 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408073876 | 1 | 1 | 0 | 7 | 0.00 |
| 9999999 | 0.000000 |  | 99 |  | UNK | 408073877 | 1 | 1 | 0 | 7 | 0.00 |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Total Origination and Discount Points in Dollars** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** |
| 408070330 | 21140.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408070162 | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |
| 408070054 | 13160.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408070061 | 10323.75 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408070063 | 21918.75 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408070079 | 22005.09 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408070094 | 20781.25 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408070230 | 14166.50 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |
| 408070278 | 20120.47 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408070281 | 14435.47 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |
| 408070371 | 23600.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408070420 | 1857.76 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408071897 | 22725.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408073867 | 12409.47 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |
| 408073868 | 50002.64 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408073869 | 62220.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408073870 | 23625.03 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |
| 408073871 | 22312.50 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408073872 | 18483.13 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408073873 | 26812.50 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408073874 | 6265.20 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |
| 408073876 | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |
| 408073877 | 1000.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** |
| 408070330 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408070162 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408070054 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408070061 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408070063 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408070079 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408070094 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408070230 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408070278 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408070281 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408070371 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408070420 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408071897 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408073867 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408073868 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408073869 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408073870 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408073871 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408073872 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408073873 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408073874 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408073876 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |
| 408073877 |  |  | {Redacted} | 360 | 360 |  | 2 | 0 | 0 |  |  |  |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** | **ARM Round Flag** | **ARM Rounding Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** |
