# EDGAR Filing Document

**Accession Number:** 0001954027
**File Stem:** 0001839882-23-001170
**Filing Date:** 2023-1
**Character Count:** 1965052
**Document Hash:** 49b2f95d22fe819d9176b3a30c0c1857
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001839882-23-001170.hdr.sgml**: 20230123

**ACCESSION NUMBER**: 0001839882-23-001170

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

**PUBLIC DOCUMENT COUNT**: 17

**CONFORMED PERIOD OF REPORT**: 20230123

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

**FILED AS OF DATE**: 20230123

**DATE AS OF CHANGE**: 20230123

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** A&D Mortgage Depositor LLC
- **CENTRAL INDEX KEY:** 0001954027
- **IRS NUMBER:** 920974248
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06342
- **FILM NUMBER:** 23545160

**BUSINESS ADDRESS:**
- **STREET 1:** 1040 SOUTH FEDERAL HIGHWAY
- **CITY:** HOLLYWOOD
- **STATE:** FL
- **ZIP:** 33020
- **BUSINESS PHONE:** 3057607000

**MAIL ADDRESS:**
- **STREET 1:** 1040 SOUTH FEDERAL HIGHWAY
- **CITY:** HOLLYWOOD
- **STATE:** FL
- **ZIP:** 33020
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** A&D Mortgage Depositor LLC
- **CENTRAL INDEX KEY:** 0001954027
- **IRS NUMBER:** 920974248
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1040 SOUTH FEDERAL HIGHWAY
- **CITY:** HOLLYWOOD
- **STATE:** FL
- **ZIP:** 33020
- **BUSINESS PHONE:** 3057607000

**MAIL ADDRESS:**
- **STREET 1:** 1040 SOUTH FEDERAL HIGHWAY
- **CITY:** HOLLYWOOD
- **STATE:** FL
- **ZIP:** 33020
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** A&D Mortgage Depositor LLC
- **CENTRAL INDEX KEY:** 0001954027
- **IRS NUMBER:** 920974248
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1040 SOUTH FEDERAL HIGHWAY
- **CITY:** HOLLYWOOD
- **STATE:** FL
- **ZIP:** 33020
- **BUSINESS PHONE:** 3057607000

**MAIL ADDRESS:**
- **STREET 1:** 1040 SOUTH FEDERAL HIGHWAY
- **CITY:** HOLLYWOOD
- **STATE:** FL
- **ZIP:** 33020

**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**

**A&D Mortgage Depositor LLC**

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

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

**Date of Report (Date of earliest event reported): _______**

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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)

**Imperial Fund Mortgage Trust 2023-NQM1**

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

**Central Index Key Number of depositor: 0001954027**

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

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

**Lana Izgarsheva, Secretary, (305) 760-7004**

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

**to contact in connection with this filing**

**PART I – REPRESENTATION AND WARRANTY INFORMATION**

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

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Not applicable.

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

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Not Applicable.

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

---

Not Applicable.

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

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

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

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

---

Not Applicable.

SIGNATURES

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

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| | |
|:---|:---|
| A&D Mortgage Depositor LLC | A&D Mortgage Depositor LLC |
| (Depositor) | (Depositor) |
| By: | /s/ Maksim Slyusarchuk |
| Name: | Maksim Slyusarchuk |
| Title: | President |

---

Date: January 23, 2023

EXHIBIT INDEX

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| | |
|:---|:---|
| [99.1](ex99-1.htm) | Mission Global, LLC ("Mission") Due Diligence Review Narrative Summary |
| [99.2](ex99-2.htm) | Mission Valuation Report |
| [99.3](ex99-3.htm) | Mission Rating Agency Grades |
| [99.4](ex99-4.htm) | Mission Rating Agency Grades Detail |
| [99.5](ex99-5.htm) | Mission Data Compare Summary |
| [99.6](ex99-6.htm) | Maxwell Diligence Solutions, LLC ("Maxwell Diligence") Executive Summary |
| [99.7](ex99-7.htm) | Maxwell Diligence Rating Agency Grades Summary |
| [99.8](ex99-8.htm) | Maxwell Diligence Rating Agency Grades Detail Report |
| [99.9](ex99-9.htm) | Maxwell Diligence Valuation Report |
| [99.10](ex99-10.htm) | Maxwell Diligence Data Integrity Summary |
| [99.11](ex99-11.htm) | Maxwell Diligence Data Integrity Fields |

---

## Exhibit 99.1

[Imperial Fund Mortgage Trust 2023-NQM1 ABS-15G](admortgage-abs15g_012323.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**IMPRL 2023-NQM1**

**Due Diligence Review**

**Narrative Summary**

**January 20, 2023**

**Prepared by**

**Mission Global, LLC**

For

**A&D Mortgage LLC**

This report summarizes the results of a due diligence review performed on a pool of seven hundred seventy-nine (779) loans provided by A&D Mortgage LLC ("Client") who provided Mission Global, LLC ("Mission") with a data tape, from which 100% of the loan sample was selected and loan data was entered into and analyzed using the ***Mission Global Grade<sup>®</sup>*** Underwriting and Diligence grading solution. Mission performed a detailed credit re-underwrite and regulatory compliance review of 100% loans.

Mission Global is a technology-forward service provider built on a culture of deep client service. Mission is a rating agency approved Third Party Review firm delivering underwriting and compliance audits for residential and business purpose loans. Since 1994, Mission Global and its predecessor company, Global Financial Review have provided comprehensive loan due diligence, re-underwriting, and asset management services to clients in the financial services industry. In 2015, Global Financial Review merged with the leading Secondary market consulting firm Mission Capital Advisors, LLC to form Mission Global, LLC. In 2020, Mission Capital Advisors, LLC and Mission Global, LLC were acquired by the leading real estate sales, financing and advisory service firm and now a wholly-owned subsidiary of Marcus & Millichap (NYSE:MMI).

Mission performed a full credit re-underwrite, regulatory compliance, valuation and data integrity review to meet the criteria as published by the Nationally Recognized Statistical Rating Organizations. This deal is to be rated in accordance with the published guidelines of ***Fitch Ratings, Inc.*** and ***DBRS, Inc.*** Mission performed the review beginning on April 1, 2022 and completed the review on December 31, 2022.

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| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **1** |

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In the pool 777 of the loans reviewed are considered Non-QM qualified, non-conventional or commonly referred to as non-agency residential mortgage loans, 2 of the loans were considered small balance commercial use including multi-use or small retail use. The loan pool is a mix of loans secured as either primary residence, secondary residences or investment purpose loans secured by residential single family or one-to-four family multi-family condominiums, PUD, small balance commercial and mixed-use property as collateral.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. File RE-Underwrite Credit Review

A full re-underwriting credit review was conducted to verify that the requisite underwriting guidelines as specified by Client were met. Confirmation of the loan terms was conducted through recalculation and review of documentation contained in the loan files and documents provided to Mission.

The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.2 Guidelines and Overlays

Mission reviewed each loan each mortgage loan to ensure it met the requisite guideline requirements as specified by the Client guidelines. In lieu of specific requirements, Mission also considered Regulation Z requirements including Appendix Q where applicable.

In addition to the guidelines there were five unique overlays for each type of loan program reviewed:

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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;![](ex991002.jpg) A&D Prime Rate - Primary & Investment |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;![](ex991002.jpg) A&D Super Prime Rate - Primary & Investment |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;![](ex991002.jpg) A&D Prime Jumbo Full Doc Rate - Primary & Investment |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;![](ex991002.jpg) DSCR Rate - Investment Only |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;![](ex991002.jpg) Foreign National Rate - Investment Only |

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These guideline overlays provided additional specific qualification requirements and program specific metric such as min and max loan amounts, cash out refinance limits, ranges of values for acceptance, geographic eligibility, escrow requirements, note, rate and term specific details, qualifying property types, residency requirements, limits on seller and third-party contributions, valuation and title requirements The guidelines and overlays also specified borrower requirements such as credit tradeline and credit event requirements, income and asset qualifications, and citizenship requirements.

The 2 commercial loans were underwritten using DSCR an drental schedules and applied DSCR Rate - Investment Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.2 Employment and Income

These were non-QM qualified loans with a variety of ways that Borrower income could be verified including stated and verified business Profit and Loss statement, 12/24 month bank

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| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **2** |

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statement verification, tax return and WVOE verification of employment, along with traditional full documentation including w-2, paystubs and other employment documentation. In the case of investment purpose loans, rental property income was both estimated or stated, and/or verified through leases and rent rolls. Mission verified the file documentation for minimum required level of employment and income verifications in accordance with Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.3 Income

Mission recalculates borrower(s) monthly gross income and verified calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines. The Underwriter used the lower of income stated on 1003 Application or stated/verified income. In all cases, Mission verified stated/verified income in accordance with Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.4 Assets

Mission confirmed the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity. Mission verified the file documentation for minimum required level of asset verification in accordance with Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.5 Debt-to-Income Ratio

On all primary or secondary residential loans, Mission recalculated and verified the debt-to-income ratio used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and requirements. On investment loans if full property debt and income was available Mission calculated a property income-based DTI verification.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.6 Debt Service Coverage Ratio

On all investment related loans that were qualified under the DSCR Rate program, Mission recalculated and verified the Debt Service Coverage Ratio used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and requirements. Rental income used in the calculation for each loan was either verified from an in-place lease and verification of payment or based upon projected market rents taken from the 1007 in the subject property appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.7 Property Valuation

Mission analyzed all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Mission verified the valuation waterfall in each case to determine if based upon UCDP CU credit scores whether a Desk review or a second

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| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **3** |

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appraisal was required and to verify all valuation documentation met the requirements of Client provided underwriting guidelines.

In all cases where the collateral is residential based, the primary values were supported by secondary valuation tools including either an AVM, BPO, 2<sup>nd</sup> Appraisal, Appraisal Desk Review or a secondary Drive-By appraisal. The 2 commercial properties were also supported with either a commercial BPO or Commercial AVM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.8 Loan-to-Value Ratio

Mission recalculated and verified the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and met Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.9 Credit History

Mission reviewed the initial credit reports used at origination and captured updated gap report values to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.10 Credit Scores

Mission captured FICO scores from credit reports used at origination and any updated gap report values to validate that borrower(s) met minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.11 Compensating Factors

Mission reviewed all provided guideline exceptions and verified exceptions to the Client provided underwriting guidelines were documented and that compensating factors were reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Document Review

Mission's review each loan file confirmed the presence of material documentation as applicable to the specifics of the loan transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.1 Title Commitment and Policy

Mission verified the presence of at a minimum the initial title commitment or final title policy. Mission confirmed the vested parties and the description of the property, liens and tax assessments. Given the recent origination of many of the loans contained only an initial title commitment. Comments on loans where the final title policy was still pending were noted in the resolution of each loan in the grading findings.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.2 Mortgage Note & Security Instrument

Verify the presence of the mortgage note or security instrument. Confirm that the

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| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **4** |

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document has been executed by all borrowers and that all riders, addendums and endorsement were present and duly executed. Mission confirmed that Mortgage note was either fixed or adjustable according to requirements of the Client provided underwriting guidelines and captured relevant Note data specific to each loan.

There were eighteen loans that contained note modifications or extensions. Mission verified all changes to terms and maturity dates for each of these loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.3 Mortgage & Deed of Trust

Mission verified the presence of a copy Mortgage or Deed of Trust and confirmed that the documents were executed by all required parties and that all riders, addendums and exhibits as required exist in the loan file. Mission also verified that the Mortgage was recorded or sent for recording. Given the recent origination of many of the loans contained only an executed Mortgage not a recorded document. Comments on loans where recorded Mortgage was still pending were noted in the resolution of each loan in the grading findings.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.4 Income Documentation

Mission verified the presence of income and employment related documentation as required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.5 Asset Documentation

Mission verified the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.6 Proof of Insurance

Mission verified the presence of insurance policies and certificates for mortgage, hazard and flood insurance on each loan depending upon the specifics of the loan. Mission confirmed that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Regulatory Compliance

For each primary or secondary home mortgage loan file Mission conducted a post-closing regulatory compliance review to verify that each loan was originated in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan. Mission further validated that the loans met the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending, as was applicable depending upon the specifics of the loan.

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| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **5** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.1 Federal Truth in Lending Act/Regulation Z

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2 Business Days as Defined by Regulation Z

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3 Home Ownership Equity Protection Act (HOEPA) testing, to include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.1 APR test [HOEPA (§1026.32(a)(l))] and [HPML(§1026.35(a)(l))]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.2 Points and Fees test [HOEPA (§1026.32(a)(2))]

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.3 Review and confirm documentation type (i.e. full, stated, no ratio)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3.4 Review for evidence of 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;3.3.5 Verification of Debt-to-Income conformity, when necessary.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. RESPA/Regulation X

Each investment purpose loan was reviewed by Mission to ensure compliance with the most current amendments to Regulation X. The RESPA/Regulation X review consisted of the following:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.1 Good Faith Estimate (GFE)

Mission confirmed compliance with current RESPA requirements in effect at origination of the Mortgage Loan including confirming the presence of the current GFE form in effect at the time of origination and verification the GFE was provided to the borrower(s) within three days of "Application".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.2 Application Date

Application was defined by Regulation X and generally considered complete when the creditor collected information regarding the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower(s) First
and Last Name

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subject Property
Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Loan Amount
Sought

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Estimation of Property
Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Monthly Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.3 Broker Fees and Yield Spread

Mission verified that all Broker fees, including Yield Spread Premium ("YSP") were accurately disclosed and reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.4 GFE Fees

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.5 Change of Circumstance (COC)

Mission reviewed all available documentation to determine whether a Change of Circumstance (COC) form was required to accompany each revised Good Faith Estimate (GFE).

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| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **7** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.6 Change of Circumstance Definition:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.1 Acts of God, war, disaster or other emergencies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.2 Information
in particular to borrower or transaction that was relied on in providing the GFE and that changes or is found to be inaccurate
after GFE has been provided to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.3 New information particular to the borrower
or transaction that was not relied on in providing the GFE; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.4 Other circumstances that are particular
to borrower or transaction, including boundary disputes, need for flood insurance or environmental problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.5 In the event any of the above occurs,
the loan originator is required to provide a new revised GFE to the borrower within three business days of receiving information
sufficient to establish "changed circumstances" and document the reason the revised GFE was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.6 Rate Locks: If the rate has not been locked
by the borrower or a locked rate has expired, the charge or credit for rate chosen, adjusted origination charges, per diem interest
and loan terms related to the rate may change. If borrower later locks the rate, a new GFE must be provided showing the revised
rate-dependent charges and terms. All other charges and terms must remain the same as on the original GFE, except as otherwise
provided above for "changed circumstances."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.7 Final HUD-1

Mission confirmed compliance with current RESPA requirements in effect at origination of the Mortgage Loan including the presence of the current applicable Final HUD-1 form and that the Final HUD-1 accurately lists all broker and YSP fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.8 Good Faith Estimate (GFE) and Final HUD-1 Analysis

Mission confirmed compliance with current RESPA requirements in effect at origination of the Mortgage Loan.

This analysis included 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;4.2.7 Analysis of Origination fees disclosed
on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following
charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Credit or Charge
for Interest Rate Chosen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Adjusted Origination
Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Transfer Taxes

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.8 Analysis of Third-Party fees disclosed
on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between
GFE and actual charges at settlement for sum of following services:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Government recording
charges. Analysis to confirm all fees are accurately reflected in the correct tolerance category on the Good Faith Estimate (GFE)
and Final HUD-1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.9 Analysis to confirm lender accurately
provided borrower adequate restitution in the event of tolerance violations and timelines for restitution/document correction were
adhered to.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.10 Analysis to confirm loan terms are accurately
disclosed between the Good Faith Estimate(GFE) and Final HUD-1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2.11 Analysis to confirm page 3 of the HUD-1
accurately reflects fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. QM/ATR (Qualified Mortgage and Ability to Repay) Dodd Frank Review (Loans
with Application Date on or after 01/10/2014)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1 Ability-to-Repay:

The loans reviewed in this pool were all non-QM loans at origination so were not subject to QM Points and fees testing, except for one loan which was qualified as QM: Average Prime Offer Rate (APOR). On this loan specifically, Mission did verify that underwriter confirmed ATR's eight verification steps for any origination. Mission verified documentation sufficient to run ATR checks on all loans to meet ATR requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Income and assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Current employment
status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Monthly qualifying
mortgage payment for the proposed 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;■ Monthly qualifying
mortgage payment for the simultaneous loan on the same property payments for taxes, insurance and HOA, and other housing expenses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Debts, 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;■ Qualifying monthly
DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ 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;■ Credit history

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2 Verification of ATR.

All the verifications were made and each of the eight topic areas were confirmed to agree with the representations made by the lender, and there were no credit exceptions to the lender's guidelines, the loan passed the ATR test. If any of the conditions fail or the loan lacked sufficient documentation to support the stated values in any of the areas, affected items will not be considered verified and the loan was failed for the ATR test. In all cases the loans reviewed by Mission in this pool were reported as ATR-Pass, and ATR-Exempt.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3 Qualified Mortgage.

Only one loan in the pool was qualified under the QM: Average Prime Offer Rate (APOR). The remainder of the loans contained in this pool were non-Qualified Mortgages and therefore classified as Non-QM in the reports. The following was verified as well:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.1 Mission verified the were no Negative
Amortization and no interest only 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;5.3.2 Mission verified there were no loan terms
that exceeded 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;5.3.3 Mission verified these were non-QM loans
and therefore exempt from QM Points and Fees testing. However, were specific state requirement exist, Mission identified these
loans with a Finding of Informational only.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.4 QM DTI Testing.

The one QM loan in the pool was qualified under the new QM: Average Prime Offer Rate (APOR) rules which do not consider DTI. The debt-to-income threshold of 43.00% applies only to any QM loan originated prior to the new rules. Mission verified these were non-QM loans and therefore exempt from QM DTI testing. However, Mission did calculate DTI and verify to comply with the Client provided underwriting guideline requirements. Mission verified amounts included in the QM debt-to-income test- verified income and assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support and open debts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.5 HPML Testing- QM APR.

Mission verified these were non-QM loans and therefore exempt from HPML Testing- QM APR testing.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.6 Escrow Requirement – High Cost.

Mission verified the required escrow accounts to be in place for the first five years of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. TILA/RESPA Integrated Disclosures

Mission used following criteria was used in determining whether TRID applies:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.2 Application Date

The Application Date is October 3, 2015, or later (the earlier of the date the broker or lender received the borrower's application).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.3 Purpose and Property Type

For those loans where the Purpose and Property Type included a closed-end mortgage secured by real estate and primary purpose was to occupy or hold as a second home (Purchase or Refinance).

The loan Purpose and Property Type does not include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Home Equity Lines
of 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;■ Reverse mortgages

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Dwellings that
are not attached to real 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;&nbsp;&nbsp;&nbsp;&nbsp;■ Mobile homes, where
the consumer does not own the land

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.4 TILA Exemption

Mission applied the standard exemptions from TILA, i.e., business purposes loans, loans for agricultural purposes and loans secured by five (5) or more units.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.5 TRID Loan Estimate ("LE")

Mission verified of compliance with timing requirements as to whether the Initial LE was delivered within three (3) business days from the Application Date. The Initial LE shall use the delivery date to calculate the earliest closing Consummation Date (no less than seven (7) business days from the delivery of the Initial LE). The delivery date is the date the creditor hand delivers the disclosures or places the disclosures in the mail, 1026.19(e)(l).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.6 Revised LE's

Mission verified any revision to the Initial LE and validated that the Revised LE was provided within three (3) days of COC, BRC or interest rate lock. Mission validated as necessary for sufficient information to establish one of the six (6) valid reasons to reset tolerance fees set forth in 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;&nbsp;&nbsp;&nbsp;&nbsp;■ Changed Circumstance
affecting settlement 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;■ Change Circumstance
affecting eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Revisions requested
by the consumer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Interest rate dependent
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;■ Expiration of the
LE 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;■ Delayed settlement
date on a construction loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Timing Requirement
for LE seven days prior to consummation

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Mission also validated that settlement charges good through date, time and time zone were properly disclosed with minimum of ten (10) days during which borrower is permitted to shop knowing fees are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.7 Determination of Final LE

Mission analyzed each LE in file to determine final Binding LE. If there is a change in loan terms, change in interest rate or increase in charges subject to variances without valid reason for a Revised LE as set forth above, findings were cited. If the Revised LE was issued without a valid reason, the previous valid LE was considered the Binding LE for the purposes of comparison with the Closing Disclosure. Mission verified compliance with timing requirements to ensure there were no loan estimates provided to the borrower after a Closing Disclosure had been delivered, and whether the Final LE was provided at least four (4) business days prior to the closing Consummation Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.8 LE Confirmation of Receipt

If the LE did not contain a signature line for the consumer's confirmation of receipt, then Mission verified electronic delivery of documents provided to borrower.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9 Closing Disclosures

Mission analyzed each Closing Disclosure in the file all sections of Closing Disclosures were completed (no blanks, ''NA's" or incomplete sections) and the Disclosure is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.1 Mission verified that the correct form is used and General loan information and loan terms
sections were completed, and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.2 Verified the loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.3 Verified all applicants applying for credit, as disclosed on the application, are listed
on the CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.4 Verified critical section such as "Can this amount increase after closing?" and
"Does the loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.5 If rate was locked, Mission verified lock expiration date, time and time zone was 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;6.9.6 Validated projected Payments and Estimated Taxes, Insurance & Assessments sections were
complete and accurate based on the loan terms and information known at the time 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;6.9.7 Verified the Closing Costs and Cash-to-Close sections were complete and accurate based on
the information provided on page 2 of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.8 Verified fees disclosed properly (alphabetical order within Section with certain exceptions,
and all title fees start with "Title - ") were accurate in the Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.9 Validated when Interest Only
Payments, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment ("AP") Table were disclosed
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accurate based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.10 Validated when ARM or Step Rate, that Adjustable Interest Rate ("AIR") Table was
properly disclosed and accurate based on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.11 Verified the Comparison section is complete.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9.12 Validated that all Rounding rules were verified as per 1026.37(o)(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;6.9.13 Validated the Other Considerations Section was complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.10 Written List of Providers

Mission verified that if the lender placed fees in the Services You Can Shop For category, that the file properly contained a Written List of Providers provided to the borrower within three (3) business days of application. The WLSP must have included at least one available provider for each service and state the consumer may choose a different provider for that service. If a WLSP was not provided, the fees will be treated as a 10% Tolerance fee and a finding for missing service provider list will be noted. If a WLSP is provided outside of three (3) days of the application date, the fees will be treated as a 10% Tolerance fee and a finding for a service provider list being provided outside of three (3) days from application will be noted.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11 Variance Testing

Mission deploys in its testing one or the other of the following Variance Categories in performing variance tests:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.1 Zero Tolerance Variance- A finding will be cited if any charges
increase from the Binding LE to the Final CD without COC or BRC.

Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Fees paid to the
lender, broker or an affiliate of either lender or broker [except fees paid to an affiliate of the lender for services NOT required
by the creditor are not subject to tolerance/variance per CFR 1026.19(e)(3)(iii)(E)];

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Fees paid to an
unaffiliated third party if the lender did not permit the borrower to shop for servicer; 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;■ Transfer taxes.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Lender Credits

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.2 10% Tolerance Variance- A finding will be cited if the aggregate
of the charges increased by more than 10% from the Binding LE to the Final CD without COC or BRC. If a fee/service is listed on
the LE but not charged/reflected on the Final CD, the fee will be removed and not considered in calculating the 10% variance threshold
pursuant to CFR 19(e)(3)(ii)-5.

Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Recording fees;
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;■ Charges
for third party services not paid to creditor or affiliate AND borrower permitted to shop for service but selects a provider on
the

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creditor's Written List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.3 Prepaid mortgage insurance will be treated as a 10% tolerance
fee if it can be shopped for (and not identified as an affiliate), otherwise it will be treated as a Zero Tolerance fee.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.4 No Tolerance/Unlimited - No finding will be cited if any of the
charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably
known to the creditor at the time of disclosure (disclosed in good faith), such as:

&nbsp;&nbsp;&nbsp;&nbsp;● Prepaid interest;

&nbsp;&nbsp;&nbsp;&nbsp;● Property insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;● Impounds/Escrows;

&nbsp;&nbsp;&nbsp;&nbsp;● Charges for services required by the creditor but the borrower is permitted to shop for and borrower selects a third party provider not on the lender's Written Service Provider List; and

&nbsp;&nbsp;&nbsp;&nbsp;● Charges for third party services not required by the creditor (even if paid to an affiliate of the creditor).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.5 Prepaid property taxes charged by local and state governments
periodically will have no tolerance under the general 'best information reasonably available' standard unless otherwise instructed
by the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.6 As noted above, Mission reviewed the loan file for evidence the
disclosure was not made in "Good Faith". "Good faith" means the creditor made the estimate based on the information
reasonably available to them at the time the LE was provided. Absent such evidence, Mission will consider the disclosures made
in "good faith".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.7 Additionally, if a documented valid COC or BRC occurred resulting
in a change to loan terms, settlement charges or interest rate within four (4) business days of consummation, the variance test
will be performed based on the revised amounts disclosed on the initial CD (or subsequent CD if change occurs after the initial
CD has been provided) provided that the change is related to the COC or BRC per Comment 19(e)(4)(ii)-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;6.11.8 For loans with no Interim LE and no COC or BRC occurring four
(4) days prior to consummation, fees and charges on the CD were tested for compliance with permitted variances against fees disclosed
on Initial 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;6.11.9 For loans with an Interim LE, the review of each Interim LE and
fees and charges on the CD were tested for compliance with variance thresholds against fees supported by a valid COC or BRC related
to the charge that increases.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.11.10 In those cases where an Interim LE was issued with several fee
increases, but only some are supported by or related to a valid COC or BRC, those fees which are not supported by or related to
a valid COC, BRC or disclosed on an LE that was not provided timely (within three (3) business days of changed
circumstance) were tested for variance using the amounts disclosed in the Initial LE previously valid LE.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12 TRID Review - Closing Disclosures ("CD")

Mission conducted a full Closing Disclosure review and verified 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;6.12.1 That the correct form was used and all sections of the CD were
completed (no blanks or incomplete sections).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.2 Acknowledgement of receipt, either by signature or evidence of
electronic delivery by all borrowers with a right to rescind under 1026.23 by verifying that each borrower with a right to rescind
was provided with a copy of the CD. This could include the non-borrowing spouse. Acknowledgement is based on either signature,
evidence of electronic delivery or by apply the common mail 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;&nbsp;&nbsp;&nbsp;&nbsp;6.12.3 If a subsequent CD was issued with changes to (a) the loan product
which affects disclosed terms and loan information; (b) the addition of a prepayment penalty; or (c) an APR which exceeds the previously
disclosed APR by more than the permitted tolerances for accuracy, Mission validated that the borrower was given an additional three
(3)-business day waiting period from the date of final pre-close CD with (a) the final loan product; (b) the prepayment penalty
addition; or (c) the APR, and that the final pre-close CD has been received by borrower by consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.4 On the final CD the following checks and limitations apply:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.5 Verification of the technical formatting of the CD is out of
scope in the standard review. The formatting of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.6 Closing, Transaction and Loan Information sections have been
completed with accurate information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.7 Loan terms sections are 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;6.12.8 Mission will verify loan term, purpose, and product descriptions
follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.9 Mission will verify all applicants applying for credit, as disclosed
on the application, are listed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.10 "Can this mount increase after closing?" and "Does
the loan have these features" sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.11 Projected Payments and Estimated Taxes, Insurance & Assessments
sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.12 Fees have been disclosed properly (alphabetically, correct buckets
and all title fees start with "Title - ") in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.13 Any additional fees for sections other than Section C (Services
You Can Shop For).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.14 Calculating Cash to Close table completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.15 Summaries of Transaction section completed accurately

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.16 CD Assumption, Demand Feature, Negative Amortization, and Partial
Payments sections completed properly (at least and only one box selected).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.17 Late Payment completed properly (terms disclosed and accurate
per note).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.18 Escrow
Amount section was completed properly (only one box selected and

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amounts 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;&nbsp;&nbsp;&nbsp;&nbsp;6.12.19 Escrow Property Costs over Year 1 to be calculated per the payments
scheduled to be made in a 1 year period after consummation (1026.38)1)(7)(i) (A)(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;6.12.20 Non-Escrowed Property Costs over 1 Year to be calculated using
either 11 or 12 months as determined by client. (1026.38)(1)(7)(i)(B)(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;6.12.21 If Interest Only, Optional Payments, Step Payments, or Seasonal
Payments, 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;6.12.22 Adjustable Payment ("AP") Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.23 If ARM or Step, is Adjustable Interest Rate ("AIR")
Table was disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.24 Loan Calculations sections were complete and accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.25 Total of Payments is accurate per 1026.38(o)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.26 Include fees in section A, B, and C that are paid by the borrower
as well as the seller or other if those fees are customarily paid by the borrower.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.27 Mission captured amounts disclosed in Loan Calculations section
and tested for TILA tolerance violations on disclosed APR and 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;6.12.28 Mission confirmed the Total Interest Percentage (TIP) was accurate
with proper rounding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.29 Other Disclosures section was complete with at least one choice
selected as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.12.30 Rounding rules were verified as per 1026.38(t)(4). Rounding on
all percentages except APR is percentages should be truncated so that a zero is not disclosed in the last decimal place (7.250
should be rounded to 7.25).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.13 TRID Method of Delivery/Receipt LE and CD

Mission verified the method of receipt of the revised LE and CD and performed a compliance test with timing requirements. For purposes of the review and verification, the date the borrower is deemed to have received the disclosure(s) is based on any of the following methods:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.13.1 In Person: borrower signature date is 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;&nbsp;&nbsp;&nbsp;&nbsp;6.13.2 Electronic - No Receipt Confirmation in File: three (3) business
days from later of document issue date or proof of e-delivery date is 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;&nbsp;&nbsp;&nbsp;&nbsp;6.13.3 Electronic - With Receipt Confirmation in File, date of receipt
confirmation is 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;&nbsp;&nbsp;&nbsp;&nbsp;6.13.4 Electronic - Delivery confirmation of an email, assuming the
borrower(s) have consented to electronic delivery.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.13.5 Mail (USPS or other parcel delivery service) - No Receipt Confirmation
in File: three (3) business days from later of document issue date or proof of mailing date is used. Delivery confirmation, i.e.,
confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s)
to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.13.6 Mail
(USPS or other parcel delivery service) - With Receipt Confirmation in File: date of receipt confirmation is used. Delivery confirmation,
i.e., confirmation that documents have been delivered to the borrower(s) door.

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Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements. Unknown (unable to determine delivery method or unable to verify borrower received disclosures in any other method than by USPS Mail method): follow the USPS Mail delivery method of three (3) business days from the document issue date. As noted above, a signature by anyone other than the borrower(s) constitutes evidence of delivery and the method of receipt will be considered unknown, requiring an additional three (3) days from the date the non-borrower received the documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.13.7 Electronic Disclosures. If disclosures were sent electronically,
a finding was cited if there was no evidence in the file that the borrower consented to receive disclosures electronically. Default
to the three (3) business day mail rule for delivery without the proper documentation of borrower consent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.14 Other TRID Compliance Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.14.1 Mission verified that the Home Loan Toolkit was present. If not
present, a finding was cited if the Your Home Loan Toolkit Disclosure or evidence the disclosure was delivered or placed in the
mail is not in the file or was not provided to the borrower within three (3) business days of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.14.2 Consummation Date: Consummation varies by applicable state law
and the term is not often clearly defined. Accordingly, Mission used the notary date of the Deed of Trust to confirm 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;6.14.3 Post-Consummation Disclosures: As noted in the findings resolutions,
the creditor used a Post-consummation Closing Disclosure to either correct clerical errors and clear findings or to cure pre-consummation
fee tolerance errors and clear findings. In all cases, Mission confirmed the testing against the Post-consummation Closing Disclosure
before findings were resolved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.15 SUBSEQUENT CHANGES AFTER CONSUMMATION

There were loans in the pool reviewed by Mission that contained findings related to issues that could only be cured by issuance of a Post-close Closing Disclosure. The following prescribed cures as set forth in section 1026.19 (t)(2)(iii) through (v) that are acceptable for changes and corrections to the Final CD 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;6.15.1 Section 1026.19(t)(2)(iii) - Changes due to events occurring
after consummation. If within 30 days of consummation or as in this case, within 30 days of creditor first becoming aware of the
existence of an event, an event occurs that causes the final CD to become inaccurate and such inaccuracy results in a change to
an amount actually paid by the borrower(s) from the amount disclosed, Mission tested for evidence that a new, corrected CD was
delivered or placed in the mail to the borrower within thirty (30) days of receiving information that an event occurred.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.15.2 Section
1026.19(f)(2)(iv)- Changes due to clerical errors. Non-numeric clerical

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errors, for the purpose of this scope are any error not related to a disclosed dollar amount or percentage. Where applicable, Mission tested for evidence that a new, corrected Post-Closing CD was delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation, or within sixty (60) calendar days of the first date of which the creditor becomes aware of such error.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.15.3 Section 1026.19(f)(2)(v)-Refunds related to the good faith analysis.
Where applicable, Mission identified findings related to fee disclosures and brought such findings to the attention of the creditor.
As noted in the resolution of these findings, the Creditor acted in Good Faith and cured these findings by issuing a corrected
Post-Closing CD and where a fee tolerance violation occurred the Creditor issued a refund to the borrower. In all cases, Mission
tested for evidence such as a copy of the refund check, a new corrected CD, and evidence the creditor delivered or placed in the
mail to the borrower within the timeframe necessary as noted in the resolution to the 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;&nbsp;&nbsp;&nbsp;&nbsp;6.15.4 A post-consummation CD is understood to be issued with a Date
Issued represented as the date the post-consummation CD was issued.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.15.5 Errors on LE's and Interim CD's and numeric errors on final CD's
which do not have prescribed cures as per the regulation were not be reported as having been cured. The assessment of risk and
decision to accept a finding that does not have a prescribed cure is the responsibility of the purchaser of the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16 Additional Disclosures and Requirements:

Mission confirmed compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16.1 Confirmed the presence of the Home Loan Tool Kit is in file for
covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16.2 Confirmed the presence
of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16.3 Confirmed the Affiliated
Business Disclosure provided within three general business days of "Application" (Mission reviews for this disclosure
to be provided within three general business days, as the lender will typically know at the time of application if borrower(s)
will be referred to affiliates for provision of third party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16.4 Confirmed the Affiliated
Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16.5 Confirmed the presence
of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16.6 Confirmed the Initial
Escrow Disclosure Statement was provided at closing or within 45 days after settlement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.16.7 Confirmed that each
mortgage loan adhered to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones
and subsequent policy documentation for evidence of adequate coverage amounts.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17 High Cost- State & Local Anti-Predatory Regulations:

In addition to federal thresholds, Mission reviewed the anti-predatory lending statutes in the following states and local municipalities, as applicable:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.1 Arkansas Home Loan Protection Act, AR. Stat. Ann.§ 23-53-101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.2 California Anti-Predatory Lending Statute, CA. Fin. Code§
4970 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.3 4.3 California Higher Priced Mortgage Loan Statute, CA. Fin
Code § 4995 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.4 4.4 Colorado Consumer Equity Protection Act, CO. Rev. Stat.
§ 5-3.5-101 et seq. and as amended by Senate Bi11216 (2007) and House Bi111322 (2007)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.5 Colorado Consumer Credit Code, CO. Rev. Stat. 5-1-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.6 Connecticut Abusive Home Loan Lending Practices Act, CT. Stat.
Ann. § 36a-746 et seq. and the Responsible Lending and Economic Security Act, CT. House Bill 5577 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.7 Connecticut Nonprime Home Loan Statute, CT. Gen. Stat. §§
36a-760 et seq. (as originally enacted and as amended by Senate Bill 949.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.8 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. and DC Mortgage Disclosure Act of2007.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.9 Florida Fair Lending Act, FL. Stat. Ann. § 494.0078 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.10 Georgia Fair Lending Act, GA. Stat. Ann.§ 7-6A-1 et seq.
(as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.11 Idaho Residential Mortgage Practices Act, ID. Code§ 26-3101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.12 Illinois High Risk Home Act, IL. Comp Stat. tit. 815, §§
137/5 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.13 Illinois High Risk Home Loan Regulations, 38 IL. Admin. Code
§ 345.10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.14 Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.15 City of Chicago, Illinois, Anti-Predatory Lending Ordinance,
Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.16 Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance
No. 240864 (2001) as amended by Illinois SB 1167 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.17 Indiana Home Loan Practices Act, IN. Code§ 24-9-1-1 et seq.
and as amended by 2005 In. P.L. 141 § 6 P2013-011.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.18 Kansas Consumer Credit Code, KS. Stat. Ann. § 16a-1-101
et seq. Sections 16a-1-301, 16a-3- 207 and 16a-3-308a.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.19 Kentucky Anti-Predatory Lending Statute, KY. Rev. Stat. §
360.100 et seq. and as amended by KY. House Bill 552 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.20 Maine, An Act to Enhance Consumer Protections in Relation to
Certain Mortgages, 9A ME. Rev. Stat. Ann. §§ 8-101; 8-103(1); 8-206(8); 8-206A and ME. Legislative Document 1869 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.21 Maryland Commercial Law, MD. Stat. Ann. §§ 12-124.1;
12-127; 12-409.1; 12-1029 and as amended by MD. Senate Bill 270 (2008) and Maryland Regulations under the MD. Mortgage Lender Law
(2009).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.22 Maryland Regulations for Higher Priced Mortgage Loans, as promulgated
under the MD. Mortgage Lender Law, MD. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; MD. Code Regs. §§ 09.03.06.01
et seq.

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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;6.17.23 Massachusetts High Cost Mortgage Regulations, 209 CMR §
32.32 et seq. including MA. House Bill4387 (2008) 20. MA. Predatory Home Loan Practices Act, M.G.L. Chapter 183(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;6.17.24 Massachusetts Regulations for Higher Priced Mortgage Loans, 209
MA. Code Regs. §§ 32.00

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.25 Massachusetts "Borrower's Interest" Standard, M.G.L.
Chapter 183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.26 Massachusetts Mortgage Lender and Broker Regulations, 940 CMR
§ 8.00 (15-17).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.27 Michigan Consumer Mortgage Protection Act, MI. Stat. Ann. §
445-1631 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.28 Minnesota Mortgage Originator and Service Licensing Act, §
58.137 etal. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.29 Nebraska Mortgage Bankers Registration and Licensing Act, NE.
Stat.§ 45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.30 Nevada Anti-Predatory Lending Law, NV. Rev. Stat. § 598D.010
et seq. and as amended by AB 440 and492.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.31 New Jersey Home Ownership Security Act of 2002, NJ. Stat. Ann.
§C:46:10 B-22 et seq. and as amended by PL. 2004, Ch. 84 § 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;6.17.32 New Mexico Home Loan Protection Act, NM. Stat. Ann. § 58-21A-1
et seq. and as amended by Senate Bill 342 (2009 High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented by 3 NYCCR Part
41 (2003) and as amended by Senate Bill 8143-A (2008). Banking Law Article 6-1 (2003) and 6-m (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.33 New York High Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.34 New York High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented
by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008). Banking Law Article 6-1 (2003) and 6-m (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.35 North Carolina Anti-Predatory Lending Law, NC. Gen. Stat. §§
24-l.1 to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-9; 24-l.l(E)(a);
24-10.2(a) and as amended by House Bill1817 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.36 Ohio Anti-Predatory Lending Statute, OH. Rev. Code Ann. §§
1349.25 to 1349.37and § 1.63 and as amended by S.B. 185.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.37 City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance,
Ordinance No. 72-2003.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.38 Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.39 Oklahoma Higher -Priced Mortgage Loans Law, OK. Admin. Code§§
160:45-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.40 Pennsylvania Consumer Equity Protection Act, 63 PA. Cons. Stat.
Ann. § 456.501 et seq. 4.41 City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33
as amended.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.41 Rhode Island Home Loan Protection Act, Chapter 25.2 of Title
34 of RI. Gen. Laws. §§ 34-25.2-1 et seq., including the Emergency and Final Regulations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.42 South Carolina High-Cost and Consumer Home Loans Act, SC. Code§
37-23-10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.43 South Carolina Consumer Protection Code, SC. Code 37-1-101 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.44 Tennessee
Home Loan Protection Act, TN. Code Annotated §§ 45-20-101 et

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seq., Title 47 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.45 Texas High-Cost Home Loan Statute, TX. Fin. Code Ann.§ 343.201
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.46 Texas Constitution, Section 50(a)(6), Article XVI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.47 Utah Residential Mortgage Practices Amendments, UT. Code Ann.§
61- 2c-102 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.48 Utah High Cost Home Loan Act, UT. Code § 61-2d-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.49 Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation
B-98-2.

&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;6.17.50 Virginia Mortgage Lender and Broker Act (for loans originated
prior to July 1, 2003), VA. Code Ann.§§ 6.1-413; 6.1-422, 6.1-428.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.51 Virginia Mortgage Lender and Broker Act (for loans originated
after July 1, 2003), VA. Code Ann.§§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.52 Washington House Bill 2770, Mortgage Lending and Homeownership,
Chapter 108, Laws of 2008.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.53 Wisconsin Responsible High Cost Mortgage Lending Act, WI. Stat.
§ 428.202.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.54 West Virginia Residential Mortgage Lender, Broker and Servicer
Act, WV. Code § 31-17-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.17.55 Wyoming Credit Code, WY. Stat. Ann.§§ 40-14-101 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.18 Regulatory Compliance Disclaimer

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

Please be further advised that Mission does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Mission do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Mission. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Mission to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Mission are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.19 Misrepresentation and Third-Party Report Review

Mission verified that fraud reports were present on all loans and independent third-party property valuations reports are in the file.

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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;6.19.1 Misrepresentation Review

Mission validated the presence of a Fraud Guard report on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.19.2 Alerts

Mission validated credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.19.3 Social Security Numbers

Mission verified SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.19.4 Document Integrity

Mission validated to the extent possible for apparent alterations to loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.19.5 Data Consistency

Mission validated the documents contained in the loan file for consistency of data.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.19.6 5.1.6 Third Party Fraud Tools

To the extent a third-party Fraud Guard was present in the loan file, Mission reviewed high level or critical warnings were reviewed and addressed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Data Integrity Review

Mission was provided with a Client bid tape to conduct a Data Integrity Review. The Client provided a data tape with the following data fields and Mission compared the field to the applicable source document and reported all variances.

The following fields were provided and compared:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower First
Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Co-Borrower First
Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Co-Borrower Last
Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ # of Units 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;■ Contract Sales
Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Debt Service Coverage
Ratio (Business Purpose Investment loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower Qualifying
FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Borrower Total
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;■ Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ First Payment Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Primary Appraised
Value for LTV

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Original Note Interest
Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Original 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;■ Original LTV

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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;■ Original P&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;■ Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Refinance Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subject Property
Street

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subject Property
City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subject Property
State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subject Property
Zip

■

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Loan and Exception Level Grading Methodology

Pursuant to the applicable NRSRO criteria, Mission graded each loan exception with an event level 1 for exceptions findings that are informational in nature, event level 2 for exceptions findings that are considered non-material, event level 3 for exceptions findings that are considered material. In accordance applicable NRSRO criteria exceptions and overall initial loan grades and final loan Grades were assigned with an A, B, C or D. The methodology for the application of RMBS grading is defined by each NRSRO in their current industry publications as updated from time to time.

Pursuant to the applicable NRSRO criteria, Mission graded certain compliance exceptions as nonmaterial based on seasoning of the mortgage loan. Where applicable, mortgage loans that are seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The period is not limited for claims, other than recission, which are raised as a defense to foreclosure. Information contained in any Mission reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**FITCH & DBRS GRADING METHODOLOGY**

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| **NRSRO Grade** | **# of Loans** | **% of Loans (by count) in<br> MISSION Population** |
| A | 557 | 71.5% |
| B | 221 | 28.4% |
| C | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;0.1% |
| D | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;&nbsp;0% |

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| &nbsp;&nbsp;**NRSRO GRADE SUMMARY** | | |
| &nbsp;&nbsp;**NRSRO GRADE** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans (by count) in<br> MISSION Population** |
| &nbsp;&nbsp;**CREDIT** |  |  |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;594 | &nbsp;&nbsp;76.3% |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;185 | &nbsp;&nbsp; 23.7% |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**COMPLIANCE** |  |  |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;776 | &nbsp;&nbsp;99.6% |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp; 3 | &nbsp;&nbsp; 0.4% |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**PROPERTY/VALUE** |  |  |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;726 | &nbsp;&nbsp;93.2% |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp; 52 | &nbsp;&nbsp; 6.7% |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp; 1 | &nbsp;&nbsp; 0.1% |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0% |

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**DATA INTEGRITY REVIEW**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Summary** | &nbsp;&nbsp;**Data Compare Summary** | &nbsp;&nbsp;**Data Compare Summary** | &nbsp;&nbsp;**Data Compare Summary** | &nbsp;&nbsp;**Data Compare Summary** |
| &nbsp;&nbsp;**2023-NQM1_Imperial Fund II_FINAL** |  |  |  |  |
| &nbsp;&nbsp;**Run Date - 1/18/2023 10:45:00 AM** |  |  |  |  |
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**Comments** |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;122 | &nbsp;&nbsp;779 | &nbsp;&nbsp;15.66% | &nbsp;&nbsp;All variances were spelling differences in the tape vs on the note. |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;61 | &nbsp;&nbsp;779 | &nbsp;&nbsp;7.83% | &nbsp;&nbsp;All variances were spelling differences in the tape vs on the note. |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;19 | &nbsp;&nbsp;115 | &nbsp;&nbsp;16.52% | &nbsp;&nbsp;All variances were spelling differences in the tape vs on the note. |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;115 | &nbsp;&nbsp;2.61% |  |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;9 | &nbsp;&nbsp;775 | &nbsp;&nbsp;1.16% | &nbsp;&nbsp;The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all 5 variances. |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;9 | &nbsp;&nbsp;734 | &nbsp;&nbsp;1.23% | &nbsp;&nbsp;Mission noted that in all but two of the instances these were due to decimal points. In the two instances where there was a difference it was due to an contract amendment change before closing. |
| &nbsp;&nbsp;Debt Service Coverage Ratio | &nbsp;&nbsp;280 | &nbsp;&nbsp;770 | &nbsp;&nbsp;36.36% | &nbsp;&nbsp;All variances are the result of rounding differences or variances in captured borrower debt calculations. We used debts from the credit report that may be different than what was known at the time of underwriting and origination. Mission verified all variances and verified DSCR calculations met Guidelines. |

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| | |
|:---|:---|
| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **25** |

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;779 | &nbsp;&nbsp;0.90% | &nbsp;&nbsp;All variances were the result of rounding differences or other slight variations in what was captured from the credit reports. Mission verified all captured FICO scores met Guidelines. |
| &nbsp;&nbsp;Borrower Total Income | &nbsp;&nbsp;74 | &nbsp;&nbsp;773 | &nbsp;&nbsp;9.57% | &nbsp;&nbsp;The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified Borrower total Income reported. |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;777 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;74 | &nbsp;&nbsp;775 | &nbsp;&nbsp;9.55% | &nbsp;&nbsp;The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified dates from the Promissory note. |
| &nbsp;&nbsp;Primary Appraised Value for LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;779 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;38 | &nbsp;&nbsp;637 | &nbsp;&nbsp;5.97% | &nbsp;&nbsp;The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified dates from the Promissory note. |
| &nbsp;&nbsp;Original Note Interest Rate | &nbsp;&nbsp;26 | &nbsp;&nbsp;777 | &nbsp;&nbsp;3.35% | &nbsp;&nbsp;The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified dates from the Promissory note. |

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| | |
|:---|:---|
| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **26** |

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;14 | &nbsp;&nbsp;778 | &nbsp;&nbsp;1.80% | &nbsp;&nbsp;The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified dates from the Promissory note. |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;44 | &nbsp;&nbsp;322 | &nbsp;&nbsp;13.66% | &nbsp;&nbsp;The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified programs from the Loan approval. |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;779 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;69 | &nbsp;&nbsp;775 | &nbsp;&nbsp;8.90% | &nbsp;&nbsp;The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified dates from the Promissory note. |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;39 | &nbsp;&nbsp;740 | &nbsp;&nbsp;5.27% | &nbsp;&nbsp;Property Type variations were a result of enumeration differences between the client bid tape and ASF property types designations. Primarily these are differences in Condo or attached family designations. Mission verified in each case that the property type met guideline requirements. |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;774 | &nbsp;&nbsp;0.13% |  |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;30 | &nbsp;&nbsp;244 | &nbsp;&nbsp;12.30% | &nbsp;&nbsp;Property Type variations were a result of enumeration differences between the client bid tape and ASF property types designations. Mission verified in each case that the |

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| | |
|:---|:---|
| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **27** |

