# EDGAR Filing Document

**Accession Number:** 0001697970
**File Stem:** 0001999371-25-010533
**Filing Date:** 2025-8
**Character Count:** 1613711
**Document Hash:** 9c16611bca1c51b404d088b229b183ad
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-010533.hdr.sgml**: 20250804

**ACCESSION NUMBER**: 0001999371-25-010533

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

**PUBLIC DOCUMENT COUNT**: 44

**CONFORMED PERIOD OF REPORT**: 20250804

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

**FILED AS OF DATE**: 20250804

**DATE AS OF CHANGE**: 20250804

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Angel Oak Mortgage Trust I, LLC
- **CENTRAL INDEX KEY:** 0001697970

**ORGANIZATION NAME:**
- **EIN:** 816646854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-03251
- **FILM NUMBER:** 251180884

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Angel Oak Mortgage Trust I, LLC
- **CENTRAL INDEX KEY:** 0001697970

**ORGANIZATION NAME:**
- **EIN:** 816646854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

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

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

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

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**FORM ABS-15G**

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**ASSET-BACKED SECURITIZER REPORT**

Pursuant to Section 15G of

the Securities Exchange Act of 1934

**Angel Oak Mortgage Trust I, LLC**

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

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

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

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(Exact name of securitizer as specified in its charter)

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(Commission File Number of securitizer) (Central Index Key Number of securitizer)

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

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

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

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

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

**Angel Oak Mortgage Trust 2025-9**

------

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

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

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

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

**David Gordon, Secretary, (470) 282-4373**

Name and telephone number, including area code of the person

to contact in connection with this filing

**PART I – REPRESENTATION AND WARRANTY INFORMATION**

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

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Not applicable.

---

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

---

Not Applicable.

---

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

---

Not Applicable.

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

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

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

---

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

---

Not Applicable.

**SIGNATURES**

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

---

| | |
|:---|:---|
| **Angel Oak Mortgage Trust I, LLC** | **Angel Oak Mortgage Trust I, LLC** |
| (Depositor) | (Depositor) |
| By: | /s/ Sreeniwas Prabhu |
| Name: | Sreeniwas Prabhu |
| Title: | Manager |

---

Date: August 4, 2025

**EXHIBIT INDEX**

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| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Due Diligence Executive Summary |
| [99.2](ex99-2.htm) | AMC Valuation Summary |
| [99.3](ex99-3.htm) | AMC Exception Grades |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Data Compare Summary |
| [99.6](ex99-6.htm) | AMC Data Compare |
| [99.7](ex99-7.htm) | Canopy Financial Technology Partners LLC ("Canopy") Narrative |
| [99.8](ex99-8.htm) | Canopy Rating Agency Grades Detail Report |
| [99.9](ex99-9.htm) | Canopy Rating Agency Grades Summary Report |
| [99.10](ex99-10.htm) | Canopy Valuation Report |
| [99.11](ex99-11.htm) | Canopy Data Compare Report |
| [99.12](ex99-12.htm) | Clarifii LLC ("Clarifii") Narrative |
| [99.13](ex99-13.htm) | Clarifii Rating Agency Grades Detail Report |
| [99.14](ex99-14.htm) | Clarifii Rating Agency Grades Summary Report |
| [99.15](ex99-15.htm) | Clarifii Data Compare Report |
| [99.16](ex99-16.htm) | Clarifii Valuation Report |
| [99.17](ex99-17.htm) | Consolidated Analytics, Inc. ("Consolidated") Executive Summary |
| [99.18](ex99-18.htm) | Consolidated Due Diligence Report |
| [99.19](ex99-19.htm) | Consolidated Rating Agency Grades |
| [99.20](ex99-20.htm) | Consolidated Valuation Summary Report |
| [99.21](ex99-21.htm) | Consolidated Data Compare Report |
| [99.22](ex99-22.htm) | Incenter Diligence Solutions ("Incenter") Executive Summary |
| [99.23](ex99-23.htm) | Incenter Exception Report |
| [99.24](ex99-24.htm) | Incenter Rating Agency Grades Report |
| [99.25](ex99-25.htm) | Incenter Valuation Summary Report |
| [99.26](ex99-26.htm) | Incenter Tape Compare Report |
| [99.27](ex99-27.htm) | Infinity IPS, Inc. ("Infinity") Executive Summary (Scienna) |
| [99.28](ex99-28.htm) | Infinity Rating Agency Grade (Scienna) |
| [99.29](ex99-29.htm) | Infinity Valuation Report (Scienna) |
| [99.30](ex99-30.htm) | Infinity Loan Level Exception Report (Scienna) |
| [99.31](ex99-31.htm) | Infinity Individual Exception Report (Scienna) |
| [99.32](ex99-32.htm) | Infinity Data Compare Report (Scienna) |
| [99.33](ex99-33.htm) | Infinity Rating Agency Grades Detail Report (LauraMac) |
| [99.34](ex99-34.htm) | Infinity Valuation Report (LauraMac) |
| [99.35](ex99-35.htm) | Infinity Rating Agency Grades Summary Report (LauraMac) |
| [99.36](ex99-36.htm) | Infinity Data Compare Report (LauraMac) |

---

## Exhibit 99.1

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.1**

![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") acquired by Angel Oak Mortgage Fund EU B LLC, the "Client") through its correspondent flow business channel. The Review was conducted on a Loan with an origination of November 2024 through January 2025 via files imaged and provided by the Client or its designee for review. The Review included loans reviewed under the Credit and Compliance Scope (52 mortgage loans).

The securitization transaction referred to as the AOMT 2025-9 transaction (the "Current Securitization") has an aggregate loan population of 52. In total during the Review, AMC reviewed a total of 52 unique mortgage loans for inclusion in the securitization.

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

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for paid-in-full mortgage loans or other items that were not disclosed to AMC. The final population of the Review covered 52 Loan totaling an aggregate original principal balance of $19.981 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

Within this population there were 52 Loans that were reviewed by AMC to nationally recognized statistical rating organizations, NRSRO(s), standards for compliance, credit, and valuation (the "Residential Population").

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

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original LTV |  |

---

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

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

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

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

AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and

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Qualified Mortgage requirements described below, that were provided to AMC. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

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

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

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

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

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

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

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

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

**Fraud Review:** AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the

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origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

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

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

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

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

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

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

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

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

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was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception.

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

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

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

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or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

*Note*: for loans designated as QM – agency eligible, AMC will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

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

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

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

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

**(XI) FIRREA Review**

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

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

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

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

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond

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the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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the Former Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

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

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

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

**(XIII) Document Review**

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

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

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

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

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

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

**(9) Disclaimer.**

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

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional 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

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representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the Form ABS Due Diligence-15E.

**COMPLIANCE RESULTS SUMMARY**

Forty-nine loans (94.23%) subjected to a compliance review received an "A" Compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;49 | &nbsp;&nbsp;94.23% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.77% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Compliance Not Run | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**52** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, forty-four (44) Loans (84.62%) possessed an "A" Credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;44 | &nbsp;&nbsp;84.62% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**52** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;52 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**52** | &nbsp;&nbsp;**100.00%** |

---

**OVERALL RESULTS SUMMARY**

After considering the grading implications of the Credit, and Property/Valuation sections above, 78.85% of the Loans by number in the pool possessed a NRSRO grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;41 | &nbsp;&nbsp;78.85% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;21.15% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**52** | &nbsp;&nbsp;**100.00%** |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 52 Loans reviewed, there were 7 different tape discrepancies. As discussed above, there were 23 data fields included in the tape integrity review. Not all data fields would have been provided on all Loans within the securitization population.

Please note that Investor: Qualifying Total Debt Ratios where the variance was less than 200 basis points were excluded as deltas.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;52 | &nbsp;&nbsp;1.92% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;52 | &nbsp;&nbsp;1.92% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;52 | &nbsp;&nbsp;1.92% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;52 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;52 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;52 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;52 | &nbsp;&nbsp;1.92% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;52 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;52 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**558** | &nbsp;&nbsp;**1.25%** | &nbsp;&nbsp;**52** |

---

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY\***

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;52 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$19981410.25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**52** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19981410.25** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;52 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$19981410.25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**52** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19981410.25** | &nbsp;&nbsp;**100.00%** |

---

12 \| P a g e

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;8 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;$2534276.00 | &nbsp;&nbsp;12.68% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;40 | &nbsp;&nbsp;76.92% | &nbsp;&nbsp;$15525884.25 | &nbsp;&nbsp;77.70% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;$1921250.00 | &nbsp;&nbsp;9.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**52** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19981410.25** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;52 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$19981410.25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**52** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19981410.25** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;16 | &nbsp;&nbsp;30.77% | &nbsp;&nbsp;$5517150.00 | &nbsp;&nbsp;27.61% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;6 | &nbsp;&nbsp;11.54% | &nbsp;&nbsp;$2297526.00 | &nbsp;&nbsp;11.50% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;18 | &nbsp;&nbsp;34.62% | &nbsp;&nbsp;$6025234.25 | &nbsp;&nbsp;30.15% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;9 | &nbsp;&nbsp;17.31% | &nbsp;&nbsp;$4555750.00 | &nbsp;&nbsp;22.80% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.77% | &nbsp;&nbsp;$1585750.00 | &nbsp;&nbsp;7.94% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**52** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19981410.25** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;49 | &nbsp;&nbsp;94.23% | &nbsp;&nbsp;$18403810.25 | &nbsp;&nbsp;92.10% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.77% | &nbsp;&nbsp;$1577600.00 | &nbsp;&nbsp;7.90% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**52** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19981410.25** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Profile** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Full Credit/Compliance | &nbsp;&nbsp;52 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$19981410.25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**52** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19981410.25** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

## Exhibit 99.2

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.2**

---

| |
|:---|
| XXX |
| **Valuation Report** |
| **Run Date - XXX** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXX | XXX | 2025090541 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090539 |  | XXX | XXX |  | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090536 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | -5.263% | XXX | XXX | AVM | Clear Capital | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXX | XXX | 2025090535 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090534 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| XXX | XXX | 2025090532 |  | XXX | XXX |  | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | -8.137% | XXX | XXX | AVM | Clear Capital | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | XXX | 2025090531 |  | XXX | XXX |  | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXX | XXX | 2025090530 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | 0.000% | XXX | XXX | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | XXX | 2025090529 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | 0.000% | XXX | XXX | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | XXX | 2025090527 |  | XXX | XXX |  | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | 0.000% | XXX | XXX | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | XXX | 2025090525 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090521 |  | XXX | XXX |  | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | 0.000% | XXX | XXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXX | XXX | 2025090520 |  | XXX | XXX |  | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXX | XXX | 2025090518 |  | XXX | XXX |  | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXX | XXX | 2025090517 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXX | XXX | 2025090516 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXX | XXX | 2025090514 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090509 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| XXX | XXX | 2025090508 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090506 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | 0.000% | XXX | XXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXX | XXX | 2025090502 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXX | XXX | 2025090501 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | 0.191% | XXX | XXX | AVM | Clear Capital | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.191% | Clear Capital | XXX | XXX |  |  |  | N/A |  | 2.60 |
| XXX | XXX | 2025090497 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | -1.367% | XXX | XXX | AVM | Clear Capital | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.367% | Clear Capital | XXX | XXX |  |  |  | N/A |  |  |
| XXX | XXX | 2025090493 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090492 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXX | XXX | 2025090515 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXX | XXX | 2025090511 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal | XXX |  | XXX | XXX | -3.157% | XXX | XXX | AVM | Clear Capital | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3.157% | Clear Capital | XXX | XXX |  |  |  | N/A |  | 3.00 |
| XXX | XXX | 2025090540 |  | XXX | XXX | XXX | XXX | XXX | 19.231% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | 0.000% | XXX | XXX | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | XXX | 2025090538 |  | XXX | XXX |  | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXX | XXX | 2025090537 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090533 |  | XXX | XXX |  | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXX | XXX | 2025090526 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXX | XXX | 2025090524 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | 0.595% | XXX | XXX | AVM | Clear Capital | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.595% | Clear Capital | XXX | XXX |  |  |  | N/A |  |  |
| XXX | XXX | 2025090523 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090522 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | 0.000% | XXX | XXX | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXX | XXX | 2025090519 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090513 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090512 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | 0.910% | XXX | XXX | AVM | Clear Capital | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.910% | Clear Capital | XXX | XXX |  |  |  | N/A |  |  |
| XXX | XXX | 2025090510 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | -0.018% | XXX | XXX | AVM | Clear Capital | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.018% | Clear Capital | XXX | XXX |  |  |  | N/A |  | 3.90 |
| XXX | XXX | 2025090507 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| XXX | XXX | 2025090505 |  | XXX | XXX |  | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090504 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090503 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090500 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| XXX | XXX | 2025090499 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | -2.019% | XXX | XXX | AVM | Clear Capital | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.019% | Clear Capital | XXX | XXX |  |  |  | No | 4.50 | 3.60 |
| XXX | XXX | 2025090498 |  | XXX | XXX |  | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXX | XXX | 2025090496 |  | XXX | XXX |  | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | -4.023% | XXX | XXX | AVM | Clear Capital | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -4.023% | Clear Capital | XXX | XXX |  |  |  | No |  | 3.60 |
| XXX | XXX | 2025090495 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090494 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  | XXX | XXX | -0.025% | XXX | XXX | AVM | Clear Capital | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.025% | Clear Capital | XXX | XXX |  |  |  | N/A |  | 2.60 |
| XXX | XXX | 2025090491 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090528 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXX | XXX | 2025090436 |  | XXX | XXX | XXX | XXX | XXX | 0.000% | XXX | XXX | XXX | Appraisal | XXX |  | XXX | XXX | 0.000% | XXX | XXX | Field Review | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.3

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.3**

**Exception Grades**

**Run Date - XXX** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXX | XXX | 2025090539 |  | XXX | XXX | XXX | Credit | Credit | XXX Discrepancy / Guidelines Discrepancy | Guideline | XXX/Guideline Findings: All conditions were not met |  | The XXX findings reflected the number of financed properties as XXX, however, there are XXX financed properties. Please provide an updated XXX approval with the correct number of financed XXX. Reserve requirements and any additional XXX findings to be reviewed upon receipt. | The XXX findings reflected the number of financed properties as XXX, however, there are XXX financed properties. Please provide an updated XXX approval with the correct number of financed XXX. Reserve requirements and any additional XXX findings to be reviewed upon receipt. | The XXX findings reflected the number of financed properties as XXX, however, there are XXX financed properties. Please provide an updated XXX approval with the correct number of financed XXX. Reserve requirements and any additional XXX findings to be reviewed upon receipt. | The XXX findings reflected the number of financed properties as XXX, however, there are XXX financed properties. Please provide an updated XXX approval with the correct number of financed XXX. Reserve requirements and any additional XXX findings to be reviewed upon receipt. | Reviewer Comment (XXX): Received updated XXX reflecting XXX financed properties, Exception cleared.<br>Buyer Comment (XXX): Please see attached updated XXX findings. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090536 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX |  |  |  |  | Reviewer Comment (XXX): AVM supporting value was provided. Exception cleared. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D A |  | N/A | No |
| XXX | XXX | 2025090534 |  | XXX | XXX | XXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | XXX Issue: The most recent valuation inspection is dated prior to the most recent XXX. | Most Recent Valuation Inspection Date: XXX <br> Disaster End Date: XXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XXX | Most Recent Valuation Inspection Date: XXX <br> Disaster End Date: XXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XXX | Property inspected post disaster but XXX declaration of XXX end date. | Property inspected XXX but XXX end date. Date of XXX: XXX | XXX,Originator,Aggregator | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX<br>Reviewer Comment (XXX): Inspection completed after the incident start date reflects no damages. XXX meets guidelines. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX<br>Reviewer Comment (XXX): Inspection completed after the incident start date reflects no damages. XXX meets guidelines. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX<br>Reviewer Comment (XXX): Inspection completed after the incident start date reflects no damages. XXX meets guidelines. | XXX | 2 B | XXX | XXX | XXX | XXX | B A |  | N/A | No |
| XXX | XXX | 2025090532 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX |  |  |  |  | Reviewer Comment (XXX): Received AVM supporting value. Exception cleared. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090532 |  | XXX | XXX | XXX | Credit | Guideline | General | Guideline | Origination UW/Approval requirements were not met. |  | The subject investment purchase was submitted to XXX with XXX financed properties however, the borrowers have XXX financed properties. The loan casefile must be resubmitted to XXX with the correct number of financed properties, which may impact the reserves requirement. Upon receipt of the resubmitted XXX, additional conditions may apply. | The subject investment purchase was submitted to XXX with XXX financed properties however, the borrowers have XXX financed properties. The loan casefile must be resubmitted to XXX with the correct number of financed properties, which may impact the reserves requirement. Upon receipt of the resubmitted XXX, additional conditions may apply. | The subject investment purchase was submitted to XXX with XXX financed properties however, the borrowers have XXX financed properties. The loan casefile must be resubmitted to XXX with the correct number of financed properties, which may impact the reserves requirement. Upon receipt of the resubmitted XXX, additional conditions may apply. | The subject investment purchase was submitted to XXX with XXX financed properties however, the borrowers have XXX financed properties. The loan casefile must be resubmitted to XXX with the correct number of financed properties, which may impact the reserves requirement. Upon receipt of the resubmitted XXX, additional conditions may apply. | Reviewer Comment (XXX): Received updated XXX reflecting XXX financed properties, Exception cleared.<br>Buyer Comment (XXX): Please see attached updated XXX.<br>Reviewer Comment (XXX): Received updated XXX still reflects XXX financed properties, Exception remains.<br>Buyer Comment (XXX): Please see attached XXX findings. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090532 |  | XXX | XXX | XXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Subject loan is an investment purchase and XXX qualified the borrower with a XXX account only for the assets. File is missing the XXX Plan Summary to verify the borrower can use the XXX to purchase an investment. Please provide for review. | Subject loan is an investment purchase and XXX qualified the borrower with a XXX account only for the assets. File is missing the XXX Plan Summary to verify the borrower can use the XXX to purchase an investment. Please provide for review. | Subject loan is an investment purchase and XXX qualified the borrower with a XXX account only for the assets. File is missing the XXX Plan Summary to verify the borrower can use the XXX to purchase an investment. Please provide for review. | Subject loan is an investment purchase and XXX qualified the borrower with a XXX account only for the assets. File is missing the XXX Plan Summary to verify the borrower can use the XXX to purchase an investment. Please provide for review. | Reviewer Comment (XXX): Received the XXX plan summary.<br>Buyer Comment (XXX): Please see attached terms of withdrawal. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090530 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position:XXX | The file is missing the secondary valuation required for securitization purposes. | The file is missing the secondary valuation required for securitization purposes. |  |  | Reviewer Comment (XXX): Received the Desk Review which supports the appraised value. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090530 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX, Address: XXX, XXX, XXX Insurance Verification, Statement, Tax Verification<br> Insurance Verification, Statement, Tax Verification | Insurance Verification, Statement and Tax Verification is missing in the file | Insurance Verification, Statement and Tax Verification is missing in the file |  |  | Reviewer Comment (XXX): Received the Loan Estimate as it confirm the anticipated XXX ,Exception Cleared .<br>Buyer Comment (XXX): Please see attached, Despite not yet owning the property, we are taking it into account into the DTI as we anticipate the loan will close. Attached is the loan estimate used to determine the XXX amount, including the insurance.<br>Reviewer Comment (XXX): Confirmation that borrower did not own XXX XXX was not provided.<br>Buyer Comment (XXX): Please see the attached for the updated XXX, 1003 and 1003. Client does not own XXX, XXX, XXX. This is a purchase transaction in process with XXX that has not closed to date. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090530 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, Bakersfield, XXX Insurance Verification, Statement, Tax Verification | Address: XXX, Bakersfield, XXX Insurance Verification, Statement, Tax Verification |  |  |  | Reviewer Comment (XXX): Provided closing disclosure document for XXX, Exception Cleared .<br>Buyer Comment (XXX): Please see the attached XXX | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090529 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX |  |  |  |  | Reviewer Comment (XXX): Received the Desk Review which supports the appraised value. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090529 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX Insurance Verification, Statement, Tax Verification | File is missing all verifications for this investment property to verify the monthly payment and property expenses disclosed in the Final 1003. Please provide for review and upon receipt, additional conditions may apply. | File is missing all verifications for this investment property to verify the monthly payment and property expenses disclosed in the Final 1003. Please provide for review and upon receipt, additional conditions may apply. | File is missing all verifications for this investment property to verify the monthly payment and property expenses disclosed in the Final 1003. Please provide for review and upon receipt, additional conditions may apply. | File is missing all verifications for this investment property to verify the monthly payment and property expenses disclosed in the Final 1003. Please provide for review and upon receipt, additional conditions may apply. | Reviewer Comment (XXX): Received the closing disclosure which confirmed the tax & insurance are XXX, Exception cleared .<br>Buyer Comment (XXX): Please see the attached final closing disclosure for the non-subject property. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090529 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX Insurance Verification, Tax Verification | File is missing all verifications for this investment property to verify the monthly payment and property expenses disclosed in the Final 1003. Please provide for review and upon receipt, additional conditions may apply. | File is missing all verifications for this investment property to verify the monthly payment and property expenses disclosed in the Final 1003. Please provide for review and upon receipt, additional conditions may apply. | File is missing all verifications for this investment property to verify the monthly payment and property expenses disclosed in the Final 1003. Please provide for review and upon receipt, additional conditions may apply. | File is missing all verifications for this investment property to verify the monthly payment and property expenses disclosed in the Final 1003. Please provide for review and upon receipt, additional conditions may apply. | Reviewer Comment (XXX): Received the closing disclosure which confirmed the tax & insurance are XXX, Exception cleared .<br>Buyer Comment (XXX): Please be advised this non-subject transaction has not closed yet, please see attached most recent disclosure to confirm XXX. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090529 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX Insurance Verification, Statement, Tax Verification | File is missing all verifications for this investment property to verify the monthly payment and property expenses disclosed in the Final 1003. Please provide for review and upon receipt, additional conditions may apply. | File is missing all verifications for this investment property to verify the monthly payment and property expenses disclosed in the Final 1003. Please provide for review and upon receipt, additional conditions may apply. | File is missing all verifications for this investment property to verify the monthly payment and property expenses disclosed in the Final 1003. Please provide for review and upon receipt, additional conditions may apply. | File is missing all verifications for this investment property to verify the monthly payment and property expenses disclosed in the Final 1003. Please provide for review and upon receipt, additional conditions may apply. | Reviewer Comment (XXX): Received the closing disclosure which confirmed the tax & insurance are XXX, Exception cleared .<br>Buyer Comment (XXX): Please see the attached final closing disclosure for the non-subject property. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090527 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX | The file is missing the secondary valuation required for securitization purposes. | The file is missing the secondary valuation required for securitization purposes. |  |  | Reviewer Comment (XXX): Received the Desk Review which supports the appraised value. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090527 |  | XXX | XXX | XXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The XXX Policy Effective Date is after closing. | XXX Policy Effective Date XXX, Disbursement Date:XXX |  |  |  |  | Reviewer Comment (XXX): Received Hazard Insurance Policy reflecting Effective Date XXX which is prior to Disbursement date. Exception cleared.<br>Buyer Comment (XXX): Please see the attached for the XXX policy effective at closing. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090521 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX | The file is missing the secondary valuation required for securitization purposes. | The file is missing the secondary valuation required for securitization purposes. |  |  | Reviewer Comment (XXX): XXX provided and supports value, exception cleared. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D A |  | N/A | No |
| XXX | XXX | 2025090517 |  | XXX | XXX | XXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: XXX not provided |  |  |  |  |  | Reviewer Comment (XXX): Received XXX policy with wall in coverage, Exception cleared.<br>Buyer Comment (XXX): Please see attached XXX policy covering betterments and improvements. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090517 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX XXX Verification, Insurance Verification, Statement, Tax Verification | File is missing the final CD to determine XXX for this property. Please provide for review. | File is missing the final CD to determine XXX for this property. Please provide for review. |  |  | Reviewer Comment (XXX): Received final CD confirm XXX of the proproperty, Exception cleared.<br>Buyer Comment (XXX): Please see attached XXX for this property. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090517 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX Statement | The file is missing the mortgage statement for this property. Please provide for review. | The file is missing the mortgage statement for this property. Please provide for review. |  |  | Reviewer Comment (XXX): Received final CD confirm XXX of the proproperty, Exception cleared.<br>Buyer Comment (XXX): Please see attached CD for the recent loan completed on this property. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090517 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX Insurance Verification, Tax Verification | The file is missing the taxes and insurance documentation for this property. Please provide for review. | The file is missing the taxes and insurance documentation for this property. Please provide for review. |  |  | Reviewer Comment (XXX): Received tax cert confirms that property is XXX land hence, XXX is not required, Exception cleared.<br>Buyer Comment (XXX): Attached is the tax statement for this property confirming it to be a XXX lot owned free and clear. There is no XXX on this property. See the taxable value is for land only. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090516 |  | XXX | XXX | XXX | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  |  |  |  |  | Reviewer Comment (XXX): Received XXX policy with wall in coverage, Exception cleared.<br>Buyer Comment (XXX): Please see the XXX policy, attached. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090516 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX Insurance Verification, Statement | The file is missing the mortgage statement and insurance documentation for this property. Please provide for review. | The file is missing the mortgage statement and insurance documentation for this property. Please provide for review. | The file is missing the mortgage statement and insurance documentation for this property. Please provide for review. |  | Reviewer Comment (XXX): Received the Closing disclosure ,Exception cleared .<br>Buyer Comment (XXX): Please see the attached final CD for the property located at XXX, XXX. Loan was in process at the time of the subject closing, and payment used to qualify was based on the amount at the time of final underwrite. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090516 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX Insurance Verification | The file is missing the insurance documentation for this property. Please provide for review. | The file is missing the insurance documentation for this property. Please provide for review. |  |  | Reviewer Comment (XXX): Received tax cert confirms that property is XXX land hence, XXX is not required, Exception cleared.<br>Buyer Comment (XXX): Exception invalid. Please cancel. Property is XXX land. Taxes on page XXX of loan file. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090516 |  | XXX | XXX | XXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: XXX not provided |  |  |  |  |  | Reviewer Comment (XXX): Received XXX policy with wall in coverage, Exception cleared.<br>Buyer Comment (XXX): Please see the XXX policy, attached. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090516 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address:XXX, Statement | The file is missing the mortgage statement for this property. Please provide for review. | The file is missing the mortgage statement for this property. Please provide for review. |  |  | Reviewer Comment (XXX): Received the Closing disclosure ,Exception cleared .<br>Buyer Comment (XXX): Please see the attached final CD for the property located at XXX. Loan was recently closed, therefore mortgage statement was not available at the time of close. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090506 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX | The file was missing the secondary valuation required for securitization purposes. | The file was missing the secondary valuation required for securitization purposes. |  |  | Reviewer Comment (XXX): Desk Review supporting value provided. Exception cleared. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D A |  | N/A | No |
| XXX | XXX | 2025090501 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX |  |  |  |  | Reviewer Comment (XXX): Received the AVM with an XXX of XXX and the AVM value supports the appraised value. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D A |  | N/A | No |
| XXX | XXX | 2025090497 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX | The file is missing the secondary valuation required for securitization purposes. | The file is missing the secondary valuation required for securitization purposes. |  |  | Reviewer Comment (XXX): Received the AVM with an XXX of XXX and the AVM value supports the appraised value. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D B A |  | N/A | No |
| XXX | XXX | 2025090497 |  | XXX | XXX | XXX | Compliance | XXX | Document Error | XXX | Closing Disclosure: Dates are not in XXX order. | Date Issued: XXX Issue Date: XXX; Received Date: XXX; Signed Date: XXX | The borrower appears to have made a typographical error when signing the CD. Date signed was XXX vs closing date per all other documentation of XXX. Please provide supporting documentation from title confirming the date the borrower signed the Closing Disclosure for review. | The borrower appears to have made a typographical error when signing the CD. Date signed was XXX vs closing date per all other documentation of XXX. Please provide supporting documentation from title confirming the date the borrower signed the Closing Disclosure for review. | The borrower appears to have made a typographical error when signing the CD. Date signed was XXX vs closing date per all other documentation of XXX. Please provide supporting documentation from title confirming the date the borrower signed the Closing Disclosure for review. | The borrower appears to have made a typographical error when signing the CD. Date signed was XXX vs closing date per all other documentation of XXX. Please provide supporting documentation from title confirming the date the borrower signed the Closing Disclosure for review. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX.<br> Qualifying DTI of XXX% is XXX% lower than guideline maximum.<br>Buyer Comment (XXX): Seller acknowledges the exception, no change to grading. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX.<br> Qualifying DTI of XXX% is XXX% lower than guideline maximum.<br>Buyer Comment (XXX): Seller acknowledges the exception, no change to grading. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX.<br> Qualifying DTI of XXX% is XXX% lower than guideline maximum.<br>Buyer Comment (XXX): Seller acknowledges the exception, no change to grading. | XXX | 2 B | XXX | XXX | XXX | XXX | D B A |  | N/A | No |
| XXX | XXX | 2025090492 |  | XXX | XXX | XXX | Credit | Asset | Asset Calculation / Analysis | Asset | XXX Findings: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXX is less than XXX Available for Reserves of $XXX. | Reserves were insufficient due to missing documentation to support the secured asset of $XXX as used to qualify. Please provide for review. | Reserves were insufficient due to missing documentation to support the secured asset of $XXX as used to qualify. Please provide for review. | Reserves were insufficient due to missing documentation to support the secured asset of $XXX as used to qualify. Please provide for review. |  | Reviewer Comment (XXX): Provided Closing Disclosure for the funds from the secured assets: Exception Cleared.<br>Buyer Comment (XXX): Please see the final CD for XXX, confirming XXX used to qualify and funds from the secured asset. Please clear all exceptions. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C B A |  | N/A | No |
| XXX | XXX | 2025090492 |  | XXX | XXX | XXX | Credit | Credit | XXX Discrepancy / Guidelines Discrepancy | Guideline | XXX Findings: Qualifying asset balance discrepancy. | Calculated qualifying asset balance of $XXX is less than XXX qualifying asset balance of $XXX. | Funds to close were insufficient due to missing documentation to support the secured asset of $XXX as used to qualify. Please provide for review. | Funds to close were insufficient due to missing documentation to support the secured asset of $XXX as used to qualify. Please provide for review. | Funds to close were insufficient due to missing documentation to support the secured asset of $XXX as used to qualify. Please provide for review. |  | Reviewer Comment (XXX): Provided Closing Disclosure for the funds from the secured assets which covered the closing and reserve requirement : Exception Cleared.<br>Buyer Comment (XXX): Please see the final CD for XXX, confirming XXX used to qualify and funds from the secured asset. Please clear all exceptions. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C B A |  | N/A | No |
| XXX | XXX | 2025090492 |  | XXX | XXX | XXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. | Funds to close were insufficient due to missing documentation to support the secured asset of $XXX as used to qualify. Please provide for review. | Funds to close were insufficient due to missing documentation to support the secured asset of $XXX as used to qualify. Please provide for review. | Funds to close were insufficient due to missing documentation to support the secured asset of $XXX as used to qualify. Please provide for review. |  | Reviewer Comment (XXX): Provided Closing Disclosure for the funds from the secured assets which covered the closing requirement : Exception Cleared.<br>Buyer Comment (XXX): Please see the final CD for XXX, confirming XXX used to qualify and funds from the secured asset. Please clear all exceptions. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C B A |  | N/A | No |
| XXX | XXX | 2025090492 |  | XXX | XXX | XXX | Credit | XXX | Document Error | XXX | The XXX policy is within XXX or XXX and does not reflect a coverage amount (no final XXX policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX<br>Buyer Comment (XXX): Seller acknowledges exception, no change to grading. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX<br>Buyer Comment (XXX): Seller acknowledges exception, no change to grading. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX<br>Buyer Comment (XXX): Seller acknowledges exception, no change to grading. | XXX | 2 B | XXX | XXX | XXX | XXX | C B A |  | N/A | No |
| XXX | XXX | 2025090492 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address:XXX, XXX, XXX Statement | The file is missing the mortgage statement for this property. Please provide for review. | The file is missing the mortgage statement for this property. Please provide for review. |  |  | Reviewer Comment (XXX): Provided Closing Disclosure which reflects XXX : Exception Cleared.<br>Buyer Comment (XXX): Please see the final CD for XXX, confirming XXX used to qualify and funds from the secured asset. Please clear all exceptions. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C B A |  | N/A | No |
| XXX | XXX | 2025090515 |  | XXX | XXX | XXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | XXX Issue: The most recent valuation inspection is dated prior to the most recent XXX. | Most Recent Valuation Inspection Date: XXX <br> Disaster End Date: XXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XXX | Most Recent Valuation Inspection Date: XXX <br> Disaster End Date: XXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XXX | Property inspected post disaster but XXX end date. | Property inspected XXX but XXX end date. Date of XXX: XXX | XXX,Originator | Reviewer Comment (XXX9): Qualifying DTI of XXX% is XXX% lower than guideline maximum.<br>Reviewer Comment (XXX): Appraisal performed after disaster on XXX. No damage reported. | Reviewer Comment (XXX9): Qualifying DTI of XXX% is XXX% lower than guideline maximum.<br>Reviewer Comment (XXX): Appraisal performed after disaster on XXX. No damage reported. | Reviewer Comment (XXX9): Qualifying DTI of XXX% is XXX% lower than guideline maximum.<br>Reviewer Comment (XXX): Appraisal performed after disaster on XXX. No damage reported. | XXX | 2 B | XXX | XXX | XXX | XXX | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | XXX | 2025090515 |  | XXX | XXX | XXX | Credit | Asset | Asset Calculation / Analysis | Asset | XXX Findings: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXX is less than XXX Available for Reserves of $XXX. | Reserves were insufficient due to missing the documentation to verify the large deposit on XXX for $XXX. Please provide documentation for review. | Reserves were insufficient due to missing the documentation to verify the large deposit on XXX for $XXX. Please provide documentation for review. | Reserves were insufficient due to missing the documentation to verify the large deposit on XXX for $XXX. Please provide documentation for review. |  | Reviewer Comment (XXX): Received settlement statement for the sale of the property XXX. to verify the large deposit amount of $XXX. Exception cleared<br>Buyer Comment (XXX): Please see the attached settlement statement from the sale of the clients property at XXX. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | XXX | 2025090515 |  | XXX | XXX | XXX | Credit | Credit | XXX Discrepancy / Guidelines Discrepancy | Guideline | XXX Findings: Qualifying asset balance discrepancy. | Calculated qualifying asset balance of $XXX is less than XXX qualifying asset balance of $XXX. | Funds to close were insufficient due to missing the documentation to verify the large deposit on XXX for $XXX. Please provide documentation for review. | Funds to close were insufficient due to missing the documentation to verify the large deposit on XXX for $XXX. Please provide documentation for review. | Funds to close were insufficient due to missing the documentation to verify the large deposit on XXX for $XXX. Please provide documentation for review. |  | Reviewer Comment (XXX): Received settlement statement for the sale of the property XXX. to verify the large deposit amount of $XXX. Exception cleared<br>Buyer Comment (XXX): Please see the attached settlement statement from the sale of the clients property at XXX. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | XXX | 2025090515 |  | XXX | XXX | XXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. | Funds to close were insufficient due to missing the documentation to verify the large deposit on XXX for $XXX. Please provide documentation for review. | Funds to close were insufficient due to missing the documentation to verify the large deposit on XXX for $XXX. Please provide documentation for review. | Funds to close were insufficient due to missing the documentation to verify the large deposit on XXX for $XXX. Please provide documentation for review. |  | Reviewer Comment (XXX): Received settlement statement for the sale of the property XXX. to verify the large deposit amount of $XXX. Exception cleared<br>Buyer Comment (XXX): Please see the attached settlement statement from the sale of the clients property at XXX. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | XXX | 2025090511 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The 3rd party verification of the borrower's XXX business (XXX) does not have a document date or timestamp. Please provide the 3rd party verification dated no more than XXX calendar days prior to the note date of XXX as required by XXX guidelines. | The 3rd party verification of the borrower's XXX business (XXX) does not have a document date or timestamp. Please provide the 3rd party verification dated no more than XXX calendar days prior to the note date of XXX as required by XXX guidelines. | The 3rd party verification of the borrower's XXX business (XXX) does not have a document date or timestamp. Please provide the 3rd party verification dated no more than XXX calendar days prior to the note date of XXX as required by XXX guidelines. | The 3rd party verification of the borrower's XXX business (XXX) does not have a document date or timestamp. Please provide the 3rd party verification dated no more than XXX calendar days prior to the note date of XXX as required by XXX guidelines. | Reviewer Comment (XXX): Received XXX entity document as third party verification reflects XXX XXX. Exception Cleared.<br>Buyer Comment (XXX): Please see attached timestamped verification for this business. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | XXX | 2025090511 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The 3rd party verification of the borrower's XXX business (XXX) does not have a document date or timestamp. Please provide the 3rd party verification dated no more than XXX calendar days prior to the note date of XXX as required by XXX guidelines. | The 3rd party verification of the borrower's XXX business (XXX) does not have a document date or timestamp. Please provide the 3rd party verification dated no more than XXX calendar days prior to the note date of XXX as required by XXX guidelines. | The 3rd party verification of the borrower's XXX business (XXX) does not have a document date or timestamp. Please provide the 3rd party verification dated no more than XXX calendar days prior to the note date of XXX as required by XXX guidelines. | The 3rd party verification of the borrower's XXX business (XXX) does not have a document date or timestamp. Please provide the 3rd party verification dated no more than XXX calendar days prior to the note date of XXX as required by XXX guidelines. | Reviewer Comment (XXX): Received XXX entity document as third party verification reflects XXX XXX. Exception Cleared.<br>Buyer Comment (XXX): Please see attached timestamped verification for this business. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | XXX | 2025090511 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXX Third Party Verification | The 3rd party verification of the borrower's XXX business (XXX) does not have a document date or timestamp. Please provide the 3rd party verification dated no more than XXX calendar days prior to the note date of XXX as required by XXX guidelines. | The 3rd party verification of the borrower's XXX business (XXX) does not have a document date or timestamp. Please provide the 3rd party verification dated no more than XXX calendar days prior to the note date of XXX as required by XXX guidelines. | The 3rd party verification of the borrower's XXX business (XXX) does not have a document date or timestamp. Please provide the 3rd party verification dated no more than XXX calendar days prior to the note date of XXX as required by XXX guidelines. | The 3rd party verification of the borrower's XXX business (XXX) does not have a document date or timestamp. Please provide the 3rd party verification dated no more than XXX calendar days prior to the note date of XXX as required by XXX guidelines. | Reviewer Comment (XXX): Received XXX entity document as third party verification reflects XXX XXX. Exception Cleared.<br>Buyer Comment (XXX): Please see attached timestamped verification for this business. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | XXX | 2025090511 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX |  |  |  |  | Reviewer Comment (XXX): Received XXX supporting value. Exception cleared. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | XXX | 2025090511 |  | XXX | XXX | XXX | Compliance | Compliance | XXX Compliance | ATR/QM Defect | QM Points and Fees XXX | Qualified Mortgage (XXX): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of XXX% of the XXX Total Loan Amount. Points and Fees total $XXX on a XXX Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .XXX%). | Qualified Mortgage (XXX): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of XXX% of the XXX Total Loan Amount. Points and Fees total $XXX on a XXX Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .XXX%). | Qualified Mortgage (XXX): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of XXX% of the XXX Total Loan Amount. Points and Fees total $XXX on a XXX Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .XXX%). | Qualified Mortgage (XXX): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of XXX% of the XXX Total Loan Amount. Points and Fees total $XXX on a XXX Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .XXX%). | Qualified Mortgage (XXX): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of XXX% of the XXX Total Loan Amount. Points and Fees total $XXX on a XXX Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .XXX%). | Reviewer Comment (XXX): Upon further review this exception has been cleared. The fee names for the real estate admin fee and XXX dues paid by the borrower in Section XXX have been corrected.<br>Buyer Comment (XXX): We are passing the QM points and fees test. The QM loan amount is $XXX for a max allowed of $XXX. The prepaid finance charges are only $XXX. XXX is including section XXX fees which should not be included. Namely the XXX maintenance fee and administration fee. Please re-review and test against the QM loan amount of $XXX | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | XXX | 2025090511 |  | XXX | XXX | XXX | Compliance | Compliance | XXX Compliance | XXX Defect | XXX XXX Percent Tolerance Violation Without Sufficient Cure Provided | XXX Integrated Disclosure: XXX Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus XXX% or $XXX. Insufficient or no cure was provided to the borrower. (XXX) | Ten Percent Fee Tolerance of $XXX exceeds tolerance of $XXX plus XXX% or $XXX, which is an increase of $XXX. Provide a post close CD disclosing the tolerance violation of $XXX, a copy of the refund check, proof of delivery, and a copy of the XXX to the borrowers disclosing the changes made. | Ten Percent Fee Tolerance of $XXX exceeds tolerance of $XXX plus XXX% or $XXX, which is an increase of $XXX. Provide a post close CD disclosing the tolerance violation of $XXX, a copy of the refund check, proof of delivery, and a copy of the XXX to the borrowers disclosing the changes made. | Ten Percent Fee Tolerance of $XXX exceeds tolerance of $XXX plus XXX% or $XXX, which is an increase of $XXX. Provide a post close CD disclosing the tolerance violation of $XXX, a copy of the refund check, proof of delivery, and a copy of the XXX to the borrowers disclosing the changes made. | Ten Percent Fee Tolerance of $XXX exceeds tolerance of $XXX plus XXX% or $XXX, which is an increase of $XXX. Provide a post close CD disclosing the tolerance violation of $XXX, a copy of the refund check, proof of delivery, and a copy of the XXX to the borrowers disclosing the changes made. | Reviewer Comment (XXX): XXX Received Corrected XXX and XXX moving fee to section XXX as borrower shopped for services.<br>Buyer Comment (XXX): Please see attached redisclosure package curing the issue by moving the fees to section XXX as they should have been. They were paid to a non-affiliate service provider and are subject to unlimited tolerance. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXX | XXX | 2025090511 |  | XXX | XXX | XXX | Compliance | Compliance | XXX Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (XXX): Originator Loan Designation of XXX QM (XXX) does not match Due Diligence Loan Designation of QM (XXX) Fail. | Loan designation failure due to the XXX fees. Please confirm the fees considered in testing. | Loan designation failure due to the XXX fees. Please confirm the fees considered in testing. |  |  | Reviewer Comment (XXX): Upon further review this exception has been cleared. The fee names for the real estate admin fee and XXX dues paid by the borrower in Section XXX have been corrected.<br>Buyer Comment (XXX): We are passing the QM points and fees test. The QM loan amount is $XXX for a max allowed of $XXX. The prepaid finance charges are only $XXX. XXX is including section XXX fees which should not be included. Namely the XXX maintenance fee and administration fee. Please re-review and test against the QM loan amount of $XXX | XXX |  |  | 1 B A C | XXX | XXX | XXX | XXX | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXX | XXX | 2025090540 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX | The file is missing the secondary valuation required for securitization purposes. | The file is missing the secondary valuation required for securitization purposes. |  |  | Reviewer Comment (XXX): Desk Review provided. Value of $XXX does not support origination value of $XXX. Subsequent exception set as a result. This exception is cleared. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090540 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX HOA Verification, Insurance Verification, Tax Verification | The file is missing all XXX documentation for this property. Please provide the final CD from the recent transaction with the lender for review. | The file is missing all XXX documentation for this property. Please provide the final CD from the recent transaction with the lender for review. | The file is missing all XXX documentation for this property. Please provide the final CD from the recent transaction with the lender for review. |  | Reviewer Comment (XXX): Received final CD to verify XXX amount. Exception cleared<br>Buyer Comment (XXX): Please see attached XXX for this property. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090540 |  | XXX | XXX | XXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: XXX | Note Date: XXX; Lien Position: XXX |  | The representative FICO score is above XXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXX% and $XXX.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has been employed in the same industry for more than XXX years. | The representative FICO score is above XXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXX% and $XXX.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has been employed in the same industry for more than XXX years. | XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (XXX): Qualifying LTV based on purchase price which is lower value than secondary valuation<br>Reviewer Comment (XXX): Borrower employed for XXX + years | XXX |  |  | 1 A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090538 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower:XXX Third Party Verification | The third party verification of employment for XXX Corp was not timestamped. Please provide evidence of when the lender obtained the verification for review. | The third party verification of employment for XXX Corp was not timestamped. Please provide evidence of when the lender obtained the verification for review. | The third party verification of employment for XXX Corp was not timestamped. Please provide evidence of when the lender obtained the verification for review. |  | Reviewer Comment (XXX): Received the Certificate of good standing with XXX, Exception cleared.<br>Buyer Comment (XXX): Please see attached timestamped XXX for each business. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090538 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The third party verification of employment for XXX XXX was not timestamped. Please provide evidence of when the lender obtained the verification for review. | The third party verification of employment for XXX XXX was not timestamped. Please provide evidence of when the lender obtained the verification for review. | The third party verification of employment for XXX XXX was not timestamped. Please provide evidence of when the lender obtained the verification for review. |  | Reviewer Comment (XXX): Received the Certificate of good standing with XXX, Exception cleared.<br>Buyer Comment (XXX): Please see attached timestamped XXX for each business. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090538 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The third party verification of employment for XXX LLC was not timestamped. Please provide evidence of when the lender obtained the verification for review. | The third party verification of employment for XXX LLC was not timestamped. Please provide evidence of when the lender obtained the verification for review. | The third party verification of employment for XXX LLC was not timestamped. Please provide evidence of when the lender obtained the verification for review. |  | Reviewer Comment (XXX): Received the Certificate of good standing with XXX, Exception cleared.<br>Buyer Comment (XXX): Please see attached timestamped XXX for each business. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090526 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX HOA Verification | Please provide documentation to verify the HOA or other property expenses in the monthly amount of $XXX for the indicated property. | Please provide documentation to verify the HOA or other property expenses in the monthly amount of $XXX for the indicated property. | Please provide documentation to verify the HOA or other property expenses in the monthly amount of $XXX for the indicated property. |  | Reviewer Comment (XXX): Other Insurance document was already in the file for the remaining amount $XXX, Exception Cleared<br>Buyer Comment (XXX): The property on high street has XXX units on the same parcel. XXX, XXX and XXX. All of these documents factor into the DTI calculation; XXX + XXX + XXX = $XXX. Please reveiw | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090524 |  | XXX | XXX | XXX | Credit | Legal / Regulatory / Compliance | XXX Defect | Legal / Regulatory / Compliance | XXX Policy is missing. No evidence of title in file. |  | The file was missing the XXX policy. |  |  |  | Reviewer Comment (XXX): Received the XXX policy ,Exception cleared.<br>Buyer Comment (XXX): Please see attached XXX policy | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090524 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX |  |  |  |  | Reviewer Comment (XXX): AVM received and supports value, exception cleared. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D A C |  | N/A | No |
| XXX | XXX | 2025090523 |  | XXX | XXX | XXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | XXX Issue: The most recent valuation inspection is dated prior to the most recent XXX. | Most Recent Valuation Inspection Date: XXX <br> Disaster End Date: XXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XXX | Most Recent Valuation Inspection Date: XXX <br> Disaster End Date: XXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XXX | The Loan to Value (LTV) on the loan is less than or equal to XXX%. | The Loan to Value (LTV) on the loan is less than or equal to XXX%. | XXX | Reviewer Comment (XXX): XXX months subject XXX asset reserves.<br>Reviewer Comment (XXX): Appraisal completed after the incident start date reflects no damages. Client elects to waive with compensating factors. | Reviewer Comment (XXX): XXX months subject XXX asset reserves.<br>Reviewer Comment (XXX): Appraisal completed after the incident start date reflects no damages. Client elects to waive with compensating factors. | Reviewer Comment (XXX): XXX months subject XXX asset reserves.<br>Reviewer Comment (XXX): Appraisal completed after the incident start date reflects no damages. Client elects to waive with compensating factors. | XXX | 2 B | XXX | XXX | XXX | XXX | B A |  | N/A | No |
| XXX | XXX | 2025090522 |  | XXX | XXX | XXX | Credit | XXX | Document Error | XXX | The Preliminary title policy is within XXX or XXX and does not reflect a coverage amount (no XXX in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX.<br> Qualifying DTI of XXX% is XXX% lower than guideline maximum.<br>Buyer Comment (XXX): Seller acknowledges the exception, no change to grading. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX.<br> Qualifying DTI of XXX% is XXX% lower than guideline maximum.<br>Buyer Comment (XXX): Seller acknowledges the exception, no change to grading. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX.<br> Qualifying DTI of XXX% is XXX% lower than guideline maximum.<br>Buyer Comment (XXX): Seller acknowledges the exception, no change to grading. | XXX | 2 B | XXX | XXX | XXX | XXX | D B A |  | N/A | No |
| XXX | XXX | 2025090522 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX | The file was missing the secondary valuation required for securitization purposes. | The file was missing the secondary valuation required for securitization purposes. |  |  | Reviewer Comment (XXX): CDA provided and supports value, exception cleared. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D B A |  | N/A | No |
| XXX | XXX | 2025090519 |  | XXX | XXX | XXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | XXX Issue: The subject property is located in a XXX that does not have a declared end date. | Disaster Name: XXX<br> Disaster Declaration Date:XXX |  | Property inspected post XXX but XXX end date. | Property inspected XXX but XXX end date. Date of XXX: XXX. | XXX,Originator,Aggregator | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX.<br> Qualifying DTI of XXX% is XXX% lower than guideline maximum.<br>Reviewer Comment (XXX): Appraisal inspection was completed after the incident start date reflects no damages. This meets client guidelines. Client elects to waive with compensating factors. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX.<br> Qualifying DTI of XXX% is XXX% lower than guideline maximum.<br>Reviewer Comment (XXX): Appraisal inspection was completed after the incident start date reflects no damages. This meets client guidelines. Client elects to waive with compensating factors. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX.<br> Qualifying DTI of XXX% is XXX% lower than guideline maximum.<br>Reviewer Comment (XXX): Appraisal inspection was completed after the incident start date reflects no damages. This meets client guidelines. Client elects to waive with compensating factors. | XXX | 2 B | XXX | XXX | XXX | XXX | B A |  | N/A | No |
| XXX | XXX | 2025090513 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXX | XXX or other documentation was not found to verify the borrower's XXX earnings at the prior employment at XXX & XXX (XXX), as required per the XXX. | XXX or other documentation was not found to verify the borrower's XXX earnings at the prior employment at XXX & XXX (XXX), as required per the XXX. | XXX or other documentation was not found to verify the borrower's XXX earnings at the prior employment at XXX & XXX (XXX), as required per the XXX. |  | Reviewer Comment (XXX): Borrower working in same Company however not required prior employment XXX. Exception Cleared.<br>Buyer Comment (XXX): The client has worked with the same employer since XXX but it was broken out as separate employment records as he worked in XXX for XXX XXX from XXX. There are no separate XXX as it was the same employer<br>Buyer Comment (XXX): Pg XXX and Pg XXX contain the XXX and XXX XXX for XXX employment with XXX and XXX Inc | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090512 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX | The file was missing the secondary valuation required for securitization purposes. | The file was missing the secondary valuation required for securitization purposes. |  |  | Reviewer Comment (XXX): Received the AVM with an XXX of XXX and the AVM value supports the appraised value. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D A |  | N/A | No |
| XXX | XXX | 2025090510 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position:XXX | The file was missing the secondary valuation required for securitization purposes. | The file was missing the secondary valuation required for securitization purposes. |  |  | Reviewer Comment (XXX): Received the AVM with an XXX of XXX and the AVM value supports the appraised value. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D A B |  | N/A | No |
| XXX | XXX | 2025090510 |  | XXX | XXX | XXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  | Borrower has verified disposable income of at least $XXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least XXX% and $XXX.<br>The representative FICO score is above XXX. | Borrower has residual income of $XXX per month. | XXX,Originator<br>XXX<br>XXX | Reviewer Comment (XXX): Received replacement cost estimator in file, Exception cleared.<br>Buyer Comment (XXX): Please see attached replacement cost estimator confirming the XXX coverage is sufficient.<br>Reviewer Comment (XXX): Exception is waived per XXX Guidelnes | XXX |  |  | 1 B A | XXX | XXX | XXX | XXX | D A B |  | N/A | No |
| XXX | XXX | 2025090507 |  | XXX | XXX | XXX | Credit | Asset | Asset Calculation / Analysis | Asset | XXX Findings: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXX is less than XXX Available for Reserves of $XXX. | Large deposit to account ending in XXX for $XXX on XXX was not verified. Please provide supporting documentation for this deposit for review. | Large deposit to account ending in XXX for $XXX on XXX was not verified. Please provide supporting documentation for this deposit for review. | Large deposit to account ending in XXX for $XXX on XXX was not verified. Please provide supporting documentation for this deposit for review. |  | Reviewer Comment (XXX): Upon further review this exception has been cleared. Total closing were captured incorrectly.<br>Buyer Comment (XXX): Large deposit was backed out of assets, as allowed, and assets are sufficient. <br>Total Funds Needed for Close = $XXX<br>Qualifying Balance in XXX XXX Large Deposit <br>Excess Reserves = XXX<br>Please cancel exception. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090504 |  | XXX | XXX | XXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | XXX Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of XXX% exceeds XXX total debt ratio of XXX%. | DTI variance is due to subject property having a higher negative cash flow and lower monthly income amount than what the lender used to qualify. | DTI variance is due to subject property having a higher negative cash flow and lower monthly income amount than what the lender used to qualify. | DTI variance is due to subject property having a higher negative cash flow and lower monthly income amount than what the lender used to qualify. |  | Reviewer Comment (XXX): Recieved updated approved XXX with DTI at XXX%, Exception cleared.<br>Buyer Comment (XXX): Please see attached XXX.<br>Reviewer Comment (XXX): The borrower's teacher pay is variable. Diligence has given the best case scenario of all earning trends as income is increasing. XXX is $XXX/month through XXX. $XXX is just the most recent of the variable paychecks and unable to be used as if it's salary. XXX the gross check was for $XXX. Diligence will need a revised XXX approved at XXX% in order to clear this exception.<br>Buyer Comment (XXX): The borrowers official pay rate on their documentation is XXX/month, and their XXX pay is within XXX% of that figure which by our guidelines we are allowed use. Please clear this condition as it is invalid.<br>Reviewer Comment (XXX): EXCEPTION HISTORY - Exception Explanation was updated on XXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXX% exceeds XXX total debt ratio of XXX%.<br>Reviewer Comment (XXX): Received revised XXX policy for the subject. Negative rents now align. Diligence DTI is now at XXX% which is above the XXX allowable (XXX% due to XXX rounding) amount to meet the XXX% DTI as shown on the XXX. This is due to the borrower's calculated income of $XXX which is a XXX average which includes all variable earnings including coaching. XXX is the highest income stream available.<br>Buyer Comment (XXX): XXX: See the attached policy. This policy is the one received most recently by the borrower, this shows a lower HOI payment and thus the income reflected on our documentation is correct.<br>Reviewer Comment (XXX): Diligence confirmed the subject PITIA is $XXX. This aligns with client's final Closing Disclosure and the subject XXX reflected on page XXX of the final 1003. ($XXX P&I, $XXX HO and $XXX property taxes. Exception remains.<br>Buyer Comment (XXX): Subject property negative cash flow is only -$XXX. We agree the subject PITIA is $XXX. The rent is calculated by taking the 1007 value of $XXX and applying a XXX% vacancy factor leaving $XXX for qualifying. $XXX - $XXX. Please reveiw to recalculate subject negative cash flow and DTI.<br>Reviewer Comment (XXX): The subject loan was approved through XXX with a DTI of XXX%. The XXX% tolerance does not apply. The calculated DTI of XXX% exceeds the maximum LP DTI of XXX%, which requires resubmission to XXX. Upon receipt of the resubmitted XXX, additional conditions may apply.<br>Buyer Comment (XXX): This changes the DTI XXX% and is not a material exception. Please review to clear.<br>Reviewer Comment (XXX): Calculated subject property negative cash flow -$XXX is higher than the lender's calculated value -$XXX, Due to this DTI is higher than the Lender's used to qualify. Exception Remains<br>Buyer Comment (XXX): Also, please note that its within the XXX% tolerance so there should not be an issue.<br>Buyer Comment (XXX): Please specify where the discrepancy is stemming from. We used $XXX/month proposed rent as confirmed by the 1007 rent schedule. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C B A |  | N/A | No |
| XXX | XXX | 2025090504 |  | XXX | XXX | XXX | Credit | XXX | Document Error | XXX | The Preliminary title policy is within XXX or XXX and does not reflect a coverage amount (no XXX policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX<br>Buyer Comment (XXX): Seller acknowledges the exception, no change to grading. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX<br>Buyer Comment (XXX): Seller acknowledges the exception, no change to grading. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX<br>Buyer Comment (XXX): Seller acknowledges the exception, no change to grading. | XXX | 2 B | XXX | XXX | XXX | XXX | C B A |  | N/A | No |
| XXX | XXX | 2025090500 |  | XXX | XXX | XXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | XXX Issue: The subject property is located in a XXX that does not have a declared end date. | Disaster Name: XXX<br> Disaster Declaration Date: XXX |  | Property inspected post XXX but XXX end date. | Property inspected XXX but XXX end date. Date of XXX:XXX | XXX,Originator | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX<br>Reviewer Comment (XXX): Appraisal performed after disaster on XXX. No damage reported. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX<br>Reviewer Comment (XXX): Appraisal performed after disaster on XXX. No damage reported. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX<br>Reviewer Comment (XXX): Appraisal performed after disaster on XXX. No damage reported. | XXX | 2 B | XXX | XXX | XXX | XXX | C B A |  | N/A | No |
| XXX | XXX | 2025090500 |  | XXX | XXX | XXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: XXX not provided |  | The subject is located in a XXX project. The file is missing the XXX policy. | The subject is located in a XXX project. The file is missing the XXX policy. |  |  | Reviewer Comment (XXX): Provided XXX policy for the subject property: Exception Cleared.<br>Buyer Comment (XXX): please see attached | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C B A |  | N/A | No |
| XXX | XXX | 2025090499 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX | The file was missing the secondary valuation required for securitization purposes. | The file was missing the secondary valuation required for securitization purposes. |  |  | Reviewer Comment (XXX): Received the AVM with an FSD of XXX and the AVM value supports the appraised value. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D A |  | N/A | No |
| XXX | XXX | 2025090496 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX | The file was missing the secondary valuation required for securitization purposes. | The file was missing the secondary valuation required for securitization purposes. |  |  | Reviewer Comment (XXX): Received AVM supporting value. Exception cleared. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D B A |  | N/A | No |
| XXX | XXX | 2025090496 |  | XXX | XXX | XXX | Compliance | Compliance | XXX Compliance | XXX | XXX Appraisal - Appraisal Not Provided at or Before Closing (XXX-Day Waiver In File) | XXX Valuations Rule (XXX): Borrower waived right to receive a copy of the appraisal at least XXX (XXX) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXX) | Verification of the borrower's receipt of the appraisal was missing from the file. | Verification of the borrower's receipt of the appraisal was missing from the file. |  |  | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX<br>Buyer Comment (XXX): Seller acknowledges exception, no change to grading. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX<br>Buyer Comment (XXX): Seller acknowledges exception, no change to grading. | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX<br>Buyer Comment (XXX): Seller acknowledges exception, no change to grading. | XXX | 2 B | XXX | XXX | XXX | XXX | D B A |  | N/A | No |
| XXX | XXX | 2025090494 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX Statement | The file was missing the Final Closing Disclosure from the recent transaction on this property. Please provide the final CD confirming the XXX as considered. | The file was missing the Final Closing Disclosure from the recent transaction on this property. Please provide the final CD confirming the XXX as considered. | The file was missing the Final Closing Disclosure from the recent transaction on this property. Please provide the final CD confirming the XXX as considered. |  | Reviewer Comment (XXX): Received the closing disclosure which confirmed the XXX, Exception cleared .<br>Buyer Comment (XXX): please see attached | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | D B C A |  | N/A | No |
| XXX | XXX | 2025090494 |  | XXX | XXX | XXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXX | Note Date: XXX; Lien Position: XXX |  |  |  |  | Reviewer Comment (XXX): Received AVM supporting value. Exception cleared. | XXX |  |  | 1 D A | XXX | XXX | XXX | XXX | D B C A |  | N/A | No |
| XXX | XXX | 2025090494 |  | XXX | XXX | XXX | Compliance | Compliance | XXX Compliance | XXX | XXX Appraisal - Appraisal Not Provided at or Before Closing (XXX-Day Waiver In File) | XXX Valuations Rule (XXX): Borrower waived right to receive a copy of the appraisal at least XXX (XXX) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXX) | XXX Valuations Rule (XXX): Borrower waived right to receive a copy of the appraisal at least XXX (XXX) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXX) | XXX Valuations Rule (XXX): Borrower waived right to receive a copy of the appraisal at least XXX (XXX) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXX) | XXX Valuations Rule (XXX): Borrower waived right to receive a copy of the appraisal at least XXX (XXX) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XXX) |  | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX.<br> Qualifying DTI of XXX% is XXX% lower than guideline maximum.<br>Buyer Comment (XXX): Seller accepts with no change in grading | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX.<br> Qualifying DTI of XXX% is XXX% lower than guideline maximum.<br>Buyer Comment (XXX): Seller accepts with no change in grading | Reviewer Comment (XXX): FICO of XXX is over XXX compared to minimum qualifying of XXX.<br> Qualifying DTI of XXX% is XXX% lower than guideline maximum.<br>Buyer Comment (XXX): Seller accepts with no change in grading | XXX | 2 B | XXX | XXX | XXX | XXX | D B C A |  | N/A | No |
| XXX | XXX | 2025090491 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX Statement | The file is missing the mortgage statement for this property. Please provide for review. | The file is missing the mortgage statement for this property. Please provide for review. |  |  | Reviewer Comment (XXX): Provided 1003 ,1008 and XXX documents , Exception Cleared<br>Buyer Comment (XXX): Please see the attached for the updated 1003, 1008, AUS and property documentation. Client does not own this home, loan was in process with XXX but did not close. | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090528 |  | XXX | XXX | XXX | Compliance | Compliance | XXX Compliance | XXX Defect | XXX Revised Loan Estimate Timing Before Closing | XXX Integrated Disclosure: Revised Loan Estimate provided on XXX not received by borrower at least XXX (XXX) business days prior to closing. (Interim/XXX) | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  | Reviewer Comment (XXX): SitusAMC received proof of earlier electronic receipt<br>Buyer Comment (XXX): Please be advised the XXX meets the mailbox rule and therefore meetings the timing requirements.<br>Reviewer Comment (XXX): Provided documentation is missing identifying characteristics for the XXX and both XXX. Please confirm, based on response that the XXX and the first XXX were not provided to the borrower and provide identifying characteristics of the XXX for proper testing.<br>Buyer Comment (XXX): please see attached | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | XXX | 2025090528 |  | XXX | XXX | XXX | Compliance | Compliance | XXX Compliance | XXX Defect | XXX Revised Loan Estimate Timing Before Closing | XXX Integrated Disclosure: Revised Loan Estimate provided on XXX not received by borrower at least XXX (XXX) business days prior to closing. (Interim/XXX) | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  | Reviewer Comment (XXX): SitusAMC received proof of earlier electronic receipt<br>Buyer Comment (XXX): Please be advised the XXX meets the mailbox rule and therefore meetings the timing requirements.<br>Reviewer Comment (XXX): Provided documentation is missing identifying characteristics for the XXX and both XXX. Please confirm, based on response that the XXX and the first XXX were not provided to the borrower and provide identifying characteristics of the XXX for proper testing.<br>Buyer Comment (XXX): please see attached | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | XXX | 2025090528 |  | XXX | XXX | XXX | Compliance | Compliance | XXX Compliance | XXX Defect | XXX Revised Loan Estimate Timing Before Closing | XXX Integrated Disclosure: Revised Loan Estimate provided on XXX not received by borrower at least XXX (XXX) business days prior to closing. (Interim/XXX) | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  | Reviewer Comment (XXX): SitusAMC received proof of earlier electronic receipt<br>Buyer Comment (XXX): Please see attached evidence the borrower viewed the XXX.<br>Reviewer Comment (XXX): Provided documentation is missing identifying characteristics for the XXX and both XXX. Please confirm, based on response that the XXX and the first XXX were not provided to the borrower and provide identifying characteristics of the 11/1 LEs for proper testing.<br>Buyer Comment (XXX): please see attached | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXX | XXX | 2025090436 |  | XXX | XXX | XXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (XXX): Received and associated Final 1003 document. Exception cleared.<br>Buyer Comment (XXX): See uploaded final XXX | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090436 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX Statement | Missing statements to verify XXX. |  |  |  | Reviewer Comment (XXX): Received and associated Closing Disclosure and First Payment Letter for XXX. Exception cleared.<br>Buyer Comment (XXX): .<br>Buyer Comment (XXX1): See Uploaded First Payment letter and Final CD for XXX | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090436 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX Statement | Mortgage statement was not provided. |  |  |  | Reviewer Comment (XXX): Received and associated Closing Disclosure and First Payment Letter for XXX. Exception cleared.<br>Buyer Comment (XXX): .<br>Buyer Comment (XXX): See Uploaded First Payment letter and Final CD for XXX | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090436 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address:XXX, XXX, XXX Tax Verification | Missing Tax Verification |  |  |  | Reviewer Comment (XXX): Received and associated Tax verification for the property XXX, XXX. Exception cleared.<br>Buyer Comment (XXX): See Uploaded Tax verification for XXX | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |
| XXX | XXX | 2025090436 |  | XXX | XXX | XXX | Credit | Income / Employment | Income Documentation | Missing Document | XXX Documents are missing. | Address: XXX, XXX, XXX Tax Verification | Missing Tax Verification |  |  |  | Reviewer Comment (XXX): Received and associated Tax verification for the property at XXX, XXX. Exception cleared.<br>Buyer Comment (XXX): See Uploaded Tax verification for XXX | XXX |  |  | 1 C A | XXX | XXX | XXX | XXX | C A |  | N/A | No |