| 408070330 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408070162 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408070054 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408070061 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408070063 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408070079 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408070094 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408070230 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408070278 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408070281 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408070371 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408070420 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408071897 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408073867 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408073868 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408073869 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408073870 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408073871 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408073872 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408073873 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408073874 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408073876 |  |  | 0 |  |  |  |  |  |  |  |  |  |
| 408073877 |  |  | 0 |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** |
| 408070330 |  |  |  |  |  |  |  |  |  |  |
| 408070162 |  |  |  |  |  |  |  |  |  |  |
| 408070054 |  |  |  |  |  |  |  |  |  |  |
| 408070061 |  |  |  |  |  |  |  |  |  |  |
| 408070063 |  |  |  |  |  |  |  |  |  |  |
| 408070079 |  |  |  |  |  |  |  |  |  |  |
| 408070094 |  |  |  |  |  |  |  |  |  |  |
| 408070230 |  |  |  |  |  |  |  |  |  |  |
| 408070278 |  |  |  |  |  |  |  |  |  |  |
| 408070281 |  |  |  |  |  |  |  |  |  |  |
| 408070371 |  |  |  |  |  |  |  |  |  |  |
| 408070420 |  |  |  |  |  |  |  |  |  |  |
| 408071897 |  |  |  |  |  |  |  |  |  |  |
| 408073867 |  |  |  |  |  |  |  |  |  |  |
| 408073868 |  |  |  |  |  |  |  |  |  |  |
| 408073869 |  |  |  |  |  |  |  |  |  |  |
| 408073870 |  |  |  |  |  |  |  |  |  |  |
| 408073871 |  |  |  |  |  |  |  |  |  |  |
| 408073872 |  |  |  |  |  |  |  |  |  |  |
| 408073873 |  |  |  |  |  |  |  |  |  |  |
| 408073874 |  |  |  |  |  |  |  |  |  |  |
| 408073876 |  |  |  |  |  |  |  |  |  |  |
| 408073877 |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** |
| 408070330 |  |  |  |  |  |  |  |  |  |  |
| 408070162 |  |  |  |  |  |  |  |  |  |  |
| 408070054 |  |  |  |  |  |  |  |  |  |  |
| 408070061 |  |  |  |  |  |  |  |  |  |  |
| 408070063 |  |  |  |  |  |  |  |  |  |  |
| 408070079 |  |  |  |  |  |  |  |  |  |  |
| 408070094 |  |  |  |  |  |  |  |  |  |  |
| 408070230 |  |  |  |  |  |  |  |  |  |  |
| 408070278 |  |  |  |  |  |  |  |  |  |  |
| 408070281 |  |  |  |  |  |  |  |  |  |  |
| 408070371 |  |  |  |  |  |  |  |  |  |  |
| 408070420 |  |  |  |  |  |  |  |  |  |  |
| 408071897 |  |  |  |  |  |  |  |  |  |  |
| 408073867 |  |  |  |  |  |  |  |  |  |  |
| 408073868 |  |  |  |  |  |  |  |  |  |  |
| 408073869 |  |  |  |  |  |  |  |  |  |  |
| 408073870 |  |  |  |  |  |  |  |  |  |  |
| 408073871 |  |  |  |  |  |  |  |  |  |  |
| 408073872 |  |  |  |  |  |  |  |  |  |  |
| 408073873 |  |  |  |  |  |  |  |  |  |  |
| 408073874 |  |  |  |  |  |  |  |  |  |  |
| 408073876 |  |  |  |  |  |  |  |  |  |  |