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---

| | | | | |
|:---|:---|:---|:---|:---|
|  |  |  |  | &nbsp;&nbsp;property type met guideline requirements. |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;74 | &nbsp;&nbsp;777 | &nbsp;&nbsp;9.52% | &nbsp;&nbsp;All variances were spelling differences in the tape vs on the note. |
| &nbsp;&nbsp;City | &nbsp;&nbsp;29 | &nbsp;&nbsp;777 | &nbsp;&nbsp;3.73% | &nbsp;&nbsp;All variances were spelling differences in the tape vs on the note. |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1 | &nbsp;&nbsp;777 | &nbsp;&nbsp;0.13% |  |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;19 | &nbsp;&nbsp;777 | &nbsp;&nbsp;2.45% | &nbsp;&nbsp;All variances were spelling differences in the tape vs on the note. |

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| | |
|:---|:---|
| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **28** |

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**POOL DETAILS**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Borrower Citizenship** | &nbsp;&nbsp;**Borrower Citizenship** | &nbsp;&nbsp;**Borrower Citizenship** |
| &nbsp;&nbsp;**Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;774 | &nbsp;&nbsp;99.4% | &nbsp;&nbsp;Foreign National | &nbsp;&nbsp;66 | &nbsp;&nbsp;8.5% |
| &nbsp;&nbsp;Adjustable Rate Mortgage | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.6% | &nbsp;&nbsp;Non-Permanent Resident Alien | &nbsp;&nbsp;40 | &nbsp;&nbsp;5.1% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;779 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;Permanent Resident Alien | &nbsp;&nbsp;62 | &nbsp;&nbsp;8.0% |
|  |  |  | &nbsp;&nbsp;US Citizen | &nbsp;&nbsp;607 | &nbsp;&nbsp;77.9% |
|  |  |  | &nbsp;&nbsp;Null | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.5% |
|  |  |  | &nbsp;&nbsp;Total | &nbsp;&nbsp;779 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** |
| &nbsp;&nbsp;**Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;533 | &nbsp;&nbsp;68.4% | &nbsp;&nbsp;Investment | &nbsp;&nbsp;504 | &nbsp;&nbsp;64.7% |
| &nbsp;&nbsp;Refinance - Cash Out | &nbsp;&nbsp;208 | &nbsp;&nbsp;26.7% | &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;270 | &nbsp;&nbsp;34.7% |
| &nbsp;&nbsp;Refinance - Limited Cash Out | &nbsp;&nbsp;17 | &nbsp;&nbsp;2.2% | &nbsp;&nbsp;Secondary Residence | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.6% |
| &nbsp;&nbsp;Refinance - Rate and Term | &nbsp;&nbsp;21 | &nbsp;&nbsp;2.7% | &nbsp;&nbsp;Total | &nbsp;&nbsp;779 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;779 | &nbsp;&nbsp;100.0% |  |  |  |
| &nbsp;&nbsp;**Original Interest Rate** | &nbsp;&nbsp;**Original Interest Rate** | &nbsp;&nbsp;**Original Interest Rate** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** |
| &nbsp;&nbsp;**Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;< 3.500% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% | &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;16 | &nbsp;&nbsp;2.1% |
| &nbsp;&nbsp;3.500 - 3.999% | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.3% | &nbsp;&nbsp;2 Family | &nbsp;&nbsp;59 | &nbsp;&nbsp;7.6% |
| &nbsp;&nbsp;4.000 - 4.499% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% | &nbsp;&nbsp;3 Family | &nbsp;&nbsp;15 | &nbsp;&nbsp;1.9% |
| &nbsp;&nbsp;4.500 - 4.999% | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.1% | &nbsp;&nbsp;4 Family | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.3% |
| &nbsp;&nbsp;5.000 - 5.499% | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.1% | &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.1% |
| &nbsp;&nbsp;5.500 - 5.999% | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.1% | &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.8% |
| &nbsp;&nbsp;6.000 - 6.499% | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.3% | &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;130 | &nbsp;&nbsp;16.7% |
| &nbsp;&nbsp;6.500 - 6.999% | &nbsp;&nbsp;28 | &nbsp;&nbsp;3.6% | &nbsp;&nbsp;Condotel | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.8% |
| &nbsp;&nbsp;7.000 - 7.499% | &nbsp;&nbsp;71 | &nbsp;&nbsp;9.1% | &nbsp;&nbsp;Double-wide Manufactured Housing | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.2% |
| &nbsp;&nbsp;7.500 - 7.999% | &nbsp;&nbsp;154 | &nbsp;&nbsp;19.8% | &nbsp;&nbsp;Mixed Use | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.4% |
| &nbsp;&nbsp;>= 8.000% | &nbsp;&nbsp;519 | &nbsp;&nbsp;66.6% | &nbsp;&nbsp;Multi w/Minor Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.1% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;779 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;Other | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.1% |
|  |  |  | &nbsp;&nbsp;PUD | &nbsp;&nbsp;137 | &nbsp;&nbsp;17.6% |
|  |  |  | &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;359 | &nbsp;&nbsp;46.1% |
|  |  |  | &nbsp;&nbsp;Single-wide Manufactured Housing | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.1% |
|  |  |  | &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;25 | &nbsp;&nbsp;3.2% |
|  |  |  | &nbsp;&nbsp;Total | &nbsp;&nbsp;779 | &nbsp;&nbsp;100.0% |

---

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| | |
|:---|:---|
| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **29** |

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**POOL DETAILS**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Qualifying FICO Credit Score** | &nbsp;&nbsp;**Qualifying FICO Credit Score** | &nbsp;&nbsp;**Qualifying FICO Credit Score** | &nbsp;&nbsp;**Verified DSCR** | &nbsp;&nbsp;**Verified DSCR** | &nbsp;&nbsp;**Verified DSCR** |
| &nbsp;&nbsp;**Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;< 501 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% | &nbsp;&nbsp;< 1.00 | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.1% |
| &nbsp;&nbsp;501 - 600 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.4% | &nbsp;&nbsp;1.00 - 1.99 | &nbsp;&nbsp;230 | &nbsp;&nbsp;83.9% |
| &nbsp;&nbsp;601 - 700 | &nbsp;&nbsp;153 | &nbsp;&nbsp;19.6% | &nbsp;&nbsp;2.00 - 2.99 | &nbsp;&nbsp;41 | &nbsp;&nbsp;15.0% |
| &nbsp;&nbsp;701 - 800 | &nbsp;&nbsp;534 | &nbsp;&nbsp;68.5% | &nbsp;&nbsp;3.00 - 3.99 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;801 - 900 | &nbsp;&nbsp;30 | &nbsp;&nbsp;3.9% | &nbsp;&nbsp;>= 4.00 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;No FICO | &nbsp;&nbsp;59 | &nbsp;&nbsp;7.6% | &nbsp;&nbsp;Total | &nbsp;&nbsp;274 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;779 | &nbsp;&nbsp;100.0% |  |  |  |
| &nbsp;&nbsp;**Verified DTI** | &nbsp;&nbsp;**Verified DTI** | &nbsp;&nbsp;**Verified DTI** |  |  |  |
| &nbsp;&nbsp;**Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**% of Pool** |  |  |  |
| &nbsp;&nbsp;< 10 - 19 | &nbsp;&nbsp;64 | &nbsp;&nbsp;16.2% |  |  |  |
| &nbsp;&nbsp;20 - 29 | &nbsp;&nbsp;61 | &nbsp;&nbsp;15.4% |  |  |  |
| &nbsp;&nbsp;30 - 39 | &nbsp;&nbsp;117 | &nbsp;&nbsp;29.5% |  |  |  |
| &nbsp;&nbsp;40 - 49 | &nbsp;&nbsp;139 | &nbsp;&nbsp;35.1% |  |  |  |
| &nbsp;&nbsp;> = 50 | &nbsp;&nbsp;15 | &nbsp;&nbsp;3.8% |  |  |  |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;396 | &nbsp;&nbsp;100.0% |  |  |  |

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| | |
|:---|:---|
| Confidential and Privileged. Use is restricted without the written consent of the Author. | P a g e \| **30** |

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## Exhibit 99.2

[Imperial Fund Mortgage Trust 2023-NQM1 ABS-15G](admortgage-abs15g_012323.htm)

**Exhibit 99.2**

![](logo-mission.jpg)

**VALUATION REPORT**

**2023-NQM1_Imperial Fund II_FINAL**

**Run Date - 1/18/2023 10:45:00 AM**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **SECOND APPRAISAL VALUE** |  |  |  |  | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **SECOND FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **COLLATERAL UNDERWRITER SCORES** | **COLLATERAL UNDERWRITER SCORES** | **COLLATERAL UNDERWRITER SCORES** |
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Value for LTV** | **LTV** | **CLTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM 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** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXXXXX_2023-NQM1-1 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-2 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .692 | 88 | 0.12 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-3 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | 1.061 | 88 | 0.12 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-4 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .039 | 90 | 0.1 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-5 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .775 | 91 | 0.09 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-6 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-7 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | -.008 | [redacted] | Good | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-8 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-9 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .056 | 91 | 0.09 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| XXXXXXX_2023-NQM1-10 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-11 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-12 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .713 | 83 | 0.17 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .762 | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-13 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .144 | 82 | 0.18 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-14 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .018 | 50 | 0.5 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | -.001 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-15 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| XXXXXXX_2023-NQM1-16 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .020 | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-17 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-18 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.041 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-19 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .079 | 74 | 0.26 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-20 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.010 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX_2023-NQM1-21 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-22 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| XXXXXXX_2023-NQM1-23 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| XXXXXXX_2023-NQM1-24 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .020 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-25 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-26 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.006 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-27 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.044 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-28 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-29 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-30 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-31 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-32 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-33 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-34 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .016 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| XXXXXXX_2023-NQM1-35 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .018 | [redacted] | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| XXXXXXX_2023-NQM1-36 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .025 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| XXXXXXX_2023-NQM1-37 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.9 |
| XXXXXXX_2023-NQM1-38 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-39 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.041 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-40 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | REasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | -.111 | [redacted] | [redacted] |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-41 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.013 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| XXXXXXX_2023-NQM1-42 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.092 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.4 |
| XXXXXXX_2023-NQM1-43 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-44 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-45 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | EXCELLENT | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-46 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-47 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.072 | 93 | 0.07 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-48 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-49 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-50 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-51 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-52 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-53 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-54 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.057 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-55 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-56 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-57 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-58 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.005 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-59 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-60 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.019 | 50 | 0.5 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-61 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-62 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .022 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-63 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-64 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .029 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-65 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-66 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.008 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.6 |
| XXXXXXX_2023-NQM1-67 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-68 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .000 | 92 | 0.08 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-69 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-70 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .239 | 50 | 0.5 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-71 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Excellent | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-72 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-73 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .000 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-74 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .012 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| XXXXXXX_2023-NQM1-75 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-76 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-77 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .029 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| XXXXXXX_2023-NQM1-78 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-79 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | 1.119 | [redacted] | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .082 |  | [redacted] |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-80 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .732 |  | 0 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-81 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .737 | 63 | 0.37 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | -.026 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-82 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .038 | 93 | 0.07 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .205 | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-83 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .169 | 93 | .7 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-84 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.057 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-85 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-86 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .133 | 92 | 0.08 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-87 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .106 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-88 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .037 | 90 | 0.1 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| XXXXXXX_2023-NQM1-89 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-90 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.181 | 74 | 0.26 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Excelllent | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-91 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| XXXXXXX_2023-NQM1-92 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.073 | 82 | 0.18 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-93 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .093 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-94 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-95 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .390 | 87 | 0.13 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-96 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-97 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.159 | 76 | 0.24 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | EXCELLENT | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-98 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-99 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-100 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.015 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-101 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.004 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.6 |
| XXXXXXX_2023-NQM1-102 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | -.027 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.6 |
| XXXXXXX_2023-NQM1-103 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-104 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-105 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| XXXXXXX_2023-NQM1-106 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .013 | 93 | 0.07 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| XXXXXXX_2023-NQM1-107 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-108 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-109 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-110 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-111 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Low | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-112 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.008 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.8 |
| XXXXXXX_2023-NQM1-113 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.006 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| XXXXXXX_2023-NQM1-114 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .013 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-115 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Low Risk | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-116 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-117 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .016 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| XXXXXXX_2023-NQM1-118 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-119 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.409 | 88 | 0.12 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.6 |
| XXXXXXX_2023-NQM1-120 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-121 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-122 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-123 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-124 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-125 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.092 | 86 | 0.14 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | -.010 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-126 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Low Risk | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-127 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.085 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-128 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.023 | 65 | 0.35 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | -.008 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-129 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-130 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-131 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-132 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.095 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.2 |
| XXXXXXX_2023-NQM1-133 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.007 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| XXXXXXX_2023-NQM1-134 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .006 | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-135 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.008 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-136 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-137 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-138 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .010 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-139 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Moderate | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-140 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .000 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-141 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.4 |
| XXXXXXX_2023-NQM1-142 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .005 | 94 | 0.06 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-143 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .033 | 60 | 0.4 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | EXCELLENT | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-144 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Moderate | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-145 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | [redacted] |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-146 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-147 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-148 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-149 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| XXXXXXX_2023-NQM1-150 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.007 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| XXXXXXX_2023-NQM1-151 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .105 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.2 |
| XXXXXXX_2023-NQM1-152 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .016 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-153 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-154 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-155 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Moderate | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-156 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-157 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-158 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonabl | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-159 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-160 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-161 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-162 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-163 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-164 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.302 | 75 | 0.25 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-165 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Low Risk | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-166 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .036 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-167 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.231 | 96 | 0.04 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-168 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-169 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.008 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-170 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-171 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-172 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .011 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| XXXXXXX_2023-NQM1-173 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .004 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-174 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .027 | [redacted] | 1025 Small Residential Income Report | [redacted] | [redacted] | -.165 | 67 | 0.33 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-175 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .038 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-176 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.011 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-177 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-178 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .094 | [redacted] | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| XXXXXXX_2023-NQM1-179 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| XXXXXXX_2023-NQM1-180 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| XXXXXXX_2023-NQM1-181 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-182 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-183 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.155 | 63 | 0.37 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-184 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-185 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-186 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-187 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-188 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .223 | 86 | 0.14 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | EXCELLENT | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-189 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .043 | 83 | 0.17 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-190 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.008 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.7 |
| XXXXXXX_2023-NQM1-191 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .011 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-192 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .014 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| XXXXXXX_2023-NQM1-193 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .047 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-194 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-195 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .023 | 96 | 0.04 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-196 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-197 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-198 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-199 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-200 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-201 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-202 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-203 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .049 | 90 | 0.1 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-204 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-205 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .031 | 95 | 0.05 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .036 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| XXXXXXX_2023-NQM1-206 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-207 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-208 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-209 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .036 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-210 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-211 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .015 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| XXXXXXX_2023-NQM1-212 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-213 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.101 | 86 | 0.14 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | EXCELLENT | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-214 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-215 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.007 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-216 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .184 | 68 | 0.32 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-217 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .000 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-218 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-219 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| XXXXXXX_2023-NQM1-220 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-221 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-222 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-223 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-224 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.009 | 95 | 0.05 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-225 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .003 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| XXXXXXX_2023-NQM1-226 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .011 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-227 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-228 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.008 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| XXXXXXX_2023-NQM1-229 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.012 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| XXXXXXX_2023-NQM1-230 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-231 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-232 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.042 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| XXXXXXX_2023-NQM1-233 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-234 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| XXXXXXX_2023-NQM1-235 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-236 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-237 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-238 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .013 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-239 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| XXXXXXX_2023-NQM1-240 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.004 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| XXXXXXX_2023-NQM1-241 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-242 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-243 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.045 | 80 | 0.2 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-244 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .006 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-245 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-246 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| XXXXXXX_2023-NQM1-247 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.006 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-248 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-249 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-250 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-251 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-252 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .000 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-253 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-254 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.010 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-255 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .025 | 91 | 0.09 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-256 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.016 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| XXXXXXX_2023-NQM1-257 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-258 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-259 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-260 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| XXXXXXX_2023-NQM1-261 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.7 |
| XXXXXXX_2023-NQM1-262 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.009 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| XXXXXXX_2023-NQM1-263 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-264 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| XXXXXXX_2023-NQM1-265 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .032 | [redacted] | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-266 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.008 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-267 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-268 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .004 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-269 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-270 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-271 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-272 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| XXXXXXX_2023-NQM1-273 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| XXXXXXX_2023-NQM1-274 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-275 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .026 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| XXXXXXX_2023-NQM1-276 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-277 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.020 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-278 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.041 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| XXXXXXX_2023-NQM1-279 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .017 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.1 |
| XXXXXXX_2023-NQM1-280 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-281 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-282 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-283 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.010 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-284 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-285 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-286 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.008 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-287 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-288 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .098 | 92 | 0.08 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| XXXXXXX_2023-NQM1-289 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.010 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| XXXXXXX_2023-NQM1-290 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-291 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-292 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | EXCELLENT | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-293 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .013 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-294 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| XXXXXXX_2023-NQM1-295 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .013 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-296 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-297 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-298 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-299 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-300 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-301 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-302 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-303 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .018 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-304 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .012 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| XXXXXXX_2023-NQM1-305 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-306 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Moderate | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-307 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-308 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-309 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-310 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-311 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-312 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-313 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-314 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.053 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| XXXXXXX_2023-NQM1-315 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .004 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-316 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| XXXXXXX_2023-NQM1-317 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.011 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-318 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .001 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-319 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-320 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.017 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-321 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | EXCELLENT | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-322 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Excellent | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-323 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.010 | 92 | 0.08 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-324 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-325 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.017 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| XXXXXXX_2023-NQM1-326 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-327 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-328 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.013 | 75 | 0.25 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-329 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-330 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-331 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-332 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .036 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-333 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-334 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-335 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .028 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| XXXXXXX_2023-NQM1-336 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.009 | 92 | 0.08 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-337 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-338 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-339 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-340 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-341 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.023 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | -.032 | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.3 |
| XXXXXXX_2023-NQM1-342 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-343 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-344 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.103 | 90 | 0.1 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | EXCELLENT | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| XXXXXXX_2023-NQM1-345 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-346 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-347 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.093 | 92 | 0.08 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-348 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-349 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.011 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| XXXXXXX_2023-NQM1-350 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.025 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| XXXXXXX_2023-NQM1-351 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-352 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-353 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-354 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.010 | 97 | 0.03 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| XXXXXXX_2023-NQM1-355 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .029 | 76 | 0.24 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-356 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.011 | 95 | 0.05 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | EXCELLENT | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-357 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .005 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| XXXXXXX_2023-NQM1-358 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .125 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| XXXXXXX_2023-NQM1-359 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-360 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .013 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-361 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-362 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-363 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .024 | [redacted] | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-364 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-365 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .600 | [redacted] | 1025 Small Residential Income Report | [redacted] | [redacted] | .184 | 61 | 0.39 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-366 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-367 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-368 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.049 | 78 | 0.22 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-369 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-370 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .000 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| XXXXXXX_2023-NQM1-371 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.007 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| XXXXXXX_2023-NQM1-372 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.039 | 92 | 0.08 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-373 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.113 | 77 | 0.23 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Excelllent | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-374 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-375 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-376 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-377 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-378 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .012 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| XXXXXXX_2023-NQM1-379 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.007 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-380 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | -.038 | [redacted] | reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| XXXXXXX_2023-NQM1-381 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| XXXXXXX_2023-NQM1-382 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .009 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-383 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.014 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.7 |
| XXXXXXX_2023-NQM1-384 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-385 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-386 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-387 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-388 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-389 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | -.002 | [redacted] | reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.9 |
| XXXXXXX_2023-NQM1-390 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-391 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .019 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-392 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-393 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .006 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| XXXXXXX_2023-NQM1-394 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-395 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-396 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .022 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-397 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-398 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .040 | [redacted] | 1004 URAR | [redacted] | [redacted] | -.010 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| XXXXXXX_2023-NQM1-399 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| XXXXXXX_2023-NQM1-400 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-401 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.010 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-402 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-403 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-404 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-405 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-406 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-407 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .088 | 63 | 0.37 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Excellent | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-408 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.043 | 72 | 0.28 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-409 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-410 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.002 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-411 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-412 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .109 | [redacted] | 1073 Individual Condo Report | [redacted] | [redacted] | -.054 | 60 | 0.4 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | -.500 | [redacted] | HIGH RISK | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| XXXXXXX_2023-NQM1-413 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-414 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-415 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| XXXXXXX_2023-NQM1-416 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .350 | 92 | 0.08 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-417 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| XXXXXXX_2023-NQM1-418 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-419 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-420 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .011 | 98 | 0.02 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-421 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-422 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-423 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.235 | 70 | 0.3 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-424 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-425 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-426 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| XXXXXXX_2023-NQM1-427 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-428 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-429 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-430 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-431 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-432 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-433 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-434 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-435 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .131 | 90 | 0.1 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-436 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| XXXXXXX_2023-NQM1-437 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.173 | 82 | 0.18 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-438 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.047 | 91 | 0.09 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-439 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-440 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.039 | 60 | 0.4 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-441 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .000 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-442 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-443 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .000 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-444 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .106 | [redacted] | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-445 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .122 | 88 | 0.12 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | -.043 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-446 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.043 | 72 | 0.28 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-447 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .011 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-448 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-449 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-450 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-451 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-452 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-453 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .005 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-454 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-455 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.009 | 95 | .05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-456 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .037 | 78 | 0.22 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Excelllent | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-457 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-458 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .019 | 83 | 0.17 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-459 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.011 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.9 |
| XXXXXXX_2023-NQM1-460 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .034 | [redacted] | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| XXXXXXX_2023-NQM1-461 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-462 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.021 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-463 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.5 |
| XXXXXXX_2023-NQM1-464 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | -.083 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| XXXXXXX_2023-NQM1-465 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | REasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-466 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-467 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-468 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-469 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .009 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| XXXXXXX_2023-NQM1-470 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.390 | 50 | 0.5 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-471 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| XXXXXXX_2023-NQM1-472 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .037 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-473 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-474 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | 1004 URAR | [redacted] | [redacted] | .007 | 81 | 0.19 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-475 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .234 | 89 | 0.11 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-476 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.166 | 97 | 0.03 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-477 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .252 | 86 | 0.14 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-478 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.007 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-479 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .016 | 96 | 0.04 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| XXXXXXX_2023-NQM1-480 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-481 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-482 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-483 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.058 | 90 | 0.1 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-484 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-485 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.080 | 91 | 0.09 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| XXXXXXX_2023-NQM1-486 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .012 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-487 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.323 | 82 | 0.18 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-488 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-489 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.121 | 94 | 0.06 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | EXCELLENT | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| XXXXXXX_2023-NQM1-490 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-491 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-492 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.132 | 84 | 0.16 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-493 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-494 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-495 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| XXXXXXX_2023-NQM1-496 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | excellent | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-497 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .039 | [redacted] | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-498 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| XXXXXXX_2023-NQM1-499 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.005 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| XXXXXXX_2023-NQM1-500 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-501 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-502 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-503 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| XXXXXXX_2023-NQM1-504 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-505 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-506 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| XXXXXXX_2023-NQM1-507 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .042 | 93 | 0.07 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-508 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-509 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-510 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .089 | 92 | 0.08 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-511 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-512 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-513 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.021 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-514 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.071 | 88 | 0.12 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Excelllent | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-515 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .012 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| XXXXXXX_2023-NQM1-516 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-517 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-518 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.164 | 89 | 0.11 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | -.020 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| XXXXXXX_2023-NQM1-519 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-520 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .091 | 81 | 0.19 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-521 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .002 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-522 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.007 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-523 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-524 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.8 |
| XXXXXXX_2023-NQM1-525 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-526 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-527 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-528 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-529 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .072 | 84 | 0.16 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| XXXXXXX_2023-NQM1-530 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 78 | 0.22 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | -.025 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-531 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-532 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-533 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-534 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.308 | 78 | 0.22 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-535 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.021 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-536 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | -.037 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-537 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | excellent | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-538 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.055 | 91 | 0.09 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-539 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-540 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-541 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.588 | 50 | 0.5 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-542 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-543 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-544 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.003 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| XXXXXXX_2023-NQM1-545 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-546 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .009 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.5 |
| XXXXXXX_2023-NQM1-547 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-548 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-549 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .011 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| XXXXXXX_2023-NQM1-550 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .077 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-551 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-552 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .013 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-553 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| XXXXXXX_2023-NQM1-554 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.160 | 57 | 0.43 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-555 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-556 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .012 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-557 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-558 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .071 | 74 | 0.26 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | -.076 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-559 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-560 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-561 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.276 | 94 | 0.06 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| XXXXXXX_2023-NQM1-562 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-563 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.009 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| XXXXXXX_2023-NQM1-564 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| XXXXXXX_2023-NQM1-565 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-566 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.405 | 80 | 0.2 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| XXXXXXX_2023-NQM1-567 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-568 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| XXXXXXX_2023-NQM1-569 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-570 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.006 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-571 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.005 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-572 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .003 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-573 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-574 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| XXXXXXX_2023-NQM1-575 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .012 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| XXXXXXX_2023-NQM1-576 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-577 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| XXXXXXX_2023-NQM1-578 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.011 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.7 |
| XXXXXXX_2023-NQM1-579 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.006 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| XXXXXXX_2023-NQM1-580 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | EXCELLENT | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-581 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .047 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |
| XXXXXXX_2023-NQM1-582 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.248 | 87 | 0.13 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Low Risk | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-583 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.025 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| XXXXXXX_2023-NQM1-584 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-585 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-586 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-587 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .041 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-588 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .594 | 72 | 0.28 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | -.056 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| XXXXXXX_2023-NQM1-589 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-590 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-591 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-592 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.001 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-593 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .025 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-594 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-595 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-596 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| XXXXXXX_2023-NQM1-597 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-598 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .023 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-599 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-600 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .011 | 98 | 0.02 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-601 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-602 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-603 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .018 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-604 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .102 | 87 | 0.13 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | EXCELLENT | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-605 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-606 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.010 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-607 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .011 | 82 | 0.18 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| XXXXXXX_2023-NQM1-608 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-609 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-610 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .053 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-611 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-612 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.568 | 66 | 0.34 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-613 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| XXXXXXX_2023-NQM1-614 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .014 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-615 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .019 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-616 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.026 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-617 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.009 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-618 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-619 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .074 | 86 | 0.14 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | EXCELLENT | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-620 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-621 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-622 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .019 | 86 | 0.14 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-623 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-624 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| XXXXXXX_2023-NQM1-625 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-626 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .039 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-627 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-628 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Low | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-629 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .009 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.6 |
| XXXXXXX_2023-NQM1-630 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-631 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.431 | 87 | 0.13 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.9 |
| XXXXXXX_2023-NQM1-632 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.009 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.9 |
| XXXXXXX_2023-NQM1-633 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.021 | 86 | 0.14 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Excellent | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-634 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.031 | 79 | 0.21 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-635 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-636 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .017 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| XXXXXXX_2023-NQM1-637 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-638 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-639 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .035 | 83 | 0.17 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-640 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.009 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| XXXXXXX_2023-NQM1-641 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .018 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| XXXXXXX_2023-NQM1-642 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .019 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-643 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.004 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-644 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.010 | 92 | 0.08 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| XXXXXXX_2023-NQM1-645 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.008 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-646 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| XXXXXXX_2023-NQM1-647 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-648 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .022 | 50 | 0.5 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-649 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .954 | N/A | 0 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-650 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .027 | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-651 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .011 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| XXXXXXX_2023-NQM1-652 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .012 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| XXXXXXX_2023-NQM1-653 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-654 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| XXXXXXX_2023-NQM1-655 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.007 | 93 | 0.07 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-656 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-657 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.140 | 92 | 0.08 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-658 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .011 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-659 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.006 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-660 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .047 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| XXXXXXX_2023-NQM1-661 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .005 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-662 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-663 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Moderate | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-664 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.062 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-665 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .016 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-666 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .020 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-667 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .129 | 90 | 0.1 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.3 |
| XXXXXXX_2023-NQM1-668 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .058 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-669 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.005 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| XXXXXXX_2023-NQM1-670 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .014 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-671 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-672 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.068 | 88 | 0.12 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-673 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.6 |
| XXXXXXX_2023-NQM1-674 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .029 | 94 | 0.06 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-675 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.010 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-676 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .005 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-677 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .542 | 94 | 0.06 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-678 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-679 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.390 | 94 | 0.06 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.3 |
| XXXXXXX_2023-NQM1-680 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .000 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-681 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .050 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| XXXXXXX_2023-NQM1-682 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.059 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-683 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .271 | 89 | 0.11 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-684 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.509 | 96 | 0.04 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-685 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| XXXXXXX_2023-NQM1-686 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.004 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-687 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | -.110 |  | [redacted] |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-688 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .013 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-689 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-690 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .012 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-691 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.015 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| XXXXXXX_2023-NQM1-692 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.008 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-693 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-694 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.010 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| XXXXXXX_2023-NQM1-695 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.004 | 92 | 0.08 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| XXXXXXX_2023-NQM1-696 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.004 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-697 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .737 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-698 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.001 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-699 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.051 | 50 | 0.5 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-700 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-701 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-702 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-703 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.448 | 85 | 0.15 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-704 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.009 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| XXXXXXX_2023-NQM1-705 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.076 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-706 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .010 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-707 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-708 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.004 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-709 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.079 | 90 | 0.1 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-710 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .027 | [redacted] | 1025 Small Residential Income Report | [redacted] | [redacted] | -.424 | 82 | 0.18 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-711 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .039 | [redacted] | 1025 Small Residential Income Report | [redacted] | [redacted] | -.432 | 82 | 0.18 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-712 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .020 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-713 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.004 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-714 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .011 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-715 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-716 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .011 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |
| XXXXXXX_2023-NQM1-717 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .011 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-718 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-719 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .002 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-720 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-721 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.007 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-722 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| XXXXXXX_2023-NQM1-723 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-724 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .018 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-725 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.021 | 77 | 0.07 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.5 |
| XXXXXXX_2023-NQM1-726 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-727 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .020 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.2 |
| XXXXXXX_2023-NQM1-728 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-729 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-730 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-731 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| XXXXXXX_2023-NQM1-732 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.009 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-733 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.006 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-734 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .005 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| XXXXXXX_2023-NQM1-735 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-736 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.107 | 90 | 0.1 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.9 |
| XXXXXXX_2023-NQM1-737 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .013 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| XXXXXXX_2023-NQM1-738 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.008 | 95 | 0.05 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-739 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.182 | 84 | 0.16 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.3 |
| XXXXXXX_2023-NQM1-740 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .045 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-741 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-742 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| XXXXXXX_2023-NQM1-743 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-744 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .000 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| XXXXXXX_2023-NQM1-745 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.312 | 84 | 0.16 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.9 |
| XXXXXXX_2023-NQM1-746 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-747 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-748 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Low | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| XXXXXXX_2023-NQM1-749 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.001 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-750 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .078 | 93 | 0.07 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-751 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-752 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-753 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .014 | 98 | 0.02 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-754 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.001 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-755 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .033 | 92 | 0.08 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-756 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXXXXX_2023-NQM1-757 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.002 | 97 | 0.03 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.1 |
| XXXXXXX_2023-NQM1-758 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| XXXXXXX_2023-NQM1-759 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-760 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| XXXXXXX_2023-NQM1-761 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| XXXXXXX_2023-NQM1-762 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| XXXXXXX_2023-NQM1-763 |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-764 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| XXXXXXX_2023-NQM1-765 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.049 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| XXXXXXX_2023-NQM1-766 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-767 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-768 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.008 | 94 | 0.06 | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] | .000 | [redacted] | Reasonable | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| XXXXXXX_2023-NQM1-769 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-770 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-771 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-772 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .011 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| XXXXXXX_2023-NQM1-773 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-774 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.004 | 90 | 0.1 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| XXXXXXX_2023-NQM1-775 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .036 | 96 | 0.04 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| XXXXXXX_2023-NQM1-776 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.025 | 94 | 0.06 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| XXXXXXX_2023-NQM1-777 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.073 | 93 | 0.07 | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| XXXXXXX_2023-NQM1-778 |  |  | [redacted] | [redacted] | [redacted] |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .000 | [redacted] | REASONABLE | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| XXXXXXX_2023-NQM1-779 |  |  | [redacted] | [redacted] |  |  | [redacted] | [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | [redacted] | [redacted] | .224 |  | [redacted] |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |

---

## Exhibit 99.3

[Imperial Fund Mortgage Trust 2023-NQM1 ABS-15G](admortgage-abs15g_012323.htm)

**Exhibit 99.3**

![](logo-mission.jpg)

**Rating Agency Grades**

**2023-NQM1_Imperial Fund II_FINAL**

**Run Date - 1/18/2023 10:45:00 AM**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Investor ID** | **Seller Loan ID** | **Original Loan Amount** |
| XXXXXXX_2023-NQM1-1 |  |  | [redacted] D A B |
| XXXXXXX_2023-NQM1-2 |  |  | [redacted] D A B |
| XXXXXXX_2023-NQM1-3 |  |  | [redacted] D B A |
| XXXXXXX_2023-NQM1-4 |  |  | [redacted] D C A B |
| XXXXXXX_2023-NQM1-5 |  |  | [redacted] D A C B |
| XXXXXXX_2023-NQM1-6 |  |  | [redacted] D A B |
| XXXXXXX_2023-NQM1-7 |  |  | [redacted] D A B |
| XXXXXXX_2023-NQM1-8 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-9 |  |  | [redacted] C D A B |
| XXXXXXX_2023-NQM1-10 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-11 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-12 |  |  | [redacted] D B A |
| XXXXXXX_2023-NQM1-13 |  |  | [redacted] D A B |
| XXXXXXX_2023-NQM1-14 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-15 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-16 |  |  | [redacted] D C B A |
| XXXXXXX_2023-NQM1-17 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-18 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-19 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-20 |  |  | [redacted] A D |
| XXXXXXX_2023-NQM1-21 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-22 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-23 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-24 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-25 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-26 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-27 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-28 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-29 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-30 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-31 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-32 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-33 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-34 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-35 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-36 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-37 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-38 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-39 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-40 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-41 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-42 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-43 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-44 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-45 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-46 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-47 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-48 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-49 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-50 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-51 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-52 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-53 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-54 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-55 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-56 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-57 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-58 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-59 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-60 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-61 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-62 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-63 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-64 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-65 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-66 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-67 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-68 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-69 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-70 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-71 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-72 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-73 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-74 |  |  | [redacted] A D |
| XXXXXXX_2023-NQM1-75 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-76 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-77 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-78 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-79 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-80 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-81 |  |  | [redacted] D C A |
| XXXXXXX_2023-NQM1-82 |  |  | [redacted] D B A |
| XXXXXXX_2023-NQM1-83 |  |  | [redacted] D B A |
| XXXXXXX_2023-NQM1-84 |  |  | [redacted] D A B |
| XXXXXXX_2023-NQM1-85 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-86 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-87 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-88 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-89 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-90 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-91 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-92 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-93 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-94 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-95 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-96 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-97 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-98 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-99 |  |  | [redacted] A B |
| XXXXXXX_2023-NQM1-100 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-101 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-102 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-103 |  |  | [redacted] D A B |
| XXXXXXX_2023-NQM1-104 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-105 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-106 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-107 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-108 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-109 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-110 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-111 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-112 |  |  | [redacted] D C A |
| XXXXXXX_2023-NQM1-113 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-114 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-115 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-116 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-117 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-118 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-119 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-120 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-121 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-122 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-123 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-124 |  |  | [redacted] D C A |
| XXXXXXX_2023-NQM1-125 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-126 |  |  | [redacted] C D A |
| XXXXXXX_2023-NQM1-127 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-128 |  |  | [redacted] A C D |
| XXXXXXX_2023-NQM1-129 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-130 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-131 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-132 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-133 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-134 |  |  | [redacted] A B |
| XXXXXXX_2023-NQM1-135 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-136 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-137 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-138 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-139 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-140 |  |  | [redacted] C A D |
| XXXXXXX_2023-NQM1-141 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-142 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-143 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-144 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-145 |  |  | [redacted] D A C |
| XXXXXXX_2023-NQM1-146 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-147 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-148 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-149 |  |  | [redacted] D A B |
| XXXXXXX_2023-NQM1-150 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-151 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-152 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-153 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-154 |  |  | [redacted] D A B |
| XXXXXXX_2023-NQM1-155 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-156 |  |  | [redacted] D A B |
| XXXXXXX_2023-NQM1-157 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-158 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-159 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-160 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-161 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-162 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-163 |  |  | [redacted] D C A |
| XXXXXXX_2023-NQM1-164 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-165 |  |  | [redacted] A D |
| XXXXXXX_2023-NQM1-166 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-167 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-168 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-169 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-170 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-171 |  |  | [redacted] D C A B |
| XXXXXXX_2023-NQM1-172 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-173 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-174 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-175 |  |  | [redacted] D A C |
| XXXXXXX_2023-NQM1-176 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-177 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-178 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-179 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-180 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-181 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-182 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-183 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-184 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-185 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-186 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-187 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-188 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-189 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-190 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-191 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-192 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-193 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-194 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-195 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-196 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-197 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-198 |  |  | [redacted] D B A |
| XXXXXXX_2023-NQM1-199 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-200 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-201 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-202 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-203 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-204 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-205 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-206 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-207 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-208 |  |  | [redacted] D A B |
| XXXXXXX_2023-NQM1-209 |  |  | [redacted] D C B A |
| XXXXXXX_2023-NQM1-210 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-211 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-212 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-213 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-214 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-215 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-216 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-217 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-218 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-219 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-220 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-221 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-222 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-223 |  |  | [redacted] D A B |
| XXXXXXX_2023-NQM1-224 |  |  | [redacted] D A B |
| XXXXXXX_2023-NQM1-225 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-226 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-227 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-228 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-229 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-230 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-231 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-232 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-233 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-234 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-235 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-236 |  |  | [redacted] A B |
| XXXXXXX_2023-NQM1-237 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-238 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-239 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-240 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-241 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-242 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-243 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-244 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-245 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-246 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-247 |  |  | [redacted] A C B |
| XXXXXXX_2023-NQM1-248 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-249 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-250 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-251 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-252 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-253 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-254 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-255 |  |  | [redacted] A B |
| XXXXXXX_2023-NQM1-256 |  |  | [redacted] D A B |
| XXXXXXX_2023-NQM1-257 |  |  | [redacted] A B |
| XXXXXXX_2023-NQM1-258 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-259 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-260 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-261 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-262 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-263 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-264 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-265 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-266 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-267 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-268 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-269 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-270 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-271 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-272 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-273 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-274 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-275 |  |  | [redacted] D A B |
| XXXXXXX_2023-NQM1-276 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-277 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-278 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-279 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-280 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-281 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-282 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-283 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-284 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-285 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-286 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-287 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-288 |  |  | [redacted] A B |
| XXXXXXX_2023-NQM1-289 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-290 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-291 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-292 |  |  | [redacted] A |
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| XXXXXXX_2023-NQM1-585 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-586 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-587 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-588 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-589 |  |  | [redacted] C A B |
| XXXXXXX_2023-NQM1-590 |  |  | [redacted] A B |
| XXXXXXX_2023-NQM1-591 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-592 |  |  | [redacted] D A C B |
| XXXXXXX_2023-NQM1-593 |  |  | [redacted] D C A |
| XXXXXXX_2023-NQM1-594 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-595 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-596 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-597 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-598 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-599 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-600 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-601 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-602 |  |  | [redacted] A B |
| XXXXXXX_2023-NQM1-603 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-604 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-605 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-606 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-607 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-608 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-609 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-610 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-611 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-612 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-613 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-614 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-615 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-616 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-617 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-618 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-619 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-620 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-621 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-622 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-623 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-624 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-625 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-626 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-627 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-628 |  |  | [redacted] B D A |
| XXXXXXX_2023-NQM1-629 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-630 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-631 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-632 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-633 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-634 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-635 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-636 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-637 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-638 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-639 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-640 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-641 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-642 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-643 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-644 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-645 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-646 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-647 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-648 |  |  | [redacted] B C A |
| XXXXXXX_2023-NQM1-649 |  |  | [redacted] D A C B |
| XXXXXXX_2023-NQM1-650 |  |  | [redacted] C D B |
| XXXXXXX_2023-NQM1-651 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-652 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-653 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-654 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-655 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-656 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-657 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-658 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-659 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-660 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-661 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-662 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-663 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-664 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-665 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-666 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-667 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-668 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-669 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-670 |  |  | [redacted] A B |
| XXXXXXX_2023-NQM1-671 |  |  | [redacted] D C A |
| XXXXXXX_2023-NQM1-672 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-673 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-674 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-675 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-676 |  |  | [redacted] A B |
| XXXXXXX_2023-NQM1-677 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-678 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-679 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-680 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-681 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-682 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-683 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-684 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-685 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-686 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-687 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-688 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-689 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-690 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-691 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-692 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-693 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-694 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-695 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-696 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-697 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-698 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-699 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-700 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-701 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-702 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-703 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-704 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-705 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-706 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-707 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-708 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-709 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-710 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-711 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-712 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-713 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-714 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-715 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-716 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-717 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-718 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-719 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-720 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-721 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-722 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-723 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-724 |  |  | [redacted] D A |
| XXXXXXX_2023-NQM1-725 |  |  | [redacted] D A C B |
| XXXXXXX_2023-NQM1-726 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-727 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-728 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-729 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-730 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-731 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-732 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-733 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-734 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-735 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-736 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-737 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-738 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-739 |  |  | [redacted] A B |
| XXXXXXX_2023-NQM1-740 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-741 |  |  | [redacted] A B |
| XXXXXXX_2023-NQM1-742 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-743 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-744 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-745 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-746 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-747 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-748 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-749 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-750 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-751 |  |  | [redacted] B C A |
| XXXXXXX_2023-NQM1-752 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-753 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-754 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-755 |  |  | [redacted] C A |
| XXXXXXX_2023-NQM1-756 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-757 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-758 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-759 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-760 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-761 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-762 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-763 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-764 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-765 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-766 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-767 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-768 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-769 |  |  | [redacted] B A |
| XXXXXXX_2023-NQM1-770 |  |  | [redacted] A B |
| XXXXXXX_2023-NQM1-771 |  |  | [redacted] A C |
| XXXXXXX_2023-NQM1-772 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-773 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-774 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-775 |  |  | [redacted] B D A |
| XXXXXXX_2023-NQM1-776 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-777 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-778 |  |  | [redacted] A |
| XXXXXXX_2023-NQM1-779 |  |  | [redacted] D A |

---

## Exhibit 99.4

[Imperial Fund Mortgage Trust 2023-NQM1 ABS-15G](admortgage-abs15g_012323.htm)

**Exhibit 99.4**

![](logo-mission.jpg)