---

## Exhibit 99.4

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.4**

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - XXX** |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXX | XXX | 2025090541 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090539 |  | XXX | XXX C | A | A | C | A | A | A | A |  |
| XXX | XXX | 2025090536 |  | XXX | XXX A | A | D | D | A | A | A | A |  |
| XXX | XXX | 2025090535 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090534 |  | XXX | XXX B | A | A | B | B | A | A | B |  |
| XXX | XXX | 2025090532 |  | XXX | XXX C | A | D | D | A | A | A | A |  |
| XXX | XXX | 2025090531 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090530 |  | XXX | XXX C | A | D | D | A | A | A | A |  |
| XXX | XXX | 2025090529 |  | XXX | XXX C | A | D | D | A | A | A | A |  |
| XXX | XXX | 2025090527 |  | XXX | XXX C | A | D | D | A | A | A | A |  |
| XXX | XXX | 2025090525 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090521 |  | XXX | XXX A | A | D | D | A | A | A | A |  |
| XXX | XXX | 2025090520 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090518 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090517 |  | XXX | XXX C | A | A | C | A | A | A | A |  |
| XXX | XXX | 2025090516 |  | XXX | XXX C | A | A | C | A | A | A | A |  |
| XXX | XXX | 2025090514 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090509 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090508 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090506 |  | XXX | XXX A | A | D | D | A | A | A | A |  |
| XXX | XXX | 2025090502 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090501 |  | XXX | XXX A | A | D | D | A | A | A | A |  |
| XXX | XXX | 2025090497 |  | XXX | XXX A | B | D | D | A | B | A | B |  |
| XXX | XXX | 2025090493 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090492 |  | XXX | XXX C | A | A | C | B | A | A | B |  |
| XXX | XXX | 2025090515 |  | XXX | XXX C | A | A | C | B | A | A | B |  |
| XXX | XXX | 2025090511 |  | XXX | XXX C | C | D | D | A | A | A | A |  |
| XXX | XXX | 2025090540 |  | XXX | XXX C | A | D | D | A | A | A | A |  |
| XXX | XXX | 2025090538 |  | XXX | XXX C | A | A | C | A | A | A | A |  |
| XXX | XXX | 2025090537 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090533 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090526 |  | XXX | XXX C | A | A | C | A | A | A | A |  |
| XXX | XXX | 2025090524 |  | XXX | XXX C | A | D | D | A | A | A | A |  |
| XXX | XXX | 2025090523 |  | XXX | XXX B | A | A | B | B | A | A | B |  |
| XXX | XXX | 2025090522 |  | XXX | XXX B | A | D | D | B | A | A | B |  |
| XXX | XXX | 2025090519 |  | XXX | XXX B | A | A | B | B | A | A | B |  |
| XXX | XXX | 2025090513 |  | XXX | XXX C | A | A | C | A | A | A | A |  |
| XXX | XXX | 2025090512 |  | XXX | XXX A | A | D | D | A | A | A | A |  |
| XXX | XXX | 2025090510 |  | XXX | XXX B | A | D | D | A | A | A | A |  |
| XXX | XXX | 2025090507 |  | XXX | XXX C | A | A | C | A | A | A | A |  |
| XXX | XXX | 2025090505 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090504 |  | XXX | XXX C | A | A | C | B | A | A | B |  |
| XXX | XXX | 2025090503 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090500 |  | XXX | XXX C | A | A | C | B | A | A | B |  |
| XXX | XXX | 2025090499 |  | XXX | XXX A | A | D | D | A | A | A | A |  |
| XXX | XXX | 2025090498 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090496 |  | XXX | XXX A | B | D | D | A | B | A | B |  |
| XXX | XXX | 2025090495 |  | XXX | XXX A | A | A | A | A | A | A | A |  |
| XXX | XXX | 2025090494 |  | XXX | XXX C | B | D | D | A | B | A | B |  |
| XXX | XXX | 2025090491 |  | XXX | XXX C | A | A | C | A | A | A | A |  |
| XXX | XXX | 2025090528 |  | XXX | XXX A | C | A | C | A | A | A | A |  |
| XXX | XXX | 2025090436 |  | XXX | XXX C | A | A | C | A | A | A | A |  |

---

## Exhibit 99.5

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.5**

**Data Compare Summary (Total)**

**Run Date - XXX**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Zip | 0 | 52 | 0.00% | 52 |
| Amortization Term | 1 | 52 | 1.92% | 52 |
| Borrower Qualifying FICO | 0 | 51 | 0.00% | 52 |
| Amortization Type | 1 | 52 | 1.92% | 52 |
| Property Type | 1 | 52 | 1.92% | 52 |
| Occupancy | 0 | 52 | 0.00% | 52 |
| Purpose | 0 | 52 | 0.00% | 52 |
| Original CLTV | 0 | 52 | 0.00% | 52 |
| Original LTV | 0 | 52 | 0.00% | 52 |
| Investor: Qualifying Total Debt Ratio | 1 | 52 | 1.92% | 52 |
| Refi Purpose | 0 | 12 | 0.00% | 52 |
| Coborrower Qualifying FICO | 0 | 16 | 0.00% | 52 |
| City | 0 | 1 | 0.00% | 52 |
| State | 0 | 1 | 0.00% | 52 |
| Original Loan Amount | 0 | 1 | 0.00% | 52 |
| First Payment Date | 0 | 1 | 0.00% | 52 |
| Original Term | 1 | 1 | 100.00% | 52 |
| Maturity Date | 0 | 1 | 0.00% | 52 |
| Original Interest Rate | 0 | 1 | 0.00% | 52 |
| Representative FICO | 0 | 1 | 0.00% | 52 |
| Lien Position | 1 | 1 | 100.00% | 52 |
| Appraised Value | 0 | 1 | 0.00% | 52 |
| Contract Sales Price | 1 | 1 | 100.00% | 52 |
| **Total** | **7** | **558** | **1.25%** | **52** |

---

## Exhibit 99.6

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.6**

**Data Compare**

**Run Date - XXX**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX | XXX | 2025090491 |  |  | Investor: Qualifying Total Debt Ratio | XXX | XXX | Verified | provide updated 103, 1008 and XXX verified DTI is XXX |
| XXXX | XXX | 2025090436 |  |  | Original Term |  | XXX | Verified | Field Value reflects the Note value |
| XXXX | XXX | 2025090436 |  |  | Amortization Term |  | XXX | Verified | Field Value reflects Amortization Term per Note |
| XXXX | XXX | 2025090436 |  |  | Amortization Type |  | XXX | Verified | Field Value reflects Amortization Type per Note |
| XXXX | XXX | 2025090436 |  |  | Property Type | XXX | XXX | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXX | 2025090436 |  |  | Lien Position |  | XXX | Verified | Field Value reflects Lien Position per the Note |
| XXXX | XXX | 2025090436 |  |  | Contract Sales Price |  | XXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |

---

## Exhibit 99.7

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.7**

![](ex997001.jpg)

**NARRATIVE**

**AOMT 2025-9**

**By Canopy Financial Technology Partners LLC on July 30, 2025**

Canopy Financial Technology Partners LLC

<u>cwheeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

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

![](ex997001.jpg)

**Description of Services** 

Canopy Financial Technology Partners LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Angel Oak Mortgage Fund EU B LLC (the "Client"). The Review was conducted from March 2025 to May 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of three (3) Loans with an aggregate principal balance of $960,000.

**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 (NRSRO's), S&P Global Ratings and Kroll Bond Rating Agency, LLC.

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** |  |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;DSCR (when applicable) | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |

---

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

![](ex997001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 120+ | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio (when applicable) | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

● Assets and Reserves;

● DTI (when applicable);

● DSCR (when applicable);

● Gross Income (when applicable);

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

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

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

● Borrower(s) employment history;

● Citizenship and eligibility;

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

![](ex997001.jpg)

● First time home buyer status;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

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

● Installment and revolving payment history;

● Mortgage/rental payment history;

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

● Number of tradelines; and

● Representative Credit Score and Methodology.

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

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

● IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

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

● Borrower identity:

● Social Security inconsistencies

● Borrower name variations

● Employment

● Licensing – reviewed NMLS data for:

● Mortgage lender/originator

● Loan officer

● Occupancy:

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

![](ex997001.jpg)

● Borrower address history

● Subject property ownership history

● 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:

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

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

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

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

● Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines.

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

**Document Review**

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

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● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

● Post-Consummation Closing Disclosure (PC-CD) [if applicable].

**Business Purpose Validation (when applicable)**

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

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

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

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds

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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's review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 of the Structured Finance Association (SFA) TRID
 Compliance Review Scope ("TRID Grid 4.0");

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

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**Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below.

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

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.

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

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

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

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

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

**Valuation Review**

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

● 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.

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

***Independent third-party values***

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

**Valuation Reconciliation Process:**

● If a Desk Review, or other acceptable review product, was provided supporting the origination appraised value within a -10% variance and acceptable confidence score, no additional products were required.

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

**Agency Eligible Loans:**

● For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered an AVM or Desk Review. If the CU Score was less than or equal to 2.5, no further review product was required based on market acceptance of Agency Eligible Loans.

● For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered an AVM or Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no further review product was required based on market acceptance of Agency Eligible Loans.

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

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| | |
|:---|:---|
| &nbsp;&nbsp;**Final Event Grade** | &nbsp;&nbsp;**Final Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |

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

---

---

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

---

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

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![](ex997001.jpg)

**C** The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms

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

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 100.00% (3 loans) have an overall grade of "A", and zero loans (0) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 100.00%, or three (3) mortgage loans reviewed, and zeros loans (0) have an overall grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, or three (3) mortgage loans reviewed, and zero loans (0) have an overall grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, or three (3) mortgage loans reviewed, and zero loans (0) have an overall grade of "B".

**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;3 | &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;**3** | &nbsp;&nbsp;**100.00%** |

---

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

![](ex997001.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;3 | &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;**3** | &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;3 | &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;**3** | &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;3 | &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;**3** | &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;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$960000.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$960000.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$960000.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$960000.00** |

---

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

![](ex997001.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 other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$846000.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$114000.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$960000.00** |
| &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;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$960000.00 |
| &nbsp;&nbsp;361 - 420 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$960000.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$960000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$960000.00** |

---

**DATA COMPARISON RESULTS**

Of the three (3) mortgage loan files reviewed, zero (0) unique loans (0.00% by number) had tape comparison discrepancies across all data fields.

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

![](ex997001.jpg)

**Disclaimer**

 

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

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

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

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

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

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

## Exhibit 99.8

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 2025090490 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025090368 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025090356 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  |  |

---

## Exhibit 99.9

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.9**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2025090490 |  |  | XXX A |
| 2025090368 |  |  | XXX A |
| 2025090356 |  |  | XXX A |

---

## Exhibit 99.10

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2025090490 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1025 XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090368 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |
| 2025090356 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXX |

---

## Exhibit 99.11

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.11**

---

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

---

## Exhibit 99.12

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.12**

![](ex9912001.jpg)

**EXECUTIVE SUMMARY**

**AOMT 2025-9**

**By Clarifii LLC on July 29, 2025**

AOMT 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](ex9912001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Christine Aug** | &nbsp;&nbsp;**Jason Luttenberger** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Vice President of Due Diligence | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; President and Chief Operating Officer |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Phone: 813.735.4487 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Phone: 917.742.7797 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; E-mail: Christine.Aug@Clarifii.com | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; E-mail: Jason.Luttenberger@Clarifii.com |

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 125 Loans (the "Loans") originated by a correspondent lender and acquired by Angel Oak Mortgage Fund EU B LLC (the "Client") for the AOMT 2025-9 transaction. The Loans referenced in this narrative report were reviewed between 12/2024 to 06/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;19 | &nbsp;&nbsp;15.20% | &nbsp;&nbsp;$11470618.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;31 | &nbsp;&nbsp;24.80% | &nbsp;&nbsp;$19384200.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.40% | &nbsp;&nbsp;$2062000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;72 | &nbsp;&nbsp;57.60% | &nbsp;&nbsp;$41266569.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$74183387.00** |

---

The Review consisted of a population of 125 Loans, with an aggregate principal balance of $74,183,387.00.

**CLARIFII'S THIRD PARTY REVIEW (TPR) SCOPE OF WORK**

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency loan level review standards in place as of the date of the review.

**LOAN SAMPLING**

The Clients defined the sample size and requested Clarifii to perform a random sample of the Loans to be included in the Review. To Clarifii's knowledge, the Review covered 100% of the transaction Loan population.

The Review was conducted consistent with the criteria for the Nationally Recognized Statistical Rating Organizations ("NRSROs") specified below:

AOMT 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](ex9912001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019; Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025<br>|
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Origination FICO |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium |
| &nbsp;&nbsp;Monthly Property Tax Amount |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |

---

AOMT 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](ex9912001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

Clarifii reviewed each Loan file to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria, or other requirements provided by Clients, including, as applicable, Ability to Repay and Qualified Mortgage requirements. The Credit Qualification review consisted of the following:

● **Loan Attributes** 

To determine borrower program eligibility, Clarifii verified the following Loan attributes and, where applicable, recalculated based on the information provided:

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

– Loan to Value Ratio (LTV) and Combined Loan to Value Ratio (CLTV)

– Monthly Debt

– Occupancy

– Property Type

– Qualifying principal, interest, tax, insurance, and association dues (PITIA)

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

AOMT 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

![](ex9912001.jpg)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

– A credit report or alternative credit history as applicable to Loan type is present for each borrower

– Bankruptcy and foreclosure seasoning

– Captured the monthly consumer debt payments for use in the applicable DTI calculation

– Installment and revolving payment history

– Mortgage/Rental payment history

– Verified and reviewed Real Estate Owned, Office of Foreign Assets Control (OFAC) search, and Fraud Alerts

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

When applicable, Clarifii determined whether all supporting documentation as required by the guidelines and Ability to Repay/Qualified Mortgage Rule (ATR/QM) were complete and accurate. The documentation was used to verify whether the income used to qualify the Loan was calculated in accordance with the guidelines. Documentation verified employment and income were deemed acceptable if it was a third-party document as required by the guidelines and ATR when applicable and may include:

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

● **Fraud Review** 

For all Loans, Clarifii utilized the results from an independent, third-party fraud tool as well as information in the Loan file to identify and address any potential misrepresentations including:

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– Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Social
 Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 name variations

– Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 property ownership history

– Employment

– Licensing verification with the Nationwide Multistate Licensing System & Registry (NMLS):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 officer

OFAC

● **Asset Review** 

Clarifii assessed whether the asset documentation required by the guidelines and ATR, when applicable, was present in the Loan file and within required timeframe. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

– Other evidence of conveyance and transfer of funds if a sale of assets was involved

– Other documentation in Loan file

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

● **Property** **Insurance and Taxes** 

Clarifii confirmed the presence of the insurance and tax information for the following:

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

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

Confirmed that the premium amount on both the hazard and flood insurance match figures from the DTI calculations

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

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

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

Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

Clarifii reviewed each Loan file, when applicable, and verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Compliance verification and validation that each mortgage Loan met the relevant provisions of:

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

**Truth in Lending Act (TILA)**, as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026

**Real Estate Settlement Procedures Act (RESPA)**, 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

**TILA/RESPA Integrated Disclosure Testing (TRID)**

Reviewed and compared LEs and CDs with a report outlining any TILA violations, including a recalculation of disclosed finance charges, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charges, amount financed, recalculation of disclosed APR and a review to determine if disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes. Testing was conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID Grid 3.0" v.12/05/2019).

**Right of Rescission** 

Reviewed the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensured proper execution of the Notice of Right to Cancel by all required parties, verified the disbursement date and determined if a full three (3) day rescission period was provided to the borrower(s). The appropriate Model Form was tested according to applicable U.S. Court of Appeals, Circuit Court rulings.

**Qualified Mortgage and Ability to Repay**

Reviewed to ensure the 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.

**Real Estate Settlement Procedures Act (RESPA)/Regulation X**

Reviewed to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing

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Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

● **State and Local Anti-Predatory Requirements** 

The following is an itemization of the current and historical state and local anti-predatory lending requirements, considered customary in secondary market due diligence compliance testing and reviewed by Clarifii:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 reflects correct address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 application address is different from subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 executed by all borrowers

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

– Occupancy Letter (must state that borrower(s) will not reside in the property

– HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

– If property is in a flood zone, Flood Notice must be provided prior to closing

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

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– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

With respect to QM (Safe Harbor and Rebuttable Presumption) designated Loans, Clarifii reviewed the Loan to determine whether, based on available information in the Loan file, (i) the Loan contained risky Loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceeded the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review included a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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

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

**ABILITY TO REPAY (ATR)**

Clarifii reviewed 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 focused on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

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

Clarifii reviewed Loans to determine their conformity with the ATR/QM factors above, and did not render an independent assessment or opinion, warranty or represent that a Loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR, or other status based on any additional or revised factors that

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may be considered by legislative, regulatory, administrative, or judicial authorities (Authorities). Clarifii does not represent or warrant that the factors for which it has reviewed that the Loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a Loan.

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

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

**VALUATION REVIEW**

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** <br> Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** <br> Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

● In the event the Desk Review process yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish the supported value, unless guidelines allowed for the use of the lower Desk Review or Broker Price Opinion value for purpose of LTV/CLTV/HCLTV.

**Uniform Collateral Data Portal (UCDP) Risk Score:**

● For Loans with a Fannie Mae Collateral Underwriter Score (CU), if an CU Score was available and the CU Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by Clarifii. If the CU Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

● For Loans with a Freddie Mac Loan Collateral Advisor Score (LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or

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ordered by Clarifii. If the LCA Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score \*** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |

---

**DUE DILIGENCE GRADING CRITERIA** 

Upon completion of the Loan file due diligence review, Clarifii assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, clients, and rating agency requirements.

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

| | |
|:---|:---|
| **A** | The Loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the Loan is documented and reasonable. |

---

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---

| | |
|:---|:---|
| **B** | The Loan materially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the Loan is documented and reasonable. |
| **C** | The Loan does not materially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets, or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the Loan were not documented or are unreasonable. |
| **D** | There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

AOMT 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 15

![](ex9912001.jpg)

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;86 | &nbsp;&nbsp;68.80% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;39 | &nbsp;&nbsp;31.20% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;102 | &nbsp;&nbsp;81.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;23 | &nbsp;&nbsp;18.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;124 | &nbsp;&nbsp;99.20% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.80% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;108 | &nbsp;&nbsp;86.40% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;13.60% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** |

---

AOMT 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

![](ex9912001.jpg)

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.80% | &nbsp;&nbsp;$532000.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;124 | &nbsp;&nbsp;99.20% | &nbsp;&nbsp;$73651387.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$74183387.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;50 | &nbsp;&nbsp;40.00% | &nbsp;&nbsp;$37085022.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;$3529000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;70 | &nbsp;&nbsp;56.00% | &nbsp;&nbsp;$33569365.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$74183387.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;70 | &nbsp;&nbsp;56.00% | &nbsp;&nbsp;$42390326.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;55 | &nbsp;&nbsp;44.00% | &nbsp;&nbsp;$31793061.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$74183387.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;125 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$74183387.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$74183387.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.80% | &nbsp;&nbsp;$1430000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;124 | &nbsp;&nbsp;99.20% | &nbsp;&nbsp;$72753387.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$74183387.00** |

---

**DATA COMPARE RESULTS**

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

AOMT 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

![](ex9912001.jpg)

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy <br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;125 | &nbsp;&nbsp;99.20% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Origination FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;26 | &nbsp;&nbsp;66 | &nbsp;&nbsp;60.61% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;124 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;125 | &nbsp;&nbsp;99.20% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;122 | &nbsp;&nbsp;99.18% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;7 | &nbsp;&nbsp;125 | &nbsp;&nbsp;94.40% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;125 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;124 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;124 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;118 | &nbsp;&nbsp;94.07% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;125 | &nbsp;&nbsp;98.40% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;3 | &nbsp;&nbsp;125 | &nbsp;&nbsp;97.60% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;125 | &nbsp;&nbsp;94.40% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;3 | &nbsp;&nbsp;124 | &nbsp;&nbsp;97.58% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;6 | &nbsp;&nbsp;124 | &nbsp;&nbsp;95.16% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;123 | &nbsp;&nbsp;95.93% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;20 | &nbsp;&nbsp;60 | &nbsp;&nbsp;66.67% |

---

AOMT 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](ex9912001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;65 | &nbsp;&nbsp;96.92% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;122 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;124 | &nbsp;&nbsp;99.19% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report/Executive Summary

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Rating Agency Grade Detail and Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Rating Agency ATR/QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplement Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Business Purpose Supplement Data Extract Report

**Disclaimer**

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

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

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

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

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2025 Clarifii LLC. All rights reserved.