| 408073877 |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self Employment Flag** | **Current Other Monthly Payment** | **Length of Employment Borrower** | **Length of Employment Co Borrower** | **Years in Home** | **FICO Model Used** |
| 408070330 | 0 |  | 1 | 1 | 0 | 2473.29 | {Redacted} |  | {Redacted} | 1 |
| 408070162 | 0 |  | 2 | 1 | 1 | 1793.64 | {Redacted} |  | {Redacted} | 1 |
| 408070054 | 0 |  | 1 | 1 | 0 | 1480.03 | {Redacted} |  |  | 1 |
| 408070061 | 0 |  | 1 | 2 | 0 | 1258.71 | {Redacted} | {Redacted} | {Redacted} | 1 |
| 408070063 | 0 |  | 1 | 2 | 0 | 625.62 | {Redacted} | 0.00 | {Redacted} | 1 |
| 408070079 | 0 |  | 1 | 1 | 0 | 793.74 | {Redacted} |  | {Redacted} | 1 |
| 408070094 | 0 |  | 1 | 1 | 0 | 1350.28 | {Redacted} |  | {Redacted} | 1 |
| 408070230 | 0 |  | 1 | 2 | 0 | 1244.25 | {Redacted} | 0.00 | {Redacted} | 1 |
| 408070278 | 0 |  | 1 | 2 | 0 | 1169.92 | {Redacted} | {Redacted} | {Redacted} | 1 |
| 408070281 | 0 |  | 2 | 1 | 0 | 797.93 | {Redacted} |  |  | 1 |
| 408070371 | 0 |  | 5 | 2 | 0 | 1656.55 | {Redacted} | {Redacted} |  | 1 |
| 408070420 | 0 |  | 1 | 2 | 0 | 1264.39 | {Redacted} | {Redacted} | {Redacted} | 1 |
| 408071897 | 0 |  | 2 | 1 | 0 | 1710.68 | {Redacted} |  | {Redacted} | 1 |
| 408073867 | 0 |  | 3 | 1 | 0 | 1757.35 | {Redacted} |  |  | 1 |
| 408073868 | 0 |  | 1 | 2 | 0 | 488.36 | {Redacted} | {Redacted} |  | 1 |
| 408073869 | 0 |  | 1 | 2 | 1 | 2204.07 | {Redacted} | 0.00 | {Redacted} | 1 |
| 408073870 | 0 |  | 1 | 2 | 0 | 1485.64 | {Redacted} | {Redacted} | {Redacted} | 1 |
| 408073871 | 0 |  | 1 | 1 | 0 | 1107.92 | {Redacted} |  | {Redacted} | 1 |
| 408073872 | 0 |  | 2 | 1 | 1 | 1240.81 | {Redacted} |  |  | 1 |
| 408073873 | 0 |  | 1 | 2 | 0 | 943.50 | {Redacted} | {Redacted} |  | 1 |
| 408073874 | 0 |  | 1 | 1 | 0 | 1333.19 | {Redacted} |  |  | 1 |
| 408073876 | 0 |  | 2 | 1 | 0 | 3497.41 | {Redacted} |  |  | 1 |
| 408073877 | 0 |  | 1 | 2 | 0 | 2013.09 | {Redacted} | {Redacted} |  | 1 |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** |
| 408070330 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  |
| 408070162 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  |
| 408070054 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  |
| 408070061 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} |
| 408070063 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} |
| 408070079 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  |
| 408070094 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  |
| 408070230 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} |
| 408070278 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} |
| 408070281 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  |
| 408070371 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} |
| 408070420 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} |
| 408071897 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  |
| 408073867 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  |
| 408073868 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} |
| 408073869 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} |
| 408073870 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} |
| 408073871 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  |
| 408073872 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  |
| 408073873 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} |
| 408073874 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  |
| 408073876 |  | {Redacted} | {Redacted} | {Redacted} |  |  |  | {Redacted} |  |