**Rating Agency Grades**

**2023-NQM1_Imperial Fund II_FINAL**

**Run Date - 1/18/2023 10:45:00 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| XXXXXXX_2023-NQM1-1 |  | D B A | Closed | FCRE1964 | 2022-06-14 08:34 | 2022-06-14 10:47 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing income documentation | Waived-DTI over 50% - Due Diligence Vendor-06/14/2022 <br>Ready for Review-Document Uploaded. exception uploaded. - Seller-06/14/2022 <br>Ready for Review-Document Uploaded. Income documentation were provided - please see breakdown for income used by underwriter. - Seller-06/07/2022 <br>Counter-Your debts match TPR debts. But the income you are using of $9149 includes the extra $1031 that we are unable to verify. Please see the income breakdown on your final 1003. It is $8118 based (from job verified in file) PLUS $1032 which appears to be the rental income or some other income that is not verified. if this is rental from subject, we cannot give it as we already used the rents to offset the new PITI payment. Finding is valid. - Due Diligence Vendor-06/06/2022 <br>Ready for Review-Document Uploaded. your calculations are wrong. Removing $1031 you have to add then $1250 rental income, then DTI is with in guide lines.<br> Formula<br> DTI Bottom = (Housing Expense + Monthly Debt + Negative Net Rent) \* 100 / Monthly Income<br>Liabilities<br> Net Rental Loss $1,484.00<br> Subject Property Net Loss $378.34<br> Monthly Debt $621.00<br> Housing Expenses $2,060.00<br> Total Liabilities: $4,543.34<br>Income<br> Monthly Income $9,149.52<br> Total Income: $9,149.52<br>Calculation<br> ((2060 - 0) + 621 + 1862.34) \* 100 / (9149.52 + 0) = 49.657<br> please see uploaded cash flow analysis and P&L for 2021 - Seller-06/03/2022 <br>Counter-$1250 rents were already accounted for. TPR used 75% of 1007 and netted out the Proposed PITI. Removing the $1031. income yields a DTI of 56.37 and does not meet guides. Debts total Subject Property loss of $341.80 (75% of 1007- $1279 PITI) + $2060 Primary housing + Other reo Loss of $1484 + credit report debts of $620 totals 4505.80/ income of $7993 (as the additional $1031.50 is unable to be verified)= DTI of 56.36 <br> Provide exception to DTI or a full income breakdown of how UW used $9149.52 as tax returns provided do not support this income currently - Due Diligence Vendor-06/03/2022 <br>Ready for Review-Document Uploaded. under other income was rental income used from subject property - it's actually higher $1,250.00 .Please see the explanation from UW. - Seller-05/31/2022 <br>Open-Please provide other income document consider for $1031.25 - Due Diligence Vendor-05/09/2022 | Ready for Review-Document Uploaded. exception uploaded. - Seller-06/14/2022 <br>Ready for Review-Document Uploaded. Income documentation were provided - please see breakdown for income used by underwriter. - Seller-06/07/2022 <br>Ready for Review-Document Uploaded. your calculations are wrong. Removing $1031 you have to add then $1250 rental income, then DTI is with in guide lines.<br> Formula<br> DTI Bottom = (Housing Expense + Monthly Debt + Negative Net Rent) \* 100 / Monthly Income<br>Liabilities<br> Net Rental Loss $1,484.00<br> Subject Property Net Loss $378.34<br> Monthly Debt $621.00<br> Housing Expenses $2,060.00<br> Total Liabilities: $4,543.34<br>Income<br> Monthly Income $9,149.52<br> Total Income: $9,149.52<br>Calculation<br> ((2060 - 0) + 621 + 1862.34) \* 100 / (9149.52 + 0) = 49.657<br> please see uploaded cash flow analysis and P&L for 2021 - Seller-06/03/2022 <br>Ready for Review-Document Uploaded. under other income was rental income used from subject property - it's actually higher $1,250.00 .Please see the explanation from UW. - Seller-05/31/2022<br>| Waived-DTI over 50% - Due Diligence Vendor-06/14/2022<br>|  | 5 yrs current job, No credit events past 48 months, 10 ys in same line of employment | [redacted]_explanation from uw.pdf<br> [redacted]2_cash flow analysis.pdf<br> [redacted]_P&L 2021.pdf<br> [redacted]_income.pdf<br> [redacted]_income.pdf<br> [redacted]_exception form on income that effected DTI - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 446635 |
| XXXXXXX_2023-NQM1-2 |  | D B A | Closed | FCRE1491 | 2022-06-07 13:40 | 2022-06-08 14:46 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Exception give: Borrower is short on assets to cover reserves requirement - Due Diligence Vendor-06/08/2022 <br>Ready for Review-Document Uploaded. Please review uploaded exception form. - Seller-06/07/2022 <br>Counter-Final LP states reserves of $10643.80 and we are short. Only $8568.28 available. - Due Diligence Vendor-06/06/2022 <br>Ready for Review-Please refer to LP for reserves requirements. - Seller-06/03/2022 <br>Counter-Assets for reserves are short. Total reserves needed total $10237.68 and only have $8568.27 available. Short by $1669.41 - Due Diligence Vendor-06/03/2022 <br>Ready for Review-After closing remaining assets were $8568.28-that covers reserves requirements. - Seller-05/27/2022 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Assets available $31715.76 which covered cash to close of $23,147.48, however still required assets to cover reserves $1669.41 - Due Diligence Vendor-05/09/2022 | Ready for Review-Document Uploaded. Please review uploaded exception form. - Seller-06/07/2022 <br>Ready for Review-Please refer to LP for reserves requirements. - Seller-06/03/2022 <br>Ready for Review-After closing remaining assets were $8568.28-that covers reserves requirements. - Seller-05/27/2022<br>| Waived-Exception give: Borrower is short on assets to cover reserves requirement - Due Diligence Vendor-06/08/2022<br>|  | 5 Years on job, High Discretionary Income No Credit Events past 48 months | [redacted]_Exception form - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 446728 |
| XXXXXXX_2023-NQM1-3 |  | D B A | Closed | FCRE7532 | 2022-05-18 15:22 | 2022-10-13 09:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Qualifying Credit Score does not meet eligibility requirement(s) | Waived-waiver for credit score provided. - Due Diligence Vendor-10/13/2022 <br>Waived-Minimum FICO not met - Due Diligence Vendor-05/19/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear condition, thank you - Seller-05/18/2022 <br>Open-minimum is 599 and borrower score is less. - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear condition, thank you - Seller-05/18/2022<br>| Waived-waiver for credit score provided. - Due Diligence Vendor-10/13/2022 <br>Waived-Minimum FICO not met - Due Diligence Vendor-05/19/2022<br>|  | LTV 65, reserves, Borrower contribution exceeds<br> requirement >=5% | [redacted] ExceptionFICO.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 462336 |
| XXXXXXX_2023-NQM1-4 |  | D B A | Closed | FCRE1180 | 2022-05-19 15:40 | 2022-10-13 09:51 | Waived | 2 - Non-Material D B | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Waived-Waiver for missing HO6 provided. - Due Diligence Vendor-10/13/2022 <br>Waived-HO6 missing - Due Diligence Vendor-05/20/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-05/19/2022 <br>Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-05/19/2022<br>| Waived-Waiver for missing HO6 provided. - Due Diligence Vendor-10/13/2022 <br>Waived-HO6 missing - Due Diligence Vendor-05/20/2022<br>|  | reserves, low LTV, Borrower contribution exceeds requirement >=5% | [redacted] ExceptionHO6.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 462335 |
| XXXXXXX_2023-NQM1-5 |  | D B A | Closed | FVAL1039 | 2022-05-26 12:36 | 2022-05-26 16:17 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-Documentation provided resolved Finding - Due Diligence Vendor-05/26/2022 <br>Ready for Review-Document Uploaded. CDA is attached, please clear this condition, thank you! - Seller-05/26/2022 <br>Counter-AVM does not support. The Confidence score is less than 90 - Due Diligence Vendor-05/19/2022 <br>Ready for Review-Document Uploaded. AVM is uploaded, please clear condition, thank you - Seller-05/18/2022 <br>Open-CU Score is missing - Due Diligence Vendor-05/16/2022 | Ready for Review-Document Uploaded. CDA is attached, please clear this condition, thank you! - Seller-05/26/2022 <br>Ready for Review-Document Uploaded. AVM is uploaded, please clear condition, thank you - Seller-05/18/2022<br>| Resolved-Documentation provided resolved Finding - Due Diligence Vendor-05/26/2022<br>|  |  | [redacted] AVM.pdf<br> [redacted]_CDA 0%.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 456405 |
| XXXXXXX_2023-NQM1-6 |  | D B A | Closed | FCOM4028 | 2022-05-18 14:25 | 2022-05-19 09:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-recorded doc received. - Due Diligence Vendor-05/19/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear condition, thank you - Seller-05/18/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/13/2022 | Ready for Review-Document Uploaded. Uploaded, please clear condition, thank you - Seller-05/18/2022<br>| Resolved-recorded doc received. - Due Diligence Vendor-05/19/2022<br>|  |  | [redacted] Recorded Mortgage.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 453938 |
| XXXXXXX_2023-NQM1-7 |  | D B A | Closed | FCRE1145 | 2022-05-18 14:29 | 2022-05-19 09:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-final title received. - Due Diligence Vendor-05/19/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear condition, thank you - Seller-05/18/2022 <br>Open-Final Title policy is missing - Due Diligence Vendor-05/17/2022 | Ready for Review-Document Uploaded. Uploaded, please clear condition, thank you - Seller-05/18/2022<br>| Resolved-final title received. - Due Diligence Vendor-05/19/2022<br>|  |  | Title Policy.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 460196 |
| XXXXXXX_2023-NQM1-8 |  | D B A | Closed | FCRE1491 | 2022-05-18 10:47 | 2022-09-01 16:06 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-09/01/2022 <br>Waived-Asset Qualification Does Not Meet Guideline Requirements - Due Diligence Vendor-08/16/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-08/12/2022 <br>Counter-Documents uploaded show $51,507 Need $57,494 for cash to close and 3 months of reserves. Short $5,987 - Due Diligence Vendor-08/09/2022 <br>Ready for Review-Document Uploaded. uploaded, please clear this condition, thank you - Seller-08/04/2022 <br>Open-Asset Qualification Does Not Meet Guideline Requirements There are no asset statements in the file for cash to close or reserves. Unable to determine the exact amount as HUD and hazard insurance are missing from the file as well. - Due Diligence Vendor-05/18/2022 <br>Open-Asset Qualification Does Not Meet Guideline Requirements - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-08/12/2022 <br>Ready for Review-Document Uploaded. uploaded, please clear this condition, thank you - Seller-08/04/2022<br>| Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-09/01/2022 <br>Waived-Asset Qualification Does Not Meet Guideline Requirements - Due Diligence Vendor-08/16/2022<br>|  |  | Signed [redacted].pdf<br> [redacted] Oct.pdf<br> [redacted] Aug.pdf<br> [redacted] INS.pdf<br> [redacted] Sep.pdf<br> ExceptionAssets7008296 .pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462358 |
| XXXXXXX_2023-NQM1-9 |  | D B A | Closed | FCRE9806 | 2022-05-18 10:55 | 2022-08-16 11:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Other Credit Finding | Waived-Exception Borrower has not owned a property in the last 24 months - Due Diligence Vendor-08/16/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-08/12/2022 <br>Open-Borrower has not owned a property in the last 24 months. - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-08/12/2022<br>| Waived-Exception Borrower has not owned a property in the last 24 months - Due Diligence Vendor-08/16/2022<br>|  | No MTG late payments in the last 24 months; 5+years credit history; 10 years or more in same line of employment | ExceptionOwn [redacted] .pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 462388 |
| XXXXXXX_2023-NQM1-10 |  | D B A | Closed | 123ABCF | 2022-05-18 10:55 | 2022-08-16 11:43 | Waived | 2 - Non-Material C B | Credit | Income/Employment | FICO does not meet minimum program requirement | Waived-Borrowers FICO is 596. Minimum FICO for 80% LTV for a DSCR loan is 680 - Due Diligence Vendor-08/16/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you - Seller-08/12/2022 <br>Open-Borrowers FICO is 596. Minimum FICO for 80% LTV for a DSCR loan is 680. - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you - Seller-08/12/2022<br>| Waived-Borrowers FICO is 596. Minimum FICO for 80% LTV for a DSCR loan is 680 - Due Diligence Vendor-08/16/2022<br>|  | No MTG late payments in the last 24 months; 5+years credit history; 10 years or more in same line of employment | ExceptionCredit[redacted] .pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 462389 |
| XXXXXXX_2023-NQM1-11 |  | D B A | Closed | FCRE3931 | 2022-05-18 10:56 | 2022-08-01 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | Other Credit Finding 1 | Resolved-Received bus affidavit - Due Diligence Vendor-08/01/2022 <br>Ready for Review-Document Uploaded. - Seller-07/19/2022 <br>Ready for Review-Document Uploaded. Will it work? - Seller-07/19/2022 <br>Open-Business Purpose Disclosure is missing. - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. - Seller-07/19/2022 <br>Ready for Review-Document Uploaded. Will it work? - Seller-07/19/2022<br>| Resolved-Received bus affidavit - Due Diligence Vendor-08/01/2022<br>|  |  | Affidavit of Occupancy<br> [redacted] BPO.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462392 |
| XXXXXXX_2023-NQM1-12 |  | D B A | Closed | FCRE1157 | 2022-05-18 10:42 | 2022-08-01 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/01/2022 <br>Resolved-Received insurance - Due Diligence Vendor-08/01/2022 <br>Ready for Review-Document Uploaded. - Seller-07/19/2022 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. - Seller-07/19/2022<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/01/2022 <br>Resolved-Received insurance - Due Diligence Vendor-08/01/2022<br>|  |  | EOI [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462346 |
| XXXXXXX_2023-NQM1-13 |  | D B A | Closed | FCRE1161 | 2022-05-18 10:42 | 2022-08-01 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/01/2022 <br>Resolved-Received flood cert - Due Diligence Vendor-08/01/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-07/22/2022 <br>Open-Missing Flood Certificate - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-07/22/2022<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/01/2022 <br>Resolved-Received flood cert - Due Diligence Vendor-08/01/2022<br>|  |  | Flood Cert [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462347 |
| XXXXXXX_2023-NQM1-14 |  | D B A | Closed | FVAL1039 | 2022-05-18 10:52 | 2022-08-01 10:48 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-Desk review received and supports value - Due Diligence Vendor-08/01/2022 <br>Ready for Review-Document Uploaded. CDA is uploaded, please clear this condition, thank you! - Seller-07/21/2022 <br>Open-AVM provided but confidence score was 88. Desk review needed. - Due Diligence Vendor-06/02/2022 <br>Open-Missing CU scores - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. CDA is uploaded, please clear this condition, thank you! - Seller-07/21/2022<br>| Resolved-Desk review received and supports value - Due Diligence Vendor-08/01/2022<br>|  |  | [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462378 |
| XXXXXXX_2023-NQM1-15 |  | D B A | Closed | FCRE1728 | 2022-05-18 10:51 | 2022-08-01 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Received rental market analysis - Due Diligence Vendor-08/01/2022 <br>Ready for Review-Document Uploaded. - Seller-07/19/2022 <br>Open- - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. - Seller-07/19/2022<br>| Resolved-Received rental market analysis - Due Diligence Vendor-08/01/2022<br>|  |  | 1007 7[redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462369 |
| XXXXXXX_2023-NQM1-16 |  | D B A | Closed | FCRE1241 | 2022-05-18 10:52 | 2022-08-01 10:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received contract - Due Diligence Vendor-08/01/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-07/22/2022 <br>Open- - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-07/22/2022<br>| Resolved-Received contract - Due Diligence Vendor-08/01/2022<br>|  |  | Pur[redacted] Contract.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462375 |
| XXXXXXX_2023-NQM1-17 |  | D B A | Closed | FCOM4247 | 2022-05-18 10:52 | 2022-08-01 10:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-Received hud - Due Diligence Vendor-08/01/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition , thank you! - Seller-07/22/2022 <br>Open- - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition , thank you! - Seller-07/22/2022<br>| Resolved-Received hud - Due Diligence Vendor-08/01/2022<br>|  |  | Signed CD [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462372 |
| XXXXXXX_2023-NQM1-18 |  | D B A | Closed | FCOM4028 | 2022-06-14 08:38 | 2022-06-20 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Received recorded mortgage - Due Diligence Vendor-06/20/2022 <br>Ready for Review-Document Uploaded. The evidence of Mortgage recording is uploaded. Please, clear this condition. Thank you - Seller-06/14/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. The evidence of Mortgage recording is uploaded. Please, clear this condition. Thank you - Seller-06/14/2022<br>| Resolved-Received recorded mortgage - Due Diligence Vendor-06/20/2022<br>|  |  | [redacted] Recorded Mortgage.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462298 |
| XXXXXXX_2023-NQM1-19 |  | D B A C | Closed | FCRE1201 | 2022-05-18 09:44 | 2022-12-05 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/04/2022 <br>Ready for Review-Document Uploaded. - Seller-08/02/2022 <br>Open-Missing Third Party Fraud Report Missing fraud / OFAC reports for FN Borrower 1 and Borrower 2 - Due Diligence Vendor-05/18/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. - Seller-08/02/2022<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/04/2022<br>|  |  | [redacted] Fraud.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462213 |
| XXXXXXX_2023-NQM1-20 |  | D B A C | Closed | FCRE6914 | 2022-05-18 08:37 | 2022-10-11 10:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-10/11/2022 <br> Resolved-Passport - Due Diligence Vendor-10/11/2022 <br> Ready for Review-Document Uploaded. ID is uploaded, please clear this condition, thank you! - Seller-10/10/2022 <br> Counter-We cannot waive this. ASF reporting requires us to capture residency info. - Due Diligence Vendor-08/26/2022 <br> Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-08/25/2022 <br> Open-Borrower 2 Citizenship Documentation Is Missing ID/Passport not provided for [redacted], FN - Due Diligence Vendor-05/18/2022 <br> Open-Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. ID is uploaded, please clear this condition, thank you! - Seller-10/10/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-08/25/2022<br>| Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-10/11/2022 <br>Resolved-Passport - Due Diligence Vendor-10/11/2022<br>|  |  | [redacted] Credit Report.pdf<br> ExceptionID.pdf<br> [redacted] - 2014.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 461920 |
| XXXXXXX_2023-NQM1-21 |  | D B A C | Closed | FCOM1234 | 2022-05-18 08:37 | 2022-08-25 09:35 | Acknowledged | 2 - Non-Material C B | Compliance | Closing | The Final 1003 is Not Executed | Acknowledged- - Due Diligence Vendor-08/25/2022 <br> Open-The Final 1003 is Not Executed 1003 is not dated or signed by originator or Borrowers (page 1 1003). Borrower [redacted] 1003 info is blank - Due Diligence Vendor-05/18/2022 <br> Open-The Final 1003 is Not Executed - Due Diligence Vendor-05/18/2022 |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | No | 461921 |
| XXXXXXX_2023-NQM1-22 |  | D B A C | Closed | FCRE1173 | 2022-05-18 09:31 | 2022-08-01 11:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Master Condo Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-08/01/2022 <br>Open-Missing HO-6 Master Insurance Policy Missing Condo Master Policy - Due Diligence Vendor-05/18/2022 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-08/01/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462161 |
| XXXXXXX_2023-NQM1-23 |  | D B A C | Closed | FCRE1161 | 2022-05-18 09:31 | 2022-08-01 11:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/01/2022 <br>Open-Missing Flood Certificate Some info provided from the Appraisal Project Site Section (page 1 of TP Ap) - Due Diligence Vendor-05/18/2022 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/01/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462163 |
| XXXXXXX_2023-NQM1-24 |  | D B A C | Closed | FCRE1157 | 2022-05-23 14:47 | 2022-08-01 11:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/01/2022 <br>Resolved-Received insurance - Due Diligence Vendor-08/01/2022 <br>Ready for Review-Document Uploaded. The file is attached. Please, clear this condition. Thank you! - Seller-07/20/2022 <br>Open-Master condo policy and liability insurance are missing (Both policies are not present in file) - Due Diligence Vendor-05/23/2022 | Ready for Review-Document Uploaded. The file is attached. Please, clear this condition. Thank you! - Seller-07/20/2022<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/01/2022 <br>Resolved-Received insurance - Due Diligence Vendor-08/01/2022<br>|  |  | [redacted] EOP.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 468582 |
| XXXXXXX_2023-NQM1-25 |  | D B A C | Closed | FCRE1164 | 2022-05-18 09:31 | 2022-08-01 11:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-08/01/2022 <br>Resolved-Received flood ins - Due Diligence Vendor-08/01/2022 <br>Open- - Due Diligence Vendor-08/01/2022 <br>Ready for Review-Document Uploaded. - Seller-07/22/2022 <br>Open-Missing Flood Insurance Policy Appraisal Project Site indicates subject property in AE Flood Zone - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. - Seller-07/22/2022<br>| Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-08/01/2022 <br>Resolved-Received flood ins - Due Diligence Vendor-08/01/2022<br>|  |  | Master and Master flood [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462160 |
| XXXXXXX_2023-NQM1-26 |  | D B A C | Closed | FCOM4028 | 2022-05-18 08:10 | 2022-08-01 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Received rec mortgage - Due Diligence Vendor-08/01/2022 <br>Ready for Review-Document Uploaded. - Seller-07/19/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. - Seller-07/19/2022<br>| Resolved-Received rec mortgage - Due Diligence Vendor-08/01/2022<br>|  |  | [redacted] RCD MTG.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 461804 |
| XXXXXXX_2023-NQM1-27 |  | D B A C | Closed | FCRE1728 | 2022-05-18 10:35 | 2022-08-01 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Received market rent analysis - Due Diligence Vendor-08/01/2022 <br>Ready for Review-Document Uploaded. - Seller-07/25/2022 <br>Open- - Due Diligence Vendor-05/18/2022 | Ready for Review-Document Uploaded. - Seller-07/25/2022<br>| Resolved-Received market rent analysis - Due Diligence Vendor-08/01/2022<br>|  |  | [redacted] 1007.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462323 |
| XXXXXXX_2023-NQM1-28 |  | D B A C | Closed | FVAL1039 | 2022-05-18 10:34 | 2022-06-02 13:12 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-AVM with 90 confidence score provided. Finding resolved. - Due Diligence Vendor-06/02/2022 <br> Open-No AVM or Collateral Underwriter Score available to support [redacted] Value - Due Diligence Vendor-05/18/2022 |  | Resolved-AVM with 90 confidence score provided. Finding resolved. - Due Diligence Vendor-06/02/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462322 |
| XXXXXXX_2023-NQM1-29 |  | D B A C | Closed | FCRE1258 | 2022-05-18 10:35 | 2022-06-02 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Collateral Underwriter Missing | Resolved-AVM with 90 confidence score provided. Finding resolved. - Due Diligence Vendor-06/02/2022 <br>Open-No Collateral Underwriter Score provided - Due Diligence Vendor-05/18/2022 |  | Resolved-AVM with 90 confidence score provided. Finding resolved. - Due Diligence Vendor-06/02/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 462324 |
| XXXXXXX_2023-NQM1-30 |  | D B A C | Closed | FPRO1136 | 2022-05-14 14:19 | 2022-10-24 15:24 | Acknowledged | 2 - Non-Material C | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Acknowledged-C grade acknowledged - Due Diligence Vendor-10/24/2022 <br> Ready for Review-C grade is fine - Seller-10/18/2022 <br> Counter-Appraiser calls for engineering inspection. Without report completed cannot confirm damage in not structural. finding stands as a C grade unless an as-is appraisal can be provided. - Due Diligence Vendor-08/19/2022 <br> Ready for Review XXXXXXXXXXX: [redacted]. Do we still need "as-is" appraisal?<br> - Seller-08/16/2022 <br> Ready for Review-Document Uploaded. AVM Confidence score is 91 - Seller-08/16/2022 <br> Open-Appraiser calls for engineering inspection. Without report completed cannot confirm damage in not structural. finding stands as a C grade unless an as-is appraisal can be provided. - Due Diligence Vendor-08/11/2022 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis Per UW notes, the cracks in the cement were deemed visual and not structural, and property in overall very good condition but supporting documentation could not be located. - Due Diligence Vendor-05/14/2022 | Ready for Review-C grade is fine - Seller-10/18/2022 <br> Ready for Review-XXXXXXXXXXX: [redacted]. Do we still need "as-is" appraisal?<br> - Seller-08/16/2022 <br> Ready for Review-Document Uploaded. AVM Confidence score is 91 - Seller-08/16/2022 | Acknowledged-C grade acknowledged - Due Diligence Vendor-10/24/2022<br>|  |  | [redacted] AVM.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 455945 |
| XXXXXXX_2023-NQM1-31 |  | D B A C | Closed | FCRE5802 | 2022-05-14 15:53 | 2022-10-14 08:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived-Exception granted no bank statement or reserves - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. - Seller-10/13/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-10/13/2022 <br>Open-No bank statement or reserves provided - Due Diligence Vendor-05/14/2022 | Ready for Review-Document Uploaded. - Seller-10/13/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-10/13/2022<br>| Waived-Exception granted no bank statement or reserves - Due Diligence Vendor-10/14/2022<br>|  | 65% LTV; 5+ credit history; No mortgage late payments in last 24 months | Exception.pdf<br>Payment History (2) (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 455946 |
| XXXXXXX_2023-NQM1-32 |  | D B A C | Closed | FCRE1728 | 2022-05-14 13:24 | 2022-08-03 08:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Received Market analysis - Due Diligence Vendor-08/03/2022 <br>Ready for Review-Document Uploaded. - Seller-07/25/2022 <br>Open-Pulled estimated negative net rent from 1003 - Due Diligence Vendor-05/14/2022 | Ready for Review-Document Uploaded. - Seller-07/25/2022<br>| Resolved-Received Market analysis - Due Diligence Vendor-08/03/2022<br>|  |  | [redacted] 1007.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 455943 |