AOMT 2025-9 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

## Exhibit 99.13

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 2025090440 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client provided a waiver for property being listed, applied to non material finding with comp factors - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Exception approval email - Buyer-XXX<br> Open-Property Issues are identified for the property 1008 reflects Exception was approved for the fact borrower listed subject property for sale within the past XXX months. (exception not showing on file) - Due Diligence Vendor-XXX |  | Waived-Client provided a waiver for property being listed, applied to non material finding with comp factors - Due Diligence Vendor-XXX | DSCR =/> XXX and minimum is XXX or Less - DSCR XXX, Min .XXX<br> Months Reserves exceed minimum required - XXX mths reserves; XXX mths required. | XXX% LTV < XXX% maximum allowed.<br> XXX months reserves > XXX months minimum required. | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090440 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Satisfactory XXX not Provided | Resolved-Received XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Open-XXX provided. Missing XXX. - Due Diligence Vendor-XXX |  | Resolved-Received chain of Title - Due Diligence Vendor-XXX | DSCR =/> XXX and minimum is XXX or Less - DSCR XXX, Min .XXX<br> Months Reserves exceed minimum required - XXX mths reserves; XXX mths required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090440 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Certificate - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Flood cert - Buyer-XXX<br> Open-Missing Flood Certificate Missing Flood Cert - Due Diligence Vendor-XXX |  | Resolved-Received Flood Certificate - Due Diligence Vendor-XXX | DSCR =/> XXX and minimum is XXX or Less - DSCR XXX, Min .XXX<br> Months Reserves exceed minimum required - XXX mths reserves; XXX mths required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090440 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-Desk Review supporting the appraised value with a XXX% variance. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. cda - Buyer-XXX<br> Open-XXX product CU scored a 3XXX1. Provide adequate XXX. - Due Diligence Vendor-XXX |  | Resolved-Desk Review supporting the appraised value with a XXX% variance. - Due Diligence Vendor-XXX | DSCR =/> XXX and minimum is XXX or Less - DSCR XXX, Min .XXX<br> Months Reserves exceed minimum required - XXX mths reserves; XXX mths required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090488 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-After re-review, appraiser notes all utilities were on and the photos reflect the upper units were complete. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Seller rebuttal - Buyer-XXX<br> Open-Property Issues are identified for the property Missing full XXX inspection to confirm that all XXX units construction are habitable. XXX show subject recently underwent considerable renovations to the units. The appraisal was marked "As Is" for completion status; however, the XXX depict various XXX , with XXX. Although there is a XXX, it only addresses XXX renovations completed but there are XXX units. Missing documentation that confirms all XXX units are completed with XXX, XXX and equipment removed and all utilities are in working order and habitable - Due Diligence Vendor-XXX |  | Resolved-After re-review, appraiser notes all utilities were on and the photos reflect the upper units were complete. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves: XXX Min XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090487 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client provided a waiver for XXX bank statements with XXX account holder, applied to non material finding with reviewed comp factors. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Exception request and approval - Buyer-XXX<br> Counter--Exception approval required for additional account holder on XXX bank statements. - Due Diligence Vendor-XXX<br> Open-Income documentation does not meet guidelines. Borrower has a accountant on XXX bank statements. This is not allowed per guidelines, as the only person allowed on XXX statements is a XXX. An exception is required to allow the accountant/CPA on XXX bank statements. - Due Diligence Vendor-XXX |  | Waived-Client provided a waiver for XXX bank statements with non-spouse account holder, applied to non material finding with reviewed comp factors. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV is less than guideline maximum of XXX%<br> Months Reserves exceed minimum required - XXX Months Reserves exceed minimum required of XXX months | XXX% LTV < XXX% maximum allowed.<br> XXX FICO > XXX minimum required. | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090487 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved--Rec'd Sett Stmt for sale of other XXX to confirm large $XXX deposit from sale of property and excess deposit returned; finding resolved. - Due Diligence Vendor-XXX<br> Counter-Received XXX for large deposits showing $XXX deposit from XXX Refi; please provide correct XXX and XXX for sale of property to evidence this deposit. $XXX proceeds and $XXX excess deposit return. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Rebuttal Uploaded - Buyer-XXX <br> Open-Missing explanation and supporting documentation for large deposit(s) in the amount of <br> 1. XXX<br> 2.XXX<br> - Due Diligence Vendor-XXX |  | Resolved--Rec'd Sett Stmt for sale of other XXX to confirm large $XXX deposit from sale of property and excess deposit returned; finding resolved. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV is less than guideline maximum of XXX%<br> Months Reserves exceed minimum required - XXX Months Reserves exceed minimum required of XXX months |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090487 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved--DTI is XXX% after excluding a portion of large deposit confirmed to be an excess deposit refund for $XXX; finding resolved. - Due Diligence Vendor-XXX<br> Counter-Unfortunately, we do not have enough evidence this is predictable income. While the borrower is experienced in XXX, we do not have enough documentation to support on going deposits of this amount, as it well outside of the other deposits. It also appears the borrower may have lost money on the XXX. Finding remains. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. documents sent from the lender merged and uploaded for review. - Due Diligence Vendor-XXX<br> Counter-Received the XXX of state for XXX showing XXX as the XXX for this XXX. Missing XXX to XXX bank statement, does not show a history of such deposit (total deposit exceeding $XXX, occurred only XXX times in XXX months). Explanation and supporting documentation still required. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Attached is the XXX of state for XXX showing XXX as the sole owner for this entity. - Buyer-XXX<br> Counter-Documents provided are contradicting:<br>1. Large deposit of $XXX: original clarification provided stated funds where from C/O refi of XXX (which made funds ineligible as income). New clarification and documents received states funds are proceeds from sale of one of these XXX. Seller on settlement statement lists a business that audit is unable to tie to borrower. Also, no documentation or business narrative was provided to support the nature of the borrower's business and to validate that borrower is a XXX.<br>2. Large deposit of $XXX, clarification states "Borrower has numerous large deposits. For this business- The bank statement we found it to make sense for the large deposits and not ask for additional information." However, Audit's review of XXX to XXX bank statement, does not show a history of such deposit (total deposit exceeding $XXX, occurred only XXX times in XXX months). Explanation and supporting documentation still required.<br> - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX<br> Open-Audited DTI of XXX% exceeds Guideline DTI of XXX% \*New\* Per XXX, excluded $XXX as it was proceeds of a cash out refinance of an XXX and is not considered income. - Due Diligence Vendor-XXX |  | Resolved--DTI is XXX% after excluding a portion of large deposit confirmed to be an excess deposit refund for $XXX; finding resolved. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV is less than guideline maximum of XXX%<br> Months Reserves exceed minimum required - XXX Months Reserves exceed minimum required of XXX months |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090437 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received XXX for wage employment - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Attached the XXX for Borrower XXX for XXX. - Buyer-XXX<br> Counter-XXX has wage earner income in addition to XXX income. Please provide the XXX days XXX for XXX . - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. the XXX borrower is XXX and we have a cpa letter in the file within XXX Calendar days prior to the note date. This should be cancelled. Attached the XXX Letter. - Buyer-XXX<br> Open-Borrower 2 3rd Party VOE Prior to Close Missing. XXX provided is > XXX days from close - Due Diligence Vendor-XXX |  | Resolved-Received XXX for wage employment - Due Diligence Vendor-XXX | Residual Income =/> XXX times $XXX monthly residual income - $XXX monthly residual income, $XXX monthly residual income required<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090485 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional post close assets. Used the balance as of closing on XXX. Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Updated 1003 with XXX Addition. / Borrower XXX% Owner of XXX. / XXX Total. / XXX. / XXX .<br>- Buyer-XXX<br> Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) XXX (XXX) months reserves required. Short assets/reserves of $XXX. - Due Diligence Vendor-XXX |  | Resolved-Received additional post close assets. Used the balance as of closing on XXX. Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; Max XXX%.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying Credit Score XXX; Minimum required XXX. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090435 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received updated Note and Mortgage reflecting XXX month XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX<br> Open-XXX and addendum to Note states XXX is for XXX months , final CD reflects XXX for XXX months. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX | Resolved-Received updated Note and Mortgage reflecting XXX month XXX. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090435 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | XXX Policy is Missing | Resolved-Received the XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Open-Missing XXX Missing XXX XXX page - Due Diligence Vendor-XXX |  | Resolved-Received the XXX Policy. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090435 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | XXX coverage is not sufficient | Resolved-Received the XXX. - Due Diligence Vendor-XXX<br> Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-XXX |  | Resolved-Received the XXX. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090435 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received the Legal Description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX | Resolved-Received the Legal Description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090435 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received the Business Entity Formation Document. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. business entity - XXX=XXX% - Buyer-XXX<br> Open-The Business Entity Formation Document is Missing Percentage of ownership documentation not provided and missinf XXX number - Due Diligence Vendor-XXX |  | Resolved-Received the XXX Entity Formation Document. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090434 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received XXX providing the XXX . - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. The application doesnt feild to include this information so the borrower provide in an XXX<br> - Seller-XXX<br> Counter-Application is missing the borrower's XXX and length of time at residence. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Loan app we use thats been approved by XXX in lieu of 1003 - Seller-XXX<br> Open-Initial and Final Loan applications are missing. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. The application doesnt feild to include this information so the borrower provide in an email<br> - Seller-XXX<br> Ready for Review-Document Uploaded. Loan app we use thats been approved by XXX in lieu of 1003 - Seller-XXX | Resolved-Received XXX providing the primary residence. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX>XXX<br> Months Reserves exceed minimum required - XXX>XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090434 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Flood Cert - Buyer-XXX<br> Open-Missing Flood Certificate Missing flood certificate - additional conditions may apply - Due Diligence Vendor-XXX |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX>XXX<br> Months Reserves exceed minimum required - XXX>XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090434 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | XXX Policy is Missing | Resolved-Received XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Insurance docs<br> - Seller-XXX<br> Ready for Review-Document Uploaded. Insurance docs - Seller-XXX<br> Open-Missing XXX Missing XXX - additional conditions may apply - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Insurance docs<br> - Seller-XXX<br> Ready for Review-Document Uploaded. Insurance docs - Seller-XXX | Resolved-Received XXX - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX>XXX<br> Months Reserves exceed minimum required - XXX>XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090434 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-XXX to the Note was provided. - Due Diligence Vendor-XXX<br> Counter-Per instructions from XXX and Addendum to the Note and the XXX for the Mortgage is required. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX to DOT LOX - Seller-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Mortgage is Open-Ended, Missing XXX. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX rider to DOT LOX - Seller-XXX | Resolved-XXX rider to the Note was provided. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX>XXX<br> Months Reserves exceed minimum required - XXX>XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090476 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Satisfactory XXX not Provided | Resolved-Received correct XXX and XXX reflecting. XXX has been provided - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Prelim with XXX and XXX to prelim revised - Buyer-XXX<br> Open-XXX provided. Missing full XXX Month XXX. XXX is incomplete, shows XXX in XXX not XXX or borrower. - Due Diligence Vendor-XXX |  | Resolved-Received correct preliminary title-vesting and chain of title reflecting. Satisfactory XXX has been provided - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves: XXX Min XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> DSCR % greater than XXX - DSCR: XXX Min XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090476 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received correct XXX for subject property reflecting vesting and XXX included. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Prelim with XXX and XXX to prelim revised - Buyer-XXX<br> Open-Title Document is Incomplete Missing full XXX, only XXX page/Sch A of preliminary report provided, other schedules missing. - Due Diligence Vendor-XXX |  | Resolved-Received correct XXX report for subject property reflecting vesting and all schedules included. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves: XXX Min XXX<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> DSCR % greater than XXX - DSCR: XXX Min XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090484 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Investor waiver - Buyer-XXX<br> Counter-Received commentary from the appraiser regarding no restrictions for using subject as a short term rental. However due to using Short-term rent to qualify, guidelines require a XXX month lookback period documented, and a XXX showing active online listing. In addition due to a XXX a LTV reduction of XXX% must also be factored and a lender exception is to be provided to use STR. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Seller REBUTTAL: XXX guidelines have been met per images below, appraiser has noted XXX guidelines See Guidelines and Appraisal image on Rebuttal Form - Buyer-XXX<br> Open-Lender to provide XXX month lookback period documented, and a XXX showing XXX listing. - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX | Additional assets not used to qualify - Additional asset in file in the amount of $XXX not used to qualify.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. | XXX% LTV <br> Additional asset in file in the amount of $XXX not used to qualify.<br> qualifying reserves is XXX months | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090431 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Exception in file: XXX Month Lease Required, Please allow a XXX month lease<br> - Due Diligence Vendor-XXX |  | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. | XXX FICO<br> XXX DSCR<br> XXX mos reserves<br> LTV XXX% |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090431 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received Warranty Deed from XXX to XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Counter-Received Warranty Deed from XXX to XXX. Please provide the Warranty Deed from XXX to XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Deed - Buyer-XXX<br> Open-Vested Owner Signature Requirement Not met. Missing executed Warranty Deed from XXX to XXX. - Due Diligence Vendor-XXX |  | Resolved-Received Warranty Deed from XXX LLC to XXX LLC - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090431 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Document Uploaded. Client responded and provided executed XXX- condition resolved - Due Diligence Vendor-XXX<br> Open-Missing signatures on final XXX - Due Diligence Vendor-XXX |  | Resolved-Document Uploaded. Client responded and provided executed XXX- condition resolved - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090432 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Received XXX Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Please see attached XXX for XXX the monitoring was completed XXX day prior to funding. XXX - Buyer-XXX<br> Counter-Received XXX dated XXX-please provide report dated within XXX days of closing/note date. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX attached to clear file for XXX - Buyer-XXX<br> Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Credit refresh over XXX days old. No other refresh found in file - Due Diligence Vendor-XXX |  | Resolved-Received XXX Report. - Due Diligence Vendor-XXX | Verified employment history exceeds guidelines - XXX years XXX verified, XXX years minimum required<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090432 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received acceptable Fraud Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Fraud Guard attached - Buyer-XXX<br> Open-Missing Third Party Fraud Report No fraud report in loan file - Due Diligence Vendor-XXX |  | Resolved-Received acceptable Fraud Report. - Due Diligence Vendor-XXX | Verified employment history exceeds guidelines - XXX years XXX verified, XXX years minimum required<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090489 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | XXX does not meet requirements | Resolved-Received inspection and while some repairs are recommended, none are for subject unit - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Counter-Documentation provided has been reviewed. However, XXX adds XXX new statutes to XXX XXX which adds a requirement for associations to perform the required inspections. The XXX does not meet the requirement of XXX. Additionally, while the XXX my meet XXX requirement for a limited review, again this does not negate the requirement for XXX. Subject XXX requires the XXX from a XXX. Evidence of such has not been provided. Finding remains - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Data understanding XXX XXX / XXX mentioned in reserves study applies to XXX XXX / Rebuttal Not required on Limited review however, I have also noted is addressed on the XXX reserves study for this projects<br>- Buyer-XXX<br> Open-Subject is missing required milestone inspection as required by XXX XXX. Subject was built before XXX, is of XXX or more units and contains <br> wood/wood-based products, for human occupancy/use. - Due Diligence Vendor-XXX |  | Resolved-Received inspection and while some repairs are recommended, none are for subject unit - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090428 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client provided a waiver for private party XXX, applied to non material finding with reviewed comp factors - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Exception request and approval uploaded - Buyer-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Exception - private party VOR for primary rental history. - Due Diligence Vendor-XXX |  | Waived-Client provided a waiver for private party VOR, applied to non material finding with reviewed comp factors - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> LTV is less than guideline maximum - Maximum LTV is XXX%; qualifying LTV is XXX% | XXX% LTV <br> XXX months reserves | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090428 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client waiver provided to proceed with a XXX, waiver applied to non-material finding with compensating factors - Due Diligence Vendor-XXX |  | Waived-Client waiver provided to proceed with a vacant DSCR refinance, waiver applied to non-material finding with compensating factors - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> LTV is less than guideline maximum - Maximum LTV is XXX%; qualifying LTV is XXX% | Credit Score: XXX points above minimum<br> DSCR: XXX<br> Reserves: XXX months<br> Credit History: XXX to XXX |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090428 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Note signed as XXX and XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. The XXX and Note have been signed as XXX and XXX.<br> - Buyer-XXX<br> Open-The Subject Loan is a XXX but the Guaranty Agreement Doc is 'Missing'. XXX Guaranty Agreement is missing. - Due Diligence Vendor-XXX |  | Resolved-Received Note signed as individuals and member. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> LTV is less than guideline maximum - Maximum LTV is XXX%; qualifying LTV is XXX% |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090433 | XXX | D B C A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted, waiver applied with comp factors - Due Diligence Vendor-XXX <br> Open-Application submitted under rate/term refinance, however, XXX mortgage that was opened as of XXX (per credit report but recorded XXX on XXX) was verified as a previous XXX, however, per the XXX, refinancing a previous XXX seasoned < XXX year will be considered a XXX. - Due Diligence Vendor-XXX |  | Waived-Client exception granted, waiver applied with comp factors - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. | FICO is XXX,<br> Reserves are XXX months<br> LTV is XXX% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090433 | XXX | D B C A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 2 XXX Credit Report is Missing | Waived-Borrower 2 XXX Credit Report is Missing On XXX Client Blanket waiver to be applied to missing XXX/XXX report – Client waiver applied to non material finding with comp factors - Due Diligence Vendor-XXX |  | Waived-Borrower 2 XXX Credit Report is Missing On XXX Client Blanket waiver to be applied to missing XXX report – Client waiver applied to non material finding with comp factors - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090433 | XXX | D B C A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Waived-Borrower 1 XXX Credit Report is Missing On XXX Client Blanket waiver to be applied to missing XXX/XXX report – Client waiver applied to non material finding with comp factors - Due Diligence Vendor-XXX |  | Waived-Borrower 1 XXX Credit Report is Missing On XXX Client Blanket waiver to be applied to missing XXX report – Client waiver applied to non material finding with comp factors - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090433 | XXX | D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-XXX full appraisal reports provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX response - Seller-XXX<br> Open-Provide XXX to support value for appraisal dated XXX with a value of $XXX - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. CDA response - Seller-XXX | Resolved-XXX full appraisal reports provided. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090433 | XXX | D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain XXX for credit inquiries | Resolved-Received credit inquiry letter. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX Credit Inquiries - Buyer-XXX<br> Open-XXX for credit inquiries is missing. - Due Diligence Vendor-XXX |  | Resolved-Received credit inquiry letter. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090433 | XXX | D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Upon further review, fiinding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX Response - Buyer-XXX<br> Open-XXX is Missing - Due Diligence Vendor-XXX |  | Resolved-Upon further review, fiinding resolved. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090479 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received full appraisal reflecting correct owner of record and supporting property profile. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Updated Appraisal. Corrected to reflect Owner.<br> - Buyer-XXX<br> Counter-Received XXX appraisal and 1007. Appraiser notes owner of record as XXX & XXX. This LLC is owned by XXX. LLC documentation received does not reflect XXX by XXX. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Appraisal - Seller-XXX<br> Open-Appraisal is Missing Missing XXX, XXX XXX Unit Appraisal Report, and XXX / Comparative Rent Schedule. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Appraisal - Seller-XXX | Resolved-Received full appraisal reflecting correct owner of record and supporting property profile. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX Max XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX <br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090479 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | XXX does not meet requirements | Resolved-Received XXX attestation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Underwriter Statement for XXX - Seller-XXX<br> Counter-XXX provided, please provide XXX attestation as to the reason the subject is not warrantable. Additional findings may apply. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Full Review.<br> - Seller-XXX<br> Counter-Received revised 1008-missing XXX type. XXX Attestation and/or documentation clearly stating whether the property is a XXX or XXX must be delivered with the file. Lender to provide XXX or XXX as<br> applicable. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Corrected 1008. "XXX = NO. "<br> - Seller-XXX<br> Open-1008 States subject XXX is not warrantable; however, it does not state the reason and exception is not found. File does not have a XXX - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Underwriter Statement for Non Warrantable Condo - Seller-XXX<br> Ready for Review-Document Uploaded. Condo Questionnaire - Full Review.<br> - Seller-XXX<br> Ready for Review-Document Uploaded. Corrected 1008. "XXX = NO. "<br> - Seller-XXX | Resolved-Received UW attestation. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX Max XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX <br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090479 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing XXX | Resolved-Received executed XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Open-Missing XXX for Security Instrument - Due Diligence Vendor-XXX |  | Resolved-Received executed XXX . - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX Max XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX <br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090472 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Backed out the XXX per the Client. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. UW backed the XXX out of the XXX, he backed out XXX, borrower still had plenty of funds to close<br> - Buyer-XXX<br> Counter-XXX of $XXX was disclosed on the Purchase contract and on the CD (Calculating Cash to Close). - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Seller rebuttal uploaded - No XXX listed on closing disclosure<br> - Buyer-XXX<br> Open-Missing asset documentation / paper trail source of funds for earnest money deposit - Due Diligence Vendor-XXX |  | Resolved-Backed out the XXX per the Client. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> DSCR % greater than XXX - Actual XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090472 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, the credit report has a XXX month history for this mortgage. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. This is a transferred mtg from XXX to XXX - Buyer-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Borrower's primary residence mortgage with XXX. The account was opened XXX and only XXX months reviewed. XXX months mortgage history missing for this mortgage. - Due Diligence Vendor-XXX |  | Resolved-Upon further review, the credit report has a XXX month history for this mortgage. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> DSCR % greater than XXX - Actual XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090427 | XXX | D B C A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Client provided an exception for XXX, waiver applied to non material finding with comp factors. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Counter-Internet search, however we are missing the approved exception for the use of XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - supports business active - Buyer-XXX<br> Open-XXX in existence since XXX per XXX pg. XXX. XXX verified business and not allowed per guidelines, only by exception. In addition to a XXX, a phone listing and address using an XXX third-party, ie, XXX search was missing from the loan file. - Due Diligence Vendor-XXX |  | Waived-Client provided an exception for XXX, waiver applied to non material finding with comp factors. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX | $XXX residual income<br> DTI XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf ATR/QM: CDFI Lender Exempt ATR/QM: CDFI Lender Exempt XXX XXX XXX XXX NA Investor Post-Close No XXX |  |  |  |  |  |  |  |  |  |  |  |
| 2025090427 | XXX | D B C A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Received attestation of not affiliates, finding waived. Client waiver applied to non-material Findings - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Affiliates XXX - Buyer-XXX<br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-XXX |  | Waived-Received attestation of not affiliates, finding waived. Client waiver applied to non-material Findings - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  | XXX.pdf | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090427 | XXX | D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required - Due Diligence Vendor-XXX<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX 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). XXX (XXX%) tolerance fees increased by $XXX (Transfer Taxes) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX years- Expiration date is XXX.<br> - Due Diligence Vendor-XXX |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090486 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-XXX<br> Open-Lender exception provided for short term rental. Borrower does not have XXX month lookback for STR due to XXX. - Due Diligence Vendor-XXX |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Guidelines require XXX months of reserves. Qualifying reserves are XXX months.<br> DSCR % greater than XXX - DSCR = XXX | FICO XXX<br> DSCR XXX<br> Reserves XXX months<br> LTV XXX% |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090481 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received notary date on XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX with Notary Date - Seller-XXX<br> Counter-Mortgage w/notary provided, however the Attorney did not add the date of Notarization. Finding remains. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Deed of Trust w/ notary seal, date and legal - Seller-XXX <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Notary date missing. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. DOT with Notary Date - Seller-XXX<br> Ready for Review-Document Uploaded. Deed of XXX, date and legal - Seller-XXX | Resolved-Received notary date on DOT. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves, XXX months required<br> Qualifying FICO score is at least XXX points above minimum for program - XXX Fico, XXX required |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090481 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Flood Insurance provided with an Effective Date of XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Exception docs for XXX Ins Date - Seller-XXX<br> Open-XXX Effective Date of XXX is after the Note Date of XXX Missing evidence of coverage at time of close XXX. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Exception docs for XXX Ins Date - Seller-XXX | Resolved-Flood Insurance provided with an Effective Date of XXX - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves, XXX months required<br> Qualifying FICO score is at least XXX points above minimum for program - XXX Fico, XXX required |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090481 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | XXX: CD not delivered at least XXX days prior to consummation | Resolved-Received CD XXX with evidence of receipt XXX. Finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX and tracking - Buyer-XXX<br> Open-Missing CD delivered XXX days prior to consummation date. Additional findings may apply upon receipt. - Due Diligence Vendor-XXX |  | Resolved-Received CD XXX with evidence of receipt XXX. Finding resolved. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves, XXX months required<br> Qualifying FICO score is at least XXX points above minimum for program - XXX Fico, XXX required |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090481 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves, XXX months required<br> Qualifying FICO score is at least XXX points above minimum for program - XXX Fico, XXX required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Originator Post-Close | No | XXX |
| 2025090466 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for reserves, applied to non material finding (XXX months short) with comp factors. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Exception Request and Approval Uploaded<br> - Buyer-XXX<br> Counter-The additional Deposit in the amount of $XXX was included in the review. Finding Remains. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Additional $XXX.<br> - Buyer-XXX<br> Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Required assets/reserves of XXX; assets post close of XXX; shortage of - XXX. - Due Diligence Vendor-XXX |  | Waived-Client provided a waiver for reserves, applied to non material finding (XXX months short) with comp factors. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV; max XXX% LTV.<br> Long term residence - Borrowers have resided at current home >XXX years. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090480 | XXX | B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client granted an exception, waiver applied with comp factors. - Due Diligence Vendor-XXX<br> Open-Housing History Does Not Meet Guideline Requirements EXCEPTION: Approved for - XXX Months Housing; lives rent free with XXX, purchased property XXX. - Due Diligence Vendor-XXX |  | Waived-Client granted an exception, waiver applied with comp factors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX<br> LTV is less than guideline maximum - LTV: XXX% Max XXX | Credit Profile: no no late on credit, oldest tradeline XXX<br> Excellent payment history on credit, excess reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090477 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted in file, waiver applied with comp factors. - Due Diligence Vendor-XXX <br> Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Lender Exception in file for XXX permitted with XXX months reserves, verified XXX month housing payment history and max XXX% LTV. Borrower does not meet reserves requirement for XXX with only XXX months of reserves. - Due Diligence Vendor-XXX |  | Waived-Client exception granted in file, waiver applied with comp factors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> LTV is less than guideline maximum - Max LTV is XXX%; qualifying LTV is XXX%. | Qualifying FICO: XXX<br> Qualifying DSCR: XXX<br> Qualifying LTV: XXX |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090477 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted in file, waiver applied with comp factors. - Due Diligence Vendor-XXX<br> Open-Lender exception in file for leases required to be no less than XXX months, but may convert to month to month upon expiration. Lender used 1007 market rents, leases not provided. - Due Diligence Vendor-XXX |  | Waived-Client exception granted in file, waiver applied with comp factors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> LTV is less than guideline maximum - Max LTV is XXX%; qualifying LTV is XXX%. | Qualifying FICO: XXX<br> Qualifying DSCR: XXX<br> Qualifying LTV: XXX |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090477 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Purchase Contrast. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Purchase contract uploaded<br> - Buyer-XXX<br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Purchase Contract missing. - Due Diligence Vendor-XXX |  | Resolved-Received Purchase Contrast. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> LTV is less than guideline maximum - Max LTV is XXX%; qualifying LTV is XXX%. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090477 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX print out uploaded<br> - Buyer-XXX<br> Open-Missing full asset statement for asset XXX with XXX as all that was provided was a deposit book page, which does not confirm ownership or full account information. - Due Diligence Vendor-XXX |  | Resolved-Received account history. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> LTV is less than guideline maximum - Max LTV is XXX%; qualifying LTV is XXX%. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090468 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025090469 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received exhibit A - legal attachment to XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Legal Description page is missing in file. - Due Diligence Vendor-XXX |  | Resolved-Received exhibit A - legal attachment to DOT. - Due Diligence Vendor-XXX | On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement on the Subject Property more than XXX. <br> Months Reserves exceed minimum required - XXX months reserves; XXX month reserves required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090424 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Counter-1007 reflects rents $XXX for subject, XXX of rents of $XXX-lease provided differs from those figures. Provide DSCR calculation meeting XXX of guidelines. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Counter-DSCR calculation does not mirror documentation received-lease amount differs. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. dscr calc - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. Missing DSCR Calc - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX mths reserves; XXX mths required.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090424 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received Security Instrument. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. dot - Seller-XXX<br> Open-The Deed of Trust is Missing DOT Missing - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. dot - Seller-XXX | Resolved-Received Security Instrument. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX mths reserves; XXX mths required.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090424 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Received XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Open-Missing initial XXX disclosure - Due Diligence Vendor-XXX |  | Resolved-Received XXX - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX mths reserves; XXX mths required.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090483 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Legal Description<br> - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-XXX |  | Resolved-Received Legal. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX <br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090475 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received XXX w/sufficient coverage. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Revised XXX<br> - Buyer-XXX<br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). No insured amount reflected on policy provided - Due Diligence Vendor-XXX |  | Resolved-Received XXX coverage. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX <br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090467 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Approved Lender Exception in file for transferred appraisal not ordered through XXX.<br> Client Waiver applied with comp factors. <br> Deemed non-material. - Due Diligence Vendor-XXX <br> Open-Approved Lender Exception in file for transferred appraisal not ordered through XXX. - Due Diligence Vendor-XXX |  | Waived-Approved Lender Exception in file for transferred appraisal not ordered through XXX.<br> Client Waiver applied with comp factors. <br> Deemed non-material. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. | Qualifying FICO: XXX<br> Qualifying DSCR XXX<br> Qualifying reserves XXX |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090467 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-Upon further review, the loan file contained all required prepayment documentation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Open-XXX missing from Deed of Trust. - Due Diligence Vendor-XXX |  | Resolved-Upon further review, the loan file contained all required prepayment documentation. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090467 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (XXX) | Resolved-Received 1008 - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Transmittal Summary (1008) - Buyer-XXX<br> Open-Missing Approval/Underwriting Summary 1008 missing from file. - Due Diligence Vendor-XXX |  | Resolved-Received 1008 - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090465 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Approved lender exception for giving borrower more than max of $XXX cash out on FICO < XXX.<br> Client Waiver applied with comp factors. <br> Deemed non-material. - Due Diligence Vendor-XXX<br> Open-Approved lender exception for giving borrower more than max of $XXX cash out on FICO < XXX. - Due Diligence Vendor-XXX |  | Waived-Approved lender exception for giving borrower more than max of $XXX cash out on FICO < XXX.<br> Client Waiver applied with comp factors. <br> Deemed non-material. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max LTV is XXX%; qualifying LTV is XXX%.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. | Qualifying FICO: XXX<br> Qualifying DSCR: XXX<br> Qualifying LTV: XXX |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090465 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. <br> Prelim = $XXX loan amount. - Buyer-XXX<br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). XXX is for $XXX. - Due Diligence Vendor-XXX |  | Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max LTV is XXX%; qualifying LTV is XXX%.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090471 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Insurance verification. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX XXX on 1003: XXX-Mtg Statement includes XXX, attached XXX ending XXX = XXX per mo.<br> - Buyer-XXX<br> Open-XXX XXX hazard insurance not provided. - Due Diligence Vendor-XXX |  | Resolved-Received Insurance verification. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090471 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received Credit Supplement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Credit supplement with Mortgage histories to XXX<br> - Buyer-XXX<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. XXX account ending in # XXX: mortgage payment for XXX not provided. - Due Diligence Vendor-XXX |  | Resolved-Received Credit Supplement. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090422 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Open-Missing Third Party Fraud Report Not in loan file - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. supporting docs - Seller-XXX | Resolved-Received Fraud Report. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> On time mortgage history exceeds guideline requirement - Min XXX months required with XXX, actual XXX months XXX<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX% |  | XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090422 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received XXX for Loan Amount Points fee increase. Remaining tolerance violation of $XXX is resolved with the lender credit of $XXX on final CD. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. CD XXX for Redisclosed CD sent on XXX. The Appraisal Re-Inspection fee was cured at docs.<br> - Buyer-XXX<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX 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). XXX (XXX%) tolerance fees increased by $XXX (Points - Loan Discount Fee, Appraisal Re-Inspection Fee) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX years- Expiration date is XXX.<br> - Due Diligence Vendor-XXX |  | Resolved-Received XXX for Loan Amount Points fee increase. Remaining tolerance violation of $XXX is resolved with the lender credit of $XXX on final CD. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> On time mortgage history exceeds guideline requirement - Min XXX months required with XXX, actual XXX months XXX<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX% |  | XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090422 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Appraisal | Unsupported adjustments or comps | Resolved-Received appraiser commentary. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX <br> Open-XXX of the XXX closed comparables have gross adjustments over XXX%. The appraisal does contain a comp XXX which is a listing and does not exceed XXX% gross adjustments. - Due Diligence Vendor-XXX |  | Resolved-Received appraiser commentary. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> On time mortgage history exceeds guideline requirement - Min XXX months required with XXX, actual XXX months XXX<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX% |  | XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090422 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review the Borrower and co-borrower live together and the co-borrower has a housing history, which meets the guidelines. - Due Diligence Vendor-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Borrowers living rent-free with any person other than a XXX are not eligible and may only be considered on an exception basis. Borrower lives with co-borrower who are not related and/or married. pg. XXX. No exception found in loan file - Due Diligence Vendor-XXX |  | Resolved-Upon further review the Borrower and co-borrower live together and the co-borrower has a housing history, which meets the guidelines. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> On time mortgage history exceeds guideline requirement - Min XXX months required with XXX, actual XXX months XXX<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX% |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090473 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | XXX is Missing | Resolved-Received Mortgage w/XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Mortgage and XXX - Buyer-XXX<br> Open-XXX is Missing XXX missing. per appraisal XXX. - Due Diligence Vendor-XXX |  | Resolved-Received Mortgage w/XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX Required<br> Months Reserves exceed minimum required - XXX months reserves, XXX months required |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090463 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025090375 |  | XXX D B C A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived--Originator request to grant exception for use of XXX accounts XXX held accounts with XXX and use of XXX% of XXX account that borrower is XXX% owner of. Waiver applied to non-material findings with compensating factors. - Due Diligence Vendor-XXX<br> Open-Assets statements provided for income do not meet guideline requirements. XXX ending in XXX is a XXX account and XXX XXX ending in XXX and XXX account ending in XXX are XXX accounts. Provide exception approval to use XXX asset accounts and XXX% of business asset account for income qualification purposes. - Due Diligence Vendor-XXX |  | Waived--Originator request to grant exception for use of XXX accounts jointly held accounts with spouse and use of XXX% of XXX account that borrower is XXX% owner of. Waiver applied to non-material findings with compensating factors. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required<br> Verified employment history exceeds guidelines - - Borrower has been self-employed for XXX years. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | No | XXX |
| 2025090375 |  | XXX D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Certificate of Conversion. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX has been converted from a XXX to a XXX. Please see attached Certificate of Conversion. - Seller-XXX<br> Counter-Revised commitment provided, however Item XXX now reflects a XXX when it is a XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Please see attached - Seller-XXX<br> Open-Property Title Issue 1. Page XXX of title commitment notes title is XXX in borrower (XXX) but Item XXX. (XXX) requires a quit claim deed from a XXX to the borrower. File includes a copy of a XXX deed signed by borrower on XXX and notarized XXX (XXX). <br> 2. Missing evidence that Item #XXX of title commitment was cleared that required the XXX for a XXX; however, the XXX noted is actually a XXX. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX has been converted from a XXX to a XXX LLC. Please see attached Certificate of Conversion. - Seller-XXX<br> Ready for Review-Document Uploaded. Please see attached - Seller-XXX | Resolved-Received Certificate of Conversion. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required<br> Verified employment history exceeds guidelines - - Borrower has been self-employed for XXX years. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090375 |  | XXX D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received Certificate of Conversion. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX has been converted from a XXX to a XXX. Please see attached Certificate of Conversion. - Seller-XXX<br> Counter-Revised commitment and new Quitclaim Deed provided, however Item XXX and deed now reflects a XXX when it is a XXX . - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Please see attached. - Seller-XXX<br> Open-XXX Requirement Not met. Missing XXX for XXX, a XXX to determine borrower's ownership percentage. the XXX purchased subject on XXX per property report in file (XXX), and title was transferred to borrower via Quitclaim deed signed by borrower on XXX and notarized XXX (XXX). CPA letter (XXX) in file notes that Borrower has XXX% ownership of LLC with same name (except not a XXX) which has been in operation for a period of XXX years as of date of letter of XXX. Documents provided with the CPA letter note the non XXX was formed in XXX XXX (XXX) and is authorized to do business in XXX as XXX (XXX). Audit is unable to determine if the XXX is one and the same as the one noted in XXX letter and in XXX and XXX documents. Additional findings may apply. Loan must meet seasoning requirements. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX has been converted from a XXX LLC to a XXX LLC. Please see attached Certificate of Conversion. - Seller-XXX <br> Ready for Review-Document Uploaded. Please see attached. - Seller-XXX | Resolved-Received Certificate of Conversion. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required<br> Verified employment history exceeds guidelines - - Borrower has been self-employed for XXX years. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090375 |  | XXX D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Received XXX amount within XXX days and XXX statement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Please see attached. Also attaching documentation to show additional XXX months of reserves XXX requested. - Seller-XXX<br> Open-1. Guidelines required balances of qualifying assets must be verified within XXX days of Note Date. Cash surrender value for XXX used as of XXX which is not within XXX days of note date.<br> 2. Guidelines require the most recent XXX months of account statements for XXX Assets. For account ending with #XXX, account was opened XXX from other account for which the required statements were provided. However, for this account, missing XXX statement to complete the XXX month requirement. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Please see attached. Also attaching documentation to show additional XXX months of reserves XXX requested. - Seller-XXX | Resolved-Received Life surrender amount within XXX days and XXX statement. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required<br> Verified employment history exceeds guidelines - - Borrower has been self-employed for XXX years. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090375 |  | XXX D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received the back of the XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. See attached - Seller-XXX<br> Open-Borrower Citizenship Documentation Is Missing Missing copy of the back of the XXX. File includes a cop of the front only. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. See attached - Seller-XXX | Resolved-Received the back of the XXX Card. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required<br> Verified employment history exceeds guidelines - - Borrower has been self-employed for XXX years. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090375 |  | XXX D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Upon further review, no ratio loan. XXX Report not required. - Due Diligence Vendor-XXX<br> Ready for Review-This investor does not require XXX credit report - Seller-XXX<br> Open-Borrower 1 XXX Credit Report is Missing Additional findings may apply. - Due Diligence Vendor-XXX | Ready for Review-This investor does not require gap credit report - Seller-XXX | Resolved-Upon further review, no ratio loan. XXX Report not required. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required<br> Verified employment history exceeds guidelines - - Borrower has been self-employed for XXX years. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090375 |  | XXX D B C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received the XXX for fee addition. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. See XXX - Seller-XXX<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX 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). -----XXX (XXX%) tolerance fees increased by $XXX (XXX) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX year- Expiration date is XXX.<br> - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. See XXX - Seller-XXX | Resolved-Received the COC for fee addition. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required<br> Verified employment history exceeds guidelines - - Borrower has been self-employed for XXX years. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090375 |  | XXX D B C A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Waived-Originator provided a waiver for alternative credit/tradeline requirement, applied to non material finding with reviewed comp factors - XXX% LTV < XXX% maximum allowed. XXX months reserves > XXX months minimum required. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Borrower has XXX reporting credit scores and does not meet the requirements for < than XXX scores of XXX tradelines reporting >/= XXX or XXX tradelines reporting >= XXX months. Borrower has one tradeline reporting for XXX months. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Waived-Originator provided a waiver for alternative credit/tradeline requirement, applied to non material finding with reviewed comp factors - XXX% LTV < XXX% maximum allowed. XXX months reserves > XXX months minimum required. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required<br> Verified employment history exceeds guidelines - - Borrower has been self-employed for XXX years. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | No | XXX |
| 2025090375 |  | XXX D B C A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum.<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required<br> Verified employment history exceeds guidelines - - Borrower has been self-employed for XXX years. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | No | XXX |
| 2025090464 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025090458 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025090420 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | XXX: CD not delivered at least XXX days prior to consummation | Resolved-Received CD XXX, receipt date XXX. Finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Open-Missing initial CD acknowledged by borrower a minimum of XXX days prior to consummation - Due Diligence Vendor-XXX |  | Resolved-Received CD XXX, receipt date XXX. Finding resolved. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves documented, XXX months required<br> Qualifying FICO score is at least XXX points above minimum for program - XXX FICOI, XXX required |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090460 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025090453 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal Description. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Exhibit A recorded with Deed of Trust - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal - Due Diligence Vendor-XXX |  | Resolved-Received Legal Description. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max LTV is XXX%; qualifying LTV is XXX%.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090419 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (XXX) | Resolved-Received 1008 - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Open-Missing Approval/Underwriting Summary 1008 is missing. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. supporting docs - Seller-XXX | Resolved-Received 1008 - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090419 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received XXX report - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Open-Borrower 1 XXX Credit Report is Missing Missing XXX Credit Report and XXX not reflected on Fraud Report. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. supporting docs - Seller-XXX | Resolved-Received XXX report - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090419 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received original XXX appraisal - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Open-Property Issues are identified for the property Appraisal is a copy - missing original appraisal. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. supporting docs - Seller-XXX | Resolved-Received original color appraisal - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090419 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received lenders bank statement calculation worksheet - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Bank Statement Income Calculator is missing. - Due Diligence Vendor-XXX |  | Resolved-Received lenders bank statement calculation worksheet - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090419 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received good standing. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Verbal XXX missing. - Due Diligence Vendor-XXX |  | Resolved-Received good standing. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090419 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation that lender does not have affiliates. Affiliated Business Disclosure not required. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-0XXX<br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. supporting docs - Seller-XXX | Resolved-Received attestation that lender does not have affiliates. Affiliated Business Disclosure not required. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090419 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXX and XXX is XXX) Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XXX and Occupancy is Primary Residence) Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090417 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1008 w DSCR - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation - Due Diligence Vendor-XXX |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves: XXX Min XXX<br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090417 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Certifications of Trust for XXX borrowers. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open XXX Issue Missing full complete copy of the XXX dated XXX & XXX dated XXX. - Due Diligence Vendor-XXX |  | Resolved-Received Certifications of Trust for both borrowers. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Reserves: XXX Min XXX<br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090457 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025090394 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing XXX-Credit | Resolved-Received XXX to the Mortgage and Addendum to the Note. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX<br> - Buyer-XXX<br> Open-XXX require a XXX. XXX indicates a XXX but none found in file. Audit to enter prepay upon receipt of terms. - Due Diligence Vendor-XXX |  | Resolved-Received XXX Rider to the Mortgage and Addendum to the Note. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br>Months Reserves exceed minimum required - XXX months reserves documented, XXX months required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090394 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received final Settlement Statement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-Settlement statement is not signed by borrower or XXX - Due Diligence Vendor-XXX |  | Resolved-Received final Settlement Statement. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br>Months Reserves exceed minimum required - XXX months reserves documented, XXX months required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090394 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to strong originator comp factors and borrower has paid on prior XXX on time for past XXX months. - Due Diligence Vendor-XXX<br> Open-XXX loans and $XXX exceeds guidelines. - Due Diligence Vendor-XXX |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to strong originator comp factors and borrower has paid on prior blanket mortgage on time for past XXX months. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br>Months Reserves exceed minimum required - XXX months reserves documented, XXX months required. | XXX FICO, XXX required<br> XXX months reserves documented, XXX months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | Yes | XXX |
| 2025090423 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-Received corrected Note-fully executed-XXX Payment Amount matches Initial Payment Amount or is within $XXX variance. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Corrected Note with correct payment amount has been received. - Buyer-XXX<br> Counter-The updated Note received is still incorrect. (Based on the loan amount of $XXX and Interest Rate of XXX% the XXX payment should be $XXX. The XXX payment reflected on the updated Note is $XXX) - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Updated Note - Buyer-XXX <br> Open-Calculated Initial XXX Payment Amount does not match Initial XXX Payment Amount (Variance exceeds $XXX) Calculated Initial XXX Payment Amount $XXX does not match Initial XXX Payment Amount $XXX (Variance exceeds $XXX). Note is based on XXX payment however does not contain any XXX. Provide corrected Note with correct payment. - Due Diligence Vendor-XXX |  | Resolved-Received corrected Note-fully executed- XXX Payment Amount matches Initial Payment Amount or is within $XXX variance. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX% LTV. Allowed XXX%<br> Months Reserves exceed minimum required - XXX months reserves; XXX months reserves required. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090423 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Received complete credit report without XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Correct Credit Report with all XXX XXX and mid-score of XXX has been uploaded.<br> - Buyer-XXX<br> Open-Audited FICO of XXX is less than Guideline FICO of XXX Min FICO XXX, Bwr FICO XXX - Due Diligence Vendor-XXX |  | Resolved-Received complete credit report without XXX. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX% LTV. Allowed XXX%<br> Months Reserves exceed minimum required - XXX months reserves; XXX months reserves required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090423 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Received Desk Review for the correct appraisal. Value is supported. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX <br> Counter-Received a XXX based o n XXX appraisal. Clarify previous XXX-based on appraisal dated XXX with value of $XXX same appraiser-no commentary reflecting in XXX appraisal. Additional conditions may apply - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. CDA - Buyer-XXX<br> Open-XXX or more of the additional valuation products were completed prior to the Primary Valuation product date. XXX needed as desk review on file above XXX% diff - Due Diligence Vendor-XXX |  | Resolved-Received Desk Review for the correct appraisal. Value is supported. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX% LTV. Allowed XXX%<br> Months Reserves exceed minimum required - XXX months reserves; XXX months reserves required. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090392 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received XXX XXX, evidence of delivery of XXX XXX. Finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX CD SIGNED - Buyer-XXX<br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Borrower acknowledgement of CD issued XXX is required as Lender credit decreased from $XXX to $XXX, please provide borrower's receipt of CD or evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX |  | Resolved-Received XXX XXX, evidence of delivery of CD XXX. Finding resolved. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers credit score is XXX; guideline minimum is XXX<br> Qualifying DTI below maximum allowed - The DTI is XXX; guideline maximum is XXX%> |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090392 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received XXX XXX, evidence of delivery of CD XXX. Finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX CD SIGNED - Buyer-XXX<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX 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). ----- Borrower acknowledgement of CD issued XXX is required as XXX (XXX%) tolerance fees increased by $XXX (Mortgage Broker Fee), please provide borrower's receipt of CD or evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within XXX days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations XXX years- Expiration date is XXX.<br>- Due Diligence Vendor-XXX |  | Resolved-Received XXX XXX, evidence of delivery of CD XXX. Finding resolved. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers credit score is XXX; guideline minimum is XXX<br> Qualifying DTI below maximum allowed - The DTI is XXX; guideline maximum is XXX%> |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090392 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material finding. - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material finding. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers credit score is XXX; guideline minimum is XXX<br> Qualifying DTI below maximum allowed - The DTI is XXX; guideline maximum is XXX%> |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090404 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Asset XXX Does Not Meet Guideline Requirements | Resolved-Gift funds of $XXX and $XXX listed in section XXX of the final CD - Due Diligence Vendor-XXX<br> Open-Asset XXX Does Not Meet Guideline Requirements Gifts credited on CD as down payment in the amount of $XXX. XXX gifts were given in the amount of $XXX and $XXX. The $XXX was given; however, the difference of $XXX from XXX (XXX) is not documented. - Due Diligence Vendor-XXX |  | Resolved-Gift funds of $XXX and $XXX listed in section XXX of the final CD - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> LTV is less than guideline maximum - Max XXX%, actual XXX%<br> DSCR % greater than XXX - Actual XXX |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090454 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025090416 | XXX | D B A C | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material D B | Property | Missing Doc | Appraisal is Missing | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX<br> Counter--Received appraisal-Missing date on appraisal transfer letter - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Appraisal - Seller-XXX <br> Open-Appraisal is Missing Primary Appraisal is missing. Additional conditions may apply. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Appraisal - Seller-XXX | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. | XXX months of reserves<br> XXX fico score | XXX.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090416 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX both borrowers - Seller-XXX<br> Open-Borrower 1 XXX Credit Report is Missing XXX Credit is missing and not reflected on Fraud Report. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX both borrowers - Seller-XXX | Resolved-Received XXX - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090416 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 XXX Credit Report is Missing | Resolved-Received XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX both borrowers - Seller-XXX<br> Open-Borrower 2 XXX Credit Report is Missing XXX Credit is missing and not reflected on Fraud Report. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX both borrowers - Seller-XXX | Resolved-Received XXX - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090416 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | XXX: CD not delivered at least XXX days prior to consummation | Resolved-Received CD XXX, finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Initial CD - Buyer-XXX <br> Open------Missing initial CD acknowledged by borrower a minimum of XXX days prior to consummation. Additional findings may apply upon receipt. - Due Diligence Vendor-XXX |  | Resolved-Received CD XXX, finding resolved. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090409 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter and license validation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. cpa - Buyer-XXX<br> Open-License not provided by accountant and letter does not state what type of credentials the preparer possesses, unable to confirm credential type and whether it meets guidelines - Due Diligence Vendor-XXX |  | Resolved-Received CPA letter and license validation. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090429 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received statement and source of funds. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Bank Statements - Seller-XXX <br> Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) XXX months reserves required. Final 1003 reflects XXX asset accounts. XXX #XXX and a XXX Account XXX percent with a balance of XXX which is not supported with any statement in file. Borrower is short required reserves - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Bank Statements - Seller-XXX | Resolved-Received statement and source of funds. - Due Diligence Vendor-XXX | Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX<br> Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX% |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090429 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (XXX) | Resolved-Received 1008 - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Final 1008 - Buyer-XXX<br> Open-Missing Approval/Underwriting Summary The 1008 is missing from the file - Due Diligence Vendor-XXX |  | Resolved-Received 1008 - Due Diligence Vendor-XXX | Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX<br> Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX% |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090429 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received PCCD XXX, and XXX. finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX and CD - Buyer-XXX<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX 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). -----XXX (XXX%) tolerance fees increased by $XXX (Appraisal Fee) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX year- Expiration date is XXX.<br> - Due Diligence Vendor-XXX |  | Resolved-Received PCCD XXX, and LOX. finding resolved. - Due Diligence Vendor-XXX | Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX<br> Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX% |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090429 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX Report - Seller-XXX<br> Counter-Fraud report reflects open alerts. Please provide update reflecting all alerts resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Fraud Report - Buyer-XXX<br> Open-Missing Third Party Fraud Report Fraud report is missing from the file - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX Report - Seller-XXX | Resolved-Received Fraud Report. - Due Diligence Vendor-XXX | Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX<br> Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX% |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090429 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Borrower 1 XXX Credit Report is not missing. - Due Diligence Vendor-0XXX<br> Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX<br> Open-Borrower 1 XXX Credit Report is Missing Missing XXX Credit. XXX credit report or Undisclosed Debt Monitoring is missing from the file - Due Diligence Vendor-XXX |  | Resolved-Borrower 1 XXX Credit Report is not missing. - Due Diligence Vendor-XXX | Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX<br> Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX% |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090429 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review which supports the appraised value. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Appraisal Review - Seller-XXX<br> Open-XXX > XXX - XXX - XXX / Required additional review product - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Appraisal Review - Seller-XXX | Resolved-Received Desk Review which supports the appraised value. - Due Diligence Vendor-XXX | Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX<br> Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX% |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090429 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_XXX | Resolved-Received 1008 - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Final 1008 - Buyer-XXX<br> Open-Approval/Underwriting Summary Not Provided. The 1008 Approval/underwriting summary is not in file - Due Diligence Vendor-XXX |  | Resolved-Received 1008 - Due Diligence Vendor-XXX | Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX<br> Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX% |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090429 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry letter. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Open-XXX for credit inquiries is missing. XXX for credit inquires is not in file - Due Diligence Vendor-XXX |  | Resolved-Received credit inquiry letter. - Due Diligence Vendor-XXX | Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX<br> Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX% |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090429 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Upon further review, the loan file contained all required employment verification documentation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Final XXX - Seller-XXX <br> Open-Borrower 1 3rd Party XXX Prior to Close Missing XXX verification is missing from the file - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Final XXX - Seller-XXX | Resolved-Upon further review, the loan file contained all required employment verification documentation. - Due Diligence Vendor-XXX | Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX<br> Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX% |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090429 | XXX | D B A C | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-XXX | Residual Income =/> XXX times $XXX monthly residual income - Borrower's residual income is $XXX<br> Qualifying DTI below maximum allowed - Maximum DTI is XXX%, subject loan is XXX% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090456 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | XXX: CD not delivered at least XXX days prior to consummation | Resolved-Received CD XXX, delivered XXX. Finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open----------- Missing initial CD and acknowledgement by borrower(s) a minimum XXX days prior to consummation date, unable to test. Additional finding may apply upon receipt. - Due Diligence Vendor-XXX |  | Resolved-Received CD XXX, delivered XXX. Finding resolved. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO; XXX required<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090455 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received XXX description completing security instrument. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-The Deed of Trust is Incomplete Missing Exhibit A (Legal Description) - Due Diligence Vendor-XXX |  | Resolved-Received legal description completing security instrument. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO; XXX required<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090455 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | XXX: CD not delivered at least XXX days prior to consummation | Resolved-Received CD XXX, evidence of delivery XXX. Finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-Missing initial CD acknowledged by borrower a minimum of XXX days prior to consummation. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX |  | Resolved-Received CD XXX, evidence of delivery XXX. Finding resolved. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO; XXX required<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf<br> XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090455 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO; XXX required<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090385 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received XXX Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Credit report included in attached - Buyer-XXX<br> Open-Borrower 1 XXX Credit Report is Missing - Due Diligence Vendor-XXX |  | Resolved-Received XXX Report. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090385 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX 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). Upon further review, finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. CD - Buyer-XXX<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX 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). XXX (XXX%) tolerance fees increased by $XXX (Discount points and transfer taxes) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX year- Expiration date is XXX<br> - Due Diligence Vendor-XXX |  | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.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). Upon further review, finding resolved. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090385 | XXX | D B A C | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing : Client waiver applied to non-material Findings - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing : Client waiver applied to non-material Findings - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090413 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - XXX Borrower Identification Form | Resolved-Patriot act disclosure received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Correct XXX XXX - Buyer-XXX<br> Counter-Document received is insufficient-provide complete XXX or XXX for XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Counter-Receive XXX for XXX. Please provide the XXX for XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Attached the XXX found in the file.<br> - Buyer-XXX<br> Open-Missing Disclosure - XXX Borrower Identification Form. Missing XXX Form - Due Diligence Vendor-XXX |  | Resolved-XXX disclosure received. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves documented, XXX months required. <br> Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090413 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves documented, XXX months required. <br> Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090425 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | XXX is Missing | Resolved-Received Recorded XXX w/XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Recorded Mortgage with XXX included - Buyer-XXX<br> Open-XXX is Missing Per XXX is in a XXX - Due Diligence Vendor-XXX |  | Resolved-Received Recorded XXX . - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves, XXX months required. <br> Credit history exceeds minimum required - XXX FICO, XXX required |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090425 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves, XXX months required. <br> Credit history exceeds minimum required - XXX FICO, XXX required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090414 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received XXX Statement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX XXX stmt attached. - Buyer-XXX<br> Open-The Final Reviewed XXX Status is 'XXX: Status Pending' on a XXX. Missing XXX statement for XXX ending XXX-audit used lender amount from income worksheet-removal of income will result in higher XXX. - Due Diligence Vendor-XXX |  | Resolved-Received XXX Statement. - Due Diligence Vendor-XXX | On time mortgage history exceeds guideline requirement - XXX<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090414 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Received XXX Statement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX XXX stmt attached. - Buyer-XXX<br> Open-Missing XXX statement for XXX ending XXX-audit used lender amount from income worksheet-removal of income will result in higher XXX. - Due Diligence Vendor-XXX |  | Resolved-Received XXX Statement. - Due Diligence Vendor-XXX | On time mortgage history exceeds guideline requirement - XXX<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090414 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd XXX. Finding Resolved. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Initial CD went out on XXX with a loan amount of $XXX and a Broker fee of $XXX (XXX%)<br> On XXX a XXX was sent for loan amount increase to $XXX which also increased the Broker fee to $XXX (XXX%) - Buyer-XXX<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX 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). -----XXX (XXX%) tolerance fees increased by $XXX (XXX) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX year- Expiration date is XXX. - Due Diligence Vendor-XXX |  | Resolved-Rec'd XXX. Finding Resolved. - Due Diligence Vendor-XXX | On time mortgage history exceeds guideline requirement - XXX<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090402 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | Right to Rescind | XXX | Resolved-Received XXX XXX , disbursement date XXX. Finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-This loan failed the XXX right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the XXX business day following consummation.The consumer may exercise the right to rescind until midnight of the XXX business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide XXX with disbursement date after the XXX expiration date, XXX. - Due Diligence Vendor-XXX |  | Resolved-Received PCCD XXX , disbursement date XXX. Finding resolved. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090462 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Counter-Please provide XXX considered for closing-received XXX only. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-Title Document is missing Missing title commitment, - Due Diligence Vendor-XXX |  | Resolved-Title Document is fully Present - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090462 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-Additional valuation product has not been provided. Missing XXX - Due Diligence Vendor-XXX |  | Resolved-Received secondary valuation. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090462 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-material, XXX living rent free. Excellent credit. - Due Diligence Vendor-XXX<br> Open-Housing History Does Not Meet Guideline Requirements XXX w/no past housing history. - Due Diligence Vendor-XXX |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed non-material, first time investor living rent free. Excellent credit. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX. | Paying off high rate mortgage monthly savings $XXX/mo; DSCR XXX; XXX score, XXX tradelines, XXX autho user. All revolving credit. Oldest tradeline XXX; |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090474 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Lender does not require XXX. Max LTV ratio is XXX%. - Due Diligence Vendor-XXX <br> Counter-Documentation is insufficient-borrower is XXX max ltv XXX% less XXX% reduction is XXX% LTV-original finding remains. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Rebuttal XXX% reduction was taken max LTV is XXX% we are at XXX% - Buyer-XXX<br> Counter-Exception request received does not reflect LTV exception request. Please provide exception request and client approval for LTV not reduced in XXX for XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. exception request for XXX - Buyer-XXX<br> Open-Audited LTV of XXX% exceeds Guideline LTV of XXX% XXX requires XXX% LTV reduction from max of XXX% considered XXX . Borrower has has only owned the subject for XXX months and no other housing history since XXX. No proof of free and clear XXX was provided - Due Diligence Vendor-XXX |  | Resolved-Lender does not require stacking reductions. Max LTV ratio is XXX%. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> DSCR % greater than XXX - XXX<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090474 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted Waived-Client exception granted Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> DSCR % greater than XXX - XXX<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX XXX FICO<br> DSCR XXX<br> XXX months reserves XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090470 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025090421 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_XXX | Resolved-Received 1008 - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Open-Approval/Underwriting Summary Not Provided. 1008 not present in file. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. supporting docs - Seller-XXX | Resolved-Received 1008 - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - XXX mths reserves; XXX mths required. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090421 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-Missing Third Party Fraud Report Fraud Report is missing. - Due Diligence Vendor-XXX |  | Resolved-Received Fraud Report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - XXX mths reserves; XXX mths required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090421 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX <br> Counter-Received XXX. Please provide the XXX- Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Open-Missing XXX XXX is missing. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. supporting docs - Seller-XXX | Resolved-Received Flood Cert. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - XXX mths reserves; XXX mths required. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090421 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received Hazard Insurance Effective Date of XXX is prior to or equal to the Note Date of XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-Hazard Insurance Effective Date of XXX is after the Note Date of XXX Disb XXX - Due Diligence Vendor-XXX |  | Resolved-Received Hazard Insurance Effective Date of XXX is prior to or equal to the Note Date of XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - XXX mths reserves; XXX mths required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090421 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR - Seller-XXX<br> Ready for Review-DSCR - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. DSCR Calc is missing and no 1008 present in file to reflect ratio on. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. DSCR - Seller-XXX | Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - XXX mths reserves; XXX mths required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090408 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Upon further review, the expiration date is XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. HOI - Buyer-XXX<br> Open-Hazard Insurance Expiration Date of XXX is prior to or equal to the Note Date of XXX XXX policy reflects expiration date of XXX (same as the effective date). - Due Diligence Vendor-XXX |  | Resolved-Upon further review, the expiration date is XXX - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Guidelines require XXX credit score. Qualifying credit score is XXX.<br> Months Reserves exceed minimum required - Guidelines require XXX months of reserves. Qualifying reserves are XXX months. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090398 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional deposit into XXX. Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Provide satisfactory documentation evidencing sufficient funds to meet minImum reserve requirements. - Due Diligence Vendor-XXX |  | Resolved-Received additional deposit into XXX. Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> LTV is less than guideline maximum - LTV: XXX Max XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090398 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (XXX) | Resolved-Received 1008 - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1008 - Seller-XXX<br> Open-Missing Approval/Underwriting Summary Missing Underwriting Transmittal Summary form 1008 - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. 1008 - Seller-XXX | Resolved-Received 1008 - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> LTV is less than guideline maximum - LTV: XXX Max XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090398 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $XXX | Resolved-Received additional deposit into XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. The $XXX Cashier's check dated XXX reflected as a $XXX withdrawal (dated XXX) from XXX account XXX - Buyer-XXX<br> Open-Total Qualified Assets Post-Close amount is '$-XXX'. Assets are Insufficient. Missing evidence of $XXX XXX to offset loss/reserves/cash to close. Borrower made several transfers of $XXX between several accounts; however, the actual XXX source is not adequately documented to factor, the cashier's check does not align or show on statements. - Due Diligence Vendor-XXX |  | Resolved-Received additional deposit into XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> LTV is less than guideline maximum - LTV: XXX Max XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090398 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet - Due Diligence Vendor-XXX |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> LTV is less than guideline maximum - LTV: XXX Max XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090393 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received current statement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. The history on the credit report includes XXX Months reviewed through XXX, attached the Statement that shows XXX mortgage payment to complete the XXX months. Found in the file. - Buyer-XXX<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Housing History Does Not Meet Guideline Requirements Credit report reflects mortgage was opened in XXX and only XXX months reviewed. No update found in file to cover a XXX month history - Due Diligence Vendor-XXX |  | Resolved-Received current statement. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090393 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | No | XXX |
| 2025090459 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025090384 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-The removal of the basement stove does not violate any guidelines. - Due Diligence Vendor-XXX<br> Open-Property Issues are identified for the property XXX Family house with XXX in the basement and stive removed. - Due Diligence Vendor-XXX |  | Resolved-The removal of the basement stove does not violate any guidelines. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090384 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Purchase Contract. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. contract - Buyer-XXX <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing full Contract. Amendment on page XXX. - Due Diligence Vendor-XXX |  | Resolved-Received Purchase Contract. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090400 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received XXX. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-The Business Purpose Affidavit Disclosure is Missing The Business Purpose Affidavit is missing from the loan file. - Due Diligence Vendor-XXX |  | Resolved-Received Business Purp Affidavit. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Maximum LTV is XXX%, Subject loan LTV is XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090400 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR worksheet - Buyer-XXX <br> Open-The DSCR Calculation from lender is Missing. DSCR Calculation document is missing from the file. - Due Diligence Vendor-XXX |  | Resolved-Received DSCR calculation - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Maximum LTV is XXX%, Subject loan LTV is XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090415 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025090395 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Upon further review note is signed as an individual and as a member. - Due Diligence Vendor-XXX<br> Open-The Subject Loan is a Business Purpose Loan but the XXX Doc is 'Missing'. Missing from loan files - Due Diligence Vendor-XXX |  | Resolved-Upon further review note is signed as an individual and as a member. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> DSCR % greater than XXX - Actual XXX |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090389 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Per client, reviewed as XXX years full doc. Review did not include wages for b1 at the medical center as it was not need and the documentation was insufficient. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX<br> Open-Loan submitted as XXX months bank statements for B1 but includes full personal and business income documentation for B1 (XXX years personal & business tax returns. Paystubs, W2, prior year and YTD P\*&L.) Loans submitted under the alternative documentation programs may not contain full documentation of income. - Due Diligence Vendor-XXX |  | Resolved-Per client, reviewed as XXX years full doc. Review did not include wages for XXX at the medical center as it was not need and the documentation was insufficient. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> LTV is less than guideline maximum - XXX% LTV, program allows XXX%. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090389 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received tax returns. Income and Employment Meet Guidelines - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX<br> Open-Income and Employment Do Not Meet Guidelines Loan submitted as XXX months bank statements for B1 & full doc for B2-file contains full documentation for both borrowers. Confirmation received that loan is XXX months statements. - Income calculation not performed due to having full income documentation in file. (XXX years personal & business tax returns. Paystubs, W2, prior year and YTD P\*&L.) - Due Diligence Vendor-XXX |  | Resolved-Received tax returns. Income and Employment Meet Guidelines - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> LTV is less than guideline maximum - XXX% LTV, program allows XXX%. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090407 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client provided a waiver Waived-Client provided a waiver LTV is less than guideline maximum - XXX% LTV, program allows XXX%<br> Verified employment history exceeds guidelines - XXX years on current job<br> Borrower down payment exceeds minimum require - - Borrower has been living rent free with parent to save and put XXX% down payment on subject.<br> Residual Income =/> XXX times $XXX monthly residual income - - Residual income XXX the required amount.<br> Months Reserves exceed minimum required - Post closing reserves > XXX the min required Employment-XXX years on job<br> XXX% LTV, program allows XXX% XXX.pdf<br> XXX.pdf QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) XXX XXX XXX XXX NA Investor Post-Close No XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090407 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-XXX provided dated XXX. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. soft pull dated XXX - Buyer-XXX<br> Open-Borrower XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). XXX is not within XXX days - Due Diligence Vendor-XXX |  | Resolved-XXX provided dated XXX. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV, program allows XXX%<br> Verified employment history exceeds guidelines - XXX years on current job<br> Borrower down payment exceeds minimum require - - Borrower has been living rent free with parent to save and put XXX% down payment on subject.<br> Residual Income =/> XXX times $XXX monthly residual income - - Residual income XXX the required amount.<br> Months Reserves exceed minimum required - Post closing reserves > XXX the min required |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090461 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Appraisal | Unsupported adjustments or comps | Resolved-Upon further review, subject is a XXX property and value is support by CDA - Due Diligence Vendor-XXX<br> Open-All XXX comparables have gross adjustments over XXX% - Due Diligence Vendor-XXX |  | Resolved-Upon further review, subject is a XXX property and value is support by XXX - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - XXX required, XXX months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090461 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received originators business bank statement analysis. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Bank statement summary worksheet - Buyer-XXX <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing income worksheet - Due Diligence Vendor-XXX |  | Resolved-Received originators business bank statement analysis. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - XXX required, XXX months |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090405 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Property | Missing documentation of warrantability | Resolved-Received copy of XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. CPM - Buyer-XXX<br> Counter-1008 reflects CPM-please provide CPM approval. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1008 with XXX warrantability noted. - Buyer-XXX <br> Open-Missing documentation of warrantability. 1008 does not reflect warrantability status on XXX. - Due Diligence Vendor-XXX |  | Resolved-Received copy of XXX - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Max DTI is XXX%; qualifying DTI is XXX%.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090397 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025090448 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received acceptable secondary valuation product. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Score at XXX and under no CDA or Field Review required. - Buyer-XXX <br> Open-Additional valuation product has not been provided. Appraisal reviews are required for all loan amounts. - Due Diligence Vendor-XXX |  | Resolved-Received acceptable secondary valuation product. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> Months Reserves exceed minimum required - XXX months reserves, XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090391 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. Accepting an XXX month housing history for the borrower. - Due Diligence Vendor-XXX<br> Counter-Exception approval provided, however we are unable to waive without XXX verifiable compensating factors. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Exception Request & Approval Docs - Buyer-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Borrower XXX living rent free with parent in past XXX months. Borrowers living rent-free with any person other than a non-borrowing spouse are not eligible and may only be considered on an exception basis. Lender exception in file - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors. Accepting an XXX month housing history for the borrower. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX Fico, XXX required | XXX% DTI <br> XXX fico score<br> $XXX residual income <br> low credit usage | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090382 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description.<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----Missing legal description of property, Exhibit A<br> - Due Diligence Vendor-XXX |  | Resolved-Received complete security instrument inclusive of legal description.<br> - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves documented, XXX months required<br> Qualifying FICO score is at least XXX points above minimum for program - XXX fico. XXX required |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090382 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves documented, XXX months required<br> Qualifying FICO score is at least XXX points above minimum for program - XXX fico. XXX required |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090379 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI for departing provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX HOI - Buyer-XXX<br> Open-Missing HOI policy for property XXX - Due Diligence Vendor-XXX |  | Resolved-XXX for departing provided. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090379 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX HOI - Buyer-XXX<br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing income documents - Due Diligence Vendor-XXX |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090379 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Borrower XXX Credit Report is not missing. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Credit report dated XXX is less than XXX days from closing. Please clear condition. - Buyer-XXX<br> Open-Borrower XXX Credit Report is Missing Missing from loan file - Due Diligence Vendor-XXX |  | Resolved-Borrower 1 XXX Credit Report is not missing. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090379 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | XXX is Missing | Waived-The XXX disclosure is missing. Client Waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-The XXX disclosure is missing. Client Waiver applied to non-material Findings. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090387 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  | LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025090449 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | XXX: Closing Disclosure not received by the borrower XXX days prior to consummation | Resolved-Received CD XXXwith disclosure tracking confirming same day delivery. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX <br> Open-Missing initial CD and evidence of borrower receipt a minimum of XXX days prior to consummation - Due Diligence Vendor-XXX |  | Resolved-Received CD XXX with disclosure tracking confirming same day delivery. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090365 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025090451 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025090386 | XXX | B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | XXX is Missing | Waived-The XXX disclosure is missing. Client waiver applied to non-material findings. - Due Diligence Vendor-XXX |  | Waived-The XXX disclosure is missing. Client waiver applied to non-material findings. - Due Diligence Vendor-XXX |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090418 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. See attached signed Credit Report inquiry letter<br> - Buyer-XXX <br> Open-LOX for credit inquiries is missing. LOX for credit inquiries is missing from the file - Due Diligence Vendor-XXX |  | Resolved-Received XXX - Due Diligence Vendor-XXX | Residual Income =/> XXX times $XXX monthly residual income - Borrowers have $XXX in residual monthly income, minimum required is $XXX.<br> Months Reserves exceed minimum required - Borrowers verified XXX months of qualifying PITIA reserves, minimum XXX months required. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090401 |  | XXX D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Assets | Asset XXX Less Than XXX Months Verified | Waived-Originator exception granted to allow < XXX months statements. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Asset XXX Less Than XXX Months Verified File is missing XXX Month Statement for Acct #XXX - Waiving XXX requires XXX Months Reserves - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Waived-Originator exception granted to allow < XXX months statements. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - XXX% DTI below max of XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required<br> LTV is less than guideline maximum - Maximum LTV is XXX%, subject loan is XXX% | LTV,,XXX%, XXX% < XXX% max<br> FICO, XXX, XXX > XXX min<br> DTI, XXX%, XXX% < XXX% max | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | Yes | XXX |
| 2025090401 |  | XXX D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Assets | Asset XXX Less Than XXX Months Verified | Waived-Originator exception granted to allow < XXX month bank statement. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Asset XXX Less Than XXX Months Verified File is missing XXX Month Statement for XXX - Waiving XXX requires XXX Months Reserves - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Waived-Originator exception granted to allow < XXX month bank statement. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX<br> LTV is less than guideline maximum - LTV = XXX% - Max LTV = XXX% | LTV,,XXX%, XXX% < XXX% max<br> FICO, XXX, XXX > XXX min<br> DTI, XXX%, XXX% < XXX% max | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | N/A | XXX |
| 2025090401 |  | XXX D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Guidelines indicates an LOX may be required. - Due Diligence Vendor-XXX<br> Open-File is missing Letter of Explanation for NSFs on Bank Statements (Income) - Due Diligence Vendor-XXX |  | Resolved-Guidelines indicates an XXX may be required. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX<br> LTV is less than guideline maximum - LTV = XXX% - Max LTV = XXX% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090450 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Upon further review audited FICO of XXX is greater than or equal to Guideline FICO of XXX - Due Diligence Vendor-XXX<br> Counter-Loan was submitted and reviewed to Institutional eXperienced Investor Program 2XXX. Minimum FICO is XXX for DSCR < XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. UW used the Market rent of XXX not the actually rent of XXX, the rent of XXX is what is on the DSCr worksheet<br> - Seller-XXX<br> Counter-Documentation is insufficient-DSCR calculation is below XXX requiring XXX fico-finding remains. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. UW memo shows over XXX - Seller-XXX<br> Open-Audited FICO of XXX is less than Guideline FICO of XXX Credit score minimum for DSCR >XXX is XXX, borrower's qualifying credit score is XXX per credit report. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. UW used the Market rent of XXX not the actually rent of XXX, the rent of XXX is what is on the DSCr worksheet<br> - Seller-XXX<br> Ready for Review-Document Uploaded. UW XXX shows over XXX - Seller-XXX | Resolved-Upon further review audited FICO of XXX is greater than or equal to Guideline FICO of XXX - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX<br> LTV is less than guideline maximum - LTV = XXX% - Max LTV = XXX% |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090450 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Upon further review the qualifying terms in the system were corrected. The DSCR is XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. UW memo shows over XXX - Seller-XXX <br> Open-The Calculated DSCR of 'XXX' is less than the minimum DSCR per lender guidelines of 'XXX'. Loan does not meet minimum criteria for reduced DSCR of >XXX, which requires a qualifying credit score of no less than XXX for a cash out transaction, borrower's median credit is XXX. Note, auditor used market rent for calculation, as lease and XXX months rent receipts were not provided to support using tenant lease amount. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX XXX shows over XXX - Seller-XXX | Resolved-Upon further review the qualifying terms in the system were corrected. The DSCR is XXX. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX% is less than guideline maximum XXX%<br>Months Reserves exceed minimum required - Reserves:XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090450 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR calc provided. - Due Diligence Vendor-XXX<br> Counter-XXX Note provided. Qualifying P&I is $XXX. (Start Rate at Fully Amortized Payment) The Calculated DSCR of 'XXX' is less than the minimum DSCR per lender guidelines of 'XXX'. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. borrower score is over XXX for XXX score DSCR is over XXX<br> - Buyer-XXX<br> Counter-Received DSCR calculation-subject P&I is incorrect-$XXX. Please provide correct DSCR calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR worksheet showing over XXX - Seller-XXX <br> Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. DSCR worksheet showing over XXX - Seller-XXX | Resolved-DSCR calc provided. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX% is less than guideline maximum XXX%<br>Months Reserves exceed minimum required - Reserves:XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090450 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-The qualifying terms in the system were corrected. The DSCR is XXX. - Due Diligence Vendor-XXX<br> Counter-XXX Note provided. Qualifying P&I is $XXX. (Start Rate at Fully Amortized Payment) The Calculated DSCR of 'XXX' is less than the minimum DSCR per lender guidelines of 'XXX'. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. final CD shows that interest rate is XXX like on the DSCR worksheet the monthly XXX matches DSCR worksheet and PITI matches both DSCR worksheet and FInal CD - Buyer-XXX <br> Counter-Documentation is insufficient. DSCR is below XXX-DSCR calculation received reflects incorrect P&I. Finding remains. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. UW memo shows over XXX - Seller-XXX <br> Open-Loan does not meet guideline parameters for DSCR with DSCR < XXX - Interest only not permitted. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX XXX shows over XXX - Seller-XXX | Resolved-The qualifying terms in the system were corrected. The DSCR is XXX. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX% is less than guideline maximum XXX%<br>Months Reserves exceed minimum required - Reserves:XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090450 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received CD and Interest Only Note. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. final CD shows that interest rate is XXX like on the DSCR worksheet the monthly XXX matches DSCR worksheet and PITI matches both DSCR worksheet and FInal CD - Seller-XXX<br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. CD in the file reflects Intertest Only - the note does not reflect interest only or an interest only payment. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. final CD shows that interest rate is XXX like on the DSCR worksheet the monthly XXX matches DSCR worksheet and PITI matches both DSCR worksheet and FInal CD - Seller-XXX | Resolved-Received CD and Interest Only Note. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX% is less than guideline maximum XXX%<br>Months Reserves exceed minimum required - Reserves:XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090450 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received Interest Only Note. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Initial XXX account disclosure and XXX Note / Allonge to Promissory Note<br>- Buyer-XXX<br> Open-There are Issues Present on the Note that must be addressed. Verbiage on Note does not reflect an Interest Only Period however, final CD and tape state IO period.<br> - Due Diligence Vendor-XXX |  | Resolved-Received Interest Only Note. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX% is less than guideline maximum XXX%<br>Months Reserves exceed minimum required - Reserves:XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090450 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX score XXX<br> - Buyer-XXX<br> Open-Additional valuation product has not been provided. Missing Secondary valuation from approved vendor with acceptable scores, i.e. XXX, XXX, XXX, XXX, etc. which supports appraised value. - Due Diligence Vendor-XXX |  | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX% is less than guideline maximum XXX%<br>Months Reserves exceed minimum required - Reserves:XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090374 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. Waiving rent free letter. - Due Diligence Vendor-XXX<br> Counter-Exception provided for < XXX months housing history provided, however we are missing the Rent Free Letter from the spouse. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Exception Request - Buyer-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Borrower has no housing history. Mortgage is in spouse's name; however, the loan file is missing a rent free letter and does not own other REO with a XXX month housing history. Guideline - Borrowers who live rent free at their primary residence are not considered ineligible if they are an Experienced Investor that owns other REO that meets the<br> XXX-month housing history requirement as documented by acceptable mortgage payment history or free and clear ownership. A "rent-free" letter of explanation from the homeowner is required. Borrowers who do not have a complete XXX-month housing history are ineligible for the program. - Due Diligence Vendor-XXX |  | Waived-Document Uploaded. Client waiver applied to non-material finding with compensating factors. Waiving rent free letter. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX% is less than guideline maximum XXX%<br>Months Reserves exceed minimum required - Reserves:XXX | XXX fico<br> over XXX months of reserves<br> XXX% LTV ratio | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090362 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received business documentation. - Due Diligence Vendor-XXX<br> Ready for Review-Supporting Docs Uploaded - Buyer-XXX<br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing corporate documentation for XXX. which confirms borrower's permissible access and use of account. - Due Diligence Vendor-XXX |  | Resolved-Received business documentation. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - MIn XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX, actual XXX months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090362 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received business documentation and Deed Transfer. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-XXX <br> Open-Property Title Issue Title is currently vested in another entity, not borrower's disclosed LLC:<br> (XXX) Missing corporate documents for vested title holder XXX. Inc. to confirming business ownership; and borrower's legal permission to transact on it's behalf. <br> (XXX) Missing executed deed from XXX Inc. transferring title to XXX. - Due Diligence Vendor-XXX |  | Resolved-Received business documentation and Deed Transfer. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV:XXX<br>Long term residence - Borrower own primary residence from the past XXX years. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090358 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. Desk Review completed on XXX. - Due Diligence Vendor-XXX |  | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV:XXX<br>Long term residence - Borrower own primary residence from the past XXX years. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090358 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Received XXX Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX <br> Open-Borrower XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). XXX > XXX days - Due Diligence Vendor-XXX |  | Resolved-Received XXX Report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090364 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR_Calculator - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. Missing DSCR Calculation. - Due Diligence Vendor-XXX |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090364 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - XXX Borrower Identification Form | Resolved-Received photo ID. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DL and DSCR calc - Buyer-XXX<br> Open-Missing Disclosure - Patriot Act Borrower Identification Form. Missing DSCR Calculation. - Due Diligence Vendor-XXX |  | Resolved-Received XXX. - Due Diligence Vendor-0XXX | Credit history exceeds minimum required - The Borrower has XXX for more than XXX months on the credit history.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090364 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_XXX | Resolved-Received underwriting summary. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Seller loan approval/1008 equivalent - Buyer-XXX <br> Open-Approval/Underwriting Summary Not Provided. Missing Approval/Underwriting Summary. - Due Diligence Vendor-XXX |  | Resolved-Received underwriting summary. - Due Diligence Vendor-XXX | Credit history exceeds minimum required - The Borrower has XXX for more than XXX months on the credit history.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090373 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed XXX is Missing | Resolved-Received Executed XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX <br> Open-Borrower XXX Executed XXX is Missing Missing from loan file - Due Diligence Vendor-XXX |  | Resolved-Received Executed XXX - Due Diligence Vendor-XXX | Credit history exceeds minimum required - The Borrower has XXX for more than XXX months on the credit history.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090373 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received signed XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX Signed - Buyer-XXX<br> Open-Borrower XXX Returns Not Signed Not signed - Due Diligence Vendor-XXX |  | Resolved-Received signed XXX - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090396 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  | Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025090410 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal Description. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description missing. Exhibit A does not provide the legal description - Due Diligence Vendor-XXX |  | Resolved-Received Legal Description. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090367 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received revised income calculation worksheet. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. YTD earnings - Buyer-XXX<br> Open-The underwriter's income calculation worksheet reflects the YTD earnings averaged through XXX. However, the XXX form, which was completed XXX, did not have the "XXX" field completed. Loan file is missing documentation to verify the YTD earnings "thru" date. Additional conditions may apply. - Due Diligence Vendor-XXX |  | Resolved-Received revised income calculation worksheet. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Guidelines require XXX months of reserves. Qualifying reserves are XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090403 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-No Property Issues identified for the property. - Due Diligence Vendor-XXX <br> Open-Main dwelling is larger than the XXX not allowed. \*\*\*DSCR used in calculation used as a comp factor is awaiting pending information, see other findings. Finding remains open and material until DSCR listed on the client exception can be supported - Due Diligence Vendor-XXX |  | Resolved-No Property Issues identified for the property. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - XXX% DTI ratio, XXX% Max<br> Qualifying FICO score is at least XXX points above minimum for program - XXX qualifying FICO score, XXX minimum score required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090403 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received Transaction History for the XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Verification of transactions confirming receipt of rents for the main home and XXX within XXX days of closing<br> - Seller-XXX <br> Open-Missing XXX month proof of current receipt of the rental income from the XXX. If this cannot be provided, only rent from the main dwelling can be used which will result in a DSCR < XXX and max LTV of XXX% - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Verification of transactions confirming receipt of rents for the main home and XXX within XXX days of closing<br> - Seller-XXX | Resolved-Received Transaction History for the XXX. - Due Diligence Vendor-XXX | On time mortgage history exceeds guideline requirement - XXX<br> Qualifying FICO score is at least XXX points above minimum for program - XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090403 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisal confirming legal zoning and confirming XXX may be rented. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Updated appraisal with the zoning corrected to legal and with appraiser comments confirming the XXX can be legally rented (see comments at the bottom of page XXX) - Seller-XXX<br> Open-In order to use the XXX income, the appraiser must be able to verify with the building department that the accessory unit is a.) legal and b.) may legally be rented, this information is missing. The appraiser shows the subject as zone illegal which indicates the XXX may be illegal. If the XXX cannot be confirmed as legal and legally rented, then only rent from the main dwelling can be used which will result in a DSCR < XXX and max LTV of XXX% - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Updated appraisal with the zoning corrected to legal and with appraiser comments confirming the XXX can be legally rented (see comments at the bottom of page XXX) - Seller-XXX | Resolved-Received revised appraisal confirming legal zoning and confirming XXX may be rented. - Due Diligence Vendor-XXX | On time mortgage history exceeds guideline requirement - XXX<br> Qualifying FICO score is at least XXX points above minimum for program - XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090403 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI reflecting correct mortgagee. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. HOI attached - Buyer-XXX<br> Open-XXX Policy (Or XXX Policy if Subject Property is a XXX) is only Partially Provided The mortgagee clause reflects the previous lender being refinanced with the subject loan. The mortgagee clause must be updated with the new lender. - Due Diligence Vendor-XXX |  | Resolved-Received HOI reflecting correct mortgagee. - Due Diligence Vendor-XXX | On time mortgage history exceeds guideline requirement - XXX<br> Qualifying FICO score is at least XXX points above minimum for program - XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090403 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Borrower Affidavit - Seller-XXX<br> Open-The Business Purpose Affidavit Disclosure is Missing Per guides, for Debt Service Coverage Ratio (DSCR) Transactions, all loans require a borrower executed Business Purpose and Occupancy Affidavit. The borrower(s) mustacknowledge that the loan is a business purpose loan by completing and signing the appropriate sections of the Borrower Certification of Business Purpose Affidavit. The loan file is missing an executed Business Purpose and Occupancy Affidavit for both borrowers. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Borrower Affidavit - Seller-XXX | Resolved-Received business purpose affidavit. - Due Diligence Vendor-XXX | On time mortgage history exceeds guideline requirement - XXX<br> Qualifying FICO score is at least XXX points above minimum for program - XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090376 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received settlement statement executed by XXX officer. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. borrower estimate - Buyer-XXX<br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing version signed by XXX officer - Due Diligence Vendor-XXX |  | Resolved-Received settlement statement executed by XXX officer. - Due Diligence Vendor-XXX | On time mortgage history exceeds guideline requirement - XXX<br> Qualifying FICO score is at least XXX points above minimum for program - XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090388 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement worksheet. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. INCOME - Buyer-XXX<br> Open-The Borrower XXX Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-XXX |  | Resolved-Received business bank statement worksheet. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The Borrower has XXX months in reserves-XXX required<br> Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum XXX. |  | XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090388 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Months Income Verified is Missing | Resolved-Received XXX business bank statement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. business statement ending XXX - Buyer-XXX <br> Open-Income XXX Income Verified is Missing XXX acct # XXX statement for eitherXXX or XXX, whichever was used for qualifying. - Due Diligence Vendor-XXX |  | Resolved-Received XXX XXX business bank statement. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX. |  | XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090388 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. CDA Uploaded - Buyer-XXX<br> Open-CU score of XXX. Missing secondary valuation to support value - Due Diligence Vendor-XXX |  | Resolved-Received secondary valuation. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX. |  | XXX.pdf | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090452 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal - Due Diligence Vendor-XXX |  | Resolved-Legal description provided. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090366 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-CPA letter provided. - Due Diligence Vendor-XXX<br> Open-Borrower XXX 3rd Party VOE Prior to Close Missing All XXX income not provided - Due Diligence Vendor-XXX |  | Resolved-CPA letter provided. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090366 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Upon further review, this loan is full doc. - Due Diligence Vendor-XXX<br> Open-The Borrower XXX Bank Statement Summary/Lender Worksheet is Missing Missing XXX - Due Diligence Vendor-XXX |  | Resolved-Upon further review, this loan is full doc. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090366 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Rec'd Right To Choose Attorney or Attorney Preference. Finding Resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Right to Choose Own Attorney Disclosure - Seller-XXX <br> Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Right to Choose Own Attorney Disclosure - Seller-XXX | Resolved-Rec'd Right To Choose Attorney or Attorney Preference. Finding Resolved. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  | XXX.pdf | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090366 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | XXX is Missing | Resolved-Rec'd XXX disclosure. Finding Resolved. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. XXX - Seller-XXX<br> Open-The XXX disclosure is missing. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX - Seller-XXX | Resolved-Rec'd XXX disclosure. Finding Resolved. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  | XXX.pdf | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090366 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Rec'd Intent to Proceed. Finding Resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. intent - Buyer-XXX <br> Open- - Due Diligence Vendor-XXX |  | Resolved-Rec'd Intent to Proceed. Finding Resolved. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  | XXX.pdf | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090366 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090360 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received correct asset documentation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Gift letter $XXX - Buyer-XXX <br> Counter-Received documentation XXX is the owner of XXX, however he provided $XXX in gift funds and the Gift Letter states $XXX. Please provide the most recent Gift Letter. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Please see supporting documentation confirming that XXX is owner of XXX.<br> - Buyer-XXX <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing documentation that sufficiently sources closing funds wired to XXX agent per receipts provided which state funds were from "XXX" and XXX. Gift letter for $XXX from XXX is not consistent with funds provided as closing / XXX receipts. Other findings may apply after review of requested documents. - Due Diligence Vendor-XXX |  | Resolved-Received correct asset documentation. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090359 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing XXX-Credit | Resolved-Received XXX Addendum to the Note. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-Missing Prepayment Addendum to Note. Terms to be reviewed and confirmed upon receipt/review of missing document. - Due Diligence Vendor-XXX |  | Resolved-Received XXX to the Note. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> LTV is less than guideline maximum - LTV: XXX Max XXX<br> Months Reserves exceed minimum required - Reserves: XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090359 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - XXX Borrower Identification Form | Resolved-Received XXX Disclosure. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-Missing Disclosure - XXX Borrower Identification Form. Missing completed and signed XXX Disclosure. Form provided does not show borrower information. - Due Diligence Vendor-XXX |  | Resolved-Received XXX Disclosure. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> LTV is less than guideline maximum - LTV: XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX (including own funds) |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090359 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted to allow XXX financed properties over max exposure of XXX, Non-material waiver applied with comp factors. Deemed non-material due to experienced investor with long history of timely mortgage pay history.<br> - Due Diligence Vendor-XXX <br> Open-Borrower has XXX financed properties all going to lender which exceeds the guideline maximum of XXX. - Due Diligence Vendor-XXX |  | Waived-Client exception granted to allow XXX financed properties over max exposure of XXX, Non-material waiver applied with comp factors. Deemed non-material due to experienced investor with long history of timely mortgage pay history.<br> - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> LTV is less than guideline maximum - LTV: XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX (including own funds) | FICO XXX; DSCR XXX+; Reserves XXX-XXX over required; Credit History: XXX; LTV XXX% below max; Credit Profile Low usage/lower payments |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025090371 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-After further review, the XXX is acceptable to document short term rental income. - Due Diligence Vendor-XXX<br> Open-Short term rental was provided from the appraiser on the 1007. Per guides need annual or XXX months statements - Due Diligence Vendor-XXX |  | Resolved-After further review, the 1007 is acceptable to document short term rental income. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> LTV is less than guideline maximum - LTV: XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX (including own funds) |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090371 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved--Rec'd 1008 that reflects non-warrantable for XXX; finding resolved. - Due Diligence Vendor-XXX<br> Counter-Documentation received is insufficient-1008 reflects Type Q Limited Review and XXX. Provide corrected attest of XXX type. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-Missing Warrantability Documentation. Lender to attest if the project is warrantable or non-warrantable. - Due Diligence Vendor-XXX |  | Resolved--Rec'd 1008 that reflects non-warrantable for XXX; finding resolved. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090371 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Payment Letter | Resolved-Received XXX payment letter. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Payment letter to Borrower<br> - Buyer-XXX<br> Open-First Payment letter not found. - Due Diligence Vendor-XXX |  | Resolved-Received XXX payment letter. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090371 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received corrected post closing 1003 - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Updated Final 1003 - Permanant Resident - Buyer-XXX<br> Open-Final Loan application is missing/incomplete, in that the documents provided states borrowers are XXX. Citizens; however, identification provided states they are both Permanent Resident Aliens. - Due Diligence Vendor-XXX |  | Resolved-Received corrected post closing 1003 - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090371 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-The lender does not stack LTV adjustments. Max LTV is XXX%. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX <br> Open-Audited LTV of XXX% exceeds Guideline LTV of XXX% LTV Exceed guidelines for a XXX Cash Out with STR = XXX% - Due Diligence Vendor-XXX |  | Resolved-The lender does not stack LTV adjustments. Max LTV is XXX%. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090446 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated XXX statement provided - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Rebuttal: TPR did not use most recent balance XXX (See Image Below) $XXX balance as of XXX. Instead TPR used $XXX as of XXX which would be incorrect. Please find the assets to be sufficient and Finding Invalid. See attached updated XXX - Buyer-XXX<br> Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Borrower short funds by $XXX. Balances on asset worksheet and actual are different. - Due Diligence Vendor-XXX |  | Resolved-Updated Citi statement provided - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090442 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  | LTV is less than guideline maximum - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025090363 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-XXX |  | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090363 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd COC for decrease in lender credit. Finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. LE COC - Buyer-XXX<br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $XXX to $XXX without a valid XXX in file. Provide a XXX for decrease OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within XXX days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX |  | Resolved-Rec'd COC for decrease in lender credit. Finding resolved. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090363 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090411 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  | Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025090443 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | XXX: CD not delivered at least XXX days prior to consummation | Resolved-Received CD XXX with tracking - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX and tracking - Buyer-XXX <br> Open------ Missing initial CD acknowledged by borrower a minimum of XXX days prior to consummation. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX |  | Resolved-Received CD XXX with tracking - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090355 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Appraiser comments indicate the appraisal has been prepared in compliance with XXX. - Due Diligence Vendor-XXX<br> Open-Per guides, all appraisals must be ordered through an XXX Company (XXX). Loan file is missing evidence of XXX (Appraiser- Independence Requirements) / XXX documentation. - Due Diligence Vendor-XXX |  | Resolved-Appraiser comments indicate the appraisal has been prepared in compliance with XXX. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090355 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - XXX Borrower Identification Form | Resolved-Received XXX Disclosure. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting docs - Seller-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Open-Missing Disclosure - XXX Borrower Identification Form. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting docs - Seller-XXX | Resolved-Received XXXt Disclosure. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV ratio, XXX% maximum allowed.<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090355 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of XXX is greater than or equal to Guideline FICO of XXX. DSCR is over XXX utilizing actual rents. - Due Diligence Vendor-XXX<br> Open-Audited FICO of XXX is less than Guideline FICO of XXX The borrower was qualified with a DSCR of XXX and a credit score of XXX; however, the audited DSCR was XXX. It should be noted that the audited qualifying credit score was XXX. Loans with a DSCR less than XXX require a minimum FICO score of XXX The borrower's qualifying credit score does not meet the minimum required. - Due Diligence Vendor-XXX |  | Resolved-Audited FICO of XXX is greater than or equal to Guideline FICO of XXX. DSCR is over XXX utilizing actual rents. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV ratio, XXX% maximum allowed.<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090355 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Audited Loan Amount is less than or equal to the Guideline Maximum Loan Amount of $XXX. DSCR is over XXX utilizing actual rents. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX account showing monthly deposits of $XXX which support appraisal Market rents - Seller-XXX<br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $XXX The borrower was qualified with a DSCR of XXX and a loan amount of $XXX; however, the audited DSCR was XXX. The maximum loan amount when the DSCR is less than XXX is $XXX. The loan amount exceeds the maximum allowed. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX showing monthly deposits of $XXX which support appraisal Market rents - Seller-XXX | Resolved-Audited Loan Amount is less than or equal to the Guideline Maximum Loan Amount of $XXX. DSCR is over XXX utilizing actual rents. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV ratio, XXX% maximum allowed.<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090355 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR calc provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Docs - Seller-XXX<br> Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Docs - Seller-XXX | Resolved-DSCR calc provided. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV ratio, XXX% maximum allowed.<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090355 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_XXX | Resolved-1008 provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX<br> Open-Approval/Underwriting Summary Not Provided. Underwriting Summary (1008) missing from loan file. - Due Diligence Vendor-XXX |  | Resolved-1008 provided. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV ratio, XXX% maximum allowed.<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090369 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA dues. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Please see HOA fee info highlighted - Buyer-XXX<br> Open-Missing REO XXX - HOA dues not provided - Due Diligence Vendor-XXX |  | Resolved-Received HOA dues. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV ratio, XXX% maximum allowed.<br> Months Reserves exceed minimum required - XXX mos reserves; XXX mos required |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090369 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-XXX |  | Resolved-Received credit inquiry XXX. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090369 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-XXX |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090412 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  | Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025090354 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025090447 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | Right to Rescind | XXX | Resolved-Received PCCD XXX, disbursement date XXX. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. PCCD and Final SS to support disbursement after XXX - Buyer-XXX<br> Open-This loan failed the XXX of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the XXX business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-XXX |  | Resolved-Received PCCD XXX, disbursement date XXX. - Due Diligence Vendor-XXX |  |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090447 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | XXX: CD not delivered at least XXX days prior to consummation | Resolved-Received CD XXX w /proof of delivery - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX and tracking - Buyer-XXX<br> Open-Missing initial CD acknowledged by borrower a minimum of XXX days prior to consummation. Statute of Limitations XXX years- Expiration date is XXX<br> - Due Diligence Vendor-XXX |  | Resolved-Received CD XXX w /proof of delivery - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090390 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Asset XXX Does Not Meet Guideline Requirements | Resolved-Final CD provided confirms sufficient assets received from sale of home. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting doc - Buyer-XXX <br> Open-Asset Record XXX Does Not Meet G/L Requirements Missing the CD from the Sale of XXX with proceeds in the amount of $XXX. - Due Diligence Vendor-XXX |  | Resolved-Final CD provided confirms sufficient assets received from sale of home. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090352 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Fraud - Seller-XXX<br> Open-Missing Third Party Fraud Report Fraud Report is missing. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Fraud - Seller-XXX | Resolved-Received fraud report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.<br> LTV is less than guideline maximum - LTV is XXX%; guideline maximum is XXX%. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090352 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Received UDM. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX docs - Buyer-XXX<br> Open-Borrower XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). XXX is > XXX days. - Due Diligence Vendor-XXX |  | Resolved-Received XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090352 | XXX | D B A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd XXX for fee increase. Finding resolved. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. cic - Buyer-XXX<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----XXX (XXX%) tolerance fees increased by $XXX (Appraisal Departing Fee) without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX year- Expiration date is XXX. - Due Diligence Vendor-XXX |  | Resolved-Rec'd XXX for fee increase. Finding resolved. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090352 | XXX | D B A C | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | XXX is Missing | Waived-The XXX disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-The XXX disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090352 | XXX | D B A C | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090406 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-XXX<br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Borrower appears to have refinanced property, per Settlement Statement in file, on XXX. However, this property is not disclosed in the REO section of Final 1003, nor documented for monthly expense obligation. Settlement Statement does not spell out PITIA payment, and whether this is going to be the Primary Residence, therefore unable to ensure accurate DTI at audit review. Final 1003 reflects subject as Retained Primary, but all loan docs reflect Subject as Second Home. - Due Diligence Vendor-XXX |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090406 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received corrected 1003 - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Please see attached revised 1003 correcting subject property to XXX home. - Seller-XXX<br> Open-Loan docs reflect subject as XXX. However, Final 1003 REO section reflects subject as Retained Primary. Need to know what is accurate and what will be Primary residence. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Please see attached revised 1003 correcting subject property to XXX home. - Seller-XXX | Resolved-Received corrected 1003 - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090406 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated prelim reflecting sufficient coverage. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Updated report with correct Loan Amount. - Seller-XXX<br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). XXX Policy is only for $XXX. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Updated report with correct Loan Amount. - Seller-XXX | Resolved-Received updated prelim reflecting sufficient coverage. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090406 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Recorded mortgage with the legal attached. - Seller-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required attached legal description. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Recorded mortgage with the legal attached. - Seller-XXX | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090381 |  | XXX D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Revised 1003 provided correcting citizenship. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Borrower Citizenship Documentation Is Missing per 1003 Borrower is "XXX" - file is missing Borrower Citizenship Documentation - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Revised 1003 provided correcting citizenship. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090381 |  | XXX D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Lender confirmed this is a XXX prepay. - Due Diligence Vendor-XXX<br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: 'XXX' Diligence value 'XXX'. Per XXX. - Due Diligence Vendor-XXX |  | Resolved-Lender confirmed this is a XXX years prepay. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX<br> LTV is less than guideline maximum - LTV = XXX% - Max LTV = XXX% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090361 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received LE XXX with XXX and LE XXX with XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).XXX 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). -----XXX (XXX%) tolerance fees increased by $XXX (Discount Points fee and Appraisal Fee). The XXX dated XXX and XXX are in file however, the XXX that correspond with those dates are not in file. Provide missing LEs OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX- Expiration date is XXX - Due Diligence Vendor-XXX |  | Resolved-Received XXX XXX with XXX and XXX XXX with XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX<br> LTV is less than guideline maximum - LTV = XXX% - Max LTV = XXX% |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090350 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received corrected Tax Preparer letter. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. CPA Letter - Buyer-XXX<br> Open-The business stated in the tax agent's letter is misspelled and not the correct name of the borrower's business. - Due Diligence Vendor-XXX |  | Resolved-Received corrected Tax Preparer letter. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090350 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received exception request from originator. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Counter-Received clients approval email-missing exception request from originator. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-XXX letter provided to document borrower's ownership in business used toward income. Email from client is in file for exception waiver, however missing the exception request form listing the lender's comp factors. Finding remains open until this is received. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Received exception request from originator. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Borrower verified XXX months of PITIA reserves, XXX months minimum reserves required.<br> Qualifying FICO score is at least XXX points above minimum for program - XXX qualifying FICO score, XXX minimum score required. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090350 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Fraud Free & Clear - Seller-XXX<br> Counter-Received duplicate documentation-provide updated Fraud Report reflecting all High and XXX Alerts cleared and provide any applicable supporting documentation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Fraud - Seller-XXX<br> Open-Third Party XXX Partially Provided Alerts Summary Report in file; however, the complete fraud report is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Fraud Free & Clear - Seller-XXX<br> Ready for Review-Document Uploaded. Fraud - Seller-XXX | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Borrower verified XXX months of PITIA reserves, XXX months minimum reserves required.<br> Qualifying FICO score is at least XXX points above minimum for program - XXX qualifying FICO score, XXX minimum score required. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090350 | XXX | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Final CD XXX $XXX lender credit for increase in closing costs above legal limits. - Due Diligence Vendor-XXX<br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Final CD XXX $XXX lender credit for increase in closing costs above legal limits. - Due Diligence Vendor-XXX |  | Resolved-Final XXX XXX $XXX lender credit for increase in closing costs above legal limits. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Borrower verified XXX months of PITIA reserves, XXX months minimum reserves required.<br> Qualifying FICO score is at least XXX points above minimum for program - XXX qualifying FICO score, XXX minimum score required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090349 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-XXX |  | Resolved-Received fraud report. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Borrower verified XXX months of PITIA reserves, XXX months minimum reserves required.<br> Qualifying FICO score is at least XXX points above minimum for program - XXX qualifying FICO score, XXX minimum score required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090349 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Business Purpose - Buyer-XXX<br> Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit Disclosure - Due Diligence Vendor-XXX |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090349 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement reflecting sufficient coverage. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX to cover loan amount - Buyer-XXX<br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-XXX |  | Resolved-Received title supplement reflecting sufficient coverage. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090351 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR Cal - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. Missing DSCR calculation. - Due Diligence Vendor-XXX |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090380 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Upon further review, the title coverage is sufficient. - Due Diligence Vendor-XXX<br> Ready for Review-Please see page XXX of prelim. The amount shows $XXX. Not sure what amount you are looking for. - Buyer-XXX<br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title coverage. - Due Diligence Vendor-XXX |  | Resolved-Upon further review, the title coverage is sufficient. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> LTV is less than guideline maximum - LTV XXX%; max XXX%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090380 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. First time homebuyer living rent free, living rent free guides not met. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Lender Exception in file for first time homebuyer living rent free. Does not meet living rent free guides. - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors. First time homebuyer living rent free, living rent free guides not met. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Qualifying DTI below maximum allowed - Max DTI is XXX%; qualifying DTI is XXX%. | Credit Score: XXX<br> DTI: XXX<br> LTV: XXX | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025090348 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Qualifying DTI below maximum allowed - Max DTI is XXX%; qualifying DTI is XXX%. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025090444 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Exhibit "A" Legal Description. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. SUPPORTING DOCS - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal - Due Diligence Vendor-XXX |  | Resolved-Received Exhibit "XXX" Legal Description. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090444 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received 1004D Completion Report, porch is repaired. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. SUPPORTING DOCS - Buyer-XXX<br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (XXX) is not Present THE SECOND FLOOR REAR OPEN PORCH NEEDS TO BE REPAIRED. XXX Completion is missing from the file - Due Diligence Vendor-XXX |  | Resolved-Received XXX Completion Report, XXX is repaired. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090444 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received XXX Completion Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. SUPPORTING DOCS - Buyer-XXX<br> Open-Property Issues are identified for the property THE SECOND FLOOR REAR OPEN PORCH NEEDS TO BE REPAIRED. XXX completion cert is missing from the file - Due Diligence Vendor-XXX |  | Resolved-Received XXX Completion Report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090347 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received revised appraisal confirming long term rental only. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Appraisal was revised to show that long term rents were used to calculate the market rent due to the property being vacant from recent rehab and repairs. - Buyer-XXX <br> Open-Letter of explanation required to address the discrepancies for rental income type. The UW stated on 1008 that market rent was being utilized because subject is vacant due to upgrades being completed. However, the appraisal revision addendum on XXX indicates the property has short term rental and is currently XXX. Additional conditions may apply. - Due Diligence Vendor-XXX |  | Resolved-Received revised appraisal confirming long term rental only. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090370 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  | DSCR % greater than XXX - DSCR % is XXX<br> LTV is less than guideline maximum - XXX% LTV ratio, maximum allowed is XXX% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |

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## Exhibit 99.14

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.14**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2025090440 | XXX |  | XXX D A B |
| 2025090488 | XXX |  | XXX C A |
| 2025090487 | XXX |  | XXX D A B |
| 2025090437 | XXX |  | XXX D A |
| 2025090485 | XXX |  | XXX C A |
| 2025090435 | XXX |  | XXX D A |
| 2025090434 | XXX |  | XXX D A |
| 2025090476 | XXX |  | XXX D A |
| 2025090484 | XXX |  | XXX C A B |
| 2025090431 | XXX |  | XXX C A B |
| 2025090432 | XXX |  | XXX D A |
| 2025090489 | XXX |  | XXX C A |
| 2025090428 | XXX |  | XXX D A B |
| 2025090433 | XXX |  | XXX C D B A |
| 2025090479 | XXX |  | XXX D A |
| 2025090472 | XXX |  | XXX C A |
| 2025090427 | XXX |  | XXX C D A B |
| 2025090486 | XXX |  | XXX C A B |
| 2025090481 | XXX |  | XXX C A B |
| 2025090466 | XXX |  | XXX C A B |
| 2025090480 | XXX |  | XXX B A |
| 2025090477 | XXX |  | XXX D A B |
| 2025090468 | XXX |  | XXX A |
| 2025090469 | XXX |  | XXX C A |
| 2025090424 | XXX |  | XXX D A |
| 2025090483 | XXX |  | XXX C A |
| 2025090475 | XXX |  | XXX C A |
| 2025090467 | XXX |  | XXX D A B |
| 2025090465 | XXX |  | XXX C A B |
| 2025090471 | XXX |  | XXX D A |
| 2025090422 | XXX |  | XXX D C A |
| 2025090473 | XXX |  | XXX D A |
| 2025090463 | XXX |  | XXX A |
| 2025090375 |  | XXX | XXX D C A B |
| 2025090464 | XXX |  | XXX A |
| 2025090458 | XXX |  | XXX A |
| 2025090420 | XXX |  | XXX A C |
| 2025090460 | XXX |  | XXX A |
| 2025090453 | XXX |  | XXX C A |
| 2025090419 | XXX |  | XXX D B A |
| 2025090417 | XXX |  | XXX D A |
| 2025090457 | XXX |  | XXX A |
| 2025090394 | XXX |  | XXX D A B |
| 2025090423 | XXX |  | XXX D A |
| 2025090392 | XXX |  | XXX A C B |
| 2025090404 | XXX |  | XXX C A |
| 2025090454 | XXX |  | XXX A |
| 2025090416 | XXX |  | XXX D C A B |
| 2025090409 | XXX |  | XXX D A |
| 2025090429 | XXX |  | XXX D C A B |
| 2025090456 | XXX |  | XXX A C |
| 2025090455 | XXX |  | XXX C A B |
| 2025090385 | XXX |  | XXX D C A B |
| 2025090413 | XXX |  | XXX C B A |
| 2025090425 | XXX |  | XXX D B A |
| 2025090414 | XXX |  | XXX D C A |
| 2025090402 | XXX |  | XXX A C |
| 2025090462 | XXX |  | XXX D A B |
| 2025090474 | XXX |  | XXX C A B |
| 2025090470 | XXX |  | XXX A |
| 2025090421 | XXX |  | XXX D A |
| 2025090408 | XXX |  | XXX C A |
| 2025090398 | XXX |  | XXX D A |
| 2025090393 | XXX |  | XXX D B A |
| 2025090459 | XXX |  | XXX A |
| 2025090384 | XXX |  | XXX D A |
| 2025090400 | XXX |  | XXX D A |
| 2025090415 | XXX |  | XXX A |
| 2025090395 | XXX |  | XXX D A |
| 2025090389 | XXX |  | XXX C A |
| 2025090407 | XXX |  | XXX C A B |
| 2025090461 | XXX |  | XXX D A C |
| 2025090405 | XXX |  | XXX A C |
| 2025090397 | XXX |  | XXX A |
| 2025090448 | XXX |  | XXX A D |
| 2025090391 | XXX |  | XXX C A B |
| 2025090382 | XXX |  | XXX C B A |
| 2025090379 | XXX |  | XXX D B A |
| 2025090387 | XXX |  | XXX A |
| 2025090449 | XXX |  | XXX A C |
| 2025090365 | XXX |  | XXX A |
| 2025090451 | XXX |  | XXX A |
| 2025090386 | XXX |  | XXX A B |
| 2025090418 | XXX |  | XXX C A |
| 2025090401 |  | XXX | XXX D A B |
| 2025090450 | XXX |  | XXX D A |
| 2025090374 | XXX |  | XXX C A B |
| 2025090362 | XXX |  | XXX C A |
| 2025090358 | XXX |  | XXX D A |
| 2025090364 | XXX |  | XXX D A |
| 2025090373 | XXX |  | XXX D A |
| 2025090396 | XXX |  | XXX A |
| 2025090410 | XXX |  | XXX C A |
| 2025090367 | XXX |  | XXX C A |
| 2025090403 | XXX |  | XXX D A |
| 2025090376 | XXX |  | XXX D A |
| 2025090388 | XXX |  | XXX D A |
| 2025090452 | XXX |  | XXX C A |
| 2025090366 | XXX |  | XXX D A B |
| 2025090360 | XXX |  | XXX C A |
| 2025090359 | XXX |  | XXX D A B |
| 2025090371 | XXX |  | XXX C A |
| 2025090446 | XXX |  | XXX C A |
| 2025090442 | XXX |  | XXX A |
| 2025090363 | XXX |  | XXX C A B |
| 2025090411 | XXX |  | XXX A |
| 2025090443 | XXX |  | XXX A C |
| 2025090355 | XXX |  | XXX D A |
| 2025090369 | XXX |  | XXX D A |
| 2025090412 | XXX |  | XXX A |
| 2025090354 | XXX |  | XXX A |
| 2025090447 | XXX |  | XXX A C |
| 2025090390 | XXX |  | XXX C A |
| 2025090352 | XXX |  | XXX D C A B |
| 2025090406 | XXX |  | XXX D A |
| 2025090381 |  | XXX | XXX D A |
| 2025090361 | XXX |  | XXX A C |
| 2025090350 | XXX |  | XXX D C A |
| 2025090349 | XXX |  | XXX D A |
| 2025090351 | XXX |  | XXX D A |
| 2025090380 | XXX |  | XXX C A B |
| 2025090348 | XXX |  | XXX A |
| 2025090444 | XXX |  | XXX C A |
| 2025090347 | XXX |  | XXX D A |
| 2025090370 | XXX |  | XXX A |

---

## Exhibit 99.15

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.15**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2025090487 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Review excluded a portion of large deposit confirmed to be an excess deposit refund for $XXX |
| 2025090437 | XXX |  | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | Qualified Borrower income XXX. |
| 2025090434 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit used higher XXX amount. |
| 2025090431 | XXX |  | XXX | Term | notePage | XXX | XXX | Per Note in File |
| 2025090431 | XXX |  | XXX | Property Zip Code | notePage | XXX | XXX | Per Note in File - Hand corrected |
| 2025090431 | XXX |  | XXX | Lender Name | notePage | XXX | XXX | Per Note in File |
| 2025090431 | XXX |  | XXX | First Payment Date | notePage | XXX | XXX | Per Note in File |
| 2025090431 | XXX |  | XXX | Maturity Date | notePage | XXX | XXX | Per Note in File |
| 2025090432 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI In line with 1008 |
| 2025090489 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches lender calculation on worksheet |
| 2025090433 | XXX |  | XXX | Loan Amount | notePage | XXX | XXX | Per Note |
| 2025090433 | XXX |  | XXX | Interest Rate | notePage | XXX | XXX | Per Note |
| 2025090433 | XXX |  | XXX | Refinance Type | the1003Page | XXX | XXX | per final CD; Exception in file to call rate/term |
| 2025090433 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Audit matches 1008 |
| 2025090433 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches 1008 |
| 2025090466 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches Lender's DSCR Calculation |
| 2025090477 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches Lender's DSCR Calculation |
| 2025090469 | XXX |  | XXX | Property City | notePage | XXX | XXX | Per Note |
| 2025090424 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Audit used lower Representative Credit Score of all borrowers. |
| 2025090424 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Reviewed value is the same as the lender calculation. |
| 2025090483 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches Lender's DSCR Calculation |
| 2025090467 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches Lender's DSCR Calculation |
| 2025090465 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Lender used different amount for property taxes |
| 2025090473 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | In line with file 1008 |
| 2025090463 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | audit DSCR match with Lender DSCR Calculation exactly |
| 2025090458 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches Lender's DSCR Calculation |
| 2025090460 | XXX |  | XXX | Property Zip Code | notePage | XXX | XXX | per Note |
| 2025090460 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | audit DSCR match with DSCR XXX |
| 2025090453 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal and title |
| 2025090419 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Per 1008. |
| 2025090417 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | loan amount/appraisal value |
| 2025090457 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches DSCR calculation in file |
| 2025090423 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | As per audit, appraisal, etc |
| 2025090423 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | As per audit, lender match  |
| 2025090454 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches Lender DSCR Calculation. |
| 2025090429 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal |
| 2025090456 | XXX |  | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | Per loan approval and bank statement calc worksheet provided. |
| 2025090455 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit excluded installment loan with less than XXX payments. |
| 2025090413 | XXX |  | XXX | Loan Amount | notePage | XXX | XXX | per note |
| 2025090425 | XXX |  | XXX | Property City | notePage | XXX | XXX | Per note |
| 2025090425 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per XXX |
| 2025090402 | XXX |  | XXX | Property City | notePage | XXX | XXX | Per Note |
| 2025090462 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches with Lender Calculation |
| 2025090474 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches with Lender Calculation |
| 2025090470 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches lenders calcs. |
| 2025090421 | XXX |  | XXX | Property Address | notePage | XXX | XXX | Per Note. |
| 2025090398 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Variance due to lender not including HOA |
| 2025090459 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches 1008 |
| 2025090384 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Primary wage earner for alt doc |
| 2025090384 | XXX |  | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | Per income in the file. |
| 2025090389 | XXX |  | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | Per Client reviewed as XXX year full doc |
| 2025090389 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches 1008 |
| 2025090407 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches 1008 |
| 2025090461 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches 1008 |
| 2025090405 | XXX |  | XXX | Loan Amount | notePage | XXX | XXX | Per Note |
| 2025090391 | XXX |  | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | Asset depletion (DTI) per 1008 |
| 2025090382 | XXX |  | XXX | Loan Amount | notePage | XXX | XXX | Per Note |
| 2025090379 | XXX |  | XXX | Loan Amount | notePage | XXX | XXX | Per Note |
| 2025090379 | XXX |  | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | Per income documents in file |
| 2025090379 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report, mid score |
| 2025090449 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches with Lender Calculation |
| 2025090365 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report middle score |
| 2025090365 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches Lender's DSCR Calculation |
| 2025090386 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per 1008 |
| 2025090418 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches Lender's 1008 |
| 2025090401 |  | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Variance due to Audit including payment for collection |
| 2025090374 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Market Rent/PITIA, Lender DSCR breakdown not provided |
| 2025090362 | XXX |  | XXX | Refinance Type | the1003Page | XXX | XXX | Per settlement statement, XXX being paid off is seasoned |
| 2025090362 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches with Lender Calculation |
| 2025090358 | XXX |  | XXX | Loan Amount | notePage | XXX | XXX | Per Note. |
| 2025090373 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | loan amount/appraisal value |
| 2025090396 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per Appraisal |
| 2025090367 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Variance due to Lender including an auto loan that was paid off |
| 2025090376 | XXX |  | XXX | Property Zip Code | notePage | XXX | XXX | Per Note. |
| 2025090388 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches Lender's 1008 |
| 2025090359 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit in line with lender calc |
| 2025090446 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit and lender match with actual rent and PITIA |
| 2025090411 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI within XXX% of the 1008 |
| 2025090355 | XXX |  | XXX | Borrower 1 Last Name | notePage | XXX | XXX | Per Note |
| 2025090355 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per XXX |
| 2025090355 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per loan approval |
| 2025090355 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Lender DSCR is XXX on loan approval |
| 2025090412 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Asset utilization-no DTI. 1008 has no income/DTI |
| 2025090352 | XXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per Appraisal |
| 2025090352 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Variance due to Audit calculating positive rental income on XXX |
| 2025090406 | XXX |  | XXX | Loan Amount | notePage | XXX | XXX | Per Note. |
| 2025090406 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per Appraisal |
| 2025090406 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per 1008 |
| 2025090381 |  | XXX | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | Per XXX |
| 2025090381 |  | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX | loan amount/appraisal value |
| 2025090381 |  | XXX | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX | Per appraisal |
| 2025090381 |  | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | loan amount/appraisal value |
| 2025090350 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit in line with 1008-tape source unknown |
| 2025090380 | XXX |  | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | Tape reflects XXX months. However, income docs provided confirm this is XXX month XXX. |
| 2025090380 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matched Lender Final 1003 and 1008 exactly. |
| 2025090444 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | rent schedule used. dscr XXX in file confirmes lender used leases which are not in file |
| 2025090347 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit used 'market rent/PITI' variance is due to UW using a higher XXX payment. |
| 2025090370 | XXX |  | XXX | Property Address | notePage | XXX | XXX | per Note |

---

## Exhibit 99.16

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.16**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2025090440 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0915 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0915 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXX |
| 2025090488 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090487 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .2251 | 1004 URAR |  |  |  |  | XXX | XXX | .2251 | XXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX | .2251 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090437 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXX |
| 2025090485 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090435 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 1.8 | XXX |
| 2025090434 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Stewart | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090476 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090484 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090431 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Stewart | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090432 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090489 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090428 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX |
| 2025090433 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0060 | 1004 URAR |  |  |  |  | XXX | XXX | -.0060 | XXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX | -.3976 | Clear Capital | High | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090479 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090472 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090427 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1.9 | XXX |
| 2025090486 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090481 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090466 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025090480 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXX |
| 2025090477 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090468 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090469 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090424 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090483 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090475 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090467 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090465 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090471 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090422 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 1 | XXX |
| 2025090473 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090463 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090375 |  | XXX | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0476 | 1004 URAR |  |  |  |  | XXX | XXX | .0476 | XXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090464 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090458 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090420 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025090460 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090453 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090419 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090417 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090457 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090394 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025090423 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090392 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025090404 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 1 | XXX |
| 2025090454 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090416 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible | 1 | XXX |
| 2025090409 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXX |
| 2025090429 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXX |
| 2025090456 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090455 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090385 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXX |
| 2025090413 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0118 | 1004 URAR |  |  |  |  | XXX | XXX | -.0118 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXX |
| 2025090425 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0504 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0504 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090414 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090402 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Consolidated Analytics | N/A | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090462 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXX |
| 2025090474 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXX |
| 2025090470 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090421 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090408 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090398 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090393 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXX |
| 2025090459 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090384 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090400 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible | 1 | XXX |
| 2025090415 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090395 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090389 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090407 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025090461 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090405 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025090397 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXX |
| 2025090448 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025090391 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 1 | XXX |
| 2025090382 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX |
| 2025090379 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090387 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible | 1 | XXX |
| 2025090449 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090365 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090451 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090386 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090418 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 1 | XXX |
| 2025090401 |  | XXX | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025090450 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025090374 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025090362 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXX |
| 2025090358 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXX |
| 2025090364 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Stewart | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090373 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090396 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXX |
| 2025090410 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025090367 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible | 1 | XXX |
| 2025090403 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXX |
| 2025090376 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090388 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXX |
| 2025090452 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090366 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090360 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025090359 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090371 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXX | Not Eligible |  |  |
| 2025090446 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090442 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |
| 2025090363 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible | 1 | XXX |
| 2025090411 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXX |
| 2025090443 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090355 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090369 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0253 | 1004 URAR |  |  |  |  | XXX | XXX | .0253 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXX |
| 2025090412 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 1.7 | XXX |
| 2025090354 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible | 2.1 | XXX |
| 2025090447 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090390 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXX |
| 2025090352 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 1 | XXX |
| 2025090406 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025090381 |  | XXX | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXX |
| 2025090361 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025090350 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0054 | 1004 URAR |  |  |  |  | XXX | XXX | -.0054 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025090349 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0067 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0067 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX |
| 2025090351 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025090380 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025090348 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX |
| 2025090444 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090347 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090370 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.17

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.17**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of Angel Oak Mortgage Fund EU B LLC (the "Client"). The review included a total of 342 newly originated residential mortgage loans, in connection with the securitization identified as Angel Oak Mortgage Trust 2025-9 (the "Securitization"). The Review was conducted from November 2022 through July 2025 on mortgage loans originated between October 2022 and June 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;j. General
 QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing
 Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing
 for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to the
 applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to the
 applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than the applicable dollar
 amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing
 for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than the applicable
 dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing
 for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home with a loan amount
 equal to or greater than the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider
 Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's
 current or reasonably expected income or assets (other than the value of the dwelling
 that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification
 of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification
 in compliance with one of the "safe harbor" guidelines will meet the QM verification
 requirement. A creditor is allowed to "mix and match" provisions of the different
 guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections
 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June
 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections
 II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing
 Policy Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February
 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter
 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct
 Single Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family
 Guaranteed Loan Program, revised March 19, 2020.