| 408073877 |  | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} | {Redacted} |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Most Recent FICO Method** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** | **Credit Report Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12 Month Pay History** |
| 408070330 | 3 |  |  |  |  | {Redacted} | {Redacted} | 8 | 0.080557 | {Redacted}{Redacted}{Redacted} |
| 408070162 | 3 |  |  |  |  | {Redacted} | {Redacted} | 8 | 0.504196 | {Redacted}{Redacted}{Redacted} |
| 408070054 | 3 |  |  |  |  | {Redacted} | {Redacted} | 10 | 0.020952 | {Redacted}{Redacted}{Redacted} |
| 408070061 | 3 |  |  |  |  | {Redacted} | {Redacted} | 15 | 0.628118 | {Redacted}{Redacted}{Redacted} |
| 408070063 | 3 |  |  |  |  | {Redacted} | {Redacted} | 1 | 0.514375 | {Redacted}{Redacted}{Redacted} |
| 408070079 | 3 |  |  |  |  | {Redacted} | {Redacted} | 4 | 0.041218 | {Redacted}{Redacted}{Redacted} |
| 408070094 | 3 |  |  |  |  | {Redacted} | {Redacted} | 7 | 0.863804 | {Redacted}{Redacted}{Redacted} |
| 408070230 | 3 |  |  |  |  | {Redacted} | {Redacted} | 8 | 0.595158 | {Redacted}{Redacted}{Redacted} |
| 408070278 | 3 |  |  |  |  | {Redacted} | {Redacted} | 11 | 0.305775 | {Redacted}{Redacted}{Redacted} |
| 408070281 | 3 |  |  |  |  | {Redacted} | {Redacted} | 4 | 0.041204 | {Redacted}{Redacted}{Redacted} |
| 408070371 | 3 |  |  |  |  | {Redacted} | {Redacted} | 4 | 0.055942 | {Redacted}{Redacted}{Redacted} |
| 408070420 | 3 |  |  |  |  | {Redacted} | {Redacted} | 2 | 0.000000 | {Redacted}{Redacted}{Redacted} |
| 408071897 | 3 |  |  |  |  | {Redacted} | {Redacted} | 12 | 0.036756 | {Redacted}{Redacted}{Redacted} |
| 408073867 | 3 |  |  |  |  | {Redacted} | {Redacted} | 3 | 0.415759 | {Redacted}{Redacted}{Redacted} |
| 408073868 | 3 |  |  |  |  | {Redacted} | {Redacted} | 2 | 0.100702 | {Redacted}{Redacted}{Redacted} |
| 408073869 | 3 |  |  |  |  | {Redacted} | {Redacted} | 13 | 0.287264 | {Redacted}{Redacted}{Redacted} |
| 408073870 | 3 |  |  |  |  | {Redacted} | {Redacted} | 9 | 0.848814 | {Redacted}{Redacted}{Redacted} |
| 408073871 | 3 |  |  |  |  | {Redacted} | {Redacted} | 5 | 0.500207 | {Redacted}{Redacted}{Redacted} |
| 408073872 | 3 |  |  |  |  | {Redacted} | {Redacted} | 8 | 0.022811 | {Redacted}{Redacted}{Redacted} |
| 408073873 | 3 |  |  |  |  | {Redacted} | {Redacted} | 3 | 0.504924 | {Redacted}{Redacted}{Redacted} |
| 408073874 | 3 |  |  |  |  | {Redacted} | {Redacted} | 5 | 0.009277 | {Redacted}{Redacted}{Redacted} |
| 408073876 | 3 |  |  |  |  | {Redacted} | {Redacted} | 5 | 0.294442 | {Redacted}{Redacted}{Redacted} |
| 408073877 | 3 |  |  |  |  | {Redacted} | {Redacted} | 16 | 0.386931 | {Redacted}{Redacted}{Redacted} |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506T Indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification Level** |
| 408070330 |  |  | {Redacted} |  | {Redacted} |  | {Redacted} | {Redacted} | 1 | 5 |  |
| 408070162 |  |  | {Redacted} |  | {Redacted} |  | 0.00 | {Redacted} | 1 | 5 |  |
| 408070054 |  |  | {Redacted} |  | 0.00 |  | {Redacted} | {Redacted} | 1 | 5 |  |
| 408070061 |  |  | {Redacted} | {Redacted} | 0.00 | 0.00 | {Redacted} | {Redacted} | 1 | 5 | 5 |
| 408070063 |  |  | {Redacted} | 0.00 | 0.00 | 0.00 | {Redacted} | {Redacted} | 1 | 5 | 1 |
| 408070079 |  |  | {Redacted} |  | 0.00 |  | {Redacted} | {Redacted} | 1 | 5 |  |
| 408070094 |  |  | {Redacted} |  | {Redacted} |  | 0.00 | {Redacted} | 1 | 5 |  |
| 408070230 |  |  | {Redacted} | 0.00 | 0.00 | 0.00 | {Redacted} | {Redacted} | 1 | 5 | 1 |
| 408070278 |  |  | {Redacted} | {Redacted} | 0.00 | 0.00 | {Redacted} | {Redacted} | 1 | 5 | 5 |
| 408070281 |  |  | {Redacted} |  | 0.00 |  | {Redacted} | {Redacted} | 1 | 5 |  |