| XXXXXXX_2023-NQM1-33 |  | D B A C | Closed | FCOM4028 | 2022-05-14 09:53 | 2022-08-03 08:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording Received recorded mortgage - Due Diligence Vendor-08/03/2022 <br>Ready for Review-Document Uploaded. The evidence of Mortgage recording is attached. Please, clear this condition. Thank you! - Seller-07/19/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-05/14/2022 | Ready for Review-Document Uploaded. The evidence of Mortgage recording is attached. Please, clear this condition. Thank you! - Seller-07/19/2022<br>| Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording Received recorded mortgage - Due Diligence Vendor-08/03/2022<br>|  |  | [redacted] Recorded Copy Mortgage.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 455927 |
| XXXXXXX_2023-NQM1-34 |  | D B A | Closed | FCRE1201 | 2022-06-16 13:21 | 2022-12-05 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/17/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022 <br>Open-Missing Third Party Fraud Report Correct, Missing Third Party Fraud Report - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/17/2022<br>|  |  | Nexis-FRAUD Report.PDF | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 486783 |
| XXXXXXX_2023-NQM1-35 |  | D B A | Closed | FCOM1212 | 2022-10-21 10:07 | 2022-10-21 10:08 | Resolved | 1 - Information A | Compliance | Closing | Note Indicates Interest Only Terms but Loan not Approved as an Interest Only Program or Program does Not Allow for Interest Only Terms | Resolved-Document Uploaded. - Due Diligence Vendor-10/21/2022 <br>Resolved-Note was originally interest only for full term. Lender provided revised note for fully amortizing term. - Due Diligence Vendor-10/21/2022 |  | Resolved-Document Uploaded. - Due Diligence Vendor-10/21/2022 <br>Resolved-Note was originally interest only for full term. Lender provided revised note for fully amortizing term. - Due Diligence Vendor-10/21/2022<br>|  |  | Doc - Nov 25 2019 - 3-58 PM.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 702979 |
| XXXXXXX_2023-NQM1-36 |  | D B A | Closed | FCRE1491 | 2022-06-16 13:29 | 2022-10-13 09:43 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-waiver provided for insufficient months bank statements. - Due Diligence Vendor-10/13/2022 <br> Open- - Due Diligence Vendor-10/13/2022 <br> Waived- - Due Diligence Vendor-08/23/2022 <br> Ready for Review-Document Uploaded. Exception form together with payment history are uploaded - Seller-08/19/2022 <br> Counter-1. [redacted] is missing Oct 2019 statement, 2 months required and only have 9/2019 statement. 2. Also do not have proof of EMD for $29950. Missing proof of EMD as part of assets. - Due Diligence Vendor-06/17/2022 <br> Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Correct, No Assets provided. Total Required Reserves Amount $16,646.94 and Cast to Close Required in the amount of $125,790.38 - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. Exception form together with payment history are uploaded - Seller-08/19/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022<br>| Waived-waiver provided for insufficient months bank statements. - Due Diligence Vendor-10/13/2022<br>|  | No mortgage late payments in last 24 months; 5+ years credit history; no late payments at the loan settlement | Income - CPA letter.pdf<br> CPA license CRC [redacted].pdf<br> Assets - XP Inv Acct #[redacted] Oct 2019 Stmt.pdf<br> Assets - DDA Checking Account Statements - 9_30_2019 (1).pdf<br> OANDA Exchange Nov 2019.pdf<br> [redacted] Loan Master Report.pdf<br> [redacted]payhistory.xlsx<br> [redacted] Credit Report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | No | 486776 |
| XXXXXXX_2023-NQM1-37 |  | D B A | Closed | FVAL1039 | 2022-06-16 14:48 | 2022-08-03 08:58 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-Desk Review received and supports value - Due Diligence Vendor-08/03/2022 <br>Ready for Review-Document Uploaded. CDA is uploaded, please clear this condition, thank you! - Seller-07/26/2022 <br>Counter-Desk review required as confidence score is less than 90 - Due Diligence Vendor-06/17/2022 <br>Ready for Review-Document Uploaded. AVM uploaded - Seller-06/16/2022 <br>Open-AVM required - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. CDA is uploaded, please clear this condition, thank you! - Seller-07/26/2022 <br>Ready for Review-Document Uploaded. AVM uploaded - Seller-06/16/2022<br>| Resolved-Desk Review received and supports value - Due Diligence Vendor-08/03/2022<br>|  |  | [redacted]_AVM value.pdf<br> [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 486860 |
| XXXXXXX_2023-NQM1-38 |  | D B A | Closed | FCRE1241 | 2022-06-16 13:23 | 2022-06-17 08:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-received contract - Due Diligence Vendor-06/17/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022 <br>Open-Purchase Contract is missing. - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022<br>| Resolved-received contract - Due Diligence Vendor-06/17/2022<br>|  |  | Pur[redacted] Contract.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 486743 |
| XXXXXXX_2023-NQM1-39 |  | D B A | Closed | FCRE1161 | 2022-06-16 13:23 | 2022-06-17 08:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/17/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022 <br>Open-Missing Flood Certificate Correct, Missing Flood Certificate - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/17/2022<br>|  |  | FAIFLOOD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 486720 |
| XXXXXXX_2023-NQM1-40 |  | D B A | Closed | FCRE1258 | 2022-06-16 14:47 | 2023-01-06 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-01/06/2023 <br>Resolved-Desk Review received and supports value - Due Diligence Vendor-08/03/2022 <br>Ready for Review-Document Uploaded. CDA is uploaded, please clear this condition, thank you! - Seller-07/26/2022 <br>Counter-Confidence score is below 90. Desk review required. - Due Diligence Vendor-06/17/2022 <br>Ready for Review-Document Uploaded. AVM uploaded - Seller-06/16/2022 <br>Open-No CU scores provided - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. CDA is uploaded, please clear this condition, thank you! - Seller-07/26/2022 <br>Ready for Review-Document Uploaded. AVM uploaded - Seller-06/16/2022<br>| Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-01/06/2023 <br>Resolved-Desk Review received and supports value - Due Diligence Vendor-08/03/2022<br>|  |  | [redacted]AVM Report.pdf<br> [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 487593 |
| XXXXXXX_2023-NQM1-41 |  | D B A | Closed | FCRE4293 | 2022-06-17 09:11 | 2022-08-18 09:55 | Waived | 2 - Non-Material A B | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Waived-Exception granted Short cash to close - Due Diligence Vendor-08/18/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-08/17/2022 <br>Open-NEW FINDING 6/17- Missing HUD was received 6/17 and reviewed. Cash to close is $39021.61 plus reserves of $16655.15= $55676.76. Only have $51508.24 verified and short cash to close of $4168.52 - Due Diligence Vendor-06/17/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-08/17/2022<br>| Waived-Exception granted Short cash to close - Due Diligence Vendor-08/18/2022<br>|  | FICO 704; no credit events in the past 48 months; 5+ years credit history | ExceptionAssets[redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 505864 |
| XXXXXXX_2023-NQM1-42 |  | D B A | Closed | FCRE1161 | 2022-06-16 12:47 | 2022-06-17 09:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/17/2022 <br>Resolved-received flood cert - Due Diligence Vendor-06/17/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022 <br>Open-Missing Flood Certificate Correct, Missing Flood Certificate - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/17/2022 <br>Resolved-received flood cert - Due Diligence Vendor-06/17/2022<br>|  |  | Flood Certificate.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 487437 |
| XXXXXXX_2023-NQM1-43 |  | D B A | Closed | FCRE1159 | 2022-06-06 14:17 | 2022-06-17 09:03 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of 09-18-2020 is prior to or equal to the Note Date of 09-18-2020 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/16/2022 <br>Open-Hazard Insurance Effective Date of 09-21-2020 is after the Note Date of 09-18-2020 Correct, Hazard Insurance Effective Date of 09-21-2020 is after the Note Date of 09-18-2020 - Due Diligence Vendor-06/06/2022 |  | Resolved-Hazard Insurance Effective Date of 09-18-2020 is prior to or equal to the Note Date of 09-18-2020 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 487438 |
| XXXXXXX_2023-NQM1-44 |  | D B A | Closed | FCRE1201 | 2022-06-16 12:48 | 2022-06-17 09:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/17/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022 <br>Open-Missing Third Party Fraud Report Correct, Missing Third Party Fraud Report - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/17/2022<br>|  |  | Nexis_Fraud Report.PDF | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 487577 |
| XXXXXXX_2023-NQM1-45 |  | D B A | Closed | FCOM4247 | 2022-06-16 12:51 | 2022-06-17 09:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-Hud provided. - Due Diligence Vendor-06/17/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022 <br>Open-Missing HUD-1 - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022<br>| Resolved-Hud provided. - Due Diligence Vendor-06/17/2022<br>|  |  | [redacted] HUD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 487450 |
| XXXXXXX_2023-NQM1-46 |  | D B A | Closed | FCOM4028 | 2022-06-16 13:05 | 2022-06-17 09:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-received - Due Diligence Vendor-06/17/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022<br>| Resolved-received - Due Diligence Vendor-06/17/2022<br>|  |  | [redacted] llc RECORDED MORTGAGE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 487319 |
| XXXXXXX_2023-NQM1-47 |  | D B A | Closed | FCRE1241 | 2022-06-16 12:45 | 2022-06-17 08:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-received contract - Due Diligence Vendor-06/17/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022 <br>Open-Purchase Contract is missing - Due Diligence Vendor-06/06/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-06/16/2022<br>| Resolved-received contract - Due Diligence Vendor-06/17/2022<br>|  |  | Pur[redacted] Contract - [redacted]t.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 487591 |
| XXXXXXX_2023-NQM1-48 |  | D A | Closed | FCRE1316 | 2022-09-19 12:28 | 2022-09-29 15:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-CPA letter verifys the voe requirement - Due Diligence Vendor-09/29/2022 <br>Ready for Review-Document Uploaded. - Seller-09/27/2022 <br>Open- - Due Diligence Vendor-09/19/2022 | Ready for Review-Document Uploaded. - Seller-09/27/2022<br>| Resolved-CPA letter verifys the voe requirement - Due Diligence Vendor-09/29/2022<br>|  |  | [redacted]_CPA letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 657102 |
| XXXXXXX_2023-NQM1-49 |  | D B C A | Closed | FCRE5275 | 2022-06-27 10:35 | 2022-06-27 11:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Asset do not meet guidelines | Waived-Exception granted Borrower doesn't meet DU requirements related to assets - Due Diligence Vendor-06/27/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-06/27/2022 <br>Open-Need additional $2009 verified in assets to cover cash to close. - Due Diligence Vendor-06/14/2022 | Ready for Review-Document Uploaded. See attached - Seller-06/27/2022<br>| Waived-Exception granted Borrower doesn't meet DU requirements related to assets - Due Diligence Vendor-06/27/2022<br>|  | Fico is 731, 5 years on current job, no Credit events for 48 months, High Discretionary income | [redacted] signed.pdf | QM: Verified Safe Harbor (VSH) | QM: Verified Safe Harbor (VSH) | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 498867 |
| XXXXXXX_2023-NQM1-50 |  | D B C A | Closed | FCRE9806 | 2022-06-27 10:52 | 2022-06-27 11:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Other Credit Finding | Waived-DTI is over 50% - Due Diligence Vendor-06/27/2022 <br>Ready for Review-Document Uploaded. Please see uploaded exception form - Seller-06/27/2022 <br>Open-DU dated 4/13 in file (after Note date) is Refer with Caution. (other DU in file was Approve Eligible due to using lease income, but final 1008 and updated DU removed lease income and DTI is now 56) - Due Diligence Vendor-06/14/2022 | Ready for Review-Document Uploaded. Please see uploaded exception form - Seller-06/27/2022<br>| Waived-DTI is over 50% - Due Diligence Vendor-06/27/2022<br>|  | Fico 731, 5 years on current job No credit events in last 48 months, high discretionary income | [redacted]_signed.pdf | QM: Verified Safe Harbor (VSH) | QM: Verified Safe Harbor (VSH) | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 498865 |
| XXXXXXX_2023-NQM1-51 |  | D B C A | Closed | finding-3732 | 2022-06-16 07:41 | 2022-06-22 14:12 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Cleared finding. Compliance report and our data match exactly and should be cleared. - Due Diligence Vendor-06/22/2022 <br>Ready for Review-total of payments is accurate<br> 103X$1,477.03+256X$1,295.50+1X$1,297.73+$741.25+$6009.00=488,740.07 - Seller-06/16/2022 <br>Open-This loan failed the TRID total of payments test. (12 CFR §1026.38(o)(1))The total of payments is $494,649.74. The disclosed total of payments of $488,740.07 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-06/14/2022 | Ready for Review-total of payments is accurate<br> 103X$1,477.03+256X$1,295.50+1X$1,297.73+$741.25+$6009.00=488,740.07 - Seller-06/16/2022<br>| Resolved-Cleared finding. Compliance report and our data match exactly and should be cleared. - Due Diligence Vendor-06/22/2022<br>|  |  |  | QM: Verified Safe Harbor (VSH) | QM: Verified Safe Harbor (VSH) | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 498989 |
| XXXXXXX_2023-NQM1-52 |  | D B C A | Closed | finding-651 | 2022-06-16 07:47 | 2022-06-22 14:12 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Cleared finding. Compliance report and our data match exactly and should be cleared. - Due Diligence Vendor-06/22/2022 <br>Ready for Review-Document Uploaded. Finance charge is accurate. - Seller-06/16/2022 <br>Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $215,130.74. The disclosed finance charge of $211,192.57 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-06/14/2022 | Ready for Review-Document Uploaded. Finance charge is accurate. - Seller-06/16/2022<br>| Resolved-Cleared finding. Compliance report and our data match exactly and should be cleared. - Due Diligence Vendor-06/22/2022<br>|  |  | [redacted]_fin charge.pdf<br> [redacted]_analysis.pdf | QM: Verified Safe Harbor (VSH) | QM: Verified Safe Harbor (VSH) | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 498992 |
| XXXXXXX_2023-NQM1-53 |  | D B C A | Closed | FCOM4189 | 2022-06-16 10:38 | 2022-06-20 07:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow for MI but no MI cert in file | Resolved-MI Cert provided - Due Diligence Vendor-06/20/2022 <br>Ready for Review-Document Uploaded. MI uploaded. - Seller-06/16/2022 <br>Open-Missing MI Cert. Only 2 MI quotes in file (one from Essent and one from MGIC) - Due Diligence Vendor-06/14/2022 | Ready for Review-Document Uploaded. MI uploaded. - Seller-06/16/2022<br>| Resolved-MI Cert provided - Due Diligence Vendor-06/20/2022<br>|  |  | [redacted]_MI Cert_[redacted].pdf | QM: Verified Safe Harbor (VSH) | QM: Verified Safe Harbor (VSH) | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 498868 |
| XXXXXXX_2023-NQM1-54 |  | D A | Closed | FCRE7756 | 2022-06-29 12:40 | 2022-11-01 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing credit report | Resolved-Credit Report is Provided - Due Diligence Vendor-07/12/2022 <br>Resolved-Received credit report - Due Diligence Vendor-07/12/2022 <br>Ready for Review-Document Uploaded. - Seller-07/01/2022 <br>Open-Credit Report is Missing Credit report not provided. Scores were pulled from closing package. - Due Diligence Vendor-06/29/2022 | Ready for Review-Document Uploaded. - Seller-07/01/2022<br>| Resolved-Credit Report is Provided - Due Diligence Vendor-07/12/2022 <br>Resolved-Received credit report - Due Diligence Vendor-07/12/2022<br>|  |  | [redacted]_Credit Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 523736 |
| XXXXXXX_2023-NQM1-55 |  | D A | Closed | FCRE1258 | 2022-06-29 13:43 | 2022-11-01 10:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable Received Cu score and it supports value - Due Diligence Vendor-07/12/2022 <br>Ready for Review-Document Uploaded. - Seller-07/01/2022 <br>Open-Collateral Underwriter Missing Not provided - Due Diligence Vendor-06/29/2022 | Ready for Review-Document Uploaded. - Seller-07/01/2022<br>| Resolved-Collateral Underwriter Provided or Not Applicable Received Cu score and it supports value - Due Diligence Vendor-07/12/2022<br>|  |  | [redacted]_SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 523971 |
| XXXXXXX_2023-NQM1-56 |  | D A | Closed | 123ABCF | 2022-07-12 12:51 | 2022-10-24 13:42 | Resolved | 1 - Information A | Credit | Income/Employment | FICO does not meet minimum program requirement | Resolved-Explanation received clears finding - Due Diligence Vendor-10/24/2022 <br>Open-Credit report received Two mortgages on credit report - one is for primary residence making DTI 63% - Due Diligence Vendor-07/12/2022 |  | Resolved-Explanation received clears finding - Due Diligence Vendor-10/24/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 542735 |
| XXXXXXX_2023-NQM1-57 |  | D A | Closed | FCRE1467 | 2022-06-29 13:04 | 2022-07-12 12:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 1 Missing | Resolved-Received Statement for support - Due Diligence Vendor-07/12/2022 <br>Ready for Review-Document Uploaded. - Seller-07/06/2022 <br>Open-Missing bank statements to support liquid asset amount stated of $242,448.73 from 1003.<br> Earnest money $50,000 is verified via cleared check.<br> Cash to close required $124,661.10 plus required reserves of $13,957.61 = $138,618.71 required and unconfirmed. - Due Diligence Vendor-07/01/2022 <br>Open-Asset 1 Missing Missing bank statements. Pulled asset amount from 1003 - Due Diligence Vendor-06/29/2022 | Ready for Review-Document Uploaded. - Seller-07/06/2022<br>| Resolved-Received Statement for support - Due Diligence Vendor-07/12/2022<br>|  |  | [redacted]_bank statements.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 523826 |
| XXXXXXX_2023-NQM1-58 |  | D A | Closed | FCOM4028 | 2022-06-28 16:46 | 2022-06-30 13:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.<br> - Due Diligence Vendor-06/30/2022 <br>Open-Missing evidence of Mortgage recording Originated in past 60 days - Due Diligence Vendor-06/28/2022 |  | Resolved-File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.<br> - Due Diligence Vendor-06/30/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 522127 |
| XXXXXXX_2023-NQM1-59 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-60 |  | D B A | Closed | FCRE1201 | 2022-07-25 09:58 | 2022-12-05 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/10/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/25/2022 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/10/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 568368 |
| XXXXXXX_2023-NQM1-61 |  | D B A | Closed | FVAL1039 | 2022-08-01 13:18 | 2022-09-16 14:04 | Resolved | 1 - Information A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. BPO value of XXXXXX supports original appraised value. Finding is resolved. - Due Diligence Vendor-09/16/2022 <br>Counter-BPO is pending - Due Diligence Vendor-08/26/2022 <br>Unable to Resolve-AVM provided has a Confidence Score of 83 - Due Diligence Vendor-08/10/2022 <br>Ready for Review-Document Uploaded. AVM is uploaded - Seller-08/05/2022 <br>Open-Appraisal date outside of 6 months. Need AVM to update value. - Due Diligence Vendor-08/01/2022 | Ready for Review-Document Uploaded. AVM is uploaded - Seller-08/05/2022<br>| Resolved-Document Uploaded. BPO value of $XXXXXXXXX supports original appraised value. Finding is resolved. - Due Diligence Vendor-09/16/2022<br>|  |  | [redacted] AVM.pdf<br> [redacted]_[redacted]_MissionGlobal_8.26.2022.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 578955 |
| XXXXXXX_2023-NQM1-62 |  | D B A | Closed | FPRO1245 | 2022-07-25 09:55 | 2022-09-16 14:03 | Resolved | 1 - Information A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-08/10/2022 <br>Rescinded-Primary Value Appraisal is Expired - Due Diligence Vendor-07/25/2022 |  | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-08/10/2022 <br>Rescinded-Primary Value Appraisal is Expired - Due Diligence Vendor-07/25/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 568358 |
| XXXXXXX_2023-NQM1-63 |  | D B A | Closed | FPRO1242 | 2022-07-25 10:01 | 2022-09-16 14:03 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-08/10/2022 <br>Resolved- - Due Diligence Vendor-08/10/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you - Seller-08/05/2022 <br>Open- - Due Diligence Vendor-07/25/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you - Seller-08/05/2022<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-08/10/2022<br>|  |  | Appraisal report - [redacted],.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 568385 |
| XXXXXXX_2023-NQM1-64 |  | D B A | Closed | 123ABCF | 2022-07-28 13:29 | 2022-08-25 10:57 | Waived | 2 - Non-Material C B | Credit | Income/Employment | FICO does not meet minimum program requirement | Waived-Fico below minimum. Lender pulled PC Credit and score is better, but at time of close FICO was not withtin program limits. - Due Diligence Vendor-08/25/2022 <br>Ready for Review-Document Uploaded. FICO has been improved. Exception form together with updated credit report is uploaded, please clear this condition, thank you! - Seller-08/24/2022 <br>Open-575 FICO below 599 minimum requirement for DSCR loans - foreign national borrower but has US credit profile. - Due Diligence Vendor-07/28/2022 | Ready for Review-Document Uploaded. FICO has been improved. Exception form together with updated credit report is uploaded, please clear this condition, thank you! - Seller-08/24/2022<br>| Waived-Fico below minimum. Lender pulled PC Credit and score is better, but at time of close FICO was not withtin program limits. - Due Diligence Vendor-08/25/2022<br>|  | DSCR 1.38; Assets to cover 95% of the Loan Amount; 2 borrowers; 5+ years credit history | [redacted] Credit report.pdf<br> ExceptionFICO[redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 575845 |
| XXXXXXX_2023-NQM1-65 |  | D B A | Closed | FCRE1180 | 2022-07-25 09:54 | 2022-08-25 10:56 | Waived | 2 - Non-Material D B | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Waived-No HO6 - Due Diligence Vendor-08/25/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-08/24/2022 <br>Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-07/25/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-08/24/2022<br>| Waived-No HO6 - Due Diligence Vendor-08/25/2022<br>|  | DSCR 1.38; Assets to cover 95% of the Loan Amount; 2 borrowers; 5+ years credit history | ExceptionHO[redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 568351 |
| XXXXXXX_2023-NQM1-66 |  | D B A | Closed | FCRE3742 | 2022-07-28 13:22 | 2022-08-25 10:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan Amount does not meet eligibility requirement(s) | Waived-loan amount below 100k - Due Diligence Vendor-08/25/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-08/24/2022 <br>Open-Loan amount is below the minimum loan amount of $100,000.00. - Due Diligence Vendor-07/28/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-08/24/2022<br>| Waived-loan amount below 100k - Due Diligence Vendor-08/25/2022<br>|  | DSCR 1.38; Assets to cover 95% of the Loan Amount; 2 borrowers; 5+ years credit history | [redacted].pdf<br> [redacted] Credit report.pdf<br> BS - Oct 2020 INC.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 575800 |
| XXXXXXX_2023-NQM1-67 |  | D B A | Closed | FCRE1258 | 2022-07-25 10:02 | 2022-08-10 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-08/10/2022 <br>Unable to Resolve-AVM provided has a Confidence score of 83 - Due Diligence Vendor-08/10/2022 <br>Ready for Review-Document Uploaded. - Seller-08/08/2022 <br>Open- - Due Diligence Vendor-07/25/2022 | Ready for Review-Document Uploaded. - Seller-08/08/2022<br>| Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-08/10/2022<br>|  |  | [redacted] AVM.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 568389 |
| XXXXXXX_2023-NQM1-68 |  | D B A | Closed | FCRE1194 | 2022-07-28 13:32 | 2022-08-10 11:22 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Unable to Resolve-Audited LTV of % is less than or equal to Guideline LTV of % Borrower needs a 680 FICO score to go to 75% - Due Diligence Vendor-08/10/2022 <br> Ready for Review-Document Uploaded. Contract price $XXXXXX. Appraisal reflects [redacted]. Loan amount [redacted]. 75%LTV - Seller-08/05/2022 <br> Open-100% LTV exceeds guideline LTV maximum - Due Diligence Vendor-07/28/2022 | Ready for Review-Document Uploaded. Contract price $XXXXXX. Appraisal reflects $XXXXXXXXX. Loan amount XXXXXXXX. 75%LTV - Seller-08/05/2022<br>|  |  |  | Appraisal report - [redacted],.pdf<br> NOTE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 575850 |
| XXXXXXX_2023-NQM1-69 |  | D B A | Closed | FCRE1241 | 2022-07-25 10:02 | 2022-08-10 11:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved- - Due Diligence Vendor-08/10/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition. Thank you - Seller-08/05/2022 <br>Open- - Due Diligence Vendor-07/25/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition. Thank you - Seller-08/05/2022<br>|  |  |  | Pur[redacted] Contract fully executed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 568390 |
| XXXXXXX_2023-NQM1-70 |  | D B A | Closed | FCRE1161 | 2022-07-25 09:54 | 2022-08-10 11:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/10/2022 <br>Resolved- - Due Diligence Vendor-08/10/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition. Thank you - Seller-08/05/2022 <br>Open-Missing Flood Certificate - Due Diligence Vendor-07/25/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition. Thank you - Seller-08/05/2022<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/10/2022<br>|  |  | FLOOD CERTIFICATE - [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 568352 |
| XXXXXXX_2023-NQM1-71 |  | D B A | Closed | FCRE1253 | 2022-07-25 09:53 | 2022-08-10 11:02 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-08/10/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition. Thank you - Seller-08/05/2022 <br>Open-Missing Property Tax Cert - Due Diligence Vendor-07/25/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition. Thank you - Seller-08/05/2022<br>| Resolved-Property Tax Cert Provided - Due Diligence Vendor-08/10/2022<br>|  |  | Property Tax Bill.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 568340 |
| XXXXXXX_2023-NQM1-72 |  | D B A | Closed | FCRE1148 | 2022-07-25 09:53 | 2022-08-10 11:02 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved- - Due Diligence Vendor-08/10/2022 <br>Ready for Review-Document Uploaded. Updated Title is uploaded, please clear this condition, thank you - Seller-08/05/2022 <br>Open-Title Coverage Amount of $0 is Less than Total Amount of Subject Lien(s) of $59250+0+0 - final title does not reflect the amount of insurance - Due Diligence Vendor-07/25/2022 | Ready for Review-Document Uploaded. Updated Title is uploaded, please clear this condition, thank you - Seller-08/05/2022<br>| Resolved- - Due Diligence Vendor-08/10/2022<br>|  |  | FINAL TITLE POLICY (updated).pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 568342 |