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (342 loans in total):

Two hundred thirty-three (233) loans had CU scores of 2.5 or less or were eligible for Collateral Rep and Warranty relief.

Twenty-nine (29) loans had an AVM, thirteen (13) loans had Secondary Appraisals, and ninety-four (94) loans had a Desktop Review. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product was completed. There were three (3) instances of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 342 mortgage loans reviewed, two hundred sixteen (216) unique mortgage loans (63.16% by loan count) had a total of five hundred (500) tape discrepancies across twenty-one (21) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy<br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;162 | &nbsp;&nbsp;32.40% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;129 | &nbsp;&nbsp;25.80% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;110 | &nbsp;&nbsp;22.00% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;24 | &nbsp;&nbsp;4.80% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;22 | &nbsp;&nbsp;4.40% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;11 | &nbsp;&nbsp;2.20% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;11 | &nbsp;&nbsp;2.20% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.80% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.40% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;Gross Rent | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;Property_Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;Loan_Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;Grand Total | &nbsp;&nbsp;500 | &nbsp;&nbsp;100.00% |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 305 | $156326848.00 | 89.18% |
| Event Grade B | 37 | $18856760.00 | 10.82% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 342 | $175183608.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 320 | 93.57% |
| Event Grade B | 22 | 6.43% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 342 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 330 | 96.49% |
| Event Grade B | 12 | 3.51% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 342 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 339 | 99.12% |
| Event Grade B | 3 | 0.88% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 342 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception <br> Type | &nbsp;&nbsp;Exception <br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;235 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Expired | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;3 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower residency documentation not provided or issue with documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 1 Credit Report is Expired | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 4 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Minimum Credit Score Requirement Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Credit Report is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Buydown Agreement Missing or Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 residency documentation not provided or issue with documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Closing Protection Letter Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income 1 Months Income Verified is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit Report Aged | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Active Litigation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing final HUD-1 from sale of non-subject property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 CPA Letter Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HO6 Insurance Policy Effective Date is after the Note Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HO-6 Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower Contributions Do Not Met Guideline Minimum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Borrower does not meet residual income requirement | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;1-4 Family Rider is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***367*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit Event – Requirement Not Met | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Payment shock exceeds lender guidelines | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Payment shock exceeds guideline | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Tradelines do not meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Unacceptable Mortgage History | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***29*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;90 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;41 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Credit Score Disclosure (FACTA) | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TX Constitution A6 Required Fees Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Timing of Disclosure Test | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;High-Cost Mortgage Pre-Loan Counseling Date Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Right of Rescission is Partially Provided | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Buy Down Buy Up Disclosure Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Collateral Protection Notice is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Higher-Priced Mortgage Loan Required Escrow Account Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***200*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;High-Cost Mortgage Points and Fees Threshold Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***13*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Questionnaire Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Secondary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Short Term Rental Documentation Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Market Rent - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***186*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property – Square Footage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Condo project is ineligible | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |

---

**Event Grade Definitions**

---

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

---

---

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

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

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

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## Exhibit 99.18

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.18**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 2025090340 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090340 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090340 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090024 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090024 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090024 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090332 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The final 1003 reflects the borrower and co-borrower each earn $XXX or $XXX per month. The Credit Risk Summary & Exception Approval reflects the total income is $XXX. The Final 1003, Section XXX: XXX Information-XXX has XXX XXX with no taxes or insurance listed. Provide a complete and signed Final 1003 with the correct income and the Section XXX: XXX Information-XXX completed. | Client provided attached document in response. | XXX | The Final 1003 is Present; Document Uploaded. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090332 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX 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). XXX cure required:<br> Refund in the amount of $XXX<br> The XXX tolerance violation in the amount of $XXX is due to the addition of the XXX Reinspection fee on the revised XXX issued on XXX; Need evidence of a valid XXX, XXX or proof of refund check to the borrower in the amount of $XXX. | Document Uploaded. | XXX | Valid XXX provided; Exception resolved; Valid XXX provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090332 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file is missing proof of insurance for XXX Property XXX. XXX and property XXX. Provide proof of insurance for Property XXX. | Document Uploaded. | XXX | ; An updated final 1003 was provided removing the properties listed in the original condition. Please provide documentation to confirm XXX and XXX are not owned by the Borrower. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090332 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing The XXX is missing. | Document Uploaded. | XXX | Homeownership Counseling Disclosure Is Present or Not Applicable | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090332 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090288 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090288 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090288 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090321 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | XXX Cure Required. Refund in the amount of $XXX; cure package requires a XXX, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the appraisal fee. The XXX in file does not explain why the fee increased. 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).XXX 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). | Document Uploaded. | XXX | Valid XXX provided; exception resolved; Valid XXX provided; exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090321 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090321 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090321 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090281 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Buy Down Buy Up Disclosure Missing | The buy down buy up agreement is missing The subject XXX is XXX XXX XXX XXX Statements. The lender a copy of the XXX Agreement. The CD reflects the seller paid $XXX for the XXX. The XXX Agreement is not in the file. Provide a signed copy of the XXX Agreement | Document Uploaded. | XXX | The buy down buy up agreement provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090281 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Buydown Agreement Missing or Partially Provided | XXX Agreement Missing or Partially Provided. The subject XXX is XXX XXX XXX XXX Statements. The lender a copy of the XXX Agreement. The CD reflects the seller paid $XXX for the XXX. The XXX Agreement is not in the file. Provide a signed copy of the XXX Agreement | Document Uploaded. | XXX | Buydown Agreement Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090281 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 XXX Credit Report is Missing | Borrower XXX XXX Credit Report is Missing The lender requires a XXX Report within XXX days of closing. The file is missing the XXX day XXX Report. Provide a copy of the Lender's XXX day XXX Report. | Document Uploaded. | XXX | Borrower 1 XXX Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090281 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 2 XXX Credit Report is Missing | Borrower XXX XXX Credit Report is Missing The lender requires a XXX Report within XXX days of closing. The file is missing the XXX day XXX Report. Provide a copy of the Lender's XXX day XXX Report. | Document Uploaded. | XXX | Borrower 2 XXX Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090281 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090344 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090344 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090344 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure. | Document Uploaded. | XXX | Homeownership Counseling Disclosure Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the XXX, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The subject loan closed XXX. The Lender requires a XXX Credit Report pulled within XXX days of the Note date. The XXX Credit Report in file is over XXX days old. Provide a XXX Credit Report pulled within XXX days of the Note date. | Document Uploaded. | XXX | Borrower 1 XXX Credit Report is not expired. received an updated gap report. Borrower has a higher monthly liability but is within guideline requirements. Updated 1008 and XXX also provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. The credit report in file is dated XXX. Per the Credit Score Disclosure the origination credit report was pulled XXX. Provide the origination credit dated XXX. | Document Uploaded. | XXX | Borrower 1 Credit Report is not partially present. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide proof of insurance for XXX. | Document Uploaded. | XXX | Property is in the name of an LLC and paid by the business as documented. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% | Good morning. Can you please advise what is causing the DTI? Thanks | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 Business Bank Statements Missing | Borrower XXX XXX Statements Missing The subject XXX is XXX month XXX Statement. Per the Income Worksheet provided in the file the account used for income is XXX, XXX. The file is missing XXX bank statements for account ending in #XXX. Provide bank statements XXX for account ending #XXX for income re-calculation. | Document Uploaded. Per the UW the act number was incorrect on the bk statement wksheet. Attached is the revised one. Please let me know if you need anything else.<br>Thanks,  | XXX | Borrower 1 Business Bank Statements Provided; Income worksheet was provided and shows the account information located in the loan file. Reviewed and confirmed the amounts - cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Income 1 Months Income Verified is Missing | Income XXX Months Income Verified is Missing The subject XXX is XXX month XXX Statement. Per the Income Worksheet provided in the file the account used for income is XXX, XXX. The file is missing XXX bank statements for account ending in #XXX. Provide bank statements XXX for account ending #XXX for income re-calculation. | Document Uploaded. Per the UW the act number was incorrect on the bk statement wksheet. Attached is the revised one. Please let me know if you need anything else.<br>Thanks,  | XXX | Income 1 Months Income Verified is Present Or Not Applicable; Income worksheet was provided and shows the account information located in the loan file. Reviewed and confirmed the amounts - cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The subject XXX is XXX month XXX Statement. Per the Income Worksheet provided in the file the account used for income is XXX, XXX. The file is missing XXX bank statements for account ending in #XXX. | Document Uploaded. Per the UW the act number was incorrect on the bk statement wksheet. Attached is the revised one. Please let me know if you need anything else.<br>Thanks,  | XXX | Income and Employment Meet Guidelines; Income worksheet was provided and shows the account information located in the loan file. Reviewed and confirmed the amounts - cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party XXX Prior to Close Missing | Borrower XXX 3rd Party XXX Prior to Close Missing The Lender requires a Verbal Verification of Employment to be completed within XXX days of the Note date or after the Note date. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of the Note date or after the Note date. |  |  | Borrower 1 XXX Party XXX Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 has a mortgage with XXX #XXX listed in Sec XXX-Liabilites. The XXX should be listed in Section XXX: XXX Information-XXX is missing XXX, the borrower purchased the property XXX with a loan amount of $XXX. Provide a complete and executed Final 1003 that includes XXX. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090341 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090341 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090341 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090325 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing There is no verification of the continuity of the borrower's business obtained within XXX days of the closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090325 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing The XXX disclosure is missing. | Document Uploaded. | XXX | Homeownership Counseling Disclosure Is Present or Not Applicable | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090325 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The XXX is missing. | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090325 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090325 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX 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). XXX XXX Cure Required. Refund in the amount of $XXX; cure package requires a XXX, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal Fee. The increase to the appraisal fee on the XXX issued XXX was not accepted. | Document Uploaded. | XXX | Valid XXX provided; exception resolved; Valid XXX provided; exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090320 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX full appraisals in file. No XXX required | Document Uploaded. Second appraisal provided, XXX appraisals are required due to XXX size | XXX | Third party valuation product provided within tolerance. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090320 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX |  |  | Audited Loan Amount of $XXX is less than or equal to the Guideline Maximum Loan Amount of $XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090320 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing | Document Uploaded. Final 1003 provided | XXX | The Final 1003 is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090320 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing The XXX is missing | Document Uploaded. ; Document Uploaded. | XXX | Homeownership Counseling Disclosure provided, exception resolved.; Homeownership Counseling Disclosure Is Present or Not Applicable; The document provided does not show the borrower was provided a list of the XXX closest housing counselors with this document as required by the regulation. Provide the list of counselors in order to resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090320 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the XXX, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The XXX report is exactly XXX days prior to loan closing, XXX days from the day the XXX period ended. | The expiration date is based on the note date vs the disbursement date. The XXX report is within the required timeline. | XXX | Borrower 1 XXX Credit Report is not expired. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090320 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090293 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | The carrying costs of the other XXX owned are stated, but not verified. Tax bills, insurance policies, and homeowners association dues need to be collected for each of the XXX properties that are not being shown as having mortgage financing. | Document Uploaded. Uploaded on-line lookup. See pg 3 under Community Details - states no HOA.; Document Uploaded. Uploaded LOX from XXX stating no insurance or HOA dues on properties not mortgaged. Uploaded XXX report showing mortgage on primary was released so borr owns free and clear. Uploaded Fraud report because UW used the tax amounts for the REO properties shown on that report (staring on page XXX). | XXX | ; Please provide documentation to confirm property located at XXX, XXX, XXX does not have any HOA dues (that property is not reflected on the LOX since it has a mortgage). Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090293 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 XXX Credit Report is Missing | Borrower XXX XXX Credit Report is Missing The lenders credit report is not included in the file | Document Uploaded. Uploaded XXX report. | XXX | Borrower 1 XXX Credit Report is not missing. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090293 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090293 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090337 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090337 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090337 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090256 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX required: A refund in the amount of $XXX, cure package: XXX with XXX, copy of refund and proof of delivery. The Lender credit decreased on the PCCD issued XXX and no cure was given for the decrease. | Document Uploaded. Uploaded cure docs. | XXX | cure package provided, exception downgraded to a XXX; cure package provided, exception downgraded to Axxx | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090256 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090256 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090343 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The XXX credit report is greater than XXX days of consummation date of XXX | Document Uploaded. | XXX | Borrower 1 XXX Credit Report is not expired. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090343 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090343 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090316 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Missing final XXX from sale of non-subject property | The file is missing the Closing CD from the Sale of XXX. The Underwriter required a copy of the fully executed XXX from the sale of XXX, the borrower's current residence.  | Document Uploaded. | XXX |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090316 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | XXX: Current Employment Not Verified | XXX: Current Employment Not Verified The Lender requires a XXX Verification of Employment be completed within XXX (XXX) days of the closing date. The file is missing the required XXX Verification of Employment. | Document Uploaded. | XXX | XXX: Current Employment Was Verified | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090316 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment be completed within XXX (XXX) days of the closing date. The file is missing the required Verbal Verification of Employment. Provide the required Verbal Verification of Employment. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090316 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing The XXX is missing from the loan file. | Document Uploaded. | XXX | Homeownership Counseling Disclosure Is Present or Not Applicable | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090316 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The XXX is missing from the loan file. | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090316 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090239 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090239 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090239 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090211 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090211 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090211 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090019 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX XXX required: A refund in the amount of $XXX, cure package: XXX with XXX, copy of refund and proof of delivery. The Mortgage recording fee increased on the final CD issued XXX, per the coc issued XXX, a flat fee filed should've been issued on the initial disclosure; therefore, the coc is invalid. | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided, exception downgraded to a XXX; Cure package provided, exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090019 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090019 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090227 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090227 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090227 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090257 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | XXX XXX cure required:<br> Refund in the amount of $XXX, cure package: XXX with XXX, copy of refund and proof of delivery.<br> The XXX% tolerance violation in the amount of $XXX is due to an increase in title fees (Settlement, Administration, XXX and Abstract) added to the CD issued XXX without a valid reason. The XXX is missing for title fees to determine if Lender provider was utilized or borrower shopped. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090257 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090257 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090162 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The borrower was credited with the funds wired as a XXX, and all deposit accounts were used as of the closing date. The borrower is short funds to have XXX months reserves as required by guidelines. | Document Uploaded. | XXX | Audited Reserves of $XXX are equal to or greater than XXX Required Reserves of $XXX.; ; There was a $XXX gift wired to XXX, however, only $XXX of that gift was credited on page XXX of the CD resulting in $XXX still remaining for the Borrower to bring to closing which is causing the insufficient reserves. Please provide documentation to support the full amount of the gift was credited to the Borrower at closing. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090162 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% The borrower was gifted $XXX which paid all the costs associated with the purchase of the XXX. | Document Uploaded. | XXX | Borrower Contributions Meet Guidelines; ; Per Section XXX of guidelines, XXX% gift funds are allowed for down payment after the Borrower's minimum down payment of XXX% has been met. The Borrower received a $XXX gift wired to closing, therefore, the minimum XXX% of the Borrower's own funds requirement was not met. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090162 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower residency documentation not provided or issue with documentation | The borrower's employment authorization, category XXX, is not on the lender's approved list of XXX types to qualify XXX. | Document Uploaded. | XXX |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090162 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090162 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090266 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090266 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090266 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090175 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | The taxes and association fees for the property at XXX are stated, not verified. The association fees for the property at XXX are stated but not verified. The XXX and association due XXX are needed to clear the exception. | Document Uploaded. Pls note the Bwrs XXX address is XXX not XXX AND Bwr owns XXX Free/Clear therefore NO XXX is req'd | XXX |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090175 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance XXX coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). The lender used the replacement cost from the appraisal to determine that the coverage was adequate. The insurer did not provide a Replacement Cost Estimate or state that coverage was base on the replacement cost. Either is required, as the insurance coverage is less than the loan amount. | Document Uploaded. | XXX | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090175 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). The XXX disclosure is missing. | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090175 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090275 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The bank statement analysis yielded $XXX per month at a XXX% expense ratio. The lender used $XXX to qualify without explanation or a worksheet to substantiate the variance. | Per our UW we used the lower in which Bwr still qualifies ie per UW we don't need to change the income if we used lower and that is what is disclosed on 1003/1008/CRSE | XXX | Initial 1003 income lower, therefore, used to qualify. Income and Employment Meet Guidelines | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090275 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Taxes were not included/collected in XXX for XXX; therefore, XXX is not compliant. | Pls provide Calculation worksheet | XXX | XXX compliant; Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090275 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Required XXX Account Test | This loan failed the higher-priced mortgage loan required XXX account test. (12 CFR §1026.35(b))This loan fails to collect reserves for either:The payment of XXX and property taxes for properties that are not a XXX, high rise XXX, or planned unit development, orThe loan contains a custom fee with an associated attribute of "XXX or reserves" but the fee does not have a XXX value listed; orThe payment of property taxes for XXX, or high rise XXX, or planned unit development.Except as provided in 1026.35(b)(2) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an XXX account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.Insurance premiums described in above need not be included in XXX accounts for loans secured by dwellings in XXX, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a XXX association, where the XXX association has an obligation to the dwelling owners to maintain a XXX insuring all XXX.PLEASE NOTE:(1)This test does not consider whether the creditor complies with 12 CFR §1026.35(b)(2)(iii) regarding properties that are located in counties designated as either "XXX" or "XXX" by the XXX.(2)This test does not account for instances when mortgage insurance reserves must be XXX based on 12 CFR §1026.35. See Higher-Priced Mortgage Loan Alert (below) for full XXX requirements. Taxes were not included/collected in XXX for XXX; therefore, XXX is not compliant. | Can you pls send or upload your calculation worksheet? Thanks | XXX | Borrower is exempt from county/city taxes per tax cert in file; exception resolved; Borrower is exempt from county/city taxes per tax cert in file; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090275 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090270 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2025090270 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD issued on XXX is missing from the loan file. This loan failed the initial closing disclosure delivery date test due to XXX 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:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days before consummation. | Document Uploaded. | XXX | initial CD provided; exception resolved; initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2025090270 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX 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). XXX XXX cure required:<br> Refund in the amount of $XXX<br> The XXX tolerance violation in the amount of $XXX is due to an increase in Discount Points from the XXX to CD. The initial CD is missing; Need evidence of a valid XXX, XXX or proof of refund check to the borrower in the amount of $XXX.. | Document Uploaded. | XXX | initial CD provided; exception resolved; initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2025090270 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2025090270 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2025090178 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090178 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090178 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090216 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file is missing proof of the mortgage payment, insurance and XXX payments for XXX XXX, #XXX, #XXX and XXX. Provide proof of the mortgage payment, insurance and XXX payments for the XXX listed on the XXX 1003 (XXX). | Pls see prev condition where I uploaded the Information | XXX |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090216 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The XXX income is not documented with most recent mortgage statements for verification of XXX, proof of insurance and XXX payment amounts. | Document Uploaded. | XXX | Income and Employment Meet Guidelines | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090216 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090216 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090274 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX 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). XXX Cure Required - A refund in the amount of $XXX, cure package: XXX with XXX, copy of refund and proof of delivery or initial CD. The following fees increased/added to the CD issued XXX: Discount points increased and Transfer taxes added; however, there's no valid reason as to why the Transfer taxes were added. | Document Uploaded. ; Document Uploaded. | XXX | Cure package provided, exception downgraded to a XXX"; Cure package provided, exception downgraded to a XXX"; XXX Required - A refund in the amount of $XXX, cure package: PCCD with XXX, copy of refund and proof of delivery or valid XXX. The XXX% tolerance violation is due to the addition of Transfer Taxes on the final CD dtaed XXX. XXX in file dated XXX details the increase in recording fees but did not address the Transfer Tax Fee addition. Please provide a valid XXX or cure package.; 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). | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090274 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation Required - missing Initial Closing Disclosure issued XXX per Disclosure Tracking Summary 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:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days before consummation. | Pls see info uploaded from other condition | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090274 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090274 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090297 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Both the 1008 and The Credit Risk Summary are missing from the file. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 2025090297 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Verified debts and income XXX a DTI > XXX% when using the fully amortizing payment to qualify the borrowers. | Document Uploaded. ; Document Uploaded. Hi we were able to increase the Income to make the ratios work; Hi, pls use the updated CR to recalculate debts, thanks | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Based on the revised income calculation, a previously excluded/atypical large deposit was added back to increase the income. In order for us to revisit the income calculation, please provide documentation to source the atypical large deposit of $XXX on XXX that was originally excluded at time of qualification.; The debts from the revised credit report were used at time of review. However, the discrepancy appears to be with the qualifying payment. The 1008 reflects $XXX, however, the full qualifying payment is $XXX. Using the full XXX payment increased the DTI to XXX% | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 2025090297 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | Per the Disclosure tracker, the following XXX are missing from the loan file: Initial XXX XXX and revised XXX issued XXX. XXX and XXX. | XXX provided; Exception resolved; Document Uploaded. ; Document Uploaded. | XXX | ; Initial CD dated XXX provided, please provide the remaining XXX per the disclosure tracker issued XXX. XXX and XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 2025090297 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 2 Credit Report is Expired | Borrower XXX Credit Report is Expired (Greater than XXX days from the Closing Date). XXX report pulled XXX | Document Uploaded. | XXX | Borrower 2 Credit Report is not Expired. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 2025090297 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Expired | Borrower XXX Credit Report is Expired (Greater than XXX days from the Closing Date). XXX report pulled XXX | Document Uploaded. | XXX | Borrower 1 Credit Report is not Expired. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 2025090297 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | The initial XXX issued XXX is missing. This loan failed the initial loan estimate delivery date test (from application) due to XXX of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the XXX business day (counting days on which the XXX are open to the XXX for carrying on substantially all of its XXX) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the XXX will be deemed to be open or not open for carrying on substantially all of its XXX, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the XXX count based on the client preferences configured on the company settings business days profile page:As not being open on XXX of XXX. (XXX)As not being open on XXX As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the XXX are closed to the public for carrying on substantially all of its XXX . If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. | Document Uploaded. | XXX | Initial XXX provided, Exception resolved; Initial XXX provided, Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 2025090297 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 2025090194 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Lender's Guidelines dated XXX requires the most recent XXX, Schedule E. The loan closed XXX. The file contains the XXX & XXX XXX. The file is missing the XXX XXX tax return with all Schedules or proof of tax extension for XXX. The lender is using and XXX income summary to calculate the income. | Document Uploaded. | XXX | Income and Employment Meet Guidelines | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090194 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The loan closed on XXX and reflects a $XXX seller credit. The Purchase Contract expired on XXX and reflects a $XXX seller credit. Provide a Purchase Contract Addendum extending the contract date to XXX and a seller credit of $XXX. | Document Uploaded. | XXX |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090194 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090171 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090171 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090171 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090009 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD issued on XXX is missing from the loan file. This loan failed the initial closing disclosure delivery date test due to XXX 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:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090009 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090009 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090131 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The borrower's XXX month payment history of her rent was not included in the file. | Document Uploaded. Uploaded housing pay history - ledger from apartment. | XXX | Housing History Meets Guideline Requirements | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 2025090131 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The borrower's XXX month payment history of XXX rent was not included in the file. | Uploaded to other finding. | XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 2025090131 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | HO-6 Insurance Policy is Missing | XXX is Missing The XXX is not in file, nor was there any premium shown on the Form 1008 or the Final Closing Disclosure. The XXX for the building does not indicate whether or not the XXX is "XXX." Verification of coverage is needed. | Document Uploaded. XXX states "Property Policy is "XXX"" and on XXX page, it states All-Inclusive means XXX and includes betterments and improvements. | XXX | XXX Policy is fully present | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 2025090131 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 2025090131 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| 2025090292 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower Non-US Citizen Identification Document Missing | XXX Borrower is missing Identification Document. Missing XXX identification | This is an XXX loan program. Residency docs are not required. | XXX | Borrower Identification Document provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2025090292 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2025090292 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2025090313 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure.. Per Disclosure Tracking Summary , provided to borrower XXX | Document Uploaded. | XXX | Homeownership Counseling Disclosure provided, exception resolved.; Homeownership Counseling Disclosure Is Present or Not Applicable | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090313 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090313 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) day of the note date. The file is missing the required Verbal Verification of Employment for Borrower XXX. | Document Uploaded. ; Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided; There appears to have been an error when printing out the verification of the Borrower's business-no Business name/info reflected. Please provide a current XXX for the Borrower's XXX, XXX, LLC. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD issued on XXX is missing. This loan failed the initial closing disclosure delivery date test due to XXX 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:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX cure required:<br> Refund in the amount of $XXX<br> Cure package: XXX with XXX, copy of refund and proof of delivery or initial CD. The Lender credit decreased on the CD issued XXX, but because the initial CD is missing, the change was not acceptable. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). The XXX disclosure is missing. | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090205 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090205 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090205 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090218 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Right of Rescission is Partially Provided | Right of XXX is Partially Provided Co-borrower made an error when dating the XXX. It was not corrected and initialed. | I am only showing one borrower on this loan. can you please advise? | XXX | Right of Rescission is Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090218 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to cure: According to the XXX and Disclosure Tracking Summary in loan file, the following documents are missing: Revised XXX issued XXX, Revised XXX issued XXX, Revised XXX issued XXX, and Initial CD issued XXX. Please remit for testing 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:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days before consummation. | Document Uploaded. ; Can you please recheck your dates. I have XXX - XXX- XXX? Please and thank you | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved; The file contains only one XXX dated XXX and one CD signed at consummation dated XXX. Provide the initial CD and any other missing disclosures for testing. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090218 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090218 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090130 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090130 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090130 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090167 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090167 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090167 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090208 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090208 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090208 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090159 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090159 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090159 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090160 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The lender requires a Verbal Verification of Employment be completed within XXX days of the closing. The required Verbal Verification of Employment is missing. The loan closed XXX. Provide the required Verbal Verification of Employment. | Document Uploaded. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090160 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090160 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090283 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090283 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090283 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090022 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. File is missing the Credit Risk Summary | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090022 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090022 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD issued on XXX is missing. This loan failed the initial closing disclosure delivery date test due to XXX 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:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090022 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX , XXX)Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX).While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090252 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). The XXX disclosure is missing. | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090252 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090252 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090268 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090268 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090268 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090170 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090170 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090170 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090279 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090279 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090279 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090193 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090193 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090193 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090203 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 XXX Letter Missing Missing XXX for borrower | XXX. this is not required on a primary. thanks | XXX | Borrower 1 CPA Letter Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090203 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090203 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090157 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Payment shock in excess of XXX% was approved citing XXX credit score, XXX month reserves, residual income of $XXX per month and the XXX% DTI as the compensating factors. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090157 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090157 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090120 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). The XXX disclosure is missing. | Document Uploaded. Uploaded disclosure. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090120 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090120 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090023 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. File is missing the credit risk summary | Document Uploaded. Uploaded CRSE. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090023 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 XXX Letter Missing XXX letter is missing from the loan file | Document Uploaded. XXX Agreement in lieu of CPA letter - confirms borr is XXX% owner. | XXX | Borrower 1 CPA Letter Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090023 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090023 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090140 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090140 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090140 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090234 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | XXX Policy is Missing | Missing XXX Missing XXX | Document Uploaded. ; Document Uploaded. | XXX | XXX Policy is fully present; We apologize for the confusion. We are missing the XXX policy vs. the XXX. Please provide the XXX Policy. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090234 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090234 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090153 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090153 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090153 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090206 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090206 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090206 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090259 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The origination credit report reflects only XXX credit score. Per Lender Guideline Section XXX, a XXX. credit report is required for each borrower on the loan who will sign the Note. The credit report should provide merged credit information from the XXX XXX. A minimum of XXX credit scores is required. The origination credit report does not meet the Lenders minimum credit report requirement. | Document Uploaded. | XXX | Borrower 1 Credit Report is not partially present. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090259 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). The XXX disclosure is missing | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090259 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090259 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090169 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090169 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090169 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090086 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements There is no evidence that the XXX were transferred to the borrower. | Document Uploaded. was sent straight to title | XXX | Asset XXX Meets Guideline Requirements Or Not Applicable | XXX | Qualifying DTI below max allowed. - <br> Borrower has stable job time - Borrower has XXX years on job. A C |
| 2025090086 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | The mortgage statement for the departure residence is not in file. XXX carrying costs are not verified. | Document Uploaded. | XXX |  |  | Qualifying DTI below max allowed. - <br> Borrower has stable job time - Borrower has XXX years on job. A C |
| 2025090086 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The gift of $XXX was not documented to have been transferred to the borrower. | Document Uploaded. | XXX | Audited Reserves of $XXX are equal to or greater than XXX Required Reserves of $XXX.; | XXX | Qualifying DTI below max allowed. - <br> Borrower has stable job time - Borrower has XXX years on job. A C |
| 2025090086 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The XXX is not present, therefore a XXX is required and was not found in the file. | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Qualifying DTI below max allowed. - <br> Borrower has stable job time - Borrower has XXX years on job. A C |
| 2025090086 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - <br> Borrower has stable job time - Borrower has XXX years on job. A C |
| 2025090262 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090262 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090262 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090021 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. File missing credit risk summary | Document Uploaded. Uploaded XXX. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090021 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD issued on XXX is missing from the loan file. This loan failed the initial closing disclosure delivery date test due to XXX 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:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days before consummation. | Document Uploaded. Uploaded initial CD. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090021 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090010 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary and Exception Approval form is missing from the file. | Document Uploaded. Uploaded XXX. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090010 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Collateral Protection Notice is Missing | XXX was not provided. The XXX disclosure is missing. | Document Uploaded. Uploaded disclosure. | XXX | XXX was provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090010 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090180 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per Lender Guidelines XXX - Documentation Requirements: Most recent XXX (XXX) years tax returns; and most recently filed prior XXX (XXX) years XXX. (For XXX.); and.) XXX XXX XXX Statements. The subject loan closed XXX. The file missing the XXX XXX and XXX Tax returns for all businesses and XXX XXX. The file only contains an extension for XXX which is not used to source income. Provide complete and signed XXX and XXX Tax Returns for Borrower 1 and a XXX XXX for each XXX or Application for Automatic Extension of Time To File for all XXX and XXX Tax Returns for XXX. | Document Uploaded. Uploaded CRSE.; Per UW manager, business tax return extensions not required as long as the personal extension is provided.; Document Uploaded. Uploaded XXX extension and P&L statements for all businesses used for qualifying income for XXX and YTD XXX. | XXX | Lender Exception to waive XXX business tax return extensions approved by XXX on XXX.; The Borrower's businesses are XXX and Partnerships vs. XXX, therefore, separate business tax extensions (form XXX) are required for each business. Please provide documentation to support that the XXX does not require separate tax extension filings for XXX and Partnerships if a personal XXX extension has been filed. Thank you.; Please provide XXX extensions for XXX, XXX LLC, and XXX (extension provided was for Individual/Personal taxes, missing extensions on businesses). Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090180 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of hazard insurance and HOA fees for XXX. Provide proof of hazard insurance and HOA fees for XXX. | Document Uploaded. Uploaded Mtg stmt showing XXX included and email detailing HOA dues. | XXX |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090180 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment be completed within XXX days of the closing date. The file is missing the required Verbal Verification of Employment for XXX. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 XXX Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090180 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX 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:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days before consummation. Per the disclosure tracker, the initial CD issued XXX to the borrower is missing from the loan file. | Document Uploaded. Uploaded initial CD. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090180 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). The XXX Disclosure is missing. | Document Uploaded. The XXX Credit report in the file includes the credit score disclosure. I have uploaded it again. Please see page XXX and XXX. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090180 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090143 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX cure required:<br> Refund in the amount of $XXX<br> Cure package: PCCD with LOE, copy of refund and proof of delivery. <br> The XXX tolerance violation in the amount of $XXX is due to the addition of the Document Prep fee in Section B on the revised XXX issued XXX. The XXX dated XXX does not provide a reason the fee was added. 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).XXX 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). | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090143 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090143 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090255 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090255 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090255 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090155 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090155 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090155 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090260 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | Pls clear this loan since there is no addt'l Info is needed? See below it states: XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. | XXX | ; XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090260 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD issued on XXX is missing. 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:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090260 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090260 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090240 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090240 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090240 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090212 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the XXX, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The XXX credit report is not within the XXX day of consummation | Document Uploaded. | XXX | Lender Exception for XXX report not dated within XXX days of closing approved by XXX on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090212 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090212 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090111 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090111 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090111 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090146 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX full appraisals in file, XXX not required | Pls note their should be (XXX) Appraisals in file by (XXX) different Appraisers, therefore no addt'l valuation is req'd. If you dont have them both pls advise the Appraisers name, so that I can upload the XXX Appraisal. Thanks | XXX |  |  | A |
| 2025090146 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090146 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090204 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing The file is missing the Final 1003. Provide a copy of the final and signed 1003. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| 2025090204 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower residency documentation not provided or issue with documentation | The 1003 in file reflects the borrower is a XXX. The XXX in file states "Valid for Work Only with XXX". Provide proof of the borrower's XXX. | Document Uploaded. ; Hi can you pls attach the XXX Card you are referring too? Thanks | XXX | ; We are unable to attach the XXX card in this platform since it was part of the full loan file, however, it can be found on page XXX of the loan images. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| 2025090204 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | XXX: Current Employment Not Verified | XXX: Current Employment Not Verified The Lender requires a XXX Verification of Employment completed within XXX days of the closing. The file is missing the required XXX Verification of Employment. | Document Uploaded. | XXX | XXX: Current Employment Was Verified | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| 2025090204 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX days of the closing. The file is missing the required Verbal Verification of Employment. | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| 2025090204 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). The XXX disclosure is missing | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| 2025090204 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| 2025090017 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Credit Risk Summary is missing from the loan file | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090017 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090017 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090302 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090302 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090302 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090109 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090109 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090109 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090020 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX Cure required: Cure of $XXX required for increase in transfer taxes. XXX provided does not give sufficient reason for increase. Please provide detailed explanation that caused transfer taxes to increase or cure. Cure requires XXX, XXX, copy of refund check, and proof of mailing. 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).XXX 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). | Document Uploaded. ; GM. cure was given at closing | XXX | Cure package provided to the borrower; exception downgraded to a XXX; $XXX cure given on the final CD was not sufficient to cover both tolerance violations for the Appraisal Fee from $XXX, to $XXX and the increase in Transfer Taxes from $XXX, to $XXX. The full cure would be $XXX. Please provide a cure package with the additional $XXX in order to cure the violation. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090020 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. File is missing XXX credit report | Document Uploaded. what is upld is the only XXX was used | XXX | Not a XXX Loan. | XXX | C B A |
| 2025090020 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. File is missing the credit risk summary | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090020 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090015 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090015 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090015 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090173 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090173 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090173 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090245 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Acknowledged | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the XXX, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The XXX report is outside of the XXX-day window and needed to be pulled again. | Document Uploaded. Uploaded XXX. | XXX | Lender Exception for XXX report dated XXX days before closing vs. XXX days approved by XXX on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090245 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090245 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090198 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090198 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090198 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090123 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090123 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090123 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090223 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090223 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090223 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090138 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090138 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090138 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090238 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090238 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090238 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090191 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090191 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090191 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090018 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 XXX Letter Missing Missing XXX letter or Operating Agreement to establish percentage of ownership of the business used for qualifying income. | Document Uploaded. docs only list borrower. | XXX | Borrower 1 CPA Letter Provided; ; Borrower 1 CPA Letter Missing; Document Uploaded. ; Document provided does not indicate percentage of ownership. Please provide either a CPA letter (as required per XXX) or XXX, etc. Thank you.; Borrower 1 CPA Letter Missing | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090018 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Closing Disclosure | XXX: Missing Final Closing Disclosure Page XXX of the final CD is illegible. | Document Uploaded. | XXX | XXX: Final Closing Disclosure Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090018 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary and Exception Approval document is not in the file. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090018 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090094 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). The XXX disclosure is missing. | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090094 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090094 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090172 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090172 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090282 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The loan closed using all other monthly liabilities of $XXX resulting in a DTI of XXX. When using the broker credit report the other monthly payments total $XXX resulting in a DTI of XXX% which exceeds the guideline minimum of XXX%. | it looks like the $XXX used for final approval was from most updated credit the XXX report. <br>; we used XXX to qualify. thanks | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; ; Yes, the gap report reflects a lower payment, however, we are required to use the Broker's credit report for analysis since it was not expired.; The Broker credit report was not expired at time of review, therefore, we are required to use that report to determine the DTI. The Broker's credit report reflected a payment of $XXX for XXX vs. $XXX used to qualify resulting in a DTI of XXX%. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2025090282 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2025090282 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A |
| 2025090188 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). The XXX is missing | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090188 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090188 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090217 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090217 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090217 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090088 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing CPA letter confirming percentage of ownership missing from loan file | Document Uploaded. Pls note that the attached is proof that Bwr is the only owner of XXX; no CPA Letter is needed, thanks | XXX | Borrower 1 CPA Letter Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090088 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090088 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090287 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX Cure required: Cure of $XXX required for increase in appraisal fee. Fee increased from $XXX to $XXX. XXX insufficient explanation for increase in fee. Appraisal invoice indicates order was placed on XXX and completed on XXX allowing for increase in fee to be disclosed sooner. Cure requires XXX, XXX, copy of refund check, and proof of mailing. 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).XXX 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). | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090287 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090287 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090083 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090083 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090083 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090310 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090310 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090310 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090278 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the XXX, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The XXX credit report dated XXX is outside of the required XXX days of the loan consummation date of XXX. | Document Uploaded. | XXX | Lender exception for XXX report dated outside of XXX days approved by XXX on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 2025090278 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The guidelines state that a minimum XXX fico score for a cash out transaction LTV is XXX%. XXX% LTV exceeds the guideline maximum XXX%. | Document Uploaded. ; Our Loan Amt is for $XXX not close to a Million; therefore this isn't valid our XXX doesn't state that? Pls show me where you see this information form XXX loans XXX.XXX ; Hi, isn't that for loan amt of a million and up? This loa is for $XXX, pls advise...Thanks ; Hi this is for the LTV/CLTV/HLTV: Note: Pls review to AOC guides and can you pls re-review the borrower's length of XXX. The borrower has been XXX > XXX years, the 1003 shows the borrower has been in the same role for over XXX years. | XXX | Lender Exception to XXX% approved by XXX on XXX.; Hi there. This was escalated to Management for clarification. Please see email. Thank you in advance, appreciate your time.; First category is for loans up to a max of $XXX Million, thereafter, the parameters change with each $XXX increment.; Page XXX of the Bank Statement matrix dated XXX reflects a score of XXX would be needed for an XXX% LTV/CLTV on a cash out refinance. The Borrower's mid score is XXX, therefore, the LTV XXX indicates a max of XXX%. | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 2025090278 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The guidelines state that a minimum XXX fico score for a cash out transaction HLTV is XXX%. XXX% HCLTV exceeds the guideline maximum XXX%. | Document Uploaded. | XXX | Lender Exception to XXX% approved by XXX on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 2025090278 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The guidelines state that a minimum XXX fico score for a cash out transaction CLTV is XXX%. XXX% CLTV exceeds the guideline maximum XXX%. | Document Uploaded. | XXX | Lender Exception to XXX% approved by XXX on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 2025090278 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Compliance | XXX Constitution XXX Required Fees Test | Unable to test accurately due to missing pages XXX and XXX of final CD. This loan failed the required fees test. (XXX, XXX, XXX XXX & XXX, as amended XXX)The loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed XXX% of the original principal amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a state registered or XXX;A state base premium for a XXX of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a XXX of title insurance without XXX established in accordance with XXX. |  |  | Flood insurance is not required to be included in testing; exception resolved; Flood insurance is not required to be included in testing; exception resolved | XXX | D B C A |
| 2025090278 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | XXX: Missing Closing Disclosure | XXX: Missing Final Closing Disclosure Missing revised CD issued XXX and The final CD issued XXX is missing pages XXX and XXX. Unable to test XXX accurately. | Document Uploaded. | XXX | XXX: Final Closing Disclosure Provided; Final CD provided | XXX | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 2025090278 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 2025090177 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090177 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090177 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090177 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The borrower has a collection with XXX opened XXX in the amount of $XXX which is > XXX months Lender Guidelines require No Collection/Charge offs/XXX in last XXX months. The file contains proof the collection account was settled for $XXX and confirmed "Paid in Full" prior to closing. XXX approved exception for Credit-Judgments/Collections/Tax Lines, Guideline-No collections in last XXX years, Actual-Borrower has a collection with a XXX. Rationale-Management approved using XXX% payment for the collection account. Granted by/Date-XXX on XXX. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090112 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090112 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090112 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090095 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090095 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX)Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX.While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090095 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090095 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090058 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 2 residency documentation not provided or issue with documentation | Per Guidelines XXX a XXX legal XXX status must be documented with a Valid XXX, and be eligible to work in the XXX. as evidenced by an XXX issued by the XXX; or have a valid XXX or other proof of XXX. The documentation must be unexpired through the Note date of the loan. Provide proof of the co-borrower's legal XXX status. | Pls note our guides states the to Verification of Residency status we only need a valid XXX; therefore addt'l info is not required; Document Uploaded. Pls note that this is an XXX Loan and only required to have a XXX number | XXX | ; Final 1003 indicates Borrower 2 is a XXX with an XXX. Per guidelines, XXX must have a valid visa or other proof of legal residency (XXX). XXX documentation is insufficient to prove legal residency. Please provide documentation to verify XXX legal residency. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090058 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party XXX Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment to be completed within XXX days of the Note date. The file is missing the required Verbal Verification of Employment for Borrower 1. | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090058 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party XXX Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment to be completed within XXX days of the Note date. The file is missing the required Verbal Verification of Employment for Borrower 2. | Document Uploaded. | XXX | Borrower 2 3rd Party XXX Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090058 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090058 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090221 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). | Document Uploaded. XXX provided | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090221 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090221 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090119 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. AVM provided - value supported | XXX | XXX in file and supported the value. | XXX | A |
| 2025090119 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090119 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090152 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX XXX Cure required: Cure of $XXX required for charges that in total cannot increase more than XXX%. Title charges were not shopped for and the following fees were added: Settlement fee of $XXX, Survey fee of $XXX; Title Services of $XXX, and Endorsement fee of $XXX without valid XXX. Cure requires XXX, XXX, copy of refund check, and proof of mailing. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090152 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090152 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090048 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090048 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090048 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090226 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090226 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090226 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090156 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment to be completed within XXX days of the closing date. The borrower's required Verbal Verification of Employment from XXX & XXX is missing. Provide the required Verbal Verification of Employment from XXX and XXX that has to be completed within XXX days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090156 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment to be completed within XXX days of the closing date. The co-borrower's required Verbal Verification of Employment from XXX is missing. Provide the required Verbal Verification of Employment from XXX that has to be completed within XXX days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 2 3rd Party XXX Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090156 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090156 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090089 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.  |  |  | XXX Compliant | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090089 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090089 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090079 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX The loan amount is $XXX is less than the minimum loan amount of $XXX, XXX approved exception to guidelines. Exception Type-Loan Amount, Loan Amount-$XXX - $XXX - XXX. Loan Amount ; $XXX. Rationale: Exception approved by investor to allow loan amount of $XXX. Granted By/Date-XXX on XXX. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090079 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.  |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090079 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090079 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090207 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090207 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090207 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090115 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090115 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090115 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090210 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090210 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090210 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090176 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090176 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090176 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090133 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX days of the closing. The file is missing the required Verbal Verification of Employment. | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090133 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090133 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090074 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). The XXX disclosure is missing. | Document Uploaded. | XXX | XXX provided, exception resolved.; XXX Credit Score Disclosure is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090074 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The XXX disclosure is missing. The XXX disclosure is missing. | Document Uploaded. | XXX | XXX consent provided, exception resolved; Evidence of XXX is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090074 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Guidelines require a XXX month housing history no worse than XXX. The borrower disclosed that he has rented at his present address for XXX years. No VOR from the XXX or cancelled checks are provided in the file. | Document Uploaded. | XXX | Housing History Meets Guideline Requirements | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090074 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. | what? this is a purchase on a primary. borrower has no other properties | XXX | Duplicate exception. Current housing/rental payment history provided and attached to other exception. Condition rescinded. | XXX | C A B |
| 2025090074 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090074 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090077 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The borrower received $XXX in gift funds from his XXX per XXX. Per Lender Guideline XXX XXX Verification when the funds are transferred to the closing agent requirements are XXX. a copy of the XXX cancelled check; or a copy of the XXX cancelled check to the closing agent; or evidence of XXX from the XXX to borrower. The file is missing proof of the XXX transfer in the amount of $XXX. | Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090077 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090077 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090334 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Verified revolving credit payments as of XXX XXX pushed the DTI over the XXX% limit. The lender's approval was at XXX% per the Credit Risk Summary and Exception Approval. | There was a XXX report as of XXX which provided some payment adjustments with the revolving credit tradelines namely the capital one revolving credit balance and payment dropped considerably. <br> In addition, there is an XXX revolving credit that is an authorized user account which shouldn't be included in the DTI. I put "authorized user" next to it in the XXX. <br> These XXX items keep our DTI below XXX% after the XXX report. | XXX | XXX is XXX user for XXX. Removing payment reduced the DTI. Condition rescinded. | XXX | A |
| 2025090334 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Property | Appraisal is Expired | Primary Value Appraisal is Expired Appraisal was updated as of XXX | Hey loan closed XXX? Can you please advise | XXX | Original appraisal dated XXX was subject to completion and a XXX dated XXX was provided. Recert of value dated XXX was then provided which was within XXX days as allowed per guidelines. Condition rescinded. | XXX | A |
| 2025090334 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090144 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced XXX, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090144 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090144 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090011 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary and Exception Approval form is missing from the file | Document Uploaded. Uploaded XXX. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090011 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090011 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090269 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The borrower has a Collection with XXX dated XXX. The collection has been paid in full for the full amount. Per lender guidelines - No Collections/Charge offs/Judgments in last XXX months. The XXX approved exception to guidelines. Exception Type-Credit-XXX/Collections/Tax Liens. Guidelines-XXX collections in past XXX months. Actual-paid collection, for < full amount, in past XXX months. Rational-paid collection, for < full amount, in past XXX-months, - XXX account. Granted By XXX on XXX. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090269 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Property | Subject property appraisal is not on an as-is basis (Secondary Value) | XXX for Subject Property Appraisal is not on an As-Is Basis Invalid-the Completion Cert for the XXX is missing. The file contains a Completion Cert for the primary value appraisal. | We only need proof the house is complete by XXX appraiser, which we have the Final Inspection. Would be overkill to require XXX appraisers to confirm home is complete. Please waive. | XXX |  |  | D B A |
| 2025090269 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | XXX: Current Employment Not Verified | XXX: Current Employment Not Verified The Lender requires a Verbal Verification of Employment completed within XXX days of the closing. The file is missing the required Verbal Verification of Employment. | Uploaded XXX to other XXX finding. | XXX | XXX: Current Employment Was Verified | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090269 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX days of the closing. The file is missing the required Verbal Verification of Employment. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090269 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expired on XXX. The loan closed XXX. Provide an executed Purchase Contract Extension through XXX. | Document Uploaded. Uploaded contract addendum. | XXX |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090269 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). The XXX disclosure is missing. | Document Uploaded. Uploaded discl. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090269 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090127 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | XXX Policy Effective Date is after the Note Date | XXX Effective Date of XXX is after the Note Date of XXX The subject loan closed and funded on XXX. The XXX effective date is XXX. Provide proof that the XXX effective date is on XXX. | Document Uploaded. Uploaded hazard XXX page with updated effective date. | XXX | XXX Policy Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or XXX Policy Effective Date Is Not Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090127 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX days of the closing. The file is missing the required Verbal Verification of Employment. | Document Uploaded. Uploaded the XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090127 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090093 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required<br> Refund in the amount of $XXX<br> Cure Package requires a XXX, XXX, Copy of refund check and proof of delivery to the borrower OR Valid XXX.<br> Lender Credit violation is due to the decrease in Lender Credits from $XXX to $XXX on the Final CD. <br> Please provide a Valid XXX or Cure Package. | Document Uploaded. Uploaded cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090093 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX 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). XXX Cure Required<br> Refund in the amount of $XXX<br> Cure Package requires a XXX, XXX, Copy of refund check and proof of delivery to the borrower OR Valid XXX.<br> XXX tolerance violation is due to the increase in Transfer Taxes from $XXX to $XXX on the Final CD and no XXX was found in the file explaining the reason for why the fee increased.<br> Please provide a Valid XXX or Cure Package. | Document Uploaded. Uploaded final CD with COC explaining transfer taxes. | XXX | XXX provided; Exception resolved; XXX provided; Exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090093 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090093 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090284 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Borrower has XXX and XXX day late payments with in the past XXX months. The lender approved the exception, citing the XXX% LTV and better XXX as a result of the refinance as the compensating factors. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090284 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Borrower has XXX and XXX day late payments with in the past XXX months. The lender approved the exception, citing the XXX% LTV and better XXX as a result of the refinance as the compensating factors. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090284 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.  |  |  | XXX Compliant | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090284 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090007 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Lender requires a copy of the Credit Risk Summary & Exception Approval to be in the loan file. The file is missing the required Credit Risk Summary & Exception Approval. | Document Uploaded. Uploaded CRSE. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2025090007 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Lender guidelines Housing History - Residential pay history XXX. The file contains XXX months housing provide. Provide proof of the most recent XXX month housing history that meets the guideline. | We have XXX+ months housing pay history on the borrower's primary residence. See page XXX of the Fraud Report. It shows XXX had a $XXX mortgage attached to it starting XXX. This mortgage is on the credit report shown as paid off XXX and the current mortgage with XXX started XXX to current. Housing pay history guides are satisfied. | XXX |  |  | D A |
| 2025090007 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 is missing the XXX - Lender Loan Information. Provide a complete Final 1003, including the XXX - Lender Loan Information. | Document Uploaded. Uploaded 1003 including Lender page. | XXX | The Final 1003 is Present | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2025090007 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | XXX: Current Employment Not Verified | XXX: Current Employment Not Verified The Lender requires a Verbal Verification of Employment completed within XXX days of the closing. The file is missing the required Verbal Verification of Employment. | Uploaded XXX to other finding. | XXX | XXX: Current Employment Was Verified | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2025090007 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX days of the closing. The file is missing the required Verbal Verification of Employment. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2025090007 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2025090007 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 2025090228 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The requisite XXX is in file however it is not dated so the XXX day window cannot be confirmed. | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090228 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090228 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090092 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX 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:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days before consummation. Documentation Required: The file is missing the Initial CD dated XXX per the Disclosure Tracking Summary. | Document Uploaded. | XXX | initial CD provided; exception resolved; initial CD provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090092 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090067 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Hi this condition is invalid as there should be (XXX) Appraisals in file by (XXX) different Appraisers: XXX and XXX. Pls advise, thanks | XXX |  |  | A |
| 2025090067 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090067 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090105 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX Loan with established XXX and appraisal requirements have been met. XXX Downgraded |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090105 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | XXX Test | This loan failed the XXX rate spread home loan test.<br> (NC GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX section of the full ComplianceAnalyzer report.While the XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and XXX may prefer not to fund or buy rate spread home loans even if the additional conditions are met. Duplicate Finding |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090105 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090050 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | XXX compliant- Appraisal requirement met This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX)Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX.While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090050 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant - Appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090050 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090050 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090053 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an XXX and it meets the XXX and Appraisal Requirements. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090053 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX)Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX.While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an XXX and it meets the XXX and Appraisal Requirements. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090053 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090053 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090002 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Guidelines require a XXX-month housing history which was not found in the file. | Uploaded to other finding. | XXX | Housing history in file on page XXX. Condition rescinded. | XXX | B A |
| 2025090002 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Guidelines require a XXX-month housing history which was not found in the file. | Document Uploaded. Uploaded rent pay history. You can also see these rent payments coming out of the borrower's XXX bank account. | XXX | Housing history in file on page XXX. Condition rescinded. | XXX | B A |
| 2025090002 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary and Exception Approval form is missing from the file. | Document Uploaded. Uploaded XXX. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090002 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090002 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090016 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX XXX required. Refund in the amount of $XXX, cure package requires a XXX, XXX, Copy of Refund Check and Proof of Delivery or valid XXX. The Mortgage recording fee increased on the CD issued XXX without a valid reason. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 2025090016 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | There's no evidence of a XXX issued XXX in the file. | Document Uploaded. Uploaded XXX dated XXX with XXX. | XXX | XXX provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 2025090016 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 2025090016 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A |
| 2025090121 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The loan file is missing the verification of employment for Borrower 2 | Document Uploaded. ; Document Uploaded. | XXX | Borrower 2 3rd Party XXX Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX); The employer name on the XXX attached, XXX Inc, is XXX employer. Please provide a XXX dated within XXX days of the note date from XXX employer, Office of the Secretary of State, as reflected on the final 1003 and income docs. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090121 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090121 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090309 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). The XXX disclosure is missing from the file. | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090309 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an XXX and it meets the XXX and Appraisal Requirements. |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090309 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090309 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090209 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an XXX and it meets the XXX and Appraisal Requirements. |  |  | XXX Compliant | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090209 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090209 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090174 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Per guidelines LTV greater than XXX% max DTI is XXX | Document Uploaded. Uploaded CRSE for exception. | XXX | Lender Exception to XXX% DTI approved by XXX on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090174 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an XXX and it meets the XXX and Appraisal Requirements. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090066 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Per guidelines need XXX days of sourced funds - only have one statement for XXXt ending in XXX | Per guides assets only need XXX days. we are clear | XXX |  |  | A |
| 2025090066 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090066 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090061 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090061 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090118 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). XXX XXX cure required:<br> Refund in the amount of $XXX<br> XXX with XXX, copy of refund and proof of delivery. <br> The XXX% tolerance violation in the amount of $XXX is due to an increase in title fees on the CD issued XXX. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090118 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090118 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090013 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. XXX is missing from the loan file | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090013 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | Per the disclosure tracker, there's a revised XXX issued XXX to the borrower but missing from the loan file. | Document Uploaded. | XXX | XXX dated XXX provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090013 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | XXX XXX required: A refund in the amount of $XXX, cure package: XXX with XXX, copy of refund and proof of delivery. The Discount points increased on the CD issued XXX without a valid reason; however, per the XXX issued XXX is when the discount points were added and the revised XXX issued XXX is missing from the loan file. 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).XXX 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). | Document Uploaded. | XXX | XXX and valid XXX provided; exception resolved; XXX and valid XXX provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090117 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Asset General | Document Uploaded. |  |  | ; The Lender required a copy of the wire confirmation from the title to confirm $XXX from the sale of XXX was wired to closing. The file is missing proof of the wire confirmation. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090117 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090117 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090132 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090132 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090132 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090006 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090006 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090006 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090057 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). | Document Uploaded. Uploaded discl. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 2025090057 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Acknowledged | XXX | Property | XXX Approval Missing | XXX Approval Missing. Missing XXX approval from lender | Document Uploaded. The UW included a message on the 1008 stating the XXX requires and exception and has been approved. I have added an official exception on the CRSE. Uploaded CRSE. XXX is non-warrantable. | XXX | Lender exception for single entity owning more than XXX% of total units approved by XXX on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 2025090057 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| 2025090005 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090005 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090005 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090072 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX 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:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days before consummation. Documentation required to clear exception: File is missing the Initial CD. Per Disclosure Tracking Summary on page XXX Initial CD was sent XXX. Please provide Initial CD. Additional conditions may apply. | Document Uploaded. Uploaded initial CD. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090072 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a XXX, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The Tolerance violation in the amount of $XXX is due to Decrease from $XXX to $XXX for the Lender Credit on CD XXX. XXX provided on page XXX is dated XXX showing the Credit Decrease. Disclosure Tracking Summary on page XXX shows a Revised XXX was sent XXX and Initial CD sent XXX. File is missing the Revised XXX sent XXX and the Initial CD sent XXX. | Document Uploaded. Uploaded both. | XXX | Valid XXX provided; exception resolved; Valid XXX provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090072 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090072 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090070 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090070 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090051 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090051 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090051 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090040 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090040 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090040 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090064 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090064 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090064 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090043 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090043 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090043 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090076 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090076 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090076 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090062 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090062 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090062 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090305 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Open | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | XXX |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2025090305 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2025090305 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 2025090277 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090277 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090277 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090037 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090037 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090037 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 2025090025 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090025 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090025 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 2025090035 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090035 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090035 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090032 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Scrub Review | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090032 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Scrub Review | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090032 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Scrub Review | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090029 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Scrub Review | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090029 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Scrub Review | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090029 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Scrub Review | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090031 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Initial Loan Review | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090031 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Initial Loan Review | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The XXX is missing. Per XXX, lender has affiliates. The XXX in the loan file is for the XXX and seller; not the lender. | Document Uploaded. | XXX | Affiliated business disclosure provided, exception resolved; Required Affiliated Business Disclosure Documentation Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing The XXX disclosure is missing. | Document Uploaded. | XXX | omeownership Counseling Disclosure provided, exception resolved.; Homeownership Counseling Disclosure Is Present or Not Applicable | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to XXX of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the XXX business day (counting days on which the XXX are open to the XXX for carrying on substantially all of its XXX) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the XXX will be deemed to be open or not open for carrying on substantially all of its XXX, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the XXX day count based on the client preferences configured on the company settings business days profile page:As not being open on XXX As not being open on XXX PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the XXX are closed to the public for carrying on substantially all of its XXX. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. There's no evidence of the XXX issued XXX for the subject property in the loan file. | Document Uploaded. | XXX | Initial XXX provided, Exception resolved; Initial XXX provided, Exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX 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). | Document Uploaded. the upld XXX was sent to the borrower with that XXX on XXX for the final inspection. thanks, | XXX | Valid XXX provided; exception resolved; Valid XXX provided; exception resolved; XXX cure required:<br> Refund in the amount of $XXX<br> The XXX tolerance violation in the amount of $XXX is due to the addition of the Final Inspection fee on the revised XXX issued XXX; Need evidence of a valid XXX, PCCD or proof of refund check to the borrower in the amount of $XXX. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Rescinded | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. resolved | Hey. Can you pleaes advise what is needed with the condition saying resolved? thanks | XXX |  |  | C A |
| 2025090345 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | XXX | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. XXX months rents highlighted in bank statements; per XXX need XXX months housing history; final 1003 inidcates XXX years renting in XXX; missing XXX months rental housing history and no lender exception in file. | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.;<br> Received XXX - Credit:Housing History (mortgage/rent) requirements not met. Actual - XXX months verified. Typically only req XXX months rent verification. If mortgage on credit, no lates allowed in XXX months. Compensating Factors : Credit Score - XXX; No lates in XXX years; DTI - XXX% housing ratio; Residual Income - $XXX residual; XXX years on same job. Acknowledged by client. | XXX |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. <br> ; Borrower 1 has significant job time - Borrower has XXX years on job<br> ; Borrower has stable job time - Borrower has XXX years at job.<br> ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 2025090345 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | XXX | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX exceeds the lender guidelines tolerance for payment shock of XXX%. | Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client.;<br> Received CRSE - Payment Shock: Exceeds maximum allowed by program guidelines. Actual - XXX%; Max XXX%. Compensating Factors : Credit Score - XXX; No lates in XXX years; DTI - XXX% housing ratio; Residual Income - $XXX residual; XXX years on same job. Acknowledged by client. | XXX |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. <br> ; Borrower 1 has significant job time - Borrower has XXX years on job<br> ; Borrower has stable job time - Borrower has XXX years at job.<br> ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 2025090345 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. <br> ; Borrower 1 has significant job time - Borrower has XXX years on job<br> ; Borrower has stable job time - Borrower has XXX years at job.<br> ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| 2025090342 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing mortgage clause after Lender's name. Please provide updated XXX with XXX/XXX verbiage | XXX: uploaded |  | XXX: Received | XXX | C B A |
| 2025090342 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Unacceptable Mortgage History | Borrower has 1 mortgage XXX-day late in the past XXX months, which is not allowed per guidelines. Mortgage XXX-day late dated XXX on credit report | XXX: CRSE |  | XXX: Exception approval received | XXX | FICO XXX, LTV XXX%, DSCR XXX B A |
| 2025090336 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Appraisal Review - Missing | Missing XXX appraisal review product for subject property: XXX | XXX: XXX |  | XXX: Received | XXX | D B A |
| 2025090336 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Credit | Credit Report Missing or Defective | Missing credit report for borrower and co-borrower : XXX | XXX: credit report |  | XXX: Received | XXX | D B A |
| 2025090336 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Insufficient Assets for Reserves | Audited Reserves of XXX month(s) are less than Guideline Required reserves of XXX month(s) | XXX: CRSE |  | XXX: Exception approval received | XXX | FICO XXX, DSCR XXX, XXX B A |
| 2025090280 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Credit | Insufficient Assets for Reserves | Audited reserves of - XXX month(s) are less than guideline required reserves of XXX month(s). | XXX: Assets |  | XXX: Using amounts from XXX statements for account #XXX, #XXX, and #XXX. Taking the most recent statements available. <br> XXX: Only $XXX assets in file. Please provide additional assets to match CRSE<br> XXX: Received | XXX | C A |
| 2025090331 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090289 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090322 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090300 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Credit Event – Requirement Not Met | Borrower has 1 mortgage XXX-day late in the past XXX months, which is not allowed per guidelines. Mortgage XXX-day late dated XXX on credit report. | XXX: Uploaded CRSE |  | XXX: Exception approval received | XXX | FICO XXX, LTV XXX%, XXX months reserves B A |
| 2025090319 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review For Subject property : XXX | XXX: uploaded |  | XXX: Received | XXX | D A |
| 2025090246 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Credit | Minimum Credit Score Requirement Not Met | Borrower and Co-Borrower credit reports reflect only XXX score, which is ineligible per guidelines | XXX: Uploaded XXX credit report used for qualifying - has XXX scores. |  | XXX: Received | XXX | C A |
| 2025090333 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090323 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090318 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090324 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090250 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090272 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090242 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Appraisal Missing or Defective | Missing XXX for property located at; XXX | XXX: uploaded |  | XXX: Received | XXX | D A |
| 2025090328 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090235 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090192 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090264 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | XXX Questionnaire Missing or Defective | Missing XXX questionnaire for subject property | XXX: uploaded<br> XXX: uploaded |  | XXX: Approval received<br> XXX: XXX questionnaire received. It states asbestos has been discovered in some units and should be tested by unit owner. Please provide inspection showing no asbestos or investor approval to clear | XXX | D A |
| 2025090182 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090263 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090189 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090247 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090236 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090312 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090265 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090008 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090291 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090185 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Short Term Rental Documentation Missing or Defective | Missing XXX months rent receipts for short term rental income. Please provide documentation | XXX: uploaded<br> XXX: Hi, this is a Purchase, so we wouldn't have XXX mth rental Income? |  | XXX: XXX received, DSCR match<br> XXX: Please provide XXX income supporting the data tape monthly income of $XXX | XXX | D A |
| 2025090113 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090314 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090241 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090195 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090220 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090261 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090215 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090197 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090219 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Credit Event – Requirement Not Met | Borrower has XXX mortgage XXX-day late in the past XXX months, which is not allowed per guidelines. Mortgage XXX-day late dated XXX on credit report. | XXX: CRSE provided to waive exception. |  | XXX: Received | XXX | DSCR XXX, FICO XXX, LTV XXX% B A |
| 2025090183 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090326 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review property located at: XXX | XXX: XXX |  | XXX: Received | XXX | D A |
| 2025090136 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090230 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090271 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090139 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090163 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090150 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090248 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090222 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090168 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090251 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090229 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed for XXX refinance transactions | XXX: CRSE<br> XXX: Since the property is vacant, the file should follow the No XXX guides and we do meet those guidelines |  | XXX: CRSE<br> XXX: No DSCR loans still follow the ICF XXX. Vacant properties on a refinance transaction allow a max LTV of XXX%, regardless of DSCR qualification | XXX | DSCR XXX, FICO XXX, months reserves XXX B A |
| 2025090149 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090335 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090196 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Hazard Insurance Missing or Defective | Missing hazard insurance for subject property: XXX | XXX: Clear |  | XXX: Received | XXX | D A |
| 2025090196 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Credit | Active Litigation | XXX has pending litigation. Please provide documentation describing the active litigation. | XXX: Clear |  | XXX: Received | XXX | D A |
| 2025090102 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Credit Event – Requirement Not Met | Borrower has 1 mortgage XXX-day late in the past XXX months, which is not allowed per guidelines. Mortgage XXX-day late dated XXX on credit report. | XXX: CRSE uploaded to waive |  | XXX: Recived | XXX | DSCR XXX, LTV XXX%, FICO XXX B A |
| 2025090165 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090315 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090232 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed for loan amounts up to $XXX | XXX: CRSE exception approval in file: "Exception from Capital for the LTV max of XXX% to XXX% > $XXX Loan Amount" |  | XXX: Exception approval in file | XXX | XXX months reserves, XXX, DSCR XXX B A |
| 2025090225 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090258 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090214 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090276 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090199 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090135 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090253 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Appraisal Review - Missing | Missing Appraisal review for Subject property : XXX | XXX: XXX XXX state relief eligible. |  | XXX: Received | XXX | D A |
| 2025090254 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090124 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090243 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Subject Property Lease - Missing or Defective | Missing XXX months rent receipts to use lease rent | XXX: I updated DSCR using appraiser's market rent of $XXX. Therefore proof of rent receipt not required. See corrected XXX. |  | XXX: Confirmed | XXX | D A |
| 2025090181 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Credit Event – Requirement Not Met | Fraud report reflects Foreclosure Dated XXX / XXX | XXX: Uploaded CRSE - XXX exception. |  | XXX: Received | XXX | FICO XXX, LTV XXX%, months reserves XXX B A |
| 2025090101 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090014 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090148 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090141 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090166 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090213 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090103 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090286 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Credit | Title Insurance Missing or Defective | Supplemental XXX report in file is missing mortgagee clause after lender's name. Please provide title supplement report with XXX after mortgagee clause. | XXX: XXX supplement shows correct mortgagee. |  | XXX: Received | XXX | C A |
| 2025090126 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090237 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090231 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Credit | Entity Documentation - Missing or Defective | Missing XXX Of Organization for XXX | XXX: uploaded |  | XXX: Received<br> XXX: Please provide the XXX. The document provided is the XXX . | XXX | D A |
| 2025090164 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090338 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX title supplement insurance coverage < $XXX minimum coverage required | XXX: Clear |  | XXX: Received | XXX | C A |
| 2025090303 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090091 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090311 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090114 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090186 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX XXX insurance coverage < $XXX minimum coverage required | XXX: Clear |  | XXX: Received | XXX | C A |
| 2025090154 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090137 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090106 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090142 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090084 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090317 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090339 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090134 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090122 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090151 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090081 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090200 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090202 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090201 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090108 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090097 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Ineligible Property – Square Footage | XXX square feet < XXX minimum required square feet. Property is ineligible as per guidelines | XXX: CRSE |  | XXX: Received | XXX | C B A |
| 2025090145 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090104 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090187 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | XXX Questionnaire Missing or Defective | Missing XXX questionnaire for subject property. Please provide documentation to determine non-warrantability | XXX: Uploaded XXX questionnaire. |  | XXX: Received | XXX | D A |
| 2025090080 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090184 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090187 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Hazard Insurance Missing or Defective | $XXX hazard insurance coverage < $XXX minimum required. Please provide evidence of replacement cost coverage or XXX policy | XXX: Insurance |  | XXX: Received | XXX | D A C |
| 2025090110 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090107 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090179 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Credit | Closing Protection Letter Missing or Defective | Closing protection letter is missing mortgagee clause after lender's name. Please provide updated CPL with XXX XXX | XXX: uploaded |  | XXX: Received | XXX | C A |
| 2025090100 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090295 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090099 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090294 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090116 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090190 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090012 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Hazard Insurance Missing or Defective | Hazard insurance in file reflects incorrect address. Please provide updated hazard insurance policy for subject property : XXX | XXX: uploaded |  | XXX: Received | XXX | D A |
| 2025090042 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090327 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090249 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Subject Property Lease - Missing or Defective | Missing XXX month's rent receipts to use lease rent | XXX: Uploaded the XXX months rent (XXX). |  | XXX: Received | XXX | D A |
| 2025090073 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090125 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Hazard Insurance Missing or Defective | Missing master policy for subject property: XXX. Please include XXX on XXX policy. | XXX: Uploaded updated XXX policy.<br> XXX: Uploaded XXX policy. |  | XXX: Received<br> XXX: Policy is missing XXX and address for subject property. Please provide updated policy meeting requirements. | XXX | D A |
| 2025090233 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090004 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Market Rent - Missing or Defective | Missing 1007 for property located at :XXX | XXX: uploaded |  | XXX: XXX market rent received | XXX | D A |
| 2025090003 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090308 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Credit | Insufficient Assets for Reserves | $XXX assets < $XXX cash to close. Missing account statement for XXX funds in the amount of $XXX | XXX: uploaded |  | XXX: Received | XXX | C A |
| 2025090087 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Hazard Insurance Missing or Defective | XXX policy is missing mortgagee clause after lender's name. Please provide updated hazard policy with XXX XXX. | XXX: uploaded |  | XXX: Received | XXX | C A |
| 2025090049 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090128 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090045 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090054 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090129 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090158 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090244 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090071 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090085 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Flood Insurance Missing or Defective | Missing flood insurance for the subject property : XXX | XXX: uploaded |  | XXX: Received | XXX | D A |
| 2025090078 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review For Subject property: XXX | XXX: XXX |  | XXX: Received | XXX | D A |
| 2025090059 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090055 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090068 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090098 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090296 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Credit | Credit Report Aged | XXX days age of Credit report > XXX days max allowed | XXX: uploaded new credit report |  | XXX: Received | XXX | C A |
| 2025090034 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090090 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090082 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090038 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Property | Appraisal Review - Missing | Missing appraisal review document for subject property: XXX | XXX: CDA |  | XXX: Received | XXX | D A |
| 2025090063 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090039 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090060 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090027 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | Credit | Entity Documentation - Missing or Defective | Missing XXX Agreement for borrowing entity: XXX, LLC to verify ownership percentage | XXX: Uploaded XXX and XXX that show both borrowers as only manager/members. |  | XXX: Received | XXX | D A |
| 2025090026 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090033 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090028 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090161 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090046 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090056 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090036 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines. | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090298 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090290 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Resolved | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A |
| 2025090267 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR for Private mortgage with Wayne Racey for property XXX XXX. Provide proof of a satisfactory Payment history for the prior XXX months. Per Lender Guidelines the pay history requirement is XXX | Document Uploaded. Updated 1003, lexis nexis verify service financial is attached to. Updated 1003 with service financial attached to correct policy and pay history for private mortgage with XXX. Hopefully, this will clear up this loan. | XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Property history report received for XXX, XXX, XXX (that was attached to the incomplete 1003 condition) confirms the Borrowers have an open private mortgage to XXX for $XXX. Please provide a satisfactory XXX month payment history for review. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090267 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 reflects that both borrower's are Unmarried. Per the Initial 1003 the borrower's are married. Please provide an explanation and support the borrower's marital status. The Final 1003 is incomplete due to Section XXX: XXX is not completed. The credit report reflects a mortgage lien with XXX with a balance of $XXX and payment of $XXX, the lien is not reflected in Section XXX: Financial Information-XXX on the Final 1003 Please provide a corrected and signed by all parties Final 1003 correcting the marital status if the borrower's are XXX, Section XXX: XXX and lien added to Section XXX: Financial Information-XXX completed. | Document Uploaded. Updated 1003, lexis nexis verify service financial is attached to. Updated 1003 with service financial attached to correct policy and pay history for private mortgage with XXX. Hopefully, this will clear up this loan.; Document Uploaded. corrected 1003 and other property has no lien | XXX | The Final 1003 is Present; The Property History report attached for XXX may have been intended for the missing housing payment history condition. If so, the report confirmed that there is a private mortgage of $XXX that opened XXX and the 1003 reflects a mortgage as well and that condition remains open. As for this incomplete 1003 condition, we are still missing documentation to verify what property the Home Improvement loan with XXX with a balance of $XXX and a payment of $XXX is attached to. Please provide documentation to verify which property Service XXX mortgage is associated with along with an updated 1003. Thank you.; Document Uploaded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090267 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of the insurance payment for Property XXX: XXX and XXX: XXX. Missing proof of HOA for property XXX: XXX and XXX: XXX. The insurance provided for XXX: XXX is an XXX insurance that covers the primary and the property XXX. Unable to determine insurance payment for XXX. Provide the missing documents. |  |  | ; Document Uploaded. ; Document Uploaded. ; Based on email provided by XXX on XXX, the following information is still required: XXX on XXX and HOI on 1XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090267 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090267 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090307 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The Lender requires a Third Party Valuation Product that supports the subject value. The file is missing the Third Party Valuation Product. | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 2025090307 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | High-Cost Mortgage Pre-Loan Counseling Date Test | This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a XXX loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a XXX XXX loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the XXX. Department of Housing and XXX Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the XXX XXX XXX (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. |  |  | XXX, XXX, copy of check and proof of shipment provided with XXX days of discovery, XXX, which downgrades the exception to a XXX. Exception cured within XXX days of the creditor's discovery or receipt of notification of an unintentional XXX or XXX XXX error and prior to the institution of any action. The consumer was notified of the compliance failure, appropriate restitution was made, and whatever adjustments necessary were made to the loan to either, (A) make the loan satisfy the requirements of this part; or (XXX) in the case of a high-cost mortgage, change the terms of the loan in a manner beneficial so that the loan will no longer be a high-cost mortgage. The consumer accepted a change the terms of the loan in a manner beneficial so that the loan will no longer be a high-cost mortgage. | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 2025090307 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | High-Cost Mortgage Points and Fees Threshold Test | This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds the lesser of XXX percent of the total loan amount of $XXX or $XXX. The loan failed high cost by $XXX.<br> The following fees included in the High Cost are: Admin $XXX, Points $XXX, Processing $XXX and Underwriting $XXX. |  |  | XXX, XXX, copy of check and proof of shipment provided with XXX days of discovery, XXX, which downgrades the exception to a XXX. Exception cured within XXX days of the creditor's discovery or receipt of notification of an unintentional violation or XXX XXX error and prior to the institution of any action. The consumer was notified of the compliance failure, appropriate restitution was made, and whatever adjustments necessary were made to the loan to either, (A) make the loan satisfy the requirements of this part; or (B) in the case of a high-cost mortgage, change the terms of the loan in a manner beneficial so that the loan will no longer be a high-cost mortgage. The consumer accepted a change the terms of the loan in a manner beneficial so that the loan will no longer be a high-cost mortgage. | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 2025090307 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. There's no evidence of receipt for the Appraisal. |  |  | proof of appraisal delivery provided, XXX compliant; Exception esolved | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 2025090307 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Cured | XXX | Compliance | High-Cost Mortgage Timing of Disclosure Test | This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least XXX business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. The High-Cost Mortgage Disclosure Date was not provided; | Document Uploaded. hopefully this will clear all other open high cost conditions ; Can you please advise what is needed in order to clear? Please and thank you; Document Uploaded. | XXX | XXX, XXX, copy of check and proof of shipment provided with XXX days of discovery, XXX, which downgrades the exception to a XXX. Exception cured within XXX days of the creditor's discovery or receipt of notification of an unintentional violation or XXX XXX error and prior to the institution of any action. The consumer was notified of the compliance failure, appropriate restitution was made, and whatever adjustments necessary were made to the loan to either, (A) make the loan satisfy the requirements of this part; or (XXX) in the case of a high-cost mortgage, change the terms of the loan in a manner beneficial so that the loan will no longer be a high-cost mortgage. The consumer accepted a change the terms of the loan in a manner beneficial so that the loan will no longer be a high-cost mortgage.; This exception is triggered due to the loan being considered high cost. An undiscounted rate cant be provided for testing but it appears the note rate was at par pricing. A cure of $XXX would be required to cure the high cost exceptions; Appraisal delivery does not resolve the high cost exceptions | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 2025090307 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of insurance payment amount for the XXX XXX5 XXX XXX. Provide proof of the insurance payment for XXX XXX XXX. | Document Uploaded. | XXX |  |  | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 2025090307 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. The Appraisal Receipt on page XXX does not specify if the borrower waived receipt or if the Appraisal was actually received. | Document Uploaded. | XXX | Evidence of Appraisal Delivery to the Borrower Provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. D C A |
| 2025090307 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The Appraisal Receipt on page XXX does not specify if the borrower waived receipt or actually received the Appraisal. | Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 2025090047 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The lender did not document any rental offset to the PITIA of the subject property. The subject carrying costs represent XXX% of the borrower's income before his personal rent. | The 1007 has been uploaded to this one<br> Market rent is lower, but I updated the property taxes using the tax cert instead of the higher manual calc <br> ; Document Uploaded. Here are XXX rental comps in the same zip code as our subject, the avg of these properties is $XXX and we used XXX% of $XXX. | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; ; Guides indicate secondary rental income on a bank statement loan will be considered on a case by case basis. In addition, the rental information provided was not on the subject property. Please provide confirmation that the use of rental income on the subject transaction was reviewed and deemed allowed in this case and also provide a market rental analysis of the subject property for review. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090047 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Borrower does not meet residual income requirement | Residual income of $-XXX does not meet guideline minimum of $XXX. The DTI is > than XXX%. Income documentation is incomplete. | Document Uploaded. The 1007 has been uploaded to this one<br> Market rent is lower, but I updated the property taxes using the tax cert instead of the higher manual calc <br> ; Document Uploaded. Here are XXX rental comps in the same zip code as our subject, the avg of these properties is $XXX and we used XXX% of $XXX. | XXX | Residual Income meets guideline minimum.; Guides indicate secondary rental income on a bank statement loan will be considered on a case by case basis. In addition, the rental information provided was not on the subject property. Please provide confirmation that the use of rental income on the subject transaction was reviewed and deemed allowed in this case and also provide a market rental analysis of the subject property for review. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090047 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | XXX is Missing | XXX is Missing. The entire mortgage is missing | Document Uploaded. | XXX |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090047 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing The mortgage is not in the file | Document Uploaded. | XXX | The Deed of Trust is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090047 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing The final version of the loan application was not included in the file. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090047 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090047 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A |
| 2025090065 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Acknowledged | XXX | Property | XXX project is ineligible | Based on the lender's XXX XXX from XXX non-warrantable XXX are not permitted. The lender's loan approval in the file reflects that they have approved this as a XXX. | Document Uploaded. ; Hi you are looking at the incorrect guides. XXX XXX where it shows not permitted is for Closed End Seconds & XXX not this program | XXX | Lender exception for Non-Warrantable XXX approved by Liza Pevehouse on XXX.; The "Property Type" category on page 1 of the XXX XXX dated XXX for XXX programs reflects XXX are acceptable, however, indicates Non-Warrantable is not allowed. If the XXX we have on file is inaccurate, please provide the correct matrix through the proper channels for further review. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090065 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Please provide a copy of the lender's final 1008 for the subject transaction. The 1008 provided does not match with the income and debts or primary housing obligations on the final 1003 and the income worksheet provided in the file. Auditor's calculations: Gables Sedation Dentistry Income $XXXo and $XXX W2 income, total income $XXX/month. Subject XXX $XXX/month with net rent loss of $XXX/month. Other XXX net rent los of $XXX/month. Total other monthly debt of $XXX/month. Total monthly liabilities $XXX/month. Auditor's DTI is XXX%. Primary residence XXX on the 1008 in the file is not including the $XXX/month XXX payment and the monthly HOA obligation of $XXX/month. The primary HOA obligation is coming from the click pay document from XXX for XXX. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090065 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Please provide a fully executed addendum to the purchase contract for the subject property extending the closing date to XXX. | Document Uploaded. | XXX |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090065 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Information Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090075 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | XXX is Missing | XXX is Missing The subject appraisal indicates the subject property is a XXX. The Mortgage does not include a XXX. Please provide a XXX. | Document Uploaded. | XXX |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090075 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090075 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090041 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Assets in the files are business assets. Borrower has XXX% ownership of the business. After calculating XXX% of assets, the amount is insufficient to cover the amount for closing. Please provide documentation showing borrower has sufficient assets for closing and reserves. | Document Uploaded. this was in the file.; Document Uploaded. | XXX | Joint Access letter and CPA letter confirming other owner of business not in original file, however, provided post review. Condition cleared.; Per section XXX Business Assets, the ending balance of Business Funds used may be the "lesser" of XXX% of the ending balance or the percent of business ownership. Per the CPA letter in file, the Borrower is only XXX% owner. There is no documentation in file to determine XXX, who signed the XXX% access letter provided, is the other owner of the business. Please provide documentation to confirm XXX is the only other owner of XXX XXX. Upon receipt, the available assets will be re-reviewed. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090041 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Assets in the files are business assets. Borrower has XXX% ownership of the business. After calculating XXX% of assets, the amount is insufficient to cover the amount for closing. Please provide documentation showing borrower has sufficient assets for closing and reserves. | Document Uploaded. this was upld with the file; Document Uploaded. ; Can you send me you calculations I show we have $XXX in assets. thanks | XXX | Joint Access letter and CPA letter confirming other owner of business not in original file, however, provided post review. Condition cleared.; Per section XXX Business Assets, the ending balance of Business Funds used may be the "lesser" of XXX% of the ending balance or the percent of business ownership. Per the CPA letter in file, the Borrower is only XXX% owner. There is no documentation in file to determine XXX, who signed the XXX% access letter provided, is the other owner of the business. Please provide documentation to confirm XXX is the only other owner of XXX. Upon receipt, the available assets will be re-reviewed. Thank you.; The balance in the business account with XXX of XXX as of XXX is $XXX. Borrower is XXX% owner of that business. XXX% of $XXX = $XXX, however, funds required to close was $XXX causing insufficient funds to close. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090041 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.  |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090041 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090041 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 2025090030 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Acknowledged | XXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements The Borrowers' cash out of $XXX is greater than the maximum cash out of $XXX with an LTV greater than XXX%. Lender Approved Exception allowed cash out greater than $XXX. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090030 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Information Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090030 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Information Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 2025090147 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX policy is missing mortgage clause after lender's name. Please provide updated XXX policy with XXX XXX. | XXX: attached |  | XXX: Received | XXX | C A |
| 2025090096 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed. Per guides, LTV is reduced XXX% due to borrower being a non permanent resident alien. | XXX: CRSE |  | XXX: Exception approval received | XXX | FICO XXX, DSCR XXX, XXX months reserves B A |
| 2025090052 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Missing Article Of Organization for XXX | XXX: uploaded<br> XXX: not required as both borrower are XXX and both on the loan. thanks |  | XXX: Articles received<br> XXX: XXX required to ensure the entity is duly formed with the state | XXX | D A |
| 2025090285 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX policy is missing mortgagee clause after lender's name. Please provide updated hazard policy with XXX/XXX XXX | XXX: attached |  | XXX: Received | XXX | C A |
| 2025090044 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: Uploaded CDA |  | XXX: Received | XXX | D A |
| 2025090069 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Missing operating agreement for XXX XXX LLC in order to verify ownership percentage. | XXX: UW accepted these docs to document the XXX borrowers are the XXX owners of the LLC. This was created when the business was created to purchase the property. All XXX members signed. |  | XXX: Received | XXX | D A |
| 2025090224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% income is not properly documented | Can you please send me your calculations? thanks | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). XXX credit report dated XXX was XXX days old at time of XXX Note date. Please provide a full credit report dated Document Uploaded. ; Document Uploaded. XXX Borrower 1 Credit Report is not Expired.; Credit report provided was for XXX. Please provide a full tri-merged credit report with scores dated XXX Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D B C A D B A A A A D D A A D D A A D D A A D D A A D D A A B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |
| 2025090224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing B1 1003 indicates that he is employed by XXX. Bank statements and income analysis were performed for that business, however the ownership percentage is not confirmed. XXX% is used to conform to the lender's 1008 but a CPA letter is needed to verity that. There is no bank statement questionnaire for XXX. | Website and the address for XXX Flooring is the exact same address that is listed on the XXX for XXX. Also, the description listed of the service they provided is pretty self-explanatory to support they are one and the same. So, we should be good to good on the CPA conditions. ; Website and the address for XXX is the exact same address that is listed on the XXX for XXX. Also, the description listed of the service they provided is pretty self-explanatory to support they are one and the same. So, we should be good to good on the CPA conditions. ; Document Uploaded. I went to their website and the address for XXX is the exact same address that is listed on the XXX for XXX. Also, the description listed of the service they provided is pretty self-explanatory to support they are one and the same.; Document Uploaded. | XXX | Borrower 1 CPA Letter Provided; Borrower 1 CPA Letter Missing XXX; ; Thank you. While they may be the same company, it is unclear why there are XXX different business names. Please provide a letter of explanation regarding the reason for the XXX different business names provided by the Borrowers as reflected on the final signed 1003. In addition, we are still missing the documentation to confirm the percentage of ownership each Borrower holds in XXX LLC.; Thank you for providing the Bank Statement Questionnaire for XXX. We are unable to confirm if XXX and XXX are XXX in the same. Please provide documentation to confirm ownership percentage of XXX and XXX and that they are one in the same business. Thank you. | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Borrower 2 CPA Letter Missing | Borrower 2 CPA Letter Missing XXX indicates that he is employed by XXX. No income was provided for that company, nor was a CPA letter obtained for that business. The Bank Statement Questionnaire in file was completed by XXX on XXX. | Website and the address for XXX is the exact same address that is listed on the XXX for XXX. Also, the description listed of the service they provided is pretty self-explanatory to support they are one and the same. So, we should be good to good on the CPA conditions. ; Document Uploaded. I went to their XXX and the address for XXXis the exact same address that is listed on the XXX for XXX. Also, the description listed of the service they provided is pretty self-explanatory to support they are one and the same.; Document Uploaded. | XXX | Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals XXX); Borrower 2 CPA Letter Missing XXX; ; Thank you. While they may be the same company, it is unclear why there are XXX different business names. Please provide a letter of explanation regarding the reason for the two different business names provided by the Borrowers as reflected on the final signed 1003. In addition, we are still missing the documentation to confirm the percentage of ownership each Borrower holds in XXX LLC.; Thank you for providing the Bank Statement Questionnaire for XXX and a CPA letter for XXX Group. We are unable to confirm if XXX and XXX are one in the same. Please provide documentation to confirm percentage of ownership for XXX and XXX and that they are one in the same company. Thank you. | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines B1 1003 indicates that he is employed by XXX. Bank statements and income analysis were performed for that business, however the ownership percentage is not confirmed. XXX% is used to conform to the lender's 1008 but a CPA letter is needed to verity that. B2 indicates that he is employed by XXX. No income was provided for that company, nor was a CPA letter obtained for that business. The Bank Statement Questionnaire in file was completed by XXX on XXX. There is no questionnaire for XXX. Documentation in file confirms that the XXX businesses are XXX entities. Additionally, mortgage statements were not provided for three rental properties: XXX, XXX, and XXX. The file is also missing insurance and HOA information for the XXX XXX and the tax bill for the XXX rental. | Document Uploaded. ; Document Uploaded. On XXX. is in a company name not the borrower name; Document Uploaded. property in business name taxes; Document Uploaded. | XXX | Revised 1003 and supporting docs provided. Exception resolved. ; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines; Documents uploaded. Still need verification of $XXX XXX for XXX; the tax bill uploaded did not reflect any amounts. Also need verification that the following mortgage payments include PITI for: XXX Commonwealth $XXX, XXX XXX $2,XXX and XXX $XXX.; The document provided does not reflect the $XXX reflect on the final 1003 for XXX. We still need the following information as reflected on the XXX: Documentation to verify the $XXX mortgage on XXX and that it includes taxes and insurance as reflected on the final 1003; Documentation to verify the $XXX mortgage payment for XXX and that it includes taxes and insurance as reflected on the final 1003; Documentation to verify HOA dues for XXX XXX; Documentation to verify the $XXX mortgage payment for XXX, along with HOI, and HOA; and Documentation to verify the $XXX per month taxes/insurance/HOA dues for XXX, XXX, XXX and that it is owned free and clear as reflected on the final 1003. Please note that upon receipt we will need to re-evaluate the DTI and that exception may need to be re-opened depending on what is provided. Thank you.; XXX documentation we need the following: Documentation to verify the $XXX mortgage on XXX and that it includes taxes and insurance as reflected on the final 1003; Documentation to verify the $XXX mortgage payment for XXX and that it includes taxes and insurance as reflected on the final 1003; Documentation to verify HOA dues for XXX; Documentation to verify the $XXX mortgage payment for XXX, along with HOI, and HOA; and Documentation to verify the $XXX per month taxes/insurance/HOA dues for XXX, XXX, XXX and that it is owned free and clear as reflected on the final 1003. Please note that upon receipt we will need to re-evaluate the DTI and that exception may need to be re-opened depending on what is provided; We apologized for the confusion on this exception, please see CPA conditions for Employment/Income documentation. As for the REO documentation we need the following: Documentation to verify the $XXX mortgage on XXX and that it includes taxes and insurance as reflected on the final 1003; Documentation to verify the $XXX mortgage payment for XXX and that it includes taxes and insurance as reflected on the final 1003; Documentation to verify HOA dues for XXX; Documentation to verify the $XXX mortgage payment for XXX, along with HOI, and HOA; and Documentation to verify the $XXX per month taxes/insurance/HOA dues for XXX, XXX, XXX and that it is owned free and clear as reflected on the final 1003. Please note that upon receipt we will need to re-evaluate the DTI and that exception may need to be re-opened depending on what is provided. Thank you.; Income and Employment Do Not Meet Guidelines; | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Acknowledged | XXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Subject is located in a declining market requiring a XXX% reduction from max allowed of XXX% for an Investment property. | Document Uploaded. | XXX | Lender exception to XXX% approved by XXX on XXX. | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Acknowledged | XXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Subject is located in a declining market requiring a XXX% reduction from max allowed of XXX% for an Investment property. | Document Uploaded. | XXX | Lender Exception to XXX% approved by XXX on XXX. | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Acknowledged | XXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Subject is located in a declining market requiring a XXX% reduction from max allowed of XXX% for an Investment property. | Document Uploaded. | XXX | Lender exception to XXX% approved by XXX on XXX. | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). The State of XXX XXX guidelines effective XXX do not allow insurance agents to release copies of the replacement cost estimator. However the coverage amount of $XXX is not sufficient to cover the loan balance of $XXX. | Document Uploaded. | XXX | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 2025090224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - <br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |

---

## Exhibit 99.19

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.19**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2025090340 |  |  | XXX A |
| 2025090024 |  |  | XXX A |
| 2025090332 |  |  | XXX D C A |
| 2025090288 |  |  | XXX A |
| 2025090321 |  |  | XXX A C |
| 2025090281 |  |  | XXX D B A |
| 2025090344 |  |  | XXX A |
| 2025090330 |  |  | XXX D B A |
| 2025090341 |  |  | XXX A |
| 2025090325 |  |  | XXX D B A |
| 2025090329 |  |  | XXX A C |
| 2025090320 |  |  | XXX D B C A |
| 2025090293 |  |  | XXX D A |
| 2025090337 |  |  | XXX A |
| 2025090256 |  |  | XXX A C B |
| 2025090343 |  |  | XXX C A |
| 2025090316 |  |  | XXX D B A |
| 2025090239 |  |  | XXX A |
| 2025090211 |  |  | XXX A |
| 2025090019 |  |  | XXX A C B |
| 2025090227 |  |  | XXX A |
| 2025090257 |  |  | XXX A C B |
| 2025090162 |  |  | XXX C A |
| 2025090266 |  |  | XXX A |
| 2025090175 |  |  | XXX D B A |
| 2025090275 |  |  | XXX C A |
| 2025090270 |  |  | XXX A C |
| 2025090178 |  |  | XXX A |
| 2025090216 |  |  | XXX D A |
| 2025090274 |  |  | XXX A C B |
| 2025090297 |  |  | XXX C D A |
| 2025090194 |  |  | XXX C A |
| 2025090171 |  |  | XXX A |
| 2025090009 |  |  | XXX A C |
| 2025090131 |  |  | XXX D A |
| 2025090292 |  |  | XXX D A |
| 2025090313 |  |  | XXX A B |
| 2025090273 |  |  | XXX D C A |
| 2025090205 |  |  | XXX A |
| 2025090218 |  |  | XXX A D |
| 2025090130 |  |  | XXX A |
| 2025090167 |  |  | XXX A |
| 2025090208 |  |  | XXX A |
| 2025090159 |  |  | XXX A |
| 2025090160 |  |  | XXX D A |
| 2025090283 |  |  | XXX A |
| 2025090022 |  |  | XXX B C A |
| 2025090252 |  |  | XXX A B |
| 2025090268 |  |  | XXX A |
| 2025090170 |  |  | XXX A |
| 2025090279 |  |  | XXX A |
| 2025090193 |  |  | XXX A |
| 2025090203 |  |  | XXX D A |
| 2025090157 |  |  | XXX C A B |
| 2025090120 |  |  | XXX A B |
| 2025090023 |  |  | XXX D A |
| 2025090140 |  |  | XXX A |
| 2025090234 |  |  | XXX D A |
| 2025090153 |  |  | XXX A |
| 2025090206 |  |  | XXX A |
| 2025090259 |  |  | XXX C B A |
| 2025090169 |  |  | XXX A |
| 2025090086 |  |  | XXX D A C |
| 2025090262 |  |  | XXX A |
| 2025090021 |  |  | XXX B C A |
| 2025090010 |  |  | XXX B D A |
| 2025090180 |  |  | XXX D C A B |
| 2025090143 |  |  | XXX A C B |
| 2025090255 |  |  | XXX A |
| 2025090155 |  |  | XXX A |
| 2025090260 |  |  | XXX A C |
| 2025090240 |  |  | XXX A |
| 2025090212 |  |  | XXX C A B |
| 2025090111 |  |  | XXX A |
| 2025090146 |  |  | XXX A |
| 2025090204 |  |  | XXX D B A |
| 2025090017 |  |  | XXX B A |
| 2025090302 |  |  | XXX A |
| 2025090109 |  |  | XXX A |
| 2025090020 |  |  | XXX B C A |
| 2025090015 |  |  | XXX A |
| 2025090173 |  |  | XXX A |
| 2025090245 |  |  | XXX C A B |
| 2025090198 |  |  | XXX A |
| 2025090123 |  |  | XXX A |
| 2025090223 |  |  | XXX A |
| 2025090138 |  |  | XXX A |
| 2025090238 |  |  | XXX A |
| 2025090191 |  |  | XXX A |
| 2025090018 |  |  | XXX D A |
| 2025090094 |  |  | XXX A B |
| 2025090172 |  |  | XXX A |
| 2025090282 |  |  | XXX C A |
| 2025090188 |  |  | XXX A B |
| 2025090217 |  |  | XXX A |
| 2025090088 |  |  | XXX D A |
| 2025090287 |  |  | XXX A C B |
| 2025090083 |  |  | XXX A |
| 2025090310 |  |  | XXX A |
| 2025090278 |  |  | XXX C D A B |
| 2025090177 |  |  | XXX B A |
| 2025090112 |  |  | XXX A |
| 2025090095 |  |  | XXX A |
| 2025090058 |  |  | XXX D A |
| 2025090221 |  |  | XXX A B |
| 2025090119 |  |  | XXX A |
| 2025090152 |  |  | XXX A C B |
| 2025090048 |  |  | XXX A |
| 2025090226 |  |  | XXX A |
| 2025090156 |  |  | XXX D A |
| 2025090089 |  |  | XXX A |
| 2025090079 |  |  | XXX C A B |
| 2025090207 |  |  | XXX A |
| 2025090115 |  |  | XXX A |
| 2025090210 |  |  | XXX A |
| 2025090176 |  |  | XXX A |
| 2025090133 |  |  | XXX D A |
| 2025090074 |  |  | XXX C B A |
| 2025090077 |  |  | XXX C A |
| 2025090334 |  |  | XXX A |
| 2025090144 |  |  | XXX A |
| 2025090011 |  |  | XXX B A |
| 2025090269 |  |  | XXX D B A |
| 2025090127 |  |  | XXX D A |
| 2025090093 |  |  | XXX A C B |
| 2025090284 |  |  | XXX C A B |
| 2025090007 |  |  | XXX D A |
| 2025090228 |  |  | XXX D A |
| 2025090092 |  |  | XXX A C |
| 2025090067 |  |  | XXX A |
| 2025090105 |  |  | XXX A |
| 2025090050 |  |  | XXX A |
| 2025090053 |  |  | XXX A |
| 2025090002 |  |  | XXX B A |
| 2025090016 |  |  | XXX A D B |
| 2025090121 |  |  | XXX D A |
| 2025090309 |  |  | XXX A B |
| 2025090209 |  |  | XXX A |
| 2025090174 |  |  | XXX C A B |
| 2025090066 |  |  | XXX A |
| 2025090061 |  |  | XXX A |
| 2025090118 |  |  | XXX A C B |
| 2025090013 |  |  | XXX B D A |
| 2025090117 |  |  | XXX C A |
| 2025090132 |  |  | XXX A |
| 2025090006 |  |  | XXX A |
| 2025090057 |  |  | XXX A B |
| 2025090005 |  |  | XXX A |
| 2025090072 |  |  | XXX A C |
| 2025090070 |  |  | XXX A |
| 2025090051 |  |  | XXX A |
| 2025090040 |  |  | XXX A |
| 2025090064 |  |  | XXX A |
| 2025090043 |  |  | XXX A |
| 2025090076 |  |  | XXX A |
| 2025090062 |  |  | XXX A |
| 2025090305 |  |  | XXX A B |
| 2025090277 |  |  | XXX A |
| 2025090037 |  |  | XXX A |
| 2025090025 |  |  | XXX A |
| 2025090035 |  |  | XXX A |
| 2025090032 |  |  | XXX A |
| 2025090029 |  |  | XXX A |
| 2025090031 |  |  | XXX A |
| 2025090306 |  |  | XXX A C |
| 2025090345 |  |  | XXX C A B |
| 2025090342 |  |  | XXX C A B |
| 2025090336 |  |  | XXX D A B |
| 2025090331 |  |  | XXX A |
| 2025090280 |  |  | XXX C A |
| 2025090289 |  |  | XXX A |
| 2025090322 |  |  | XXX A |
| 2025090300 |  |  | XXX C A B |
| 2025090319 |  |  | XXX A D |
| 2025090246 |  |  | XXX C A |
| 2025090333 |  |  | XXX A |
| 2025090323 |  |  | XXX A |
| 2025090318 |  |  | XXX A |
| 2025090324 |  |  | XXX A |
| 2025090250 |  |  | XXX A |
| 2025090272 |  |  | XXX A |
| 2025090328 |  |  | XXX A |
| 2025090242 |  |  | XXX A D |
| 2025090264 |  |  | XXX A D |
| 2025090192 |  |  | XXX A |
| 2025090235 |  |  | XXX A |
| 2025090182 |  |  | XXX A |
| 2025090263 |  |  | XXX A |
| 2025090312 |  |  | XXX A |
| 2025090265 |  |  | XXX A |
| 2025090008 |  |  | XXX A |
| 2025090236 |  |  | XXX A |
| 2025090189 |  |  | XXX A |
| 2025090247 |  |  | XXX A |
| 2025090185 |  |  | XXX A D |
| 2025090241 |  |  | XXX A |
| 2025090291 |  |  | XXX A |
| 2025090113 |  |  | XXX A |
| 2025090314 |  |  | XXX A |
| 2025090261 |  |  | XXX A |
| 2025090197 |  |  | XXX A |
| 2025090195 |  |  | XXX A |
| 2025090220 |  |  | XXX A |
| 2025090215 |  |  | XXX A |
| 2025090219 |  |  | XXX C A B |
| 2025090183 |  |  | XXX A |
| 2025090326 |  |  | XXX A D |
| 2025090163 |  |  | XXX A |
| 2025090248 |  |  | XXX A |
| 2025090271 |  |  | XXX A |
| 2025090230 |  |  | XXX A |
| 2025090150 |  |  | XXX A |
| 2025090136 |  |  | XXX A |
| 2025090139 |  |  | XXX A |
| 2025090102 |  |  | XXX C A B |
| 2025090149 |  |  | XXX A |
| 2025090165 |  |  | XXX A |
| 2025090222 |  |  | XXX A |
| 2025090196 |  |  | XXX D A |
| 2025090232 |  |  | XXX B A |
| 2025090251 |  |  | XXX A |
| 2025090229 |  |  | XXX C A B |
| 2025090168 |  |  | XXX A |
| 2025090335 |  |  | XXX A |
| 2025090315 |  |  | XXX A |
| 2025090225 |  |  | XXX A |
| 2025090258 |  |  | XXX A |
| 2025090276 |  |  | XXX A |
| 2025090214 |  |  | XXX A |
| 2025090135 |  |  | XXX A |
| 2025090181 |  |  | XXX C A B |
| 2025090253 |  |  | XXX A D |
| 2025090243 |  |  | XXX A D |
| 2025090254 |  |  | XXX A |
| 2025090124 |  |  | XXX A |
| 2025090199 |  |  | XXX A |
| 2025090141 |  |  | XXX A |
| 2025090103 |  |  | XXX A |
| 2025090126 |  |  | XXX A |
| 2025090166 |  |  | XXX A |
| 2025090286 |  |  | XXX C A |
| 2025090148 |  |  | XXX A |
| 2025090213 |  |  | XXX A |
| 2025090101 |  |  | XXX A |
| 2025090014 |  |  | XXX A |
| 2025090237 |  |  | XXX A |
| 2025090164 |  |  | XXX A |
| 2025090231 |  |  | XXX D A |
| 2025090338 |  |  | XXX C A |
| 2025090114 |  |  | XXX A |
| 2025090091 |  |  | XXX A |
| 2025090303 |  |  | XXX A |
| 2025090186 |  |  | XXX C A |
| 2025090311 |  |  | XXX A |
| 2025090137 |  |  | XXX A |
| 2025090154 |  |  | XXX A |
| 2025090106 |  |  | XXX A |
| 2025090142 |  |  | XXX A |
| 2025090084 |  |  | XXX A |
| 2025090317 |  |  | XXX A |
| 2025090339 |  |  | XXX A |
| 2025090134 |  |  | XXX A |
| 2025090122 |  |  | XXX A |
| 2025090151 |  |  | XXX A |
| 2025090081 |  |  | XXX A |
| 2025090200 |  |  | XXX A |
| 2025090202 |  |  | XXX A |
| 2025090201 |  |  | XXX A |
| 2025090097 |  |  | XXX A C B |
| 2025090145 |  |  | XXX A |
| 2025090108 |  |  | XXX A |
| 2025090104 |  |  | XXX A |
| 2025090184 |  |  | XXX A |
| 2025090080 |  |  | XXX A |
| 2025090187 |  |  | XXX A D |
| 2025090107 |  |  | XXX A |
| 2025090110 |  |  | XXX A |
| 2025090179 |  |  | XXX C A |
| 2025090100 |  |  | XXX A |
| 2025090099 |  |  | XXX A |
| 2025090294 |  |  | XXX A |
| 2025090116 |  |  | XXX A |
| 2025090295 |  |  | XXX A |
| 2025090012 |  |  | XXX A D |
| 2025090249 |  |  | XXX A D |
| 2025090125 |  |  | XXX A D |
| 2025090190 |  |  | XXX A |
| 2025090042 |  |  | XXX A |
| 2025090073 |  |  | XXX A |
| 2025090327 |  |  | XXX A |
| 2025090233 |  |  | XXX A |
| 2025090003 |  |  | XXX A |
| 2025090087 |  |  | XXX A C |
| 2025090049 |  |  | XXX A |
| 2025090004 |  |  | XXX A D |
| 2025090308 |  |  | XXX C A |
| 2025090045 |  |  | XXX A |
| 2025090129 |  |  | XXX A |
| 2025090128 |  |  | XXX A |
| 2025090054 |  |  | XXX A |
| 2025090158 |  |  | XXX A |
| 2025090085 |  |  | XXX A D |
| 2025090078 |  |  | XXX A D |
| 2025090244 |  |  | XXX A |
| 2025090071 |  |  | XXX A |
| 2025090059 |  |  | XXX A |
| 2025090055 |  |  | XXX A |
| 2025090068 |  |  | XXX A |
| 2025090098 |  |  | XXX A |
| 2025090034 |  |  | XXX A |
| 2025090090 |  |  | XXX A |
| 2025090082 |  |  | XXX A |
| 2025090296 |  |  | XXX C A |
| 2025090038 |  |  | XXX A D |
| 2025090060 |  |  | XXX A |
| 2025090063 |  |  | XXX A |
| 2025090039 |  |  | XXX A |
| 2025090027 |  |  | XXX D A |
| 2025090036 |  |  | XXX A |
| 2025090026 |  |  | XXX A |
| 2025090033 |  |  | XXX A |
| 2025090046 |  |  | XXX A |
| 2025090056 |  |  | XXX A |
| 2025090028 |  |  | XXX A |
| 2025090161 |  |  | XXX A |
| 2025090298 |  |  | XXX A |
| 2025090290 |  |  | XXX A |
| 2025090267 |  |  | XXX D A |
| 2025090307 |  |  | XXX D C A B |
| 2025090047 |  |  | XXX D A |
| 2025090065 |  |  | XXX C A B |
| 2025090075 |  |  | XXX D A |
| 2025090041 |  |  | XXX D A |
| 2025090030 |  |  | XXX C A B |
| 2025090001 |  |  | XXX A C |
| 2025090147 |  |  | XXX A C |
| 2025090096 |  |  | XXX C A B |
| 2025090052 |  |  | XXX D A |
| 2025090285 |  |  | XXX A C |
| 2025090044 |  |  | XXX A D |
| 2025090069 |  |  | XXX D A |
| 2025090224 |  |  | XXX D A B |