| 408070371 |  |  | {Redacted} | {Redacted} | {Redacted} | 0.00 | {Redacted} | {Redacted} | 1 | 3 | 5 |
| 408070420 |  |  | {Redacted} | {Redacted} | 0.00 | 0.00 | {Redacted} | {Redacted} | 0 | 5 | 5 |
| 408071897 |  |  | {Redacted} |  | {Redacted} |  | 0.00 | {Redacted} | 0 | 3 |  |
| 408073867 |  |  | {Redacted} |  | 0.00 |  | {Redacted} | {Redacted} | 1 | 5 |  |
| 408073868 |  |  | {Redacted} | {Redacted} | 0.00 | 0.00 | {Redacted} | {Redacted} | 1 | 5 | 5 |
| 408073869 |  |  | {Redacted} | 0.00 | {Redacted} | 0.00 | 0.00 | {Redacted} | 0 | 3 | 1 |
| 408073870 |  |  | {Redacted} | {Redacted} | 0.00 | 0.00 | {Redacted} | {Redacted} | 1 | 5 | 5 |
| 408073871 |  |  | {Redacted} |  | 0.00 |  | {Redacted} | {Redacted} | 1 | 5 |  |
| 408073872 |  |  | {Redacted} |  | {Redacted} |  | 0.00 | {Redacted} | 1 | 3 |  |
| 408073873 |  |  | {Redacted} | {Redacted} | {Redacted} | 0.00 | {Redacted} | {Redacted} | 1 | 3 | 5 |
| 408073874 |  |  | {Redacted} |  | {Redacted} |  | {Redacted} | {Redacted} | 1 | 4 |  |
| 408073876 |  |  | {Redacted} |  | 0.00 |  | {Redacted} | {Redacted} | 0 | 5 |  |
| 408073877 |  |  | {Redacted} | {Redacted} | 0.00 | 0.00 | {Redacted} | {Redacted} | 1 | 5 | 5 |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Employment Verification Level** | **Co Borrower Employment Verification Level** | **Borrower Asset Verification Level** | **Co Borrower Asset Verification Level** | **Liquid Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment From Borrower Own Funds** |
| 408070330 | 3 |  | 4 |  | {Redacted} | 8470.39 | 0.436853 |  | 1 |  |
| 408070162 | 3 |  | 4 |  | {Redacted} | 9477.36 | 0.302494 |  | 1 |  |
| 408070054 | 3 |  | 4 |  | {Redacted} | 8766.42 | 0.292214 |  | 1 | 1.000000 |
| 408070061 | 3 | 3 | 4 | 4 | {Redacted} | 7011.01 | 0.307256 |  | 1 |  |
| 408070063 | 3 | 1 | 4 | 1 | {Redacted} | 4509.31 | 0.382780 |  | 1 |  |
| 408070079 | 3 |  | 4 |  | {Redacted} | 4815.99 | 0.369732 |  | 1 |  |
| 408070094 | 1 |  | 4 |  | {Redacted} | 6394.07 | 0.344238 |  | 1 |  |
| 408070230 | 3 | 1 | 4 | 1 | {Redacted} | 19377.25 | 0.401774 |  | 1 |  |
| 408070278 | 3 | 3 | 4 | 4 | {Redacted} | 11431.47 | 0.336224 |  | 1 |  |
| 408070281 | 3 |  | 3 |  | {Redacted} | 12845.14 | 0.315278 |  | 1 | 1.000000 |
| 408070371 | 3 | 3 | 4 | 4 | {Redacted} | 14293.40 | 0.415137 |  | 1 | 1.000000 |
| 408070420 | 3 | 3 | 4 | 4 | {Redacted} | 10381.67 | 0.294502 |  | 1 |  |
| 408071897 | 1 |  | 4 |  | {Redacted} | 25409.47 | 0.335070 |  | 1 |  |
| 408073867 | 3 |  | 4 |  | {Redacted} | 10364.41 | 0.441039 |  | 1 | 1.000000 |
| 408073868 | 3 | 3 | 4 | 4 | {Redacted} | 9789.80 | 0.382663 |  | 1 | 1.000000 |
| 408073869 | 3 | 1 | 4 | 4 | {Redacted} | 25693.99 | 0.380702 |  | 1 |  |
| 408073870 | 3 | 3 | 1 | 3 | {Redacted} | 11870.47 | 0.247613 |  | 1 |  |
| 408073871 | 3 |  | 4 |  | {Redacted} | 7774.76 | 0.310990 |  | 1 |  |
| 408073872 | 3 |  | 4 |  | {Redacted} | 12029.15 | 0.330600 |  | 1 | 1.000000 |
| 408073873 | 3 | 3 | 4 | 4 | {Redacted} | 8547.17 | 0.245504 |  | 1 | 0.843700 |
| 408073874 | 3 |  | 4 |  | {Redacted} | 7907.20 | 0.421169 |  | 1 | 1.000000 |
| 408073876 | 3 |  | 4 |  | {Redacted} | 22433.65 | 0.107123 |  | 1 | 1.000000 |
| 408073877 | 3 | 3 | 2 | 2 | {Redacted} | 12265.68 | 0.449435 |  | 1 | 1.000000 |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model AVM Model Name** |
| 408070330 |  | FL |  | 7 | 1 |  | 0.00 | 3 |  | 0 |
| 408070162 |  | FL |  | 1 | 1 |  | 0.00 | 3 |  | 0 |
| 408070054 |  | PA |  | 7 | 1 |  | 0.00 | 3 |  | 0 |
| 408070061 |  | MA |  | 1 | 1 |  | 0.00 | 3 |  | 0 |