| XXXXXXX_2023-NQM1-73 |  | D B A | Closed | FCRE1151 | 2022-07-25 09:53 | 2022-08-10 11:02 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-08/10/2022 <br>Resolved- - Due Diligence Vendor-08/10/2022 <br>Ready for Review-Document Uploaded. Title is uploaded. Please clarify this condition, thank you - Seller-08/05/2022 <br>Open-Unsatisfactory Chain of Title provided - Due Diligence Vendor-07/25/2022 | Ready for Review-Document Uploaded. Title is uploaded. Please clarify this condition, thank you - Seller-08/05/2022<br>| Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-08/10/2022<br>|  |  | FINAL TITLE POLICY (updated).pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 568341 |
| XXXXXXX_2023-NQM1-74 |  | D B A | Closed | FCOM4247 | 2022-07-25 10:02 | 2022-08-10 11:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved- - Due Diligence Vendor-08/10/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition. Thank you - Seller-08/05/2022 <br>Open-unable to determine sufficient cash to close and reserves without HUD - Due Diligence Vendor-08/01/2022 <br>Open- - Due Diligence Vendor-07/25/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition. Thank you - Seller-08/05/2022<br>|  |  |  | [redacted] Final Signed HUD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 568388 |
| XXXXXXX_2023-NQM1-75 |  | D B A | Closed | FCRE1728 | 2022-08-01 11:50 | 2022-08-10 10:58 | Resolved | 1 - Information A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved- - Due Diligence Vendor-08/10/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you - Seller-08/05/2022 <br>Open-Unable to determine DSCR score - Due Diligence Vendor-08/01/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you - Seller-08/05/2022<br>|  |  |  | Appraisal report - [redacted],.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 578697 |
| XXXXXXX_2023-NQM1-76 |  | D B A | Closed | FCRE3931 | 2022-07-25 10:03 | 2022-08-10 10:57 | Resolved | 1 - Information C A | Credit | Eligibility | Other Credit Finding 1 | Resolved- - Due Diligence Vendor-08/10/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear the condition, thank you! - Seller-08/05/2022 <br>Open-Guaranty is missing - Due Diligence Vendor-07/25/2022 | Ready for Review-Document Uploaded. Uploaded, please clear the condition, thank you! - Seller-08/05/2022<br>|  |  |  | Guaranty [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 568398 |
| XXXXXXX_2023-NQM1-77 |  | D B A | Closed | FCRE9806 | 2022-07-25 10:03 | 2022-08-10 10:57 | Resolved | 1 - Information C A | Credit | Eligibility | Other Credit Finding | Resolved- - Due Diligence Vendor-08/10/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition. Thank you - Seller-08/05/2022 <br>Open-Business Purpose Disclosure is missing - Due Diligence Vendor-07/25/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition. Thank you - Seller-08/05/2022<br>|  |  |  | Affidavit Of Occupancy - [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 568395 |
| XXXXXXX_2023-NQM1-78 |  | D B A | Closed | FCOM1232 | 2022-07-24 10:08 | 2022-12-13 14:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present received - Due Diligence Vendor-08/25/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-08/25/2022 <br>Open- - Due Diligence Vendor-08/15/2022 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-07/24/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-08/25/2022<br>| Resolved-The Final 1003 is Present received - Due Diligence Vendor-08/25/2022<br>|  |  | [redacted] 1003.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 567225 |
| XXXXXXX_2023-NQM1-79 |  | D B A | Closed | FCOM1231 | 2022-07-24 10:08 | 2022-12-13 14:00 | Resolved | 1 - Information A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-08/25/2022 <br>Rescinded-not required - Due Diligence Vendor-07/29/2022 <br>Open-The Initial 1003 is Missing and the 1003 Page Occupancy Status is 'null'. - Due Diligence Vendor-07/24/2022 |  | Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-08/25/2022 <br>Rescinded-not required - Due Diligence Vendor-07/29/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 567227 |
| XXXXXXX_2023-NQM1-80 |  | D B A | Closed | FCRE6019 | 2022-07-29 12:04 | 2022-12-13 14:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. Please, see the document attached. Please, clear this condition. Thank you! - Seller-08/05/2022 <br>Open-No verification if US citizen or passports for FN or Non Perm in file - Due Diligence Vendor-07/29/2022 | Ready for Review-Document Uploaded. Please, see the document attached. Please, clear this condition. Thank you! - Seller-08/05/2022<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/15/2022<br>|  |  | ID - Passport [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 577184 |
| XXXXXXX_2023-NQM1-81 |  | D B A | Closed | FCRE1201 | 2022-07-24 11:28 | 2022-12-05 10:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/15/2022 <br>Resolved-Received fraud report - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. - Seller-08/12/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/24/2022 | Ready for Review-Document Uploaded. - Seller-08/12/2022<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/15/2022 <br>Resolved-Received fraud report - Due Diligence Vendor-08/15/2022<br>|  |  | [redacted] fraud.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 567234 |
| XXXXXXX_2023-NQM1-82 |  | D B A | Closed | FCOM1477 | 2022-07-24 10:13 | 2022-09-27 09:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-proof of loan approval with rate received. - Due Diligence Vendor-09/27/2022 <br>Ready for Review-Document Uploaded. - Seller-09/26/2022 <br>Ready for Review-Document Uploaded. - Seller-09/23/2022 <br>Open-Evidence of Rate Lock Missing and Occupancy status captured on the 1003 Page is 'null'. - Due Diligence Vendor-07/24/2022 | Ready for Review-Document Uploaded. - Seller-09/26/2022 <br>Ready for Review-Document Uploaded. - Seller-09/23/2022<br>| Resolved-proof of loan approval with rate received. - Due Diligence Vendor-09/27/2022<br>|  |  | [redacted] Affidavit of Occupancy.pdf<br> [redacted] 1003.pdf<br> Conditional Approval -[redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 567228 |
| XXXXXXX_2023-NQM1-83 |  | D B A | Closed | FCRE1491 | 2022-07-24 11:26 | 2022-09-27 09:55 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-cash to close shortage not verified. - Due Diligence Vendor-09/27/2022 <br>Ready for Review-! - Seller-09/26/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-09/26/2022 <br>Open-Received HUD on 8/25/2022. We are short $9701.31 reserves plus cash to close of $64330.91 for a total to be verified of $74032.20 - Due Diligence Vendor-08/25/2022 <br>Open-Asset Qualification Does Not Meet Guideline Requirements File Data missing Assets. Need cash to close plus $9701.31 for reserves verified via 3 mon statements. - Due Diligence Vendor-07/24/2022 | Ready for Review-! - Seller-09/26/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-09/26/2022<br>| Waived-cash to close shortage not verified. - Due Diligence Vendor-09/27/2022<br>|  | FICO 722, no MTG late payments, 5+ years of credit history | ExceptionAssetsshort.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 567233 |
| XXXXXXX_2023-NQM1-84 |  | D B A | Closed | FCRE6843 | 2022-07-29 12:39 | 2022-09-27 09:54 | Waived | 2 - Non-Material A B | Credit | Assets | Asset General | Waived-No reserves or assets provided. - Due Diligence Vendor-09/27/2022 <br>Ready for Review-! - Seller-09/26/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you - Seller-09/26/2022 <br>Open-earnest money and seasoning missing - Due Diligence Vendor-07/29/2022 | Ready for Review-! - Seller-09/26/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you - Seller-09/26/2022<br>| Waived-No reserves or assets provided. - Due Diligence Vendor-09/27/2022<br>|  | FICO 722, no MTG late payments, 5+ years of credit history | ExceptionAssets.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 577294 |
| XXXXXXX_2023-NQM1-85 |  | D B A | Closed | FCRE1194 | 2022-07-24 11:53 | 2022-09-27 09:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-LTV exceeds program max. 85% approved via exception - Due Diligence Vendor-09/27/2022 <br>Ready for Review-! - Seller-09/26/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-09/26/2022 <br>Open-Due to missing critical documents, Reviewer unable to find support for guidelines of an 85% LTV - Due Diligence Vendor-07/24/2022 | Ready for Review-! - Seller-09/26/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-09/26/2022<br>| Waived-LTV exceeds program max. 85% approved via exception - Due Diligence Vendor-09/27/2022<br>|  | FICO 722, no MTG late payments, 5+ years of credit history | ExceptionLTV.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 567236 |
| XXXXXXX_2023-NQM1-86 |  | D B A | Closed | FCOM4247 | 2022-08-01 08:58 | 2022-08-25 14:48 | Resolved | 1 - Information A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-received - Due Diligence Vendor-08/25/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-08/25/2022 <br>Open- - Due Diligence Vendor-08/01/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-08/25/2022<br>| Resolved-received - Due Diligence Vendor-08/25/2022<br>|  |  | Final HUD xxxxxx.PDF | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 578288 |
| XXXXXXX_2023-NQM1-87 |  | D B A | Closed | FCRE5771 | 2022-07-29 12:07 | 2022-08-25 14:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-received - Due Diligence Vendor-08/25/2022 <br>Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-08/25/2022 <br>Ready for Review-Document Uploaded. - Seller-08/25/2022 <br>Ready for Review-Document Uploaded. Combined credit report is uploaded, please clear this condition, thank you! - Seller-08/25/2022 <br>Open-missing B2 credit. - Due Diligence Vendor-07/29/2022 | Ready for Review-Document Uploaded. - Seller-08/25/2022 <br>Ready for Review-Document Uploaded. Combined credit report is uploaded, please clear this condition, thank you! - Seller-08/25/2022<br>| Resolved-received - Due Diligence Vendor-08/25/2022 <br>Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-08/25/2022<br>|  |  | [redacted]l combined CR.pdf<br> [redacted] Credit report 2.pdf<br> [redacted] Credit report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 577189 |
| XXXXXXX_2023-NQM1-88 |  | D B A | Closed | FVAL1039 | 2022-08-01 13:24 | 2022-08-18 09:22 | Resolved | 1 - Information A | Property | Value | Appraised value unsupported | Resolved-Received Desk review and supports value - Due Diligence Vendor-08/18/2022 <br>Ready for Review-Document Uploaded. The document is attached. Please, clear this condition. Thank you! - Seller-08/17/2022 <br>Counter-AVM received does not support value 82 conf score. Need Desk Review or supported bpo - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. - Seller-08/08/2022 <br>Open-Appraised value outside of 6 month window, need recent AVM to update value. - Due Diligence Vendor-08/01/2022 | Ready for Review-Document Uploaded. The document is attached. Please, clear this condition. Thank you! - Seller-08/17/2022 <br>Ready for Review-Document Uploaded. - Seller-08/08/2022<br>| Resolved-Received Desk review and supports value - Due Diligence Vendor-08/18/2022<br>|  |  | [redacted] AVM.pdf<br> [redacted] CDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 578989 |
| XXXXXXX_2023-NQM1-89 |  | D B A | Closed | FCOM1220 | 2022-07-24 10:06 | 2022-08-14 20:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/15/2022 <br>Resolved-Received mortgage - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. The document is attached. Please, clear this condition. Thank you! - Seller-08/05/2022 <br>Open-The Deed of Trust is Missing Mortgage provided in file data belongs to a different Borrower and Property (see page 1 of XXXXXXXX Recorded Mortgage) - Due Diligence Vendor-07/24/2022 | Ready for Review-Document Uploaded. The document is attached. Please, clear this condition. Thank you! - Seller-08/05/2022<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/15/2022 <br>Resolved-Received mortgage - Due Diligence Vendor-08/15/2022<br>|  |  | [redacted] MRTG.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 567224 |
| XXXXXXX_2023-NQM1-90 |  | D B A | Closed | FCOM1206 | 2022-07-24 10:03 | 2022-08-14 20:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-08/15/2022 <br>Resolved-Received note - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. The document is attached. Please, clear this condition. Thank you! - Seller-08/05/2022 <br>Open-The Note is Missing Note provided in File Data belongs to a different Borrower and Property (see page 1 of XXXXXXXX NOTE.pdf) - Due Diligence Vendor-07/24/2022 | Ready for Review-Document Uploaded. The document is attached. Please, clear this condition. Thank you! - Seller-08/05/2022<br>| Resolved-The Note is Present - Due Diligence Vendor-08/15/2022 <br>Resolved-Received note - Due Diligence Vendor-08/15/2022<br>|  |  | [redacted]Note.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 567221 |
| XXXXXXX_2023-NQM1-91 |  | D B A | Closed | FCOM8804 | 2022-07-29 11:49 | 2022-08-14 20:10 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-Received bP affid - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. The document is attached. Please, clear this condition. Thank you! - Seller-08/12/2022 <br>Open-Business Purpose Disclosure missing - Due Diligence Vendor-07/29/2022 | Ready for Review-Document Uploaded. The document is attached. Please, clear this condition. Thank you! - Seller-08/12/2022<br>| Resolved-Received bP affid - Due Diligence Vendor-08/15/2022<br>|  |  | [redacted] BPO.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 577148 |
| XXXXXXX_2023-NQM1-92 |  | D B A | Closed | FCRE1161 | 2022-07-24 11:03 | 2022-08-14 20:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/15/2022 <br>Resolved-Flood cert received - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. flood zone x - Seller-08/12/2022 <br>Open-Missing Flood Certificate - Due Diligence Vendor-07/24/2022 | Ready for Review-Document Uploaded. flood zone x - Seller-08/12/2022<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/15/2022 <br>Resolved-Flood cert received - Due Diligence Vendor-08/15/2022<br>|  |  | [redacted] flood cert.docx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 567230 |
| XXXXXXX_2023-NQM1-93 |  | D B A | Closed | FCRE1155 | 2022-07-24 11:03 | 2022-08-14 20:09 | Resolved | 1 - Information A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved- - Due Diligence Vendor-08/15/2022 <br>Open-Subject Property on Note matches Insured Property Address Missing Note -- File Data provided Note from another property and borrower - Due Diligence Vendor-07/24/2022 |  | Resolved- - Due Diligence Vendor-08/15/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 567231 |
| XXXXXXX_2023-NQM1-94 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-95 |  | B A | Closed | FCRE3931 | 2022-08-02 19:43 | 2022-08-03 09:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 1 | Waived-Lender granted exception for Assets: Need Exception for Wife's Assets. looking for exception to allow non borrowing spouse assets to be used as a gift. Per guidelines, for investment borrower must put 20% own funds. The borrower will. have a total of 5.77% in the loan but the the rest of the funds will be coming from the wife's account. - Due Diligence Vendor-08/03/2022 |  | Waived-Lender granted exception for Assets: Need Exception for Wife's Assets. looking for exception to allow non borrowing spouse assets to be used as a gift. Per guidelines, for investment borrower must put 20% own funds. The borrower will. have a total of 5.77% in the loan but the the rest of the funds will be coming from the wife's account. - Due Diligence Vendor-08/03/2022<br>|  | Compensating factors: 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months<br>See page 753 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 581194 |
| XXXXXXX_2023-NQM1-96 |  | B A | Closed | FVAL9739 | 2022-08-02 19:41 | 2022-08-02 19:41 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Lender granted exception for Appraisal: exception for Condo Questionnaire. Looking for Exception due to HOA doesn't want to fill out questions 1-9 on condo questionnaire concerning the building and safety section. Per the HOA they are not qualified to answer those questions. I have attached the email from the HOA and the questionnaire in question. - Due Diligence Vendor-08/03/2022 |  | Waived-Lender granted exception for Appraisal: exception for Condo Questionnaire. Looking for Exception due to HOA doesn't want to fill out questions 1-9 on condo questionnaire concerning the building and safety section. Per the HOA they are not qualified to answer those questions. I have attached the email from the HOA and the questionnaire in question. - Due Diligence Vendor-08/03/2022<br>|  | Compensating factors: 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months<br>See page 751 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 581193 |
| XXXXXXX_2023-NQM1-97 |  | D B C A | Closed | FVAL1039 | 2022-12-05 10:32 | 2022-12-05 10:32 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Updated BPO received supports value. finding is resolved. - Due Diligence Vendor-12/05/2022 <br>Open-Secondary valuation did not support. Pulling updated BPO order. - Due Diligence Vendor-12/05/2022 |  | Resolved-Document Uploaded. Updated BPO received supports value. finding is resolved. - Due Diligence Vendor-12/05/2022<br>|  |  | [redacted]_MissionGlobal_12.1.2022.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 757376 |
| XXXXXXX_2023-NQM1-98 |  | D B C A | Closed | FCRE1258 | 2022-08-09 15:16 | 2022-12-02 17:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Collateral Underwriter Missing | Resolved-Document Uploaded. BPO received and support value - Due Diligence Vendor-12/03/2022 <br>Counter-uCCP did not score Need AVM - Due Diligence Vendor-08/22/2022 <br>Ready for Review-Document Uploaded. - Seller-08/19/2022 <br>Open-Collateral Underwriter Missing Appraised value unsupported. There are two appraisals in the file both done by the same appraiser one dated 6/8 page 1143 and the other 6/30 page 1201. - Due Diligence Vendor-08/09/2022 | Ready for Review-Document Uploaded. - Seller-08/19/2022<br>| Resolved-Document Uploaded. BPO received and support value - Due Diligence Vendor-12/03/2022<br>|  |  | [redacted]_SSR FNMA.pdf<br> [redacted]_SSR FHLMC.pdf<br> [redacted]_[redacted]_MissionGlobal_12.1.2022.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 593506 |
| XXXXXXX_2023-NQM1-99 |  | D B C A | Closed | FCOM9175 | 2022-08-09 16:48 | 2022-08-24 14:07 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-Received proof of delivery - Due Diligence Vendor-08/24/2022 <br>Ready for Review-Document Uploaded. Per our compliance team-this CD doesn't require a signature either a proof of delivery - Seller-08/23/2022 <br>Counter-Need proof of signature otherwise need to use US mail test and it will fail. - Due Diligence Vendor-08/22/2022 <br>Ready for Review-We do not have to provide a proof it's been delivered to borrower, APR did not change ,program did not change. - Seller-08/19/2022 <br>Open-Provide evidence CD 07/22/2022 was delivered electronically - Due Diligence Vendor-08/09/2022 | Ready for Review-Document Uploaded. Per our compliance team-this CD doesn't require a signature either a proof of delivery - Seller-08/23/2022 <br>Ready for Review-We do not have to provide a proof it's been delivered to borrower, APR did not change ,program did not change. - Seller-08/19/2022<br>| Resolved-Received proof of delivery - Due Diligence Vendor-08/24/2022<br>|  |  | [redacted]_email from compliance.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 593647 |
| XXXXXXX_2023-NQM1-100 |  | D B C A | Closed | FCRE4802 | 2022-08-09 15:22 | 2022-08-09 15:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 2 | Waived-Exception Page 1098<br> Material: Credit<br> Short Description: Exception to use 5% as the balance for the debt.<br> When submitting first exception - borrower was going to pay off the auto lease at closing with cash out funds. This was approved. However, when the borrower contacted the creditor for auto lease,<br> they indicated that the account was out of statute and that there is NO reason for the borrower to pay it off other than if he wanted to out of the goodness of his heart. They have been difficult to get ahold of and obtain this payoff that, according to them, does not need to be paid off AT ALL. UW asked for an exception in this case - If the borrower does not pay it off, we will need an exception to use 5% as the balance for the debt on auto lease<br> - Due Diligence Vendor-08/09/2022 |  | Waived-Exception Page 1098<br> Material: Credit<br> Short Description: Exception to use 5% as the balance for the debt.<br> When submitting first exception - borrower was going to pay off the auto lease at closing with cash out funds. This was approved. However, when the borrower contacted the creditor for auto lease,<br> they indicated that the account was out of statute and that there is NO reason for the borrower to pay it off other than if he wanted to out of the goodness of his heart. They have been difficult to get ahold of and obtain this payoff that, according to them, does not need to be paid off AT ALL. UW asked for an exception in this case - If the borrower does not pay it off, we will need an exception to use 5% as the balance for the debt on auto lease<br> - Due Diligence Vendor-08/09/2022<br>|  | 5 years on current job, No credit events past 48 months, No mortgage late payments in last 24 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 593521 |
| XXXXXXX_2023-NQM1-101 |  | D B C A | Closed | FCRE3931 | 2022-08-09 15:18 | 2022-08-09 15:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 1 | Waived-Exception page 510<br> Material: Credit<br> Short Description: limited tradelines and exclusion of auto lease payment.<br> Asking for an approval for 2 points.1. limited tradelines - please see credit report attached.2. Per UW condition we need to exclude auto lease payment. For the auto lease, it is not paid in full. They are working on getting this updated as the car was turned in and the lease fulfilled. Not sure when this will be resolved though. So borrower is asking to pay off this debt at closing with cash out funds (UW requested exception for this as well) - Due Diligence Vendor-08/09/2022 |  | Waived-Exception page 510<br> Material: Credit<br> Short Description: limited tradelines and exclusion of auto lease payment.<br> Asking for an approval for 2 points.1. limited tradelines - please see credit report attached.2. Per UW condition we need to exclude auto lease payment. For the auto lease, it is not paid in full. They are working on getting this updated as the car was turned in and the lease fulfilled. Not sure when this will be resolved though. So borrower is asking to pay off this debt at closing with cash out funds (UW requested exception for this as well) - Due Diligence Vendor-08/09/2022<br>|  | 5 years on current job, No credit events past 48 months, No mortgage late payments in last 24 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 593509 |
| XXXXXXX_2023-NQM1-102 |  | D A | Closed | FCRE1258 | 2022-08-04 09:30 | 2023-01-06 05:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-08/09/2022 <br>Resolved-CU score received and clears findng - Due Diligence Vendor-08/09/2022 <br>Ready for Review-Document Uploaded. CU uploaded. - Seller-08/05/2022 <br>Open-Collateral Underwriter Missing CU score is missing - Due Diligence Vendor-08/04/2022 | Ready for Review-Document Uploaded. CU uploaded. - Seller-08/05/2022<br>| Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-08/09/2022 <br>Resolved-CU score received and clears findng - Due Diligence Vendor-08/09/2022<br>|  |  | [redacted]_cu.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 584136 |
| XXXXXXX_2023-NQM1-103 |  | D A | Closed | FCRE1728 | 2022-08-04 09:32 | 2022-08-09 17:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Received in missing appraisal - Due Diligence Vendor-08/09/2022 <br>Ready for Review-Document Uploaded. 1007 is on page 23 of uploaded appraisal - Seller-08/05/2022 <br>Open-1007 Document is required - Due Diligence Vendor-08/04/2022 | Ready for Review-Document Uploaded. 1007 is on page 23 of uploaded appraisal - Seller-08/05/2022<br>| Resolved-Received in missing appraisal - Due Diligence Vendor-08/09/2022<br>|  |  | [redacted]_appraisal.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 584156 |
| XXXXXXX_2023-NQM1-104 |  | D A | Closed | FCRE7347 | 2022-08-04 09:31 | 2022-08-09 17:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-1007 was included in missing appraisal - Due Diligence Vendor-08/09/2022 <br>Ready for Review-1007 was in file, lease is not required. Appraisal was uploaded to the condition above related to appraisal/1007 - Seller-08/05/2022 <br>Open-lease agreement is required - Due Diligence Vendor-08/04/2022 | Ready for Review-1007 was in file, lease is not required. Appraisal was uploaded to the condition above related to appraisal/1007 - Seller-08/05/2022<br>| Resolved-1007 was included in missing appraisal - Due Diligence Vendor-08/09/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 584154 |
| XXXXXXX_2023-NQM1-105 |  | D A | Closed | FPRO1242 | 2022-08-04 09:20 | 2022-08-09 17:06 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-08/09/2022 <br>Ready for Review-Document Uploaded. Appraisal uploaded - Seller-08/05/2022 <br>Open-Appraisal is Missing Appraisal document is required - Due Diligence Vendor-08/04/2022 | Ready for Review-Document Uploaded. Appraisal uploaded - Seller-08/05/2022<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-08/09/2022<br>|  |  | [redacted]_appraisal.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 584116 |
| XXXXXXX_2023-NQM1-106 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-107 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-108 |  | D A | Closed | FVAL1310 | 2022-08-09 10:52 | 2022-09-13 12:22 | Resolved | 1 - Information D A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved-Received HOA questionnaire - Due Diligence Vendor-09/13/2022 <br>Ready for Review-Document Uploaded. - Seller-09/07/2022 <br>Open-questionnaire missing - Due Diligence Vendor-08/09/2022 | Ready for Review-Document Uploaded. - Seller-09/07/2022<br>| Resolved-Received HOA questionnaire - Due Diligence Vendor-09/13/2022<br>|  |  | [redacted]_quesionaire 206.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 592300 |
| XXXXXXX_2023-NQM1-109 |  | D A | Closed | FVAL9739 | 2022-08-04 16:03 | 2022-08-15 13:11 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. Please, see the requested AVM report attached. Thank you! - Seller-08/12/2022 <br>Open-Incomplete copy of AVM provided (page 13) - Due Diligence Vendor-08/04/2022 | Ready for Review-Document Uploaded. Please, see the requested AVM report attached. Thank you! - Seller-08/12/2022<br>| Resolved-Received - Due Diligence Vendor-08/15/2022<br>|  |  | [redacted]_AVM Full Report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 585221 |