---

## Exhibit 99.20

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2025090340 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.75% | XXX | 0.04 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090024 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2025090332 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2025090288 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4 |  |
| 2025090321 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025090281 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 2025090344 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090330 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2025090341 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090325 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090329 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 2025090320 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025090293 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 2025090337 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090267 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 2025090256 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025090343 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090316 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.67% | XXX | 0.05 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 2025090239 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 2025090211 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090019 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 2025090227 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 4.14% | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 2025090257 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | 0.0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 2025090162 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 2025090266 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025090175 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090275 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090270 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090178 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2025090216 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090274 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090297 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090194 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090171 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 2025090009 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 2025090131 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090292 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090313 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090273 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2025090205 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090218 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2025090130 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090167 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090208 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2025090159 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025090160 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -48.79% | XXX | 0.12 | Clear Capital | ClearAVM | XXX | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025090283 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2025090022 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090252 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090268 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025090170 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -5.19% | XXX | 0.06 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090279 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2025090193 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2025090203 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090157 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025090120 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090023 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2025090140 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090234 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090153 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.87% | XXX | 0.03 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 2025090206 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090259 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090169 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -8.71% | XXX | 0.05 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 2025090086 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 2025090262 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025090021 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | -3.57% | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090010 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Rate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 2025090180 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025090143 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090255 |  |  | XXX | XXX |  |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2025090155 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090260 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025090240 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 2025090212 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3.96% | XXX | 0.04 | House Canary | i-Val | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 2025090111 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2025090146 |  |  | XXX | XXX |  |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 2025090204 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2025090224 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 2025090017 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2025090302 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2025090109 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2025090020 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090015 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 1.11% | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 2025090173 |  |  | XXX | XXX |  |  | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025090245 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2025090198 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090123 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 2025090223 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025090138 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3.32% | XXX | 0.07 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.7 |  |
| 2025090238 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -8.38% | XXX | 0.04 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2025090191 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2025090018 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2025090094 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025090172 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090282 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025090188 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025090217 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090088 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025090287 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2025090083 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090310 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090278 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 2025090307 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.56% | XXX | 0.04 | Clear Capital | iAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090177 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090112 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025090095 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025090058 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2025090221 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 1.26% | XXX | 0.12 | Clear Capital | ClearAVM | XXX | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025090119 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3.57% | XXX | 0.04 | Clear Capital | iAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 2025090152 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 2025090048 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2025090226 |  |  | XXX | XXX |  |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090156 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090089 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 0.88% | XXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2025090079 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2025090207 |  |  | XXX | XXX |  |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090115 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090210 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2025090176 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090133 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090074 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090077 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090334 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 2025090144 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 2025090011 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090269 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 9.43% | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2025090127 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2025090093 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 2025090284 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090007 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025090228 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 6.73% | XXX | 0.11 | Clear Capital | ClearAVM | XXX | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2025090092 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090067 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 8.76% | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 2025090105 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090050 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090053 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090002 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090016 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 4.20% | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2025090121 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025090309 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090209 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090174 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025090066 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 2025090061 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 2025090118 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090013 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090117 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090132 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2025090047 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2025090006 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2025090057 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2025090005 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090072 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090070 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090051 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025090040 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090064 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2025090043 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Collateral Desktop Analysis | 0.0 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2025090076 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 5.87% | XXX | 0.07 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 2025090062 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025090065 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025090075 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090041 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090305 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090277 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090037 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090025 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -12.37% | XXX | 0.21 | Clear Capital | ClearAVM | XXX | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 2025090035 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090032 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2025090029 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7.89% | XXX | 0.03 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 2025090030 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -21.20% | XXX | 0.11 | Clear Capital | ClearAVM | XXX | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 2025090031 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1073 Individual XXX Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090306 |  |  | XXX | XXX | XXX |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090345 |  | XXX |  | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -8.33% |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 2025090342 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090336 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090331 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090280 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090289 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090322 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025090300 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025090319 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090246 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025090333 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090323 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025090318 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025090324 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090250 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090272 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 2.1 |  |
| 2025090328 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090242 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -6.20% | XXX | 8% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2025090264 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090192 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090235 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090182 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090263 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090312 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090265 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -9.48% | XXX | 3% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090008 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090236 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090189 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090247 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025090185 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090241 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090291 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090113 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090314 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090261 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025090197 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090195 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025090220 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7.82% | XXX | 10% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090215 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025090219 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090183 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025090326 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.35% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090163 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090248 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025090271 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7.05% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090230 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090150 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2025090136 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.4 |  |
| 2025090139 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090102 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090149 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025090165 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090222 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025090196 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090232 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | -6.58% | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090251 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 2.90% | XXX | 2% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090229 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -6.54% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090168 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090335 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090315 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090225 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090258 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2025090276 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2025090214 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090135 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025090181 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090253 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025090243 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090254 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -4.81% | XXX | 2% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090124 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025090199 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090141 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090103 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025090126 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090166 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025090286 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090148 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -8.08% | XXX | 3% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090213 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025090101 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090014 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090237 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -4.28% | XXX | 6% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090164 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090231 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025090338 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090114 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090091 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090303 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090186 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025090311 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090137 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025090154 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090106 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 11.35% | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025090142 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090084 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 2.2 |  |
| 2025090317 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090339 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090134 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025090122 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025090151 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3.49% | XXX | 7% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090081 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090200 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090202 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090201 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2025090097 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025090145 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090108 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090104 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090184 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090080 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025090187 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090107 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025090110 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025090179 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090100 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090099 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090294 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090116 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 20.04% | XXX | Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090295 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090012 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090249 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090125 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090190 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090042 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090073 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090327 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025090233 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090003 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090087 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 3.15% | XXX | 4% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090049 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -4.13% | XXX | 4% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090004 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025090308 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090045 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090129 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090128 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090054 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090158 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090085 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090078 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090244 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -4.78% | XXX | 6% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2025090071 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025090059 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090055 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090068 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090098 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090034 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025090090 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090082 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090296 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090038 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090060 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090063 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090039 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.63% | XXX | 5% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090027 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090036 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025090026 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025090033 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1073 |  |  | Eligible | 1 |  |
| 2025090046 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025090056 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090028 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090161 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025090298 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090290 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090001 |  |  | XXX | XXX |  |  | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025090147 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025090096 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090052 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025090285 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025090044 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025090069 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |

---

## Exhibit 99.21

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.21**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2025090340 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090024 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090332 | Application Date | XXX | XXX | FALSE |
| 2025090332 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090332 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090332 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090288 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090288 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090321 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090321 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090321 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090281 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090344 | Application Date | XXX | XXX | FALSE |
| 2025090344 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090344 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090330 | Application Date | XXX | XXX | FALSE |
| 2025090330 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090330 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090330 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090341 | MIN No | XXX | XXX | FALSE |
| 2025090341 | Cash Disbursement Date | XXX | XXX | FALSE |
| 2025090341 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090341 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090325 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090325 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090329 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090329 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090329 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090320 | Note Date | XXX | XXX | FALSE |
| 2025090320 | MIN No | XXX | XXX | FALSE |
| 2025090320 | Cash Disbursement Date | XXX | XXX | FALSE |
| 2025090320 | Property Type | XXX | XXX | FALSE |
| 2025090320 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090320 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090293 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090293 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090293 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090337 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090337 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090337 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090267 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090267 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090267 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090256 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090256 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090256 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090343 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090343 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090316 | Property Zip Code | XXX | XXX | FALSE |
| 2025090316 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090316 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090316 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090239 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090211 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090019 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090019 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090019 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090227 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090227 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090257 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090162 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090162 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090162 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090266 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090266 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090266 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090175 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090175 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090175 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090275 | Property Type | XXX | XXX | FALSE |
| 2025090275 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090275 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090275 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090270 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090270 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090270 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090178 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090178 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090216 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090216 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090216 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090297 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090297 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090194 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090194 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090171 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090171 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090009 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090009 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090131 | Cash Disbursement Date | XXX | XXX | FALSE |
| 2025090131 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090131 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090131 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090292 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090292 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090292 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090313 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090313 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090313 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090273 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090273 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090205 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090205 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090205 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090218 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090218 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090130 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090130 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090130 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090167 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090167 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090208 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090208 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090159 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090159 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090160 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090160 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090283 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090283 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090022 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090022 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090252 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090252 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090252 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090268 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090268 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090268 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090170 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090170 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090279 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090279 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090193 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090203 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090203 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090203 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090157 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090157 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090157 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090120 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090120 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090120 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090023 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090023 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090023 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090140 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090140 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090140 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090234 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090234 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090234 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090153 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090153 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090153 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090206 | Application Date | XXX | XXX | FALSE |
| 2025090206 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090206 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090259 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090259 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090259 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090169 | Application Date | XXX | XXX | FALSE |
| 2025090169 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090169 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090086 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090086 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090086 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090262 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090262 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090262 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090021 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090021 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090010 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090010 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090010 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090180 | Property Type | XXX | XXX | FALSE |
| 2025090180 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090180 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090180 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090143 | Property Type | XXX | XXX | FALSE |
| 2025090143 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090143 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090255 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090255 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090260 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090260 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090240 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090240 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090240 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090212 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090212 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090111 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090111 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090146 | Property Type | XXX | XXX | FALSE |
| 2025090146 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090146 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090146 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090204 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090204 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090224 | Cash Disbursement Date | XXX | XXX | FALSE |
| 2025090224 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090224 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090224 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090017 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090017 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090017 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090302 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090302 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090109 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090020 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090015 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090015 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090015 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090173 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090173 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090245 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090245 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090245 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090198 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090198 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090198 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090123 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090123 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090223 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090223 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090138 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090138 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090138 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090238 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090238 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090238 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090191 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090191 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090191 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090018 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090018 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090018 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090094 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090094 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090172 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090172 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090282 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090282 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090282 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090188 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090188 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090188 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090217 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090217 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090088 | Cash Disbursement Date | XXX | XXX | FALSE |
| 2025090088 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090088 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090287 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090287 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090083 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090083 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090310 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090310 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090278 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090278 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090307 | Property Type | XXX | XXX | FALSE |
| 2025090307 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090307 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090177 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090177 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090112 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090112 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090095 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090095 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090058 | Application Date | XXX | XXX | FALSE |
| 2025090058 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090058 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090058 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090221 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090221 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090221 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090119 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090119 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090119 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090152 | Property Type | XXX | XXX | FALSE |
| 2025090048 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090226 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090156 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090156 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090156 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090089 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090089 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090089 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090079 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090079 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090207 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090207 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090207 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090115 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090115 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090115 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090210 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090210 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090176 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090176 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090176 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090133 | Property Type | XXX | XXX | FALSE |
| 2025090133 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090133 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090133 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090074 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090077 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090077 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090077 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090334 | Application Date | XXX | XXX | FALSE |
| 2025090334 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090334 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090334 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090144 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090144 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090011 | Note Date | XXX | XXX | FALSE |
| 2025090011 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090011 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090269 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090269 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090269 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090127 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090127 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090127 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090093 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090093 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090093 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090284 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090284 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090007 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090007 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090007 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090228 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090228 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090228 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090092 | Property Type | XXX | XXX | FALSE |
| 2025090092 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090092 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090092 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090067 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090067 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090105 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090050 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090050 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090053 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090053 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090053 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090002 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090016 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090016 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090016 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090121 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090121 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090309 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090209 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090209 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090209 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090174 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090174 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090066 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090066 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090061 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090061 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090118 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090118 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090013 | Application Date | XXX | XXX | FALSE |
| 2025090013 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090117 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090117 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090117 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090132 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090132 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090132 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090047 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090047 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090047 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090006 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090006 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090057 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090057 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090057 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090005 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090005 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090070 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090070 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090051 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090051 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090051 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090040 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090040 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090040 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090064 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090064 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090064 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090043 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090043 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090043 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090076 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090062 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090062 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090062 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090065 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090065 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090065 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090075 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090075 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090041 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090041 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090305 | Property City | XXX | XXX | FALSE |
| 2025090305 | MIN No | XXX | XXX | FALSE |
| 2025090305 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090305 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090305 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090277 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090037 | Cash Disbursement Date | XXX | XXX | FALSE |
| 2025090037 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090037 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090037 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090025 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090025 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090025 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090035 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090035 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090035 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090032 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090029 | Cash Disbursement Date | XXX | XXX | FALSE |
| 2025090029 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090029 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090029 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090030 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090031 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090306 | Application Date | XXX | XXX | FALSE |
| 2025090306 | Qualifying Total Reserves Number of Months | XXX | XXX | FALSE |
| 2025090306 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 2025090306 | Qualifying All Borrower Residual Income | XXX | XXX | FALSE |
| 2025090345 | Loan_Purpose | XXX | XXX | FALSE |
| 2025090345 | Occupancy | XXX | XXX | FALSE |
| 2025090345 | Property_Type | XXX | XXX | FALSE |
| 2025090280 | Months Reserves | XXX | XXX | XXX |
| 2025090271 | Qualifying FICO | XXX | XXX | Using higher of per guidelines XXX |
| 2025090264 | Qualifying FICO | XXX | XXX | Using higher of per guidelines XXX |
| 2025090263 | City | XXX | XXX |  |
| 2025090247 | Qualifying FICO | XXX | XXX | Using higher of per guidelines XXX |
| 2025090247 | Months Reserves | XXX | XXX | XXX in the amount of $XXX on XXX |
| 2025090231 | Gross Rent | XXX | XXX | 1007 Reflects XXX / XXX |
| 2025090230 | Qualifying FICO | XXX | XXX | Using higher of per guidelines XXX |
| 2025090213 | Qualifying FICO | XXX | XXX | Using higher of per guidelines XXX |
| 2025090213 | Months Reserves | XXX | XXX | Breakdown: $XXX/ PITIA $XXX |
| 2025090195 | Months Reserves | XXX | XXX | #XXX reflects $XXX, #XXX reflects $XXX |
| 2025090189 | Months Reserves | XXX | XXX | #XXX in the amount of $XXX, #XXX in the amount of $XXX, and XXX% of #XXX |
| 2025090186 | Qualifying FICO | XXX | XXX | Using higher of per guidelines XXX |
| 2025090183 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ XXX $XXX, Taxes $XXX, Insurance $XXX |
| 2025090183 | Months Reserves | XXX | XXX | Cash out amount of $XXX |
| 2025090148 | Qualifying FICO | XXX | XXX | Using higher of per guidelines XXX |
| 2025090114 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ XXX $XXX, Taxes $XXX, Insurance $XXX, HOA $XXX |
| 2025090114 | Months Reserves | XXX | XXX | #XXX reflects $XXX on XXX |
| 2025090103 | Months Reserves | XXX | XXX | Missing bank statement in file. Using cash out proceeds only |
| 2025090091 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ XXX $XXX, Taxes $XXX, Insurance $XXX, HOA $XXX |
| 2025090091 | Months Reserves | XXX | XXX | #XXX reflects $XXX, taking XXX% of accounts #XXX |
| 2025090342 | Qualifying FICO | XXX | XXX | FICO XXX from credit report dated XXX |
| 2025090336 | Qualifying FICO | XXX | XXX | Using lower of per guidelines dated XXX |
| 2025090336 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX / XXX $XXX, Taxes $XXX, Insurance $XXX, HOA $XXX |
| 2025090335 | Qualifying FICO | XXX | XXX | Using more recent credit report dated XXX |
| 2025090335 | Months Reserves | XXX | XXX | Only using cash out proceeds of $XXX |
| 2025090319 | Qualifying FICO | XXX | XXX | Median FICO is XXX per higher of XXX credit scores |
| 2025090319 | Borrower Last Name | XXX | XXX |  |
| 2025090318 | Months Reserves | XXX | XXX | XXX account $XXX |
| 2025090008 | Months Reserves | XXX | XXX | 1031 exchange funds not provided |
| 2025090328 | Qualifying FICO | XXX | XXX | Using higher of per guidelines XXX |
| 2025090246 | Loan Purpose | XXX | XXX | Cash to borrower is $XXX |
| 2025090246 | LTV | XXX | XXX | Using as-is value of $XXX on appraisal dated XXX |
| 2025090181 | Qualifying FICO | XXX | XXX | Using higher of per guidelines XXX |
| 2025090107 | Qualifying FICO | XXX | XXX | Using credit scores from report XXX |
| 2025090107 | Months Reserves | XXX | XXX | XXX Account #XXX reflects $XXX, 1031 exchange funds of $XXX |
| 2025090142 | Qualifying FICO | XXX | XXX | Using credit score of XXX from report XXX |
| 2025090137 | Qualifying FICO | XXX | XXX | Using higher of per guidelines XXX |
| 2025090134 | Qualifying FICO | XXX | XXX | Using credit score of XXX from report XXX |
| 2025090134 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ XXX $XXX, Taxes $XXX, Insurance $XXX |
| 2025090081 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ XXX $XXX, Taxes $XXX, Insurance $XXX, HOA XXX |
| 2025090081 | Months Reserves | XXX | XXX |  |
| 2025090187 | Qualifying FICO | XXX | XXX | Using credit score from credit report dated XXX |
| 2025090100 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ XXX $XXX, Taxes $XXX, flood $XXX, hazard $XXX |
| 2025090100 | Months Reserves | XXX | XXX | Missing proceeds from secured loan amount of $XXX |
| 2025090099 | Months Reserves | XXX | XXX | Missing proceeds from secured loan amount of $XXX |
| 2025090045 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ XXX $XXX, XXX $XXX XXX $XXX |
| 2025090045 | Months Reserves | XXX | XXX |  |
| 2025090071 | Qualifying FICO | XXX | XXX | Using higher of per guidelines XXX |
| 2025090071 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ XXX $XXX, Taxes $XXX Insurance $XXX, HOA $XXX |
| 2025090071 | Months Reserves | XXX | XXX | $XXX cash out / XXX $XXX, Taxes $XXX Insurance $XXX, HOA $XXX |
| 2025090004 | Months Reserves | XXX | XXX | #XXX reflects $XXX, #XXX reflects $XXX, #XXX reflects $XXX |
| 2025090296 | Months Reserves | XXX | XXX | Must use XXX% of XXX and XXX #XXX |
| 2025090060 | Qualifying FICO | XXX | XXX | Using higher of per guidelines XXX |
| 2025090090 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX, Taxes $XXX, Insurance $XXX |
| 2025090028 | Months Reserves | XXX | XXX | #XXX reflects $XXX on XXX and #XXX reflects $XXX on XXX |
| 2025090327 | Qualifying FICO | XXX | XXX | Using higher of per guidelines XXX |
| 2025090327 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ XXX $XXX, XXX $XXX, XXX $XXX |
| 2025090327 | Months Reserves | XXX | XXX | Cash out amount of $XXX |
| 2025090082 | Property Type | XXX | XXX | XXX with XXX unit |
| 2025090098 | Property Type | XXX | XXX | Appraisal reflects XXX units |
| 2025090308 | Months Reserves | XXX | XXX | #XXX |
| 2025090290 | Qualifying FICO | XXX | XXX | Per guidelines XXX taking higher score of all borrowers |
| 2025090290 | Months Reserves | XXX | XXX | Assets $/XXX $XXX, XXX $XXX |

---

## Exhibit 99.22

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.22**

![](ex9921001.jpg)

**EXECUTIVE SUMMARY**

**AOMT 2025-9**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter Diligence"), performed an independent third-party due diligence review of 2 loans acquired by Angel Oak Mortgage Fund EU B LLC (the "Client"). The review was performed in May 2025 using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 2 loans for an aggregate original principal balance of $1,003,600.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019 <br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025  |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, February 2, 2021 |

---

**Data integrity, review scope and methodology**

**Data Integrity –** Incenter Diligence performed a data integrity analysis by comparing the information in the loan file against the data tape supplied by the Client to ascertain accuracy and completeness. All discrepancies are reported on the Data Comparison Report.

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;ARM Interest Data |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 1 FTHB |

---

Page **1** of **18**

![](ex9921001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Doc Type |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original Loan Term |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Appraised Value |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total DTI |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Subordinate Lien Amount |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

**Underwriting Conformity (<u>Standard Residential Loans</u>)**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the underwriting guidelines provided by the Client (which, for the avoidance of doubt, may be either the Client's or a third party's underwriting guidelines), eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

Page **2** of **18**

![](ex9921001.jpg)

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history, income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points and fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate
 that the appropriate employment and income documentation, such as pay stubs, tax transcripts,
 and bank statements, was provided and used to accurately qualify the borrower according
 to guidelines. Recalculate the borrower's income and debt to determine the appropriate
 debt to income ratio in accordance with the guidelines. Validate borrower's employment
 history and confirm that the appropriate income and assets were used to qualify. Make
 a reasonable assessment of whether there are any indications that income documentation
 may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate
 that assets used to qualify the borrower match the documentation in the file and the
 information used to calculate down payment, closing costs, and reserves meet program
 guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review
 exceptions, compensating factors and underwriter comments, if available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 program guidelines against the loan approval for discrepancies such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review
 the loan approval against all supporting documentation and loan application to verify
 accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 the initial loan application against the final loan application or other loan applications
 found in the file to validate the application was signed and properly completed and to
 expose discrepancies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Confirm
 that credit report(s) and verification of mortgage or rental history, when required,
 have been provided for all borrowers/guarantors, are consistent with loan approval, and
 meet guideline requirements. Verify whether any fraud alerts are listed on the credit
 reports and make a reasonable assessment of whether the borrower's profile adheres
 to applicable guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review
 the loan file for inconsistencies based on information derived from source documentation
 provided in the loan file, for the purposes of identifying misrepresentations contained
 in the loan file, including with respect to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review
 source documents for consistency with regard to subject property occupancy intent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review
 the title report for possible judgments and other liens that may have existed upon origination;
 verify chain of title, as required by guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify
 and validate the file contains sufficient property insurance coverage as required by
 guidelines; confirm property insurance policy contains appropriate mortgagee clause.
 For subject properties located in a Special Flood Hazard Area where flood insurance is
 required, verify and validate the file contains sufficient flood insurance coverage as
 required by guidelines and that flood insurance policy contains appropriate mortgagee
 clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 property details on appraisal including a review for ineligible properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify
 that Business Purpose Affidavit and Occupancy Affidavit, if applicable, were executed
 by the borrowers/guarantors and confirm that document addresses are consistent with subject
 property address and do not match the primary residence address.

Page **3** of **18**

![](ex9921001.jpg)

**Underwriting Conformity (<u>Business Purpose/DSCR</u>)**

For each loan, Incenter Diligence validated conformance to Client supplied and program requirements and noted any exceptions. Unless otherwise directed by the Client, no regulatory compliance review was performed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate
 Conformance to Product Type and Eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Financing
 Terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Loan
 Product

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Seasoning

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Geographic
 Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Loan
 Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. LTV/CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Transaction
 Types: Verify Conformance with Business Purpose Loan Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business
 Purpose Affidavit – verify signed Borrower Statement of Business Purpose is present
 in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Non-Owner
 Occupancy – verify Occupancy certification is present in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Validate
 that there is no information in the loan that contradicts occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review
 Debt Service Coverage Ratio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 Cash Flow and Expense Factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review
 Hazard/Flood Insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 preliminary Title Report/Commitment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Credit
 Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Validate
 documentation requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Verify
 acceptable Residency Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review
 credit reports used to qualify borrower, as well as consumer credit history/charge offs/collections,
 and cite any exceptions or unusual findings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Evaluate
 credit scores and tradelines against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Evaluate
 other debt obligations (alimony, child support, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. If
 required, verify that a 3rd party fraud report (DataVerify, etc.) is contained in the
 loan file and review findings to confirm all deficiencies were resolved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Evaluate
 borrower's mortgage/rental payment history using credit reports or other information
 supplied in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 that all judgements/liens/tax liens have been satisfied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Verify
 that any bankruptcy, foreclosure or forbearance activity is in accordance with guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Perform
 a review of all asset information supplied in the loan file against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Evaluate
 borrowers' asset utilization and verify sufficient liquid assets to supplement
 income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Perform
 a rental income analysis using the information supplied in the loan file as per the guidelines

**Property Valuation Review (Standard Residential and Business Purpose/DSCR Loans)**

Incenter Diligence reviewed all loans to validate the original appraisal report was provided in the loan file and that it is substantially complete. The evaluation will include the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review
 the original appraisal report to ensure the valuation was performed by a licensed appraiser
 and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify
 subject property type meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Note
 any exceptions to stated value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify
 value used to calculate LTV/CLTV and note any deviations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify
 that the loan and property data within the appraisal report matches the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 the appraisal report to ensure report value is "as is" or, if report is "subject
 to", that there is an associated completion report resolving all noted issues,
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review
 additional valuation products in the file; if there is a variance greater than 10% below
 the appraisal value, Client will be notified and an additional independent valuation
 product will be obtained as requested.

Page **4** of **18**

![](ex9921001.jpg)

**Regulatory Compliance Review (Standard Residential Loans Only, Unless Otherwise Requested)**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence will perform a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (now the Structured Finance Association or "SFA") (the "SFIG Compliance Review Scope"), as amended from time to time, and the advice of outside counsel. As it relates to TILA-RESPA Integrated Disclosures ("TRID") testing, Incenter Diligence works with outside counsel on an ongoing basis to understand and interpret compliance regulations based on recent guidance by the Consumer Financial Protection Bureau (the "CFPB") that has created deviations in the TRID review scope and related exceptions/cures. The TRID-related review scope, outlined below and not performed for investment properties, will continue to be amended where appropriate as future guidance and rules are published. Incenter Diligence's conclusions are representative of best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations. Incenter Diligence maintains an active dialogue with outside counsel, Clients, Rating Agencies, SFA and other parties when interpreting compliance regulations and amending the review scope to accurately expose the risk associated with a loan. However, no guaranties can be made that the Review includes all areas of risk that may be present in the Transaction. In addition to the foregoing, Incenter Diligence utilizes nationally recognized integrated compliance analyzer tools.

Incenter Diligence does not employ personnel who are licensed to practice law in the various jurisdictions and the findings set forth in the reports prepared by Incenter Diligence do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Incenter Diligence. All final decisions as to whether to purchase or enter into a transaction related to any individual loan or the loans in the aggregate and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such loan or loans, shall be made solely by the clients that have engaged Incenter Diligence to prepare their reports pursuant to their instructions and guidelines. Client acknowledges and agrees that the scoring models applied by Incenter Diligence are designed to identify potential risk and the Client assumes sole responsibility for determining the suitability of the information for its particular use.

Incenter Diligence reviews each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 TILA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Finance
 Charge Test (12 CFR §1026.18(d)(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;i. It
 is understated by no more than $100; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It
 is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Rescission
 Finance Charge Test (12 CFR §1026.23(h)(2)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It
 is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It
 is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Rescission
 Total of Payments Test ((12 CFR §1026.23(h)(2)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Is
 understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Is
 greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Foreclosure
 Rescission Finance Charge and Total of Payments Tests (12 CFR §1026.23(h))

Page **5** of **18**

![](ex9921001.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;e. APR
 Test 12 CFR (§1026.22(a)(2), (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;i. The
 disclosed annual percentage rate (APR) is considered accurate because it is not more
 than 1/8 of 1 percentage (for regular transactions) or 1/4 of 1 percentage (for irregular
 transactions) point above or below the APR as determined in accordance with the actuarial
 method; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 disclosed APR results from the disclosed finance charge, and the disclosed finance charge
 is considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes
 of rescission the disclosed finance charge is considered accurate under §1026.23(g)
 or (h) (the rescission finance charge test or the foreclosure rescission finance charge
 test), whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Right
 of Rescission Test (12 CFR §1026.23(a)(3), §1026.15(a)(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;i. The
 funding date is not before the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 consumer may exercise the right to rescind until midnight of the third business day following
 consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate
 Right of Rescission Notice was provided, and the correct form was used

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Dual
 Broker Compensation Test (12 CFR §1026.36(d)(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;i. If
 any loan originator receives compensation directly from a consumer in a consumer credit
 transaction secured by a dwelling, no loan originator shall receive compensation, directly
 or indirectly, from any other person other than the consumer in connection with the transaction
 for loan origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Loan
 Originator Credits Test (12 C.F.R. §1026.36(d)(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;i. Test
 that the initial disclosure (GFE/TIL/LE) does not contain any broker fees paid by the
 broker

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Financing
 of Single Premium Credit Insurance Test (12 CFR §1026.36 (i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 creditor may not finance, directly or indirectly, any premiums or fees for credit insurance
 in connection with a consumer credit transaction secured by a dwelling (including a home
 equity line of credit secured by the consumer's principal dwelling)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. TIL
 Disclosure (Pre-TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. TIL
 Disclosure Date Test (12
 CFR §1026.17(b),1026.19(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12
 U.S.C. §2601 et seq.) that is secured by the consumer's dwelling; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 initial TIL disclosure date is not 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 the consumer's written application;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The
 initial TIL disclosure date is not later than the seventh business day (counting all
 calendar days except Sunday and specified legal public holidays) before consummation
 of the transaction, or the application date of the loan is before July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The
 loan is a "residential mortgage transaction" subject to the Real Estate Settlement
 Procedures Act (12 U.S.C. §2601 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The
 initial TIL disclosure date is before consummation or three business days after the creditor
 receives the consumer's written application, whichever is earlier; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Test
 the final TIL disclosure and any re-disclosed TIL(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 final TIL disclosure is properly executed; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. The
 final TIL disclosure and any re-disclosed TIL(s) is properly completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA
 RESPA Integrated Disclosures (TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Initial
 Loan Estimate Delivery Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i)
 (provision of loan estimate form) not later than the third business day after the creditor
 receives the consumer's application

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Initial
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i)
 (provision of loan estimate form) not later than the seventh business day before consummation
 of the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan
 Estimate (12 CFR §1026.19 and 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 applicable sections of the disclosure determined to carry assignee liability were accurately
 completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 final Loan Estimate was provided to borrower prior to the Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Written
 List of Service Providers (SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the consumer is permitted to shop for a settlement service, the creditor shall provide
 the consumer with a written list identifying available providers of that settlement service
 and stating that the consumer may choose a different provider for that service. The creditor
 must identify at least one available provider for each settlement service for which the
 consumer is permitted to shop. The creditor shall provide this written list of settlement
 service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i)
 but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Revised
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i)
 on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i).
 The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i)
 not later than four business days prior to consummation. If the revised version of the
 disclosures required under §1026.19(e)(1)(i) is not provided to the consumer in
 person, the consumer is considered to have received such version three business days
 after the creditor delivers or places such version in the mail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Valid
 Change of Circumstances Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 changed circumstance(s) form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Changed
 circumstance affecting settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Changed
 circumstance affecting eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Revisions
 requested by the consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration
 of initial loan estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed
 settlement date on a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The
 date the rate was set was not provided and interest rate dependent charges change once
 the interest rate is locked; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The
 reason for re-disclosure is "Decrease in charges affecting settlement or eligibility,
 a consumer-requested revision, or other non-tolerance-related re-disclosure;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The
 initial loan estimate was not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Initial
 Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Closing
 Disclosure Test (12 CFR §1026.19 and 38)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 applicable sections of the disclosure determined to carry assignee liability were accurately
 completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Revised
 Closing Disclosure Delivery Date Test (waiting period vs. no waiting period required)
 (12
 CFR §1026.19(f)(2)(i) & (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation,
 the creditor shall provide corrected disclosures reflecting any changed terms to the
 consumer so that the consumer receives the corrected disclosures at or before consummation

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the consumer determines that the extension of credit is needed to meet a bona fide personal
 financial emergency, the consumer may modify or waive the three-business-day waiting
 period for the revised closing disclosure after receiving the disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. TRID
 Tolerance Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID
 Tolerance Testing - Charges That in Total Cannot Increase More Than 10% Test (12 CFR
 §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 aggregate amount of charges for third-party services and recording fees paid by or imposed
 on the consumer does not exceed the aggregate amount of such charges disclosed under
 §1026.19(e)(1)(i) by more than 10 percent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID
 Tolerance Testing - Lender Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID
 Reimbursement Amount Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts
 specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i)
 if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID
 Reimbursement Date Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts
 specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i)
 if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Disclosure
 of Escrow Account (§1026.38(l)(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;i. If
 the loan indicates an escrow account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c);
 §1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4),(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;c. Verify
 all amounts disclosed in Section G – Initial Escrow Payment and Closing are accurate
 (§1026.37(g)(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;d. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(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;ii. If
 the loan indicates an escrow account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c);
 (§1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4), (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;c. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(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;p. Disclosure
 of Seller Paid Closing Costs (§1026.38(t)(5)(v)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. In
 transactions involving a seller, validate whether the lender disclosed all costs being
 paid by the seller on the borrowers Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 seller paid fees are present on the borrower's Closing Disclosure, review the seller's
 Closing Disclosure or alternative documentation for accuracy of disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;q. Post-consummation
 Event and Revised Closing Disclosure Delivery Date Test

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 post-consummation revised closing disclosure delivery date is not more than 60 calendar
 days after the consummation date, or closing / settlement date if no consummation date
 was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 provided reimbursement date is not more than 60 calendar days after the consummation
 date, or closing / settlement date if no consummation date was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;r. Non-numeric
 Clerical Error and Post-consummation Revised Closing Disclosure Delivery Date Test (12
 CFR §1026.19(f)(2)(iv))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i)
 contain non-numeric clerical errors, provided the creditor delivers or places in the
 mail corrected disclosures no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. Loan
 Calculation Test on the Closing Disclosure (12 CFR §1026.38))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance
 Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Amount
 Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Total
 of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Total
 Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified
 Mortgage / Ability To Repay – Dodd Frank

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Classification
 of QM designated loan

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Determination
 of conformity thresholds (Safe Harbor or Rebuttable Presumption)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Negative
 Amortization Loan (12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction that provides for regular periodic payments
 that are substantially equal, except for the effect that any interest rate change after
 consummation has on the payment in the case of an adjustable-rate or step-rate mortgage,
 that does not result in an increase of the principal balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Interest
 Only Loan (12 CFR 1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction that provides for regular periodic payments
 that are substantially equal, except for the effect that any interest rate change after
 consummation has on the payment in the case of an adjustable-rate or step-rate mortgage,
 that does not allow the consumer to defer repayment of principal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon
 Payment Loan (12 CFR 1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction that provides for regular periodic payments
 that are substantially equal, except for the effect that any interest rate change after
 consummation has on the payment in the case of an adjustable-rate or step-rate mortgage,
 that does not result in a balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Loan
 Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction for which the loan term does not exceed 30
 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points
 and Fees (12 CFR §1026.43(e)(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;i. Points
 and fees do not exceed the qualified mortgage points and fees threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI
 (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 ratio of the consumer's total monthly debt to total monthly income at the time of consummation
 does not exceed 43 percent, calculated in accordance with Appendix Q

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 Fannie Mae and Freddie Mac, however, the revised QM rules become mandatory on July 1,
 2021, meaning that the QM Patch effectively terminates on July 1, 2021—and that
 all loans sold to Fannie and Freddie must comply with the revised QM rules, effective
 July 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. (iv)
For creditors not selling loans to Fannie Mae and/or Freddie Mac, loans underwritten from March 1, 2021 until October 1, 2022
will continue to apply the legacy QM rules; however,

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commencing July 1, 2021, legacy QM loans must be underwritten to Appendix Q and NOT to the QM Patch.

Stated another way, since the FHFA terminated the QM Patch, loans underwritten to the QM Patch after July 1 are no longer eligible for sale to the GSEs, and in effect, the QM Patch disappeared after that date, notwithstanding the CFPB's intent for it to continue until October 1, 2022. Hence, for non-agency loans, underwritten between July 1, 2021 and October 1, 2022, legacy QM loans must be underwritten in accordance with Appendix Q.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Client
 is required to advise regarding which application of QM/DTI or QM/APR rule for loans
 with application dates between 03/01/2021 and 10/01/2022 for the proper evaluation of
 QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Loans
 underwritten after 10/1/2022 will be reviewed following the revised QM (QM 2.0) rules,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. APR
 (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan APR is not to exceed the APOR plus percentage threshold, calculated according to
 12 CFR §1026.43(e)(2)(vi). With a QM/APR optional test period for loans with application
 dates between 03/01/2021 and 10/01/2022 and mandatory compliance and testing for loans
 after 10/01/2022.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The
 APR on the loan does not exceed the threshold for the loan amount:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For
 a first-lien loan with a loan amount greater than or equal to $110,260 (indexed for inflation),
 2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 a first-lien loan with a loan amount greater than or equal to $66,156 (indexed for inflation),
 but less than $110,260 (indexed for inflation), 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 a first lien loan with a loan amount less than $66,156 (indexed for inflation), 6.5 or
 more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For
 a subordinate-lien loan with a loan amount great than or equal to $66,156 (indexed for
 inflation), 3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 a subordinate-lien loan with a loan amount less than $66,156 (indexed for inflation),
 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Revised
 QM (QM 2.0)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. QM/DTI
 test will cease as of application dates on or after 10/01/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In
 addition to the Generally Applicable Factors above, all Revised QM loans must meet the
 following:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Consider
 and Verify. The creditor considers and verifies the consumer's current or expected
 income and assets and debt and his DTI or residual income

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Consider
 and Verify Safe Harbor (VSH). Creditor is deemed to have complied with this "verify"
 requirement if it complies with the verification standards in one or more of these following
 agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020 including all subsequent updates; Sections 5102 through 5500 of the

Page **10** of **18**

![](ex9921001.jpg)

Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Sections
 II.A.1 and II.A.4-5 of the Federal Housing Administration's Single-Family Housing
 Policy Handbook, issued October 24, 2019 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February
 22, 2019 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Chapter
 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct
 Single Family Housing Program, revised March 15, 2019 including all subsequent updates;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single-Family
 Guaranteed Loan Program, revised March 19, 2020 including all subsequent updates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. For
 purposes of compliance with VSH, a creditor must comply with only those provisions in
 the manuals that require creditors to verify income, assets, debt obligations, alimony
 and child support using specified documents or to classify and count particular inflows,
 property, and obligations as income, assets, debt obligations, alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Revised
 versions of manuals. A creditor also complies with the verification safe harbor where
 it complies with revised versions of the manuals listed above provided that the two versions
 are "substantially similar".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. The
 QM 2.0 Rule permits the creditor to "mix and match" verification standards
 from different agency manuals. Incenter Diligence will test the creditor's "verification"
 of third- party records in instances when the creditor either uses (i) its own procedures
 or alternatively, (ii) the verification standards of one or more of the agency handbooks
 listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Note:
 the Client must provide written policies and procedures and related documentation such
 as underwriter worksheets in order for Incenter Diligence to review loans under the QM
 2.0 Rules, and in particular, with regard to the "consider" and "verify"
 requirements. Further, if the Client intends to use the VSH, its written policies and
 procedures must specify the precise agency handbook(s) that it is relying on with specific
 references to the particular provisions addressing income, assets, debt obligations,
 alimony and child support using specified documents or to classify and count particular
 inflows, property, and obligations as income, assets, debt obligations, alimony, and
 child support—as well as the specific date(s) of the agency handbook(s) issuance,
 publication or revision. In addition, Incenter Diligence is not responsible for determining
 whether revised versions of the manuals listed above are "substantially similar"
 for purposes of the VSH; such a determination of the sole responsibility of the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Note:
 due to the inherent subjectivity of the foregoing "consider" and "verify"
 requirements, Incenter Diligence will review the Client's: (i) policies and procedures
 and worksheets and (ii) methods and criteria for verification of income and assets (regardless
 of whether the "safe harbor" is utilized) for content only, and will not
 opine whether such policies and procedures, worksheets and verification methods and criteria
 themselves comply with applicable law, and cannot guarantee that a court, governmental
 regulator, rating agency or another third party diligence provider would reach the same
 conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty (12 CFR 1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A
 covered transaction must not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 prepayment penalty is otherwise permitted by law; and the transaction:

Page **11** of **18**

![](ex9921001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Has
 an annual percentage rate that cannot increase after consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Is
 a qualified mortgage under paragraph (e)(2), (e)(4), or (f) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Is
 not a Higher Priced Mortgage Loan, as defined in § 1026.35(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home
 Ownership and Equity Protection Act – HOEPA (Sections 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Federal
 HOEPA coverage (12 CFR §1026.32(a)(1)(i), (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Tests
 that the loan is/is not secured by the consumer's principal dwelling; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Tests
 that the loan is/ is not an open-end credit plan; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. That
 the application date of the loan occurs before/after the effective date of October 1,
 1995; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. That
 the date the creditor received application occurs on or after January 10, 2014, the effective
 date of the High-Cost Mortgage amendments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High-Cost
 Mortgage APR threshold test (12 CFR §1026.32(a)(1)(i)(A), (C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan is secured by a first-lien transaction, and the annual percentage rate (APR) does
 not exceed the Average Prime Offer Rate by more than 6.5%; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 loan is a subordinate-lien transaction, and the annual percentage rate (APR), does not
 exceed the Average Prime Offer Rate by more than 8.5%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. High-Cost
 Mortgage Points and Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 total points and fees do not exceed allowable limits per the given loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. High-Cost
 Mortgage Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan contract or open-end credit agreement does not allow the creditor to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A
 prepayment penalty more than 36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prepayment
 penalties that can exceed, in total, more than 2 percent of the amount prepaid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost
 Mortgage (12 CFR §1026.32(a)(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;f. High-Cost
 Mortgage Repayment Ability Test (12
 CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other
 high-costs tests pursuant to (12 CFR §1026.32(a)(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;i. Timing
 of disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Balloon
 payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Negative
 amortization

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Prepayment
 penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Pre-loan
 counseling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Late
 charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Grace
 period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Financing
 of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher
 Priced Mortgage Loan – HMPL (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Higher
 Priced Mortgage Loan tests (12 CFR §1026.35(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Higher
 Priced Mortgage Loan required escrow account test (12 CFR §1026.35(b))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Higher
 Priced Mortgage Loan required appraisal test (12 CFR §1026.35(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited
 Acts – Brokers Comp

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Broker
 Compensation Test (12 CFR §1026.36(d)(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;i. If
 any loan originator receives compensation directly from a consumer in a consumer credit
 transaction secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. No
 loan originator shall receive compensation, directly or indirectly, from any person other
 than the consumer in connection with the transaction; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No
 person who knows or has reason to know of the consumer-paid compensation to the loan
 originator (other than the consumer) shall pay any compensation to a loan originator,
 directly or indirectly, in connection with the transaction

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide
 Mortgage Licensing System (NMLS) Tests (12 CFR §1026.36)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. verify
 the data against the NMLSR database, as available

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 RESPA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Homeownership
 Counseling Organizations Disclosure Date Test (12 CFR §1024.20(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not
 later than three business days after a lender, mortgage broker, or dealer receives an
 application, or information sufficient to complete an application, the lender must provide
 the loan applicant with a clear and conspicuous written list of homeownership counseling
 organizations that provide relevant counseling services in the loan applicant's location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 list of homeownership counseling organizations distributed to each loan applicant under
 this section shall be obtained no earlier than 30 days prior to the time when the list
 is provided to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Good
 Faith Estimate Disclosure Test (12 CFR §1024.7)

&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;i. Not
 later than 3 business days after a loan originator (broker or lender) receives an application
 for a federally related mortgage loan, or information sufficient to complete an application,
 the loan originator must provide the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Good
 Faith Estimate Disallowed Credit and Charge test (GFE Block 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;i. Looks
 for any amounts entered for both a loan discount fee and a yield spread premium or a
 lender credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Only
 one charge or one credit affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA
 Valuation Rule (12 CFR §1002.14(a)(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;a. Review
 all applicable loans for the Disclosure of Right to Receive a Copy of Appraisals. Validate
 if the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 all applicable loans for proof that lender delivered copies of appraisals and other written
 valuations three business days before consummation (closed-end), or account opening (open-end)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening, review the Post-Closing submission for an
 Acknowledgment of Receipt of Appraisal Report, or other proof that the lender provided
 the copies either at, or prior to, consummation or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** **State Specific tests (varies by state and applicability, but at a minimum includes);** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Consumer
 / Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. High-cost
 tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Higher
 Priced Mortgage Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. APR
 threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Points
 and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Covered
 loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Negative
 Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Prepayment
 tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Texas
 Home Equity Loans

Page **13** of **18**

![](ex9921001.jpg)

**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

● Initial Application (1003)

● Final Application (1003)

● Loan Approval (1008)

● HUD1 from Sale of Previous Residence

● Loan Estimates and Closing Disclosures

● Sales Contract

● Mortgage/Deed of Trust

● Note

● Guaranty Agreement

● Occupancy Affidavit

● Lease Agreements

● Business Purpose Affidavit

● Junior Lien Information

● Subordination Agreement

● Income Documentation

● Employment Documentation

● Asset Documentation

● Credit Reports

● 4506T/Tax Documentation

● Change of Circumstance Documentation

● Disclosures: Right of Rescission, Net Tangible Benefit and FACTA

● Appraisal Valuation Reports

● Title/Preliminary Title

● Flood and Hazard Insurance Policies

● Flood Certificates

**Other review and methodology**

Not applicable.