| 408070063 |  | CO |  | 1 | 1 |  | 0.00 | 3 |  | 0 |
| 408070079 |  | WA |  | 7 | 1 |  | 0.00 | 3 |  | 0 |
| 408070094 |  | MD |  | 1 | 1 |  | 0.00 | 3 |  | 0 |
| 408070230 |  | WA |  | 7 | 1 |  | 0.00 | 3 |  | 0 |
| 408070278 |  | WA |  | 7 | 1 |  | 0.00 | 3 |  | 0 |
| 408070281 |  | CO |  | 1 | 1 |  | 0.00 | 3 |  | 0 |
| 408070371 |  | NJ |  | 1 | 1 |  | 0.00 | 3 |  | 0 |
| 408070420 |  | CA |  | 1 | 1 |  | 0.00 | 3 |  | 0 |
| 408071897 |  | FL |  | 1 | 1 |  | 0.00 | 3 |  | 0 |
| 408073867 |  | CA |  | 7 | 1 |  | 0.00 | 3 |  | 0 |
| 408073868 |  | TN |  | 7 | 1 |  | 0.00 | 3 |  | 0 |
| 408073869 |  | FL |  | 7 | 1 |  | 0.00 | 3 |  | 0 |
| 408073870 |  | MN |  | 1 | 1 |  | 0.00 | 3 |  | 0 |
| 408073871 |  | MA |  | 1 | 1 |  | 0.00 | 3 |  | 0 |
| 408073872 |  | NC |  | 7 | 1 |  | 0.00 | 3 |  | 0 |
| 408073873 |  | SC |  | 7 | 1 |  | 0.00 | 3 |  | 0 |
| 408073874 |  | FL |  | 1 | 1 |  | 0.00 | 3 |  | 0 |
| 408073876 |  | OK |  | 7 | 1 |  | 0.00 | 3 |  | 0 |
| 408073877 |  | TX |  | 7 | 1 |  | 0.00 | 3 |  | 0 |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** |
| 408070330 |  | {Redacted} | 9 |  | 0 |  | 0.800000 | 0.800000 | 0.00 |  |
| 408070162 |  | {Redacted} | 9 |  | 0 |  | 0.686275 | 0.686275 | 0.00 |  |
| 408070054 |  |  |  |  | 0 |  | 0.800000 | 0.800000 | 0.00 |  |
| 408070061 |  | {Redacted} | 9 |  | 0 |  | 0.689975 | 0.689975 | 0.00 |  |
| 408070063 |  |  |  |  | 0 |  | 0.668000 | 0.668000 | 0.00 |  |
| 408070079 |  |  |  |  | 0 |  | 0.652365 | 0.652365 | 0.00 |  |
| 408070094 |  |  |  |  | 0 |  | 0.700000 | 0.700000 | 0.00 |  |
| 408070230 |  |  |  |  | 0 |  | 0.763158 | 0.763158 | 0.00 |  |
| 408070278 |  |  |  |  | 0 |  | 0.565380 | 0.565380 | 0.00 |  |
| 408070281 |  | {Redacted} | 10 |  | 0 |  | 0.899900 | 0.899900 | 0.00 |  |
| 408070371 |  | {Redacted} | 9 |  | 0 |  | 0.800000 | 0.800000 | 0.00 |  |
| 408070420 |  | {Redacted} | 9 |  | 0 |  | 0.600000 | 0.600000 | 0.00 |  |
| 408071897 |  | {Redacted} | 9 |  | 0 |  | 0.736739 | 0.736739 | 0.00 |  |
| 408073867 |  |  |  |  | 0 |  | 0.750000 | 0.750000 | 0.00 |  |
| 408073868 |  | {Redacted} | 9 |  | 0 |  | 0.800000 | 0.800000 | 0.00 |  |
| 408073869 |  | {Redacted} | 9 |  | 0 |  | 0.740741 | 0.740741 | 0.00 |  |
| 408073870 |  |  |  |  | 0 |  | 0.681819 | 0.681819 | 0.00 |  |
| 408073871 |  |  |  |  | 0 |  | 0.700000 | 0.700000 | 0.00 |  |
| 408073872 |  | {Redacted} | 9 |  | 0 |  | 0.700000 | 0.700000 | 0.00 |  |
| 408073873 |  | {Redacted} | 9 |  | 0 |  | 0.750000 | 0.750000 | 0.00 |  |
| 408073874 |  |  |  |  | 0 |  | 0.766667 | 0.766667 | 0.00 |  |
| 408073876 |  | {Redacted} | 9 |  | 0 |  | 0.800000 | 0.800000 | 0.00 |  |
| 408073877 |  |  |  |  | 0 |  | 0.800000 | 0.800000 | 0.00 |  |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Mortgage Insurance Percent** | **MI Lender or Borrower Paid** | **Pool Insurance Co Name** | **Pool Insurance Stop Loss Percent** | **MI Certificate Number** | **Updated DTI Front End** | **Updated DTI Back End** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre Modification Interest Note Rate** | **Pre Modification P&I Payment** |