Page **14** of **18**

![](ex9921001.jpg)

**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

Page **15** of **18**

![](ex9921001.jpg)

**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property.

\* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception Categories** | &nbsp;&nbsp;**Exception <br> Count** | &nbsp;&nbsp;**Credit** <br> **Grade A**  | &nbsp;&nbsp;**Credit** <br>**Grade B**<br>| &nbsp;&nbsp;**Credit** <br> **Grade C**<br>| &nbsp;&nbsp;**Credit** <br> **Grade D \***<br>|
| &nbsp;&nbsp;Assets | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Debt | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income/Employment | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Title | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception <br> Categories** | &nbsp;&nbsp;**Exception <br> Count** | &nbsp;&nbsp;**Compliance <br> Grade A** | &nbsp;&nbsp;**Compliance <br> Grade B** | &nbsp;&nbsp;**Compliance <br> Grade C** | &nbsp;&nbsp;**Compliance <br> Grade D \*** |
| &nbsp;&nbsp;Ability to Repay | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Disclosure | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Reg | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

Page **16** of **18**

![](ex9921001.jpg)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception Categories** | &nbsp;&nbsp;**Exception <br> Count** | &nbsp;&nbsp;**Property** <br> **Grade A**<br>| &nbsp;&nbsp;**Property** <br>**Grade B** | &nbsp;&nbsp;**Property** <br> **Grade C** | &nbsp;&nbsp;**Property <br> Grade D \*** |
| &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Property Issue | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp;**% of Accuracy** |
| &nbsp;&nbsp;ARM Interest Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |

---

Page **17** of **18**

![](ex9921001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subordinate Lien Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**95.95%** |

---

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

## Exhibit 99.23

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.23**

TPR Firm: Report Date: XXX <br> Client Name: XXX Report: XXX <br> <u>Deal Name:</u> <u>XXX</u> <u>Loans in report:</u> <u>XXX</u>

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| XXX | 2025090378 |  | XXX B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing XXX Information Form | Resolved-Received XXX Customer Identification Verification. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Missing Signed XXX Information Form with XXX Missing XXX Information Form from the file. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Received XXX Customer Identification Verification. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines XXX%<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is XXX months<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX NA | N/A | N/A |

---

## Exhibit 99.24

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.24**

TPR Firm: Report Date: XXX <br> Client Name: XXX Report: XXX <br> <u>Deal Name:</u> <u>XXX</u> <u>Loans in report:</u> <u>XXX</u>

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXX | 2025090383 |  | XXX | XXX A |
| XXX | 2025090378 |  | XXX | XXX A B |

---

## Exhibit 99.25

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.25**

TPR Firm: Report Date: XXX <br> Client Name: XXX Report: XXX <br> <u>Deal Name:</u> <u>XXX</u> <u>Loans in report:</u> <u>XXX</u>

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXX | 2025090383 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| XXX | 2025090378 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX Eligible | 1 | XXX |

---

## Exhibit 99.26

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.26**

TPR Firm: Report Date: XXX <br> Client Name: XXX Report: XXX <br> <u>Deal Name:</u> <u>XXX</u> <u>Loans in report:</u> <u>XXX</u>

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **System Source** | **Reviewer Data** | **Tape Data** |
| XXX | 2025090383 |  | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 2025090378 |  | XXX | XXX | Loan Type | the1003Page | XXX | XXX |
| XXX | 2025090378 |  | XXX | XXX | Note Date | notePage | XXX | XXX |

---

## Exhibit 99.27

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.27**

![](ex9925001.jpg)

![](ex9925002.jpg)

**EXECUTIVE SUMMARY**

**AOMT 2025-9**

**July 30, 2025**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

0 \| P a g e

![](ex9925001.jpg)

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 16.0 |
| Tape Integrity Review Results Summary | 17.0 |
| Additional Loan Population Summary | 17.0 |

---

1 \| P a g e

![](ex9925001.jpg)

**INFINITY BIOGRAPHY**

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

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

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

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**DESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

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

The Review population is comprised of forty-three (43) mortgage loans that were originally reviewed from October 2024 to June 2025.

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

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

■ "Compliance Review" 7 <sup>1</sup> Mortgage Loans

■ "Credit Review" 43 Mortgage Loans

■ "Property Review" 43 Mortgage Loans

■ "Data Integrity" 43 Mortgage Loans

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

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

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

For forty-three (43) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

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

---

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

<sup>1</sup> Three (3) exempt loans were not subject to a compliance review and did not receive a compliance grade. Thirty-three (33) loans were not subject to a compliance review but are graded A for compliance as they were confirmed to be exempt investor loans with no consumer purpose.

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Infinity conducted a credit review for forty-three (43) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

There were 3 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

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

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

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

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

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

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confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

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

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

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

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

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

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

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for three (3) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other

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

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for forty-three (43) mortgage loans. For these forty-three (43) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

Infinity's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Infinity's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material

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conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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

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

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

Infinity completed a Compliance Review on seven (7) mortgage loans. Three (3) exempt loans were not subject to a compliance review and did not receive a compliance grade. Thirty-three (33) loans were not subject to a compliance review but are graded A for compliance as they were confirmed to be exempt investor loans with no consumer purpose.

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(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):**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

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

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

![](ex9925001.jpg)

&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)).

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

<u>Qualified Mortgage</u>

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

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

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Infinity then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a

mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

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<u>General Ability to Repay</u>

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

 

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9925001.jpg)

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**(XII) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset documentation;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed circumstance documentation;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination Agreement;

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

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&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.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, S&P Global Ratings ("S&P") and Kroll Bond Rating Agency, LLC ("KBRA").

**OVERALL RESULTS SUMMARY (43 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers forty-three (43) mortgage loans. Within those mortgage loans, Infinity graded forty-two (42) mortgage loans as "A" and one (1) mortgage loan as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;40 | &nbsp;&nbsp;42 | &nbsp;&nbsp;43 | &nbsp;&nbsp;42 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &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;**S&P Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;97.67% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;97.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2.33% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2.33% |
| &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;**KBRA Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;40 | &nbsp;&nbsp;42 | &nbsp;&nbsp;43 | &nbsp;&nbsp;42 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &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;**KBRA Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;97.67% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;97.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2.33% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2.33% |
| &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% |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY (43 MORTGAGE LOANS)**

Of the forty-three (43) mortgage loans reviewed, 40 (93.02%) mortgage loan had tape discrepancies across ten (10) unique data field.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;43 | &nbsp;&nbsp;20.93% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;43 | &nbsp;&nbsp;9.30% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;43 | &nbsp;&nbsp;11.63% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;43 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;43 | &nbsp;&nbsp;32.56% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;3 | &nbsp;&nbsp;43 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;40 | &nbsp;&nbsp;43 | &nbsp;&nbsp;93.02% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;29 | &nbsp;&nbsp;43 | &nbsp;&nbsp;67.44% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;38 | &nbsp;&nbsp;43 | &nbsp;&nbsp;88.37% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (43 MORTGAGE LOANS)**

\*Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$18553551.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18553551.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$18553551.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18553551.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi - Purpose/Unknown | &nbsp;&nbsp;9 | &nbsp;&nbsp;20.93% | &nbsp;&nbsp;$3678769.00 | &nbsp;&nbsp;19.83% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.33% | &nbsp;&nbsp;$263000.00 | &nbsp;&nbsp;1.42% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;30 | &nbsp;&nbsp;69.77% | &nbsp;&nbsp;$13090782.00 | &nbsp;&nbsp;70.56% |
| &nbsp;&nbsp;Rate/Term Refinance – Borrower initiated | &nbsp;&nbsp;3 | &nbsp;&nbsp;6.98% | &nbsp;&nbsp;$1521000.00 | &nbsp;&nbsp;8.20% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18553551.00** | &nbsp;&nbsp;**100.00%** |

---

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![](ex9925001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.33% | &nbsp;&nbsp;$390000.00 | &nbsp;&nbsp;2.10% |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;8 | &nbsp;&nbsp;18.60% | &nbsp;&nbsp;$2217500.00 | &nbsp;&nbsp;11.95% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;34 | &nbsp;&nbsp;79.07% | &nbsp;&nbsp;$15946051.00 | &nbsp;&nbsp;85.95% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18553551.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;7 | &nbsp;&nbsp;16.28% | &nbsp;&nbsp;$2878500.00 | &nbsp;&nbsp;15.51% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;36 | &nbsp;&nbsp;83.72% | &nbsp;&nbsp;$15675051.00 | &nbsp;&nbsp;84.49% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$18553551.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;MoFin DSCR Loan Underwriting Guidelines - March 11 2025 (v3.12).pdf |
| &nbsp;&nbsp;Selling Guide Fannie Mae |
| &nbsp;&nbsp;Selling Guide Freddie Mac |

---

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## Exhibit 99.28

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| XXX | 2025090346 | XXX | XXX | XXX | XXX | XXX B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| XXX | 2025090372 | XXX | XXX | XXX | XXX | XXX A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| XXX | 2025090353 | XXX | XXX | XXX | XXX | XXX A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |

---

## Exhibit 99.29

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.29**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| XXX | 2025090372 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 XXX Appraisal |  |  |  |  |  |  | XXX | XXX | 0.000% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| XXX | 2025090353 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 XXX Appraisal |  |  |  |  |  |  | XXX | XXX | 0.000% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| XXX | 2025090346 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 XXX Appraisal |  |  |  |  |  |  | XXX | XXX | 0.000% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |

---

## Exhibit 99.30

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.30**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| XXX | 2025090372 |  | XXX | XXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | Not Applicable | No | No |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  | XXX Reviewed:XXX<br> Times XXX<br> Times XXX<br> Times XXX<br> Currently Delinquent? :XXX<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX XXX:XXX<br> Max Days Dlq Last XXX XXX:XXX<br> Verification Type:Credit Report | XXX |  |  | No Documentation | QC Complete | XXX |
| XXX | 2025090353 |  | XXX | XXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | Not Applicable | No | No |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX Reviewed:XXX<br> Times XXX<br> Times XXX<br> Times XXX<br> Currently Delinquent? :XXX<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX XXX:XXX<br> Max Days Dlq Last XXX XXX:XXX<br> Verification Type:Credit Report | XXX |  |  | No Documentation | QC Complete | XXX |
| XXX | 2025090346 |  | XXX | XXX | Not Covered/Exempt | 2 | 2 | 2 | 1 | Not Applicable | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - XXX W<br> COMMENT: Member XXX, owns XXX% of the entity, but is not providing a XXX.<br>A copy of an exception approval letter is available in the loan file. | DSCR: XXX DSCR exceeds the guideline requirement of XXX.<br>FICO: XXX FICO exceeds the guideline requirement of XXX.<br>Reserves: The XXX months of available reserves are more than the guideline requirement of XXX months. | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  | XXX Reviewed:XXX<br> Times XXX<br> Times XXX<br> Times XXX<br> Currently Delinquent? :XXX<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX XXX:XXX<br> Max Days Dlq Last XXX XXX:XXX<br> Verification Type:Credit Report | XXX |  |  | No Documentation | QC Complete | XXX |

---

## Exhibit 99.31

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.31**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| XXX | 2025090346 |  | XXX | XXX | XXX | XXX | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | XXX | Waived | 2 | W | \* Loan does not conform to program guidelines (XXX) | Member XXX, owns XXX% of the entity, but is not providing a XXX.<br>A copy of an exception approval letter is available in the loan file. |  |  | DSCR: XXX DSCR exceeds the guideline requirement of XXX.<br>FICO: XXX FICO exceeds the guideline requirement of XXX.<br>Reserves: The XXX months of available reserves are more than the guideline requirement of XXX months. |  | QC Complete | XXX |  |  | XXX |

---

## Exhibit 99.32

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.32**

**Data Compare**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance %** | **Comment** | **Tape Source** |

---

## Exhibit 99.33

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.33**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 2025090581 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information A | Credit | Income | Borrower XXX XXX Less Than XXX Months Provided | Resolved-As per XXX XXX year XXX document required. - Due Diligence Vendor-XXX<br> Rescinded-Borrower XXX XXX Less Than XXX Months Provided As per XXX XXX year acceptable. - Due Diligence Vendor-XXX<br> Open-Borrower XXX XXX Less Than XXX Months Provided - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Borrower XXX XXX Less Than XXX Months Provided Only provided XXX XXX - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-As per XXX XXX year XXX document required. - Due Diligence Vendor-XXX<br> Rescinded-Borrower XXX XXX Less Than XXX Months Provided As per XXX XXX year acceptable. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090581 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage Document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Mortgage Statement(s) Missing for XXX - Due Diligence Vendor-XXX |  | Resolved-Mortgage Document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090581 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX<br> Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XXX<br> Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX<br> Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XXX |  |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090580 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than XXX And A Third Party Valuation Product Was Not Provided | Resolved- - Due Diligence Vendor-XXX<br> Resolved-Document Uploaded. Desk review received. - Due Diligence Vendor-XXX <br> Open-CU Score Is Greater Than XXX And A Third Party Valuation Product Was Not Provided (CU Score Is XXX) - Due Diligence Vendor-XXX |  | Resolved-Document Uploaded. Desk review received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090580 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (XXX) | Resolved-XXX document received with XXX. - Due Diligence Vendor-XXX<br> Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the XXX Completion Report is fully present, or Not Applicable - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (XXX) is not fully Present Form XXX is missing in file. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-XXX document received with XXX . - Due Diligence Vendor-XXX<br> Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the XXX Completion Report is fully present, or Not Applicable - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090580 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income | Borrower XXX XXX Tax Returns Less Than XXX Months Provided | Resolved-Borrower XXX XXX Tax Returns Are XXX Months Provided - Due Diligence Vendor-XXX<br> Open-Borrower XXX XXX Tax Returns Less Than XXX Months Provided - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Borrower XXX XXX Tax Returns Less Than XXX Months Provided Verified - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Borrower XXX Personal Tax Returns Are XXX Months Provided - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090580 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-XXX document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Borrower has provided only XXX . XXX ,XXX documents missing . - Due Diligence Vendor-XXX |  | Resolved-XXX document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090580 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage Statement received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Mortgage statement missing for Loan Number # XXX (XXX) and #XXX - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Mortgage Statement received. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090580 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX<br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Missing Third Party Fraud Report in loan package - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX<br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090579 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | XXX Party Valuation Product is Required and Missing | Resolved-Desk review received. - Due Diligence Vendor-XXX<br> Open-Document Uploaded. - Due Diligence Vendor-XXX<br> Open-Appraisal XXX. Desk review required. - Due Diligence Vendor-XXX |  | Resolved-Desk review received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090579 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Resolved-Supporting documents provided for XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Provide documentation to evidence the borrower's full PITIA for primary residence located at XXX. No documentation was provided to confirm other than the credit report which does not reflect taxes, insurance or XXX. - Due Diligence Vendor-XXX |  | Resolved-Supporting documents provided for XXX. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090578 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025090577 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | XXX Not Provided | Resolved-Document received - Due Diligence Vendor-XXX<br> Resolved-XXX Findings Report is fully present - Due Diligence Vendor-XXX<br> Resolved-Provided document XXX XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing XXX Findings Report - Due Diligence Vendor-XXX |  | Resolved-Document received - Due Diligence Vendor-XXX<br> Resolved-XXX Findings Report is fully present - Due Diligence Vendor-XXX<br> Resolved-Provided document XXX XXX - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090577 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information A | Credit | Eligibility | Purchase Contract is Expired | Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-The loan closed XXX, and the XXX reflects a closing date of XXX. An addendum to the purchase agreement extending closing date to XXX was not provided. - Due Diligence Vendor-XXX |  | Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090577 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower XXX XXX Statements Missing | Resolved-Document received - Due Diligence Vendor-XXX<br> Resolved-Received XXX months XXX - Due Diligence Vendor-XXX<br> Resolved-Borrower XXX XXX Statements Provided - Due Diligence Vendor-XXX<br> Open-Borrower XXX XXX Statements Missing - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Borrower XXX XXX Statements Missing Lender to provide asset statements for XXX , checking and XXX. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Document received - Due Diligence Vendor-XXX<br> Resolved-Received XXX months XXX - Due Diligence Vendor-XXX<br> Resolved-Borrower XXX XXX Statements Provided - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090577 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income | Income XXX Months Income Verified is Missing | Resolved-Document received - Due Diligence Vendor-XXX<br> Resolved-Income XXX Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Received Borrower - XXX income document - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Income XXX Months Income Verified is Missing Loan was qualified with XXX income $XXX, which was not documented in the loan file. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Document received - Due Diligence Vendor-XXX<br> Resolved-Income XXX Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Received Borrower - XXX income document - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090577 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Document received - Due Diligence Vendor-XXX<br> Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-XXX<br> Resolved-Received Lender income worksheet. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Lender Worksheet or Bank Statement Summary Lender to provide income worksheet used for qualification. - Due Diligence Vendor-XXX |  | Resolved-Document received - Due Diligence Vendor-XXX<br> Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-XXX<br> Resolved-Received Lender income worksheet. - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090576 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds XXX DTI | Resolved-Audited DTI of XXX% exceeds XXX DTI of XXX% Audited DTI of XXX% exceeds XXX DTI of XXX%, however the considered XXX. - Due Diligence Vendor-XXX<br> Open-Audited DTI of XXX% exceeds XXX DTI of XXX% - Due Diligence Vendor-XXX<br> Resolved-Audited DTI of XXX% exceeds XXX DTI of XXX%, However they considered XXX. - Due Diligence Vendor-XXX<br> Open-Audited DTI of XXX% exceeds XXX DTI of XXX% - Due Diligence Vendor-XXX<br> Resolved-Received documents. - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Audited DTI of XXX% exceeds XXX DTI of XXX% - Due Diligence Vendor-XXX |  | Resolved-Audited DTI of XXX% exceeds XXX DTI of XXX% Audited DTI of XXX% exceeds XXX DTI of XXX%, however the considered XXX. - Due Diligence Vendor-XXX<br> Resolved-Audited DTI of XXX% exceeds XXX DTI of XXX%, However they considered XXX . - Due Diligence Vendor-XXX<br> Resolved-Received documents. - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090576 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds XXX HCLTV | Resolved-Audited HCLTV of XXX% is less than or equal to XXX HCLTV of XXX% - Due Diligence Vendor-XXX<br> Resolved-Audited HCLTV of XXX% exceeds XXX HCLTV of XXX%, however the considered XXX. - Due Diligence Vendor-XXX<br> Open-Audited HCLTV of XXX% exceeds XXX HCLTV of XXX% - Due Diligence Vendor-XXX<br> Resolved-Validated - Due Diligence Vendor-XXX<br> Open-Audited HCLTV of XXX% exceeds XXX HCLTV of XXX% - Due Diligence Vendor-XXX |  | Resolved-Audited HCLTV of XXX% is less than or equal to XXX HCLTV of XXX% - Due Diligence Vendor-XXX<br> Resolved-Audited HCLTV of XXX% exceeds XXX HCLTV of XXX%, however the considered XXX. - Due Diligence Vendor-XXX<br> Resolved-Validated - Due Diligence Vendor-XXX |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090576 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Third Party Fraud Report Fraud report document missing in the loan file. - Due Diligence Vendor-XXX |  | Resolved-Document received<br> - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090576 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Asset Qualification Does Not Meet Guideline Requirements - Due Diligence Vendor-XXX |  | Resolved-Document received<br> - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090576 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open- - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Document received<br> - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090576 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information A | Credit | Income | Borrower XXX XXX Less Than XXX Months Provided | Resolved- - Due Diligence Vendor-XXX<br> Rescinded-Borrower XXX XXX Less Than XXX Months Provided As per XXX XXX year acceptable. - Due Diligence Vendor-XXX |  | Rescinded-Borrower XXX XXX Less Than XXX Months Provided As per XXX XXX year acceptable. - Due Diligence Vendor-XXX |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090575 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower XXX Business Tax Returns Missing | Resolved-XXX Tax returns "XXX" Loss, so documents are not required. - Due Diligence Vendor-XXX<br> Ready for Review-"XXX - UW response as follows: We do not require the tax returns for every entity reflected on the returns if we can account for the loss from the Schedule E. Here are my notes regarding that entity that are on the Cash Flow Analysis Form from XXX:<br> Did not receive XXX XXX from XXX. The losses from this company were exactly the same in XXX and XXX so deducted those losses from monthly qualifying income: XXX -$XXX + XXX -$XXX = -$XXX / XXX = -$XXX. (Showing each Borrower with XXX% of the loss -$XXX). No further info required."<br> - Seller-XXX<br> Counter-Please provide Partnership business tax returns for XXX. (loan package page #XXX) - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-XXX business tax returns are missing - Due Diligence Vendor-XXX | Ready for Review-"XXX - XXX response as follows: We do not require the tax returns for every entity reflected on the returns if we can account for the loss from the Schedule E. Here are my notes regarding that entity that are on the XXX Form from XXX:<br> Did not receive XXX XXX from XXX. The losses from this company were exactly the same in Ready for Review-Document Uploaded. - Seller-XXX and Ready for Review-Document Uploaded. - Seller-XXX so deducted those losses from monthly qualifying income: Ready for Review-Document Uploaded. - Seller-XXX -$XXX + XXX -$XXX = -$XXX / XXX = -$XXX. (Showing each Borrower with XXX% of the loss -$XXX). No further info required."<br> - Seller-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Business Tax returns "XXX" Loss, so documents are not required. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090575 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Missing Third Party Fraud Report in loan package - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Document received<br> - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090575 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Worksheet for borrower XXX and borrower XXX - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Document received<br> - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090575 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Missing tax, insurance and XXX for property "XXX", "XXX" and "XXX" - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Document received<br> - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090575 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | XXX /Current Address Issues identified in the file | Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Final 1003 lists XXX XXX as an existing XXX. - Due Diligence Vendor-XXX |  | Resolved-Document received<br> - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090574 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025090573 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XXX<br> Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Third Party Fraud Report Partially Provided Missing Fraud Report, XXX provided - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XXX<br> Resolved-Document received<br> - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090572 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025090571 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Ready for Review-Third Party Fraud Report received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Third Party Fraud Report Missing Fraud Report or notations that XXX was reviewed. - Due Diligence Vendor-XXX |  |  |  |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090570 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower XXX XXX Missing | Resolved-Borrower XXX XXX Provided - Due Diligence Vendor-XXX<br> Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Borrower XXX XXX Missing Missing XXX years XXX income for XXX employments or according to XXX findings at least XXX XXX - Due Diligence Vendor-XXX |  | Resolved-Borrower XXX XXX Provided - Due Diligence Vendor-XXX <br> Resolved-Document received<br> - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090570 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Resolved-Document received<br> - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090570 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Missing evidence about XXX on XXX for $XXX used as down payment for subject. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Document received<br> - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090570 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing XXX mortgage statement for XXX and XXX. tax returns shows rental with no interest paid but 1003 shows XXX on property. - Due Diligence Vendor-XXX |  | Resolved-Document received<br> - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090569 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | XXX Partially Provided | Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Resolved-XXX is fully present - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Incomplete or Partial Copy of XXX Findings Report was Provided Missing XXX findings - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Resolved-XXX is fully present - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090569 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than XXX And A Third Party Valuation Product Was Not Provided | Resolved-CU Score is Greater Than XXX And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To XXX And A Third Party Valuation Product Was Not Required (CU Score Is) - Due Diligence Vendor-XXX<br> Resolved-Document Uploaded. Desk Review received - Due Diligence Vendor-XXX<br> Open-Desk review required. (No XXX report provided in file to verify CU or LCA score) - Due Diligence Vendor-XXX |  | Resolved-CU Score is Greater Than XXX And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To XXX And A Third Party Valuation Product Was Not Required (CU Score Is) - Due Diligence Vendor-XXX<br> Resolved-Document Uploaded. Desk Review received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090569 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-XXX<br> Open-Appraisal is Missing - Due Diligence Vendor-XXX |  | Resolved-Appraisal has been provided - Due Diligence Vendor-XXX |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090569 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-XXX |  | Resolved-Document received<br> - Due Diligence Vendor-XXX<br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090568 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025090567 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | XXX Not Provided | Resolved-XXX Findings Report is fully present - Due Diligence Vendor-XXX<br> Resolved-XXX document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing XXX Findings Report in loan package. - Due Diligence Vendor-XXX |  | Resolved-XXX Findings Report is fully present - Due Diligence Vendor-XXX<br> Resolved-XXX document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090567 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090567 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-As per final 1003 business name is "XXX", however XXX showing as "XXX" - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090567 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-XXX<br> Resolved-Lender Worksheet received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Worksheet in loan package - Due Diligence Vendor-XXX |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-XXX<br> Resolved-Lender Worksheet received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090567 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Resolved-Taxes and insurance and XXX documents received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Missing supporting documents for XXX (tax, Insurance) - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Taxes and insurance and XXX documents received. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090566 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Third Party Fraud Report Partially Provided XXX search found, missing any other fraud report - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090565 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset XXX Missing | Resolved-Asset XXX Provided - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Asset XXX Missing Asset statement for XXX acct#XXX was not provided. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Asset XXX Provided - Due Diligence Vendor-XXX <br> Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090565 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset XXX Missing | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Asset XXX Missing Asset XXX statement for XXX acct# XXX was not provided. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090565 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset XXX Missing | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Asset XXX Missing Asset statement for XXX acct# XXX was not provided. - Due Diligence Vendor-XXX |  | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090565 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset XXX Missing | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Asset XXX Missing Asset Statement XXX acct# XXX was not provided. - Due Diligence Vendor-XXX |  | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090564 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower XXX XXX Missing | Resolved-XXX document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX- Located XXX for XXX for XXX , which provides breakdown of bonsus income used for qualifying. Per XXX, standard XXX is acceptable. Added XXX and XXX to folder. <br> - Buyer-XXX<br> Counter-Borrower using wage income and overtime or bonus income XXX or XXX years of XXX missing in the loan file. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Borrower XXX XXX Missing - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-XXX document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090564 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset XXX Missing | Resolved-Asset XXX Provided - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Asset XXX Missing - Due Diligence Vendor-XXX |  | Resolved-Asset XXX Provided - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090564 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset XXX Missing | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Asset XXX Missing - Due Diligence Vendor-XXX |  | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090564 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset XXX Missing | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Asset XXX Missing - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090564 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset XXX Missing | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Asset XXX Missing - Due Diligence Vendor-XXX |  | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090564 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset XXX Missing | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX <br> Open-Asset XXX Missing - Due Diligence Vendor-XXX |  | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090564 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset XXX Missing | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Asset XXX Missing - Due Diligence Vendor-XXX |  | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090564 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset XXX Missing | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Asset XXX Missing - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090564 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset XXX Missing | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Asset XXX Missing - Due Diligence Vendor-XXX |  | Resolved-Asset XXX Provided Or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Assets Document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090564 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement received for this property "XXX". - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Mortgage statement missing for property "XXX" - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Mortgage statement received for this property "XXX". - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090564 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Missing Third Party Fraud Report in loan package - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX <br> Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090564 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | XXX or other XXX or XXX XXX XXX Missing | Resolved-XXX Disclosure received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-XXX is expired - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-XXX Disclosure received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090563 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds XXX DTI | Resolved-Audited DTI of XXX% is less than or equal to XXX DTI of XXX% - Due Diligence Vendor-XXX<br> Resolved-Audited DTI of XXX% exceeds XXX DTI of XXX% XXX considered XXX. - Due Diligence Vendor-XXX<br> Resolved-Resolved - Due Diligence Vendor-XXX<br> Open-Audited DTI of XXX% exceeds XXX DTI of XXX% - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Audited DTI of XXX% exceeds XXX DTI of XXX% DTI Mismatch due to Insurance amount updated as per Document $XXX - Due Diligence Vendor-XXX |  | Resolved-Audited DTI of XXX% is less than or equal to XXX DTI of XXX% - Due Diligence Vendor-XXX<br> Resolved-Audited DTI of XXX% exceeds XXX DTI of XXX% Lauramc considered XXX . - Due Diligence Vendor-XXX<br> Resolved-Resolved - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090563 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090562 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Third Party Fraud Report Provide copy of Fraud Report - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090561 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Third Party Fraud Report Partially Provided Missing full fraud report, XXX reviewed - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090560 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | XXX Not Provided | Resolved-XXX Findings Report is fully present - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Missing XXX Findings Report XXX (XXX) is missing - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-XXX Findings Report is fully present - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090560 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a XXX Declared XXX. | Resolved-Document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. "XXX provided disaster inspection on XXX<br> "<br> - Seller-XXX<br> Open-Property is located in a XXX XXX area and requires a XXXinspection report showing no damage. XXX Inspection required to verify no change in appraisal valuation. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. "XXX provided disaster inspection on XXX.<br> "<br> - Seller-XXX | Resolved-Document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090560 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower XXX XXX Missing | Resolved-Document received - Due Diligence Vendor-XXX<br> Resolved-Borrower XXX XXX Provided or Not Applicable (Number of Borrowers equals XXX) - Due Diligence Vendor-XXX<br> Open-Borrower XXX XXX Missing - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Borrower XXX XXX Missing Borrower XXX XXX is Missing - Due Diligence Vendor-XXX |  | Resolved-Document received - Due Diligence Vendor-XXX<br> Resolved-Borrower XXX XXX Provided or Not Applicable (Number of Borrowers equals XXX) - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090560 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower XXX XXX Missing | Resolved-Borrower XXX XXX Provided - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX<br> Open-Borrower XXX XXX Missing - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Borrower XXX XXX Missing Borrower XXX XXX is Missing - Due Diligence Vendor-XXX |  | Resolved-Borrower XXX XXX Provided - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090560 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income | Borrower XXX XXX Less Than XXX Months Provided | Resolved-Borrower XXX XXX Are XXX or More Months Provided - Due Diligence Vendor-XXX<br> Open-Borrower XXX XXX Less Than XXX Months Provided - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX<br> Open-Borrower XXX XXX Less Than XXX Months Provided - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX uploaded, may include for both borrowers - Buyer-XXX <br> Open-Borrower XXX XXX Less Than XXX Months Provided For XXX Guidelines will allow XXX year XXX - Due Diligence Vendor-XXX |  | Resolved-Borrower XXX XXX Are XXX or More Months Provided - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090560 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower XXX XXX Missing | Resolved-Document received - Due Diligence Vendor-XXX<br> Resolved-Borrower XXX XXX Provided or Not Applicable (Number of Borrowers equals XXX) - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX <br> Open-Borrower XXX XXX Missing Borrower XXX XXX is Missing - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Document received - Due Diligence Vendor-XXX<br> Resolved-Borrower XXX XXX Provided or Not Applicable (Number of Borrowers equals XXX) - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090560 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Third Party Fraud Report Fraud Report is missing - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090559 |  | D A B | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | XXX Not Provided | Resolved-XXX Findings Report is fully present - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing XXX Findings Report As per tape data loan is approved by XXX, however XXX is missing in XXX. - Due Diligence Vendor-XXX |  | Resolved-XXX Findings Report is fully present - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090559 |  | D A B | Closed | XXX | XXX | XXX | Resolved | 1 - Information B A | Compliance | Missing Doc | Form XXX is Missing | Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Form XXX is Missing for XXX, as the borrower is having XXX% ownership % in the business. - Due Diligence Vendor-XXX |  | Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090559 |  | D A B | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Missing Third Party Fraud Report in the Loan Package. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090559 |  | D A B | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Document received - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Mortgage statement missing for XXX. - Due Diligence Vendor-XXX |  | Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090558 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | XXX Not Provided | Resolved-XXX Findings Report is fully present - Due Diligence Vendor-XXX<br> Resolved-XXX document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing XXX Findings Report XXX / XXX Report is missing (As evident on the XXX & XXX Risk Assessment is XXX) - Due Diligence Vendor-XXX |  | Resolved-XXX Findings Report is fully present - Due Diligence Vendor-XXX<br> Resolved-XXX document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090558 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Third Party Fraud Report Third Party Fraud Report is missing - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090557 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Third Party Fraud Report Provide a copy of Missing Third Party Fraud Report - Due Diligence Vendor-XXX |  | Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090557 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Document received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Please provide Mortgage statement for XXX Property below Update property.<br> 1. XXX . - Due Diligence Vendor-XXX |  | Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090556 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information A | Credit | Eligibility | Audited DTI Exceeds XXX DTI | Resolved-Resolved - Due Diligence Vendor-XXX<br> Open-Audited DTI of XXX% exceeds XXX DTI of XXX% - Due Diligence Vendor-XXX<br> Resolved-DTI within XXX% tolerance - Due Diligence Vendor-XXX<br> Rescinded-Audited DTI of XXX% exceeds XXX DTI of XXX% DTI is within XXX% tolerance of XXX DTI. - Due Diligence Vendor-XXX |  | Resolved-Resolved - Due Diligence Vendor-XXX<br> Resolved-DTI within XXX% tolerance - Due Diligence Vendor-XXX<br> Rescinded-Audited DTI of XXX% exceeds XXX DTI of XXX% DTI is within XXX% tolerance of XXX DTI. - Due Diligence Vendor-XXX |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090556 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower XXX XXX Missing | Resolved-Borrower XXX XXX Provided or Not Applicable (Number of Borrowers equals XXX) - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX<br> Open-Borrower XXX XXX Missing Verified - Due Diligence Vendor-XXX<br> Open-Borrower XXX XXX Missing - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Borrower XXX XXX Missing - Due Diligence Vendor-XXX |  | Resolved-Borrower XXX XXX Provided or Not Applicable (Number of Borrowers equals XXX) - Due Diligence Vendor-XXX<br> Resolved-Document received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090556 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Require documents are received for borrower-XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Borrower XXX Income documents are missing in the file - Due Diligence Vendor-XXX |  | Resolved-Require documents are received for borrower-XXX - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090555 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025090554 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report is received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090553 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is Received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Third Party Fraud Report Provide a copy of fraud report - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report is received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090553 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Tax and Insurance docs is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX <br> Open-Provide document proof for below address,<br>XXX - Due Diligence Vendor-XXX |  | Resolved-Tax and Insurance docs is received - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090552 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX<br> Open-Document Uploaded. - Due Diligence Vendor-XXX<br> Open-Missing Third Party Fraud Report Provide a copy of missing fraud report - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX <br> Resolved-Third Party Fraud Report document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090552 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | XXX Party Valuation Product is Required and Missing | Resolved-XXX document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Provide a copy of missing XXX - Due Diligence Vendor-XXX |  | Resolved-XXX document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090551 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Required Reserves (Number of Months) | Resolved-Audited Reserves of XXX are greater than or equal to XXX Required Reserves of XXX - Due Diligence Vendor-XXX<br> Resolved-XXX is received to verify the reserves - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Audited Reserves of XXX are less than XXX Required Reserves of XXX Missing XXX months bank statement for XXX and XXX - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Audited Reserves of XXX are greater than or equal to XXX Required Reserves of XXX - Due Diligence Vendor-XXX<br> Resolved-XXX bank statement is received to verify the reserves - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090551 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a XXX Declared XXX. | Resolved-Document Received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. "XXX provided disaster inspection on XXX.<br> "<br> - Seller-XXX<br> Open-Property is located in a XXX Declared XXX and requires a XXX inspection report showing no damage. XXX and XXX - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. "XXX provided disaster inspection on XXX.<br> "<br> - Seller-XXX | Resolved-Document Received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090551 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset XXX Missing | Resolved-XXX bank statement is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Asset XXX Missing Missing XXX months bank statements requested by XXX findings. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-XXX bank statement is received - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090551 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset XXX Missing | Resolved-XXX bank statement is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Asset XXX Missing Missing XXX months bank statements requested by XXX findings. XXX - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-XXX bank statement is received - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090551 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Missing Third Party Fraud Report report not in file - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Third Party Fraud Report is received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090550 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than XXX And A Third Party Valuation Product Was Not Provided | Resolved-CU Score is Greater Than XXX And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To XXX And A Third Party Valuation Product Was Not Required (CU Score Is XXX) - Due Diligence Vendor-XXX<br> Resolved-Document Uploaded. Desk Review Received. - Due Diligence Vendor-XXX<br> Open-Cu Score is Greater than XXX and a third party Valuation product is required. - Due Diligence Vendor-XXX |  | Resolved-CU Score is Greater Than XXX And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To XXX And A Third Party Valuation Product Was Not Required (CU Score Is XXX) - Due Diligence Vendor-XXX<br> Resolved-Document Uploaded. Desk Review Received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090550 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower XXX XXX Party VOE Prior to Close Missing | Resolved-Borrower XXX XXX Party VOE Prior to Close doc is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Borrower XXX XXX Party VOE Prior to Close Missing Third party evidence of XXX was not provided for the co-borrower. - Due Diligence Vendor-XXX |  | Resolved-Borrower XXX XXX Party VOE Prior to Close doc is received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090550 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower XXX XXX Party VOE Prior to Close Missing | Resolved-Borrower XXX XXX Party XXX Prior to Close doc is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX <br> Open-Borrower XXX XXX Party XXX Prior to Close Missing Third party evidence of XXX was not provided for the Borrower. - Due Diligence Vendor-XXX |  | Resolved-Borrower XXX 3rd Party XXX Prior to Close doc is received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090549 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | XXX Not Provided | Resolved-XXX Findings Report is fully present - Due Diligence Vendor-XXX<br> Resolved-XXX (XXX) is Received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing XXX Findings Report XXX was not provided in the loan file. - Due Diligence Vendor-XXX |  | Resolved-XXX Findings Report is fully present - Due Diligence Vendor-XXX<br> Resolved-XXX (XXX) is Received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090548 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower XXX XXX Missing | Resolved-Borrower XXX XXX document received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. "XXX - uploaded income docs for XXX to folder<br> "<br> - Buyer-XXX<br> Open-Borrower XXX XXX Missing Borrower XXX supporting income documents to verify income (XXX / XXX/ XXX) are Missing - Due Diligence Vendor-XXX |  | Resolved-Borrower XXX XXX document received. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090548 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income | Income XXX Months Income Verified is Missing | Resolved-Borrower XXX, paystubs and XXX income documents received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. "XXX- Please clarify what is needed. The paystubs, XXX and XXX for XXX were uploaded on XXX.<br> "<br> - Buyer-XXX<br> Open-Income XXX Months Income Verified is Missing XXX supporting income documents are Missing - Due Diligence Vendor-XXX |  | Resolved-Borrower XXX, XXX and XXX income documents received. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090548 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Resolved-Received XXX payment letter to verify the payment for property #XXX, XXX, XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing XXX , verification of taxes, insurance, and/or XXX fees for borrower XXX XXX - Due Diligence Vendor-XXX |  | Resolved-Received XXX payment letter to verify the payment for property #XXX, XXX, XXX - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090547 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Employment | Borrower XXX Total Years Employment Verified is Less Than XXX Months | Resolved-XXX document received. - Due Diligence Vendor-XXX<br> Resolved-Borrower XXX Total Years Employment Verified is Greater Than or Equal To XXX Months - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. "XXX- XXX manager provided written XXX and a XXX report connecting the XXX with the one listed on the XXX. Saved docs to folder.<br> "<br> - Buyer-XXX<br> Counter-Borrower is qualifying with wage income, however paystub or XXX not provided - Due Diligence Vendor-XXX<br> Ready for Review-"XXX- Asked XXX to review and provide income documentation that was used to qualify. XXX and XXX were not in file and the XXX do not show XXX. <br> "<br> - Buyer-XXX<br> Open-Borrower XXX Total Years Employment Verified is Less Than XXX Months Provide written verification of employment from XXX. - Due Diligence Vendor-XXX |  | Resolved-XXX document received. - Due Diligence Vendor-XXX<br> Resolved-Borrower XXX Total Years Employment Verified is Greater Than or Equal To XXX Months - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090547 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income | Income XXX Months Income Verified is Missing | Resolved-XXX document received. - Due Diligence Vendor-XXX<br> Resolved-Income XXX Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. "XXX- UW manager provided written XXX and a XXX report connecting the XXX with the one listed on the XXX. Saved docs to folder.<br> "<br> - Seller-XXX<br> Counter-Borrower is qualifying with wage income, however XXX or XXX not provided - Due Diligence Vendor-XXX<br> Ready for Review-"XXX- Asked XXX to review and provide income documentation that was used to qualify. XXX and XXX were not in file and the XXX do not show XXX. <br> "<br> - Seller-XXX<br> Open-Income XXX Months Income Verified is Missing Borrower's wage earner income was not documented in the loan file. XXX required a current paystub and most recent year XXX or a written verification of employment. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. "XXX- XXX manager provided written XXX and a XXX XXX report connecting the XXX with the one listed on the XXX. Saved docs to folder.<br> "<br> - Seller-XXX<br> Ready for Review-"XXX- Asked XXX to review and provide income documentation that was used to qualify. XXX and XXX were not in file and the XXX do not show XXX. <br> "<br> - Seller-XXX | Resolved-XXX document received. - Due Diligence Vendor-XXX <br> Resolved-Income XXX Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090547 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | XXX or XXX missing/required | Resolved-Verification of Rent (VOR) is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide a XXX month verification of XXX for XXX Summit XXX. Provide verification of mortgage history payments of $XXX to XXX. - Due Diligence Vendor-XXX |  | Resolved-Verification of Rent (XXX) is received - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090546 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-XXX<br> Resolved-1008 Transmittal Summary is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-1008/Underwriting Summary Not Provided 1008 is missing - Due Diligence Vendor-XXX |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-XXX <br> Resolved-1008 Transmittal Summary is received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090546 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Resolved-Third Party Fraud Report is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX <br> Open-Missing Third Party Fraud Report Third Party Fraud Report is missing - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Resolved-Third Party Fraud Report is received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090545 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Third Party Fraud Report Provide a copy of third party fraud report. - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090545 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Provide the mortgage statement for XXX, XXX and XXX. - Due Diligence Vendor-XXX |  | Resolved-Mortgage statement is received - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090545 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Income documents is received - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Provide Sufficient income document proof for the borrower income $XXX - Due Diligence Vendor-XXX |  | Resolved-Income documents is received - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090544 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Resolved-Third Party Fraud Report is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Third Party Fraud Report Fraud Report missing in file. - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Resolved-Third Party Fraud Report is received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090543 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved- - Due Diligence Vendor-XXX<br> Resolved-1008 Transmittal Summary is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-1008/Underwriting Summary Not Provided 1008/Underwriting Summary is missing in loan package - Due Diligence Vendor-XXX |  | Resolved-1008 Transmittal Summary is received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090543 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-XXX statements are received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Per XXX, the loan was approved with total assets of $XXX; however, the asset statements are missing from the loan file. Please provide the following asset statements to verify funds to close and required assets:<br>XXX - XXX dated XXX with current balance of $XXX<br> XXX - XXX dated XXX with current balance of $XXX<br> XXX - XXX dated XXX with current balance of $XXX<br>XXX - XXX dated XXX with current balance of $XXX<br> XXX - XXX dated XXX with current balance of $XXX<br> XXX - XXX dated XXX with current balance of $XXX<br>- Due Diligence Vendor-XXX |  | Resolved-XXX Bank statements are received - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090543 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Third Party Fraud Report in loan package - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090543 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | XXX Does Not Meet Guideline Requirements | Resolved-XXX expired, However XXX Notice is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-The Borrower's XXX expired XXX, which is prior to the subject Note date of XXX. - Due Diligence Vendor-XXX |  | Resolved-XXX expired, However XXX Notice is received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090543 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-XXX Document is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-The Letter of Explanation dated XXX for large deposits into the Borrower's XXX accounts was not executed. <br> XXX XXX $XXX Transfer from Other Account <br> XXX XXX $XXX Transfer from Other Account. - Due Diligence Vendor-XXX |  | Resolved-XXX Document is received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025090542 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | XXX Party Valuation Product is Required and Missing | Resolved-Document Uploaded. Desk review received. - Due Diligence Vendor-XXX<br> Open-Provide a copy of Third party valuation - Due Diligence Vendor-XXX |  | Resolved-Document Uploaded. Desk review received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090542 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing Third Party Fraud Report Provide a copy of Third party fraud report - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report is received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090542 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Resolved-Tax, Insurance and XXX Fee for other property document has received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Provide supporting documentation to verify PITIA for the following properties:<br> XXX<br> XXX - Due Diligence Vendor-XXX |  | Resolved-Tax, Insurance and XXX Fee for other property document has received - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025090542 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-XXX XXX to XXX Statement received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Unable to locate documentation to verify amount of $XXX in the XXX account listed on 1003 - Due Diligence Vendor-XXX |  | Resolved-XXX XXX to XXX Statement received - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |

---

## Exhibit 99.34

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.34**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2025090581 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXX |
| 2025090580 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXX |
| 2025090579 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1025 XXX Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090578 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 2025090577 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 2025090576 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXX | Not Eligible | 1 | XXX |
| 2025090575 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025090574 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible | 1.5 | XXX |
| 2025090573 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Not Eligible | 1 | XXX |
| 2025090572 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible | 1.1 | XXX |
| 2025090571 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible | 1 | XXX |
| 2025090570 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025090569 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 2025090568 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 1 | XXX |
| 2025090567 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible |  |  |
| 2025090566 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025090565 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXX |  | 1 | XXX |
| 2025090564 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025090563 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXX |
| 2025090562 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1.4 | XXX |
| 2025090561 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025090560 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 | XXX |
| 2025090559 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible |  |  |
| 2025090558 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible |  |  |
| 2025090557 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 2.5 |  |
| 2025090556 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1.1 | XXX |
| 2025090555 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025090554 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible | 3.9 | XXX |
| 2025090553 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025090552 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1025 XXX Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Excellent | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025090551 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025090550 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXX |
| 2025090549 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 2.7 | XXX |
| 2025090548 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025090547 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXX |
| 2025090546 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025090545 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible | 2.6 | XXX |
| 2025090544 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1.1 | XXX |
| 2025090543 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible | 1.1 | XXX |
| 2025090542 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1025 XXX Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.35

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.35**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2025090581 |  |  | XXX D A |
| 2025090580 |  |  | XXX D A C |
| 2025090579 |  |  | XXX D A |
| 2025090578 |  |  | XXX A |
| 2025090577 |  |  | XXX D A |
| 2025090576 |  |  | XXX D A |
| 2025090575 |  |  | XXX D A |
| 2025090574 |  |  | XXX A |
| 2025090573 |  |  | XXX D A |
| 2025090572 |  |  | XXX A |
| 2025090571 |  |  | XXX D A |
| 2025090570 |  |  | XXX D A |
| 2025090569 |  |  | XXX D A |
| 2025090568 |  |  | XXX A |
| 2025090567 |  |  | XXX D A |
| 2025090566 |  |  | XXX D A |
| 2025090565 |  |  | XXX D A |
| 2025090564 |  |  | XXX D A |
| 2025090563 |  |  | XXX D A |
| 2025090562 |  |  | XXX D A |
| 2025090561 |  |  | XXX D A |
| 2025090560 |  |  | XXX D A |
| 2025090559 |  |  | XXX D B A |
| 2025090558 |  |  | XXX D A |
| 2025090557 |  |  | XXX D A |
| 2025090556 |  |  | XXX D A |
| 2025090555 |  |  | XXX A |
| 2025090554 |  |  | XXX D A |
| 2025090553 |  |  | XXX D A |
| 2025090552 |  |  | XXX D A |
| 2025090551 |  |  | XXX D A |
| 2025090550 |  |  | XXX D A C |
| 2025090549 |  |  | XXX D A |
| 2025090548 |  |  | XXX D A |
| 2025090547 |  |  | XXX D A |
| 2025090546 |  |  | XXX D A |
| 2025090545 |  |  | XXX D A |
| 2025090544 |  |  | XXX D A |
| 2025090543 |  |  | XXX D A |
| 2025090542 |  |  | XXX D A |

---

## Exhibit 99.36

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.36**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2025090581 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090581 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090580 |  |  | XXX | XXX | finalCdDetailPage | XXX | XXX |  |
| 2025090580 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090580 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090580 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090579 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090578 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090578 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090578 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090577 |  |  | XXX | XXX | finalCdDetailPage | XXX | XXX |  |
| 2025090577 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090577 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090577 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090576 |  |  | XXX | XXX | finalCdDetailPage | XXX | XXX |  |
| 2025090576 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090576 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090576 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090576 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090575 |  |  | XXX | XXX | finalCdDetailPage | XXX | XXX |  |
| 2025090575 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090575 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090574 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090574 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090574 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090573 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090573 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090573 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090572 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090572 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090572 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090572 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090572 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090572 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090572 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090571 |  |  | XXX | XXX | closingDetailsNonCompliancePage | XXX | XXX |  |
| 2025090571 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090571 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090571 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090570 |  |  | XXX | XXX | finalCdDetailPage | XXX | XXX |  |
| 2025090570 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090570 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090570 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090569 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090569 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090569 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090569 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090568 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090568 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090568 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090567 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090567 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090566 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090566 |  |  | XXX | XXX | closingDetailsNonCompliancePage | XXX | XXX |  |
| 2025090566 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090566 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090565 |  |  | XXX | XXX | closingDetailsNonCompliancePage | XXX | XXX |  |
| 2025090565 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090565 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090565 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090564 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090564 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090564 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090564 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090563 |  |  | XXX | XXX | finalCdDetailPage | XXX | XXX |  |
| 2025090563 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090563 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090563 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090562 |  |  | XXX | XXX | closingDetailsNonCompliancePage | XXX | XXX |  |
| 2025090562 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090562 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090562 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090561 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090561 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090561 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090560 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090560 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090560 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090559 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090559 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090559 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090559 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090559 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090558 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090558 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090558 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090558 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090557 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090557 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090557 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090556 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090556 |  |  | XXX | XXX | closingDetailsNonCompliancePage | XXX | XXX |  |
| 2025090556 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090556 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090556 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090555 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090555 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090555 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090555 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090555 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090555 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090555 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090554 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090554 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090554 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090553 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090553 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090553 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090552 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090552 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090551 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090551 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090551 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090550 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090550 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090550 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090549 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090549 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090549 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090548 |  |  | XXX | XXX | closingDetailsNonCompliancePage | XXX | XXX |  |
| 2025090548 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090548 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090548 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090547 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090547 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090547 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090546 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090546 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090545 |  |  | XXX | XXX | closingDetailsNonCompliancePage | XXX | XXX |  |
| 2025090545 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090545 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090545 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090544 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090544 |  |  | XXX | XXX | diligenceFinalLookPage | XXX | XXX |  |
| 2025090544 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090543 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090543 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090543 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090543 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090543 |  |  | XXX | XXX | closingDetailsNonCompliancePage | XXX | XXX |  |
| 2025090543 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090543 |  |  | XXX | XXX | propertyValuationPage | XXX | XXX |  |
| 2025090543 |  |  | XXX | XXX | assetPage | XXX | XXX |  |
| 2025090542 |  |  | XXX | XXX | notePage | XXX | XXX |  |
| 2025090542 |  |  | XXX | XXX | deedOfTrustPage | XXX | XXX |  |
| 2025090542 |  |  | XXX | XXX | assetPage | XXX | XXX |  |

---