| 408070330 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408070162 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408070054 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408070061 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408070063 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408070079 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408070094 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408070230 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408070278 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408070281 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408070371 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408070420 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408071897 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408073867 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408073868 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408073869 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408073870 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408073871 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408073872 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408073873 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408073874 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408073876 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |
| 408073877 | 0.000000 |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pre Modification Initial Interest Rate Change Downward Cap** | **Pre Modification Subsequent Interest Rate Cap** | **Pre Modification Next Interest Rate Change Date** | **Pre Modification IO Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator Y/N** |
| 408070330 |  |  |  |  |  |  |  |  |  |  |  |
| 408070162 |  |  |  |  |  |  |  |  |  |  |  |
| 408070054 |  |  |  |  |  |  |  |  |  |  |  |
| 408070061 |  |  |  |  |  |  |  |  |  |  |  |
| 408070063 |  |  |  |  |  |  |  |  |  |  |  |
| 408070079 |  |  |  |  |  |  |  |  |  |  |  |
| 408070094 |  |  |  |  |  |  |  |  |  |  |  |
| 408070230 |  |  |  |  |  |  |  |  |  |  |  |
| 408070278 |  |  |  |  |  |  |  |  |  |  |  |
| 408070281 |  |  |  |  |  |  |  |  |  |  |  |
| 408070371 |  |  |  |  |  |  |  |  |  |  |  |
| 408070420 |  |  |  |  |  |  |  |  |  |  |  |
| 408071897 |  |  |  |  |  |  |  |  |  |  |  |
| 408073867 |  |  |  |  |  |  |  |  |  |  |  |
| 408073868 |  |  |  |  |  |  |  |  |  |  |  |
| 408073869 |  |  |  |  |  |  |  |  |  |  |  |
| 408073870 |  |  |  |  |  |  |  |  |  |  |  |
| 408073871 |  |  |  |  |  |  |  |  |  |  |  |
| 408073872 |  |  |  |  |  |  |  |  |  |  |  |
| 408073873 |  |  |  |  |  |  |  |  |  |  |  |
| 408073874 |  |  |  |  |  |  |  |  |  |  |  |
| 408073876 |  |  |  |  |  |  |  |  |  |  |  |
| 408073877 |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Gross Manufacturers Invoice Price** | **LTI Loan to Invoice Gross** | **Net Manufacturers Invoice Price** | **LTI Net** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community Related Party Lender Y/N** | **Defined Underwriting Criteria Y/N** | **Chattel Indicator** |
| 408070330 |  |  |  |  |  |  |  |  |  |  |
| 408070162 |  |  |  |  |  |  |  |  |  |  |
| 408070054 |  |  |  |  |  |  |  |  |  |  |
| 408070061 |  |  |  |  |  |  |  |  |  |  |
| 408070063 |  |  |  |  |  |  |  |  |  |  |
| 408070079 |  |  |  |  |  |  |  |  |  |  |
| 408070094 |  |  |  |  |  |  |  |  |  |  |
| 408070230 |  |  |  |  |  |  |  |  |  |  |
| 408070278 |  |  |  |  |  |  |  |  |  |  |
| 408070281 |  |  |  |  |  |  |  |  |  |  |
| 408070371 |  |  |  |  |  |  |  |  |  |  |
| 408070420 |  |  |  |  |  |  |  |  |  |  |
| 408071897 |  |  |  |  |  |  |  |  |  |  |
| 408073867 |  |  |  |  |  |  |  |  |  |  |
| 408073868 |  |  |  |  |  |  |  |  |  |  |
| 408073869 |  |  |  |  |  |  |  |  |  |  |
| 408073870 |  |  |  |  |  |  |  |  |  |  |
| 408073871 |  |  |  |  |  |  |  |  |  |  |
| 408073872 |  |  |  |  |  |  |  |  |  |  |
| 408073873 |  |  |  |  |  |  |  |  |  |  |
| 408073874 |  |  |  |  |  |  |  |  |  |  |
| 408073876 |  |  |  |  |  |  |  |  |  |  |
| 408073877 |  |  |  |  |  |  |  |  |  |  |

---