| XXXXXXX_2023-NQM1-110 |  | C B A | Closed | FCRE1198 | 2022-08-08 12:57 | 2022-08-20 13:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception granted :Borrower is short on reserves to cover 3 months reserves - Due Diligence Vendor-08/20/2022 <br>Ready for Review-Document Uploaded. Please see uploaded Exception - Seller-08/18/2022 <br>XXXXXXXXXXX asset statements are already account for. JuneXXXX is $154399.73 and XXXXXXXXXX is $759. Total verified is $155158.72. Need $146599.24 cash to close and $12611.67 reserves. Additional assets required or a valid waiver. - Due Diligence Vendor-08/15/2022 <br>Ready for Review-Document Uploaded. Invalid finding - borrower had enough assets to cover reserves requirement, Assets re-uploaded for your reference, - Seller-08/12/2022 <br>Open-Audited Reserves of 2.04 month(s) are less than Guideline Required Reserves of 3 month(s) B is short assets required for closing: Liquid assets available $155158.72, Cash to close $146599.24, Reserves required to close $12611.67, short by $4052.19. - Due Diligence Vendor-08/08/2022 | Ready for Review-Document Uploaded. Please see uploaded Exception - Seller-08/18/2022 <br>Ready for Review-Document Uploaded. Invalid finding - borrower had enough assets to cover reserves requirement, Assets re-uploaded for your reference, - Seller-08/12/2022<br>| Waived-Exception granted :Borrower is short on reserves to cover 3 months reserves - Due Diligence Vendor-08/20/2022<br>|  | Borrower in same line of business 11 years, No credit events in past 48 months, Low monthly Liabilities | [redacted]_assets business.pdf<br> [redacted]_[redacted] june statement.pdf<br> [redacted]_[redacted] may assets.pdf<br> [redacted]_assets for reserves.pdf<br> [redacted]_signed exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 590061 |
| XXXXXXX_2023-NQM1-111 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-112 |  | C B A | Closed | FCRE1193 | 2022-08-05 18:02 | 2022-12-05 08:59 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 50.83% exceeds Guideline DTI of 50% - Due Diligence Vendor-12/05/2022 <br>Resolved-Matrix received clears finding - Due Diligence Vendor-08/30/2022 <br>Ready for Review-No need for a waiver-please follow the Matrix uploaded 08/25 - Seller-08/26/2022 <br>Counter-waiver is needed as full Guidelines clarify that 80% max LTV is when you can have a DTI to 55%. Waiver is needed at this point. - Due Diligence Vendor-08/25/2022 <br>Ready for Review-Document Uploaded. Please see uploaded Matrix showing on OO super prime DTI allowed is 55% - Seller-08/25/2022 <br>Counter-Disagree. Per page 51 of guides, DTI can only to go to 55% on Primary/2nd homes, Purchase and Rate/Term and Max LTV Of 80%. LTV on subject is 85%. See page 51 of guidelines. - Due Diligence Vendor-08/23/2022 <br>Ready for Review-We do not need an exception on DTI beeing over50% Max DTI is 55% we are with in guide lines. - Seller-08/22/2022 <br>Counter-DTI is 50.32% need exception to clear - Due Diligence Vendor-08/19/2022 <br>Ready for Review-our DTI is under 50% - Seller-08/16/2022 <br>Counter-Disagree. Per page 51 of guides, DTI can only to go to 55% on Primary/2nd homes, Purchase and Rate/Term and Max LTV Of 80%. LTV on subject is 85%. See page 51 of guidelines. - Due Diligence Vendor-08/15/2022 <br>Ready for Review-DTI on non-qm is allowed up to 55%.<br> Our DTI is 49.720% - Seller-08/12/2022 <br>Open-Audited DTI of 50.32% exceeds Guideline DTI of 50% DTI is off due to discrepancy in taxes and insurance originator taxes 574.50 reviewer taxes are 617.97. Originator insurance is 1143.96 and reviewer is 1038.00. Originator DTI 49.72 reviewer DTI is 50.32. DTI is over guideline of 50% with LTV of 85%. - Due Diligence Vendor-08/06/2022 | Ready for Review-No need for a waiver-please follow the Matrix uploaded 08/25 - Seller-08/26/2022 <br>Ready for Review-Document Uploaded. Please see uploaded Matrix showing on OO super prime DTI allowed is 55% - Seller-08/25/2022 <br>Ready for Review-We do not need an exception on DTI beeing over50% Max DTI is 55% we are with in guide lines. - Seller-08/22/2022 <br>Ready for Review-our DTI is under 50% - Seller-08/16/2022 <br>Ready for Review-DTI on non-qm is allowed up to 55%.<br> Our DTI is 49.720% - Seller-08/12/2022<br>| Resolved-Audited DTI of 50.83% exceeds Guideline DTI of 50% - Due Diligence Vendor-12/05/2022 <br>Resolved-Matrix received clears finding - Due Diligence Vendor-08/30/2022<br>|  |  | [redacted]_Product-Matrix-11x8_5inch-220607.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 587657 |
| XXXXXXX_2023-NQM1-113 |  | C B A | Closed | FCRE3931 | 2022-08-05 18:20 | 2022-08-06 11:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 1 | Waived-Page 492<br> Material: Credit<br> Short Description: 2 tradelines for 12 months<br> Comments Hi Team. Need an exception on limited trade lines. Only QC spotted that there are only 2 trade<br> lines for the past 12 months, and the DTI on the file is quite high (49.6%), We need to stick to super prime program and the borrower is ready to buy down the exception hit in case it won't be high, as he has enough assets. Really need this exception because the closing should be tomorrow. - Due Diligence Vendor-08/06/2022 |  | Waived-Page 492<br> Material: Credit<br> Short Description: 2 tradelines for 12 months<br> Comments Hi Team. Need an exception on limited trade lines. Only QC spotted that there are only 2 trade<br> lines for the past 12 months, and the DTI on the file is quite high (49.6%), We need to stick to super prime program and the borrower is ready to buy down the exception hit in case it won't be high, as he has enough assets. Really need this exception because the closing should be tomorrow. - Due Diligence Vendor-08/06/2022<br>|  | No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months, Reserves>6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 587658 |
| XXXXXXX_2023-NQM1-114 |  | D A | Closed | FCRE1201 | 2022-08-24 14:00 | 2022-12-05 09:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided Fraud report received - Due Diligence Vendor-09/07/2022 <br>Ready for Review-Document Uploaded. Please review uploaded fraud report - Seller-09/02/2022 <br>Open-Missing Third Party Fraud Report unable to locate in file - Due Diligence Vendor-08/24/2022 | Ready for Review-Document Uploaded. Please review uploaded fraud report - Seller-09/02/2022<br>| Resolved-Third Party Fraud Report is provided Fraud report received - Due Diligence Vendor-09/07/2022<br>|  |  | [redacted]_fraud report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 620396 |
| XXXXXXX_2023-NQM1-115 |  | D A | Closed | FCRE1491 | 2022-08-24 14:17 | 2022-10-13 11:19 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received statements to clear finding - Due Diligence Vendor-10/13/2022 <br>Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-10/13/2022 <br>Ready for Review-Document Uploaded. Please review uploaded statement-that's the only print out borrower could pull from his account. - Seller-10/12/2022 <br>Counter-This asset has already been included. we need a more recent Life Insurance policy or a new asset not already present. - Due Diligence Vendor-09/01/2022 <br>Ready for Review-Document Uploaded. Please see uploaded assets docs.<br> - Seller-08/31/2022 <br>Open-Asset Qualification Does Not Meet Guideline Requirements <br> Cash Value from Life Ins Policy purchased in 2013 used to meet reserves requirement there was no current verification of policy existence within 60 days. - Due Diligence Vendor-08/24/2022 | Ready for Review-Document Uploaded. Please review uploaded statement-that's the only print out borrower could pull from his account. - Seller-10/12/2022 <br>Ready for Review-Document Uploaded. Please see uploaded assets docs.<br> - Seller-08/31/2022<br>| Resolved-Received statements to clear finding - Due Diligence Vendor-10/13/2022 <br>Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-10/13/2022<br>|  |  | [redacted]_assets.pdf<br> [redacted]_Prudential stm 10.2022.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 620449 |
| XXXXXXX_2023-NQM1-116 |  | D A | Closed | FCRE1479 | 2022-08-30 15:04 | 2022-10-13 11:18 | Resolved | 1 - Information B A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-10/13/2022 <br>Waived-Borrower does not have 5% own funds contribution - Due Diligence Vendor-08/30/2022 |  | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-10/13/2022 <br>Waived-Borrower does not have 5% own funds contribution - Due Diligence Vendor-08/30/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 628554 |
| XXXXXXX_2023-NQM1-117 |  | D A | Closed | FCRE1161 | 2022-08-24 13:51 | 2022-09-01 10:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present received - Due Diligence Vendor-09/01/2022 <br>Ready for Review-Document Uploaded. the flood report has been uploaded - Seller-09/01/2022 <br>Open-Missing Flood Certificate unable to locate in file - Due Diligence Vendor-08/24/2022 | Ready for Review-Document Uploaded. the flood report has been uploaded - Seller-09/01/2022<br>| Resolved-Flood Certificate is fully present received - Due Diligence Vendor-09/01/2022<br>|  |  | [redacted] _Flood Certificate report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 620367 |
| XXXXXXX_2023-NQM1-118 |  | B A | Closed | FCRE1194 | 2022-08-10 11:11 | 2022-08-10 11:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Exception found on page 58 of borrowers credit package.<br>LTV 80% DSCR < 1.0<br> Exception needed for 80 LTV and under 1.0<br>Approved with conditions of +0.5 to the rate, Min 3Y PPP - Due Diligence Vendor-08/10/2022 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Exception found on page 58 of borrowers credit package.<br>LTV 80% DSCR < 1.0<br> Exception needed for 80 LTV and under 1.0<br>Approved with conditions of +0.5 to the rate, Min 3Y PPP - Due Diligence Vendor-08/10/2022<br>|  | Credit score >40% than minimum required, no mortgage late payments in last 24 months, no credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 595254 |
| XXXXXXX_2023-NQM1-119 |  | C A | Closed | FCRE1198 | 2022-08-26 10:18 | 2022-09-13 12:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received documentation to prove reserves - Due Diligence Vendor-09/13/2022 <br>Ready for Review-Document Uploaded. Please see attached, this is the remaining balance after loan was closed - Seller-09/09/2022 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) - Verified assets $79,084.34, Amex balance due $31,761, cash to close is $50,691.40, 3 months reserves required equal to $3,468.15, borrower is hence short $6,836.20 to meet cash to close and reserve requirement - Due Diligence Vendor-08/26/2022 | Ready for Review-Document Uploaded. Please see attached, this is the remaining balance after loan was closed - Seller-09/09/2022<br>| Resolved-Received documentation to prove reserves - Due Diligence Vendor-09/13/2022<br>|  |  | 20220721-statements-1755--2.pdf<br>20220818-statements-1755-.pdf<br>CHECKINGSTATEMENT_08-31-2022.pdf<br>CHECKINGSTATEMENT_07-29-2022.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 623610 |
| XXXXXXX_2023-NQM1-120 |  | D A | Closed | FCRE9500 | 2022-08-18 12:11 | 2022-09-02 12:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Received proof joint owner is borrower - Due Diligence Vendor-09/02/2022 <br>Open-Page 568 - Processor cert stating bank account Name is deceased Mother but there is no supporting docs - beneficiary letter from bank, court, etc. Bwr not on account. No other stmts in file in bwr name. - Due Diligence Vendor-08/18/2022 |  | Resolved-Received proof joint owner is borrower - Due Diligence Vendor-09/02/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 610651 |
| XXXXXXX_2023-NQM1-121 |  | C B A | Closed | FCRE1493 | 2022-08-23 07:47 | 2022-09-13 12:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception granted Borrower does not meet the tradeline requirements for this program - Due Diligence Vendor-09/13/2022 <br>Ready for Review-Document Uploaded. - Seller-09/08/2022 <br>Counter-Does not have 3 open and active in last 12 or 2 for 24 - Due Diligence Vendor-09/01/2022 <br>Ready for Review-Document Uploaded. - Seller-08/31/2022 <br>Open-0 trade lines - Due Diligence Vendor-08/23/2022 | Ready for Review-Document Uploaded. - Seller-09/08/2022 <br>Ready for Review-Document Uploaded. - Seller-08/31/2022<br>| Waived-Exception granted Borrower does not meet the tradeline requirements for this program - Due Diligence Vendor-09/13/2022<br>|  | Borrower FICO 664,low credit utilization, no liabilities, | [redacted]_[redacted] [redacted] credit report.pdf<br> [redacted]_exception_missing_for_CPA_verbiage.pdf-max_admortgage sign.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 616832 |
| XXXXXXX_2023-NQM1-122 |  | C B A | Closed | finding-3519 | 2022-08-23 09:11 | 2022-09-01 11:33 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-received - Due Diligence Vendor-09/01/2022 <br>Ready for Review-Document Uploaded. - Seller-08/31/2022 <br>Open-proof CD dated8/9 sent electronic - Due Diligence Vendor-08/23/2022 | Ready for Review-Document Uploaded. - Seller-08/31/2022<br>| Resolved-received - Due Diligence Vendor-09/01/2022<br>|  |  | [redacted]_disclosure tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 617119 |
| XXXXXXX_2023-NQM1-123 |  | C B A | Closed | FCRE6843 | 2022-08-23 07:49 | 2022-09-01 11:33 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-April statement received. - Due Diligence Vendor-09/01/2022 <br> Ready for Review-Document Uploaded. - Seller-08/31/2022 <br> Open-missing April statement for [redacted] for funds to close to have 60 days. The Personal acct with [redacted] only has $828.73 available as of most recent statement 5/31. Need business account for funds to close - Due Diligence Vendor-08/23/2022 | Ready for Review-Document Uploaded. - Seller-08/31/2022<br>| Resolved-April statement received. - Due Diligence Vendor-09/01/2022<br>|  |  | [redacted]_april bs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 616836 |
| XXXXXXX_2023-NQM1-124 |  | C A | Closed | FCRE1198 | 2022-08-18 16:49 | 2022-12-16 15:42 | Resolved | 1 - Information A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 4.36 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-10/06/2022 <br>Rescinded-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Need [redacted] assets to cover cash from borrower and need [redacted] assets to cover reserves. Available asset is only [redacted].<br> Duplicate<br>- Due Diligence Vendor-08/18/2022 |  | Resolved-Audited Reserves of 4.36 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-10/06/2022 <br>Rescinded-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Need $313,023.30 assets to cover cash from borrower and need $20,917.47 assets to cover reserves. Available asset is only $16,426.96.<br> Duplicate<br>- Due Diligence Vendor-08/18/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 611557 |
| XXXXXXX_2023-NQM1-125 |  | C A | Closed | FCRE1491 | 2022-08-19 09:51 | 2022-08-26 07:02 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-CD received. - Due Diligence Vendor-08/26/2022 <br> Resolved-HUD received. - Due Diligence Vendor-08/26/2022 <br> Ready for Review-Document Uploaded. Final settlement statement for sale of [redacted] to support net proceeds of [redacted] disclosed at initial being used for cash to close. - Seller-08/23/2022 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Need [redacted] assets to cover cash from borrower and need [redacted] assets to cover reserves. Available asset is only [redacted]<br> - Due Diligence Vendor-08/19/2022 | Ready for Review-Document Uploaded. Final settlement statement for sale of ([redacted]) to support net proceeds of $[redacted] disclosed at initial being used for cash to close. - Seller-08/23/2022<br>| Resolved-CD received. - Due Diligence Vendor-08/26/2022 <br>Resolved-HUD received. - Due Diligence Vendor-08/26/2022<br>|  |  | [redacted]_[redacted] CD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 612488 |
| XXXXXXX_2023-NQM1-126 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-127 |  | C B A | Closed | FCRE1198 | 2022-08-31 08:23 | 2023-01-10 09:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Borrower short reserves at closing. Finding is waived. - Due Diligence Vendor-01/10/2023 <br>Ready for Review-Document Uploaded. - Seller-01/10/2023 <br>Counter-Total Qualified Assets for Reserves Post-Close of $1202.87 is less than Total Required Reserve Amount of $7254.69 Total reserves required are $7,254.69. Bwr is short $6,051.83. - Due Diligence Vendor-01/05/2023 <br>Counter-Even with Gift funds accounted for borrower only had 11822.44 but borrower had to bring 10620.57 leaving the borrower with only 1202.87 in liquid funds reserve requirement is 7254.69. Need additional asset statements verified or exception to reserve requirement. - Due Diligence Vendor-12/30/2022 | Ready for Review-Document Uploaded. - Seller-01/10/2023<br>| Waived-Borrower short reserves at closing. Finding is waived. - Due Diligence Vendor-01/10/2023<br>|  | FICO > program requirement, low credit utilization, DTI >=10% lower than loan program, High Discretionary Income >=$3000, 10 years or more in same <br> line of employment | [redacted]_exception for short reserves - signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 629330 |
| XXXXXXX_2023-NQM1-128 |  | C B A | Closed | FCRE1479 | 2022-08-31 08:18 | 2022-12-30 11:14 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received proof of gift funds - Due Diligence Vendor-12/30/2022 <br>Ready for Review-Document Uploaded. - Seller-09/09/2022 <br>Open-Asset Record 1 Does Not Meet G/L Requirements Source of the Gift funds, wire/bank stmt, of the cash gift wired at closing in the amount of $78, 916.92 is missing. - Due Diligence Vendor-08/31/2022 | Ready for Review-Document Uploaded. - Seller-09/09/2022<br>| Resolved-Received proof of gift funds - Due Diligence Vendor-12/30/2022<br>|  |  | [redacted]_Gift Funds.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 629316 |
| XXXXXXX_2023-NQM1-129 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-130 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-131 |  | D A | Closed | FCRE1241 | 2022-08-24 17:43 | 2022-09-23 07:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Accept escrow instructions as sales contract since its a sale by owner - Due Diligence Vendor-09/23/2022 <br>Counter-Document on page referenced below is a title pre lim Need contract signed by both parties - Due Diligence Vendor-08/30/2022 <br>Ready for Review-Good day.<br> For Sales Contract please see page 245 of 1006249_Closing docs - Seller-08/29/2022 <br>Open-Missing Sales Contract. Appraisal indicated contract was dated XXXX iao $XXXX. - Due Diligence Vendor-08/24/2022 | Ready for Review-Good day.<br> For Sales Contract please see page 245 of 1006249_Closing docs - Seller-08/29/2022<br>| Resolved-Accept escrow instructions as sales contract since its a sale by owner - Due Diligence Vendor-09/23/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 620789 |
| XXXXXXX_2023-NQM1-132 |  | C A | Closed | finding-697 | 2022-08-17 10:33 | 2022-08-30 08:16 | Cured | 1 - Information C A | Compliance | Points & Fees | GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test | Cured-PCCP and refund cures findings - Due Diligence Vendor-08/30/2022 <br>Ready for Review-Document Uploaded. Please review uploaded PCCD with LOE and copy of refund check - Seller-08/29/2022 <br>Ready for Review-Document Uploaded. Please see uploaded compliance report. - Seller-08/25/2022 <br>Open-This loan has terms that exceed the high-cost home loan points and fees threshold.<br> (GA SB 53 7-6A-2(7),(17)(B))<br> The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:<br>5 percent of the total loan amount if the total loan amount is $20,000.00 or more.<br> The lesser of 8 percent of the total loan amount or $1,000.00 if the total loan amount is less than $20,000.00.<br> - Due Diligence Vendor-08/17/2022 | Ready for Review-Document Uploaded. Please review uploaded PCCD with LOE and copy of refund check - Seller-08/29/2022 <br>Ready for Review-Document Uploaded. Please see uploaded compliance report. - Seller-08/25/2022<br>| Cured-PCCP and refund cures findings - Due Diligence Vendor-08/30/2022<br>|  |  | [redacted]_compliance.pdf<br> [redacted]_pccd.pdf<br> [redacted]_[redacted] loe to borrower (1).pdf<br> [redacted]_Check.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 607793 |
| XXXXXXX_2023-NQM1-133 |  | C A | Closed | finding-3634 | 2022-08-17 10:33 | 2022-08-29 11:22 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Explaination fixed it - Due Diligence Vendor-08/29/2022 <br>Ready for Review-no - this is covered by $85.00.As you can see appraisal fees were disclose din amount of $1200 on initial LE and on CD they break them down to two lines one line indicates appraisal fee $680,second line is showing appraisal fee $605-totl makes which in total makes $1285.00 for appraisal fees. Compare to LE-Cd have disclosed appraisal fees more by $85.00 and lender gives a credit on final CD for this amount ot borrower(page 2 of Cd indicates $85.00 lender credit for increased fees over legal limit). - Seller-08/26/2022 <br>Counter-$85 lender credit does not cover the $605 appraisal fee that was added on per comments below. <br> COC missing for LE dated 8/10. Initial LE disclosed an appraisal fee of $1200. Initial CD disclosed an additional appraisal fee of $605. No COC provided. - Due Diligence Vendor-08/26/2022 <br>Ready for Review-Final Cd is reflecting lender credits for $85.00 no COC is needed. - Seller-08/25/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $605.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). COC missing for LE dated 8/10. Initial LE disclosed an appraisal fee of $1200. Initial CD disclosed an additional appraisal fee of $605. No COC provided. - Due Diligence Vendor-08/17/2022 | Ready for Review-no - this is covered by $85.00.As you can see appraisal fees were disclose din amount of $1200 on initial LE and on CD they break them down to two lines one line indicates appraisal fee $680,second line is showing appraisal fee $605-totl makes which in total makes $1285.00 for appraisal fees. Compare to LE-Cd have disclosed appraisal fees more by $85.00 and lender gives a credit on final CD for this amount ot borrower(page 2 of Cd indicates $85.00 lender credit for increased fees over legal limit). - Seller-08/26/2022 <br>Ready for Review-Final Cd is reflecting lender credits for $85.00 no COC is needed. - Seller-08/25/2022<br>| Resolved-Explaination fixed it - Due Diligence Vendor-08/29/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 607788 |
| XXXXXXX_2023-NQM1-134 |  | C A | Closed | finding-3638 | 2022-08-17 10:33 | 2022-08-29 11:22 | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved-Explanation fixed it - Due Diligence Vendor-08/29/2022 <br>Ready for Review-no - this is covered by $85.00.As you can see appraisal fees were disclose din amount of $1200 on initial LE and on CD they break them down to two lines one line indicates appraisal fee $680,second line is showing appraisal fee $605-totl makes which in total makes $1285.00 for appraisal fees. Compare to LE-Cd have disclosed appraisal fees more by $85.00 and lender gives a credit on final CD for this amount ot borrower(page 2 of Cd indicates $85.00 lender credit for increased fees over legal limit). - Seller-08/26/2022 <br>Counter-We are missing COC for $605 for additional appraisal fee. This is not covered by $85.00 - Due Diligence Vendor-08/26/2022 <br>Ready for Review-final CD is reflecting lender credit for $85.00,no COc is needed - Seller-08/25/2022 <br>Open-This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $85.00, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $605.00.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, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. - Due Diligence Vendor-08/17/2022 | Ready for Review-no - this is covered by $85.00.As you can see appraisal fees were disclose din amount of $1200 on initial LE and on CD they break them down to two lines one line indicates appraisal fee $680,second line is showing appraisal fee $605-totl makes which in total makes $1285.00 for appraisal fees. Compare to LE-Cd have disclosed appraisal fees more by $85.00 and lender gives a credit on final CD for this amount ot borrower(page 2 of Cd indicates $85.00 lender credit for increased fees over legal limit). - Seller-08/26/2022 <br>Ready for Review-final CD is reflecting lender credit for $85.00,no COc is needed - Seller-08/25/2022<br>| Resolved-Explanation fixed it - Due Diligence Vendor-08/29/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 607789 |
| XXXXXXX_2023-NQM1-135 |  | C A | Closed | finding-3441 | 2022-08-17 10:33 | 2022-08-29 11:21 | Resolved | 1 - Information A | Compliance | Points & Fees | GSE (Freddie Mac public guidelines) QM Points and Fees Test | Rescinded- - Due Diligence Vendor-08/18/2022 <br>Open-This loan failed the QM points and fees test. (Freddie Mac Bulletin 2013-16)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to Freddie Mac. - Due Diligence Vendor-08/17/2022 |  | Rescinded- - Due Diligence Vendor-08/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 607783 |
| XXXXXXX_2023-NQM1-136 |  | C A | Closed | finding-3891 | 2022-08-17 10:33 | 2022-08-29 11:21 | Resolved | 1 - Information A | Compliance | ComplianceEase | GSE (Freddie Mac public guidelines) QM APR Test | Rescinded- - Due Diligence Vendor-08/18/2022 <br>Open-This loan failed the QM APR test. (Freddie Mac Bulletin 2021-13)The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to Freddie Mac unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-08/17/2022 |  | Rescinded- - Due Diligence Vendor-08/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 607784 |
| XXXXXXX_2023-NQM1-137 |  | C A | Closed | finding-3800 | 2022-08-17 10:33 | 2022-08-29 11:21 | Resolved | 1 - Information A | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | Rescinded- - Due Diligence Vendor-08/18/2022 <br>Open-This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is $114,847.00 or more, and the transaction's total points and fees is $4,657.50, which exceeds 3 percent of the total loan amount of $95,096.21; orThe loan amount is less than $114,847.00 but at least $68,908.00, and the transaction's total points and fees is $4,657.50, which exceeds $3,445.00; orThe loan amount is less than $68,908.00 but at least $22,969.00, and the transaction's total points and fees is $4,657.50, which exceeds 5 percent of the total loan amount of $95,096.21; orThe loan amount is less than $22,969.00 but at least $14,356.00, and the transaction's total points and fees is $4,657.50, which exceeds $1,148.00; orThe loan amount is less than $14,356.00 and the transaction's total points and fees is $4,657.50, which exceeds 8 percent of the total loan amount of $95,096.21. - Due Diligence Vendor-08/17/2022 |  | Rescinded- - Due Diligence Vendor-08/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 607785 |
| XXXXXXX_2023-NQM1-138 |  | C A | Closed | finding-3890 | 2022-08-17 10:33 | 2022-08-29 11:21 | Resolved | 1 - Information A | Compliance | ComplianceEase | GSE (Fannie Mae public guidelines) QM APR Test | Rescinded- - Due Diligence Vendor-08/18/2022 <br>Open-This loan failed the QM APR test. (Fannie Mae Lender Letter 2021-11)The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to Fannie Mae unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-08/17/2022 |  | Rescinded- - Due Diligence Vendor-08/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 607786 |
| XXXXXXX_2023-NQM1-139 |  | C A | Closed | finding-3888 | 2022-08-17 10:33 | 2022-08-29 11:21 | Resolved | 1 - Information A | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | Rescinded- - Due Diligence Vendor-08/18/2022 <br>Open-This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($114847.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 2.25%; orThe note amount for a first lien on a manufactured home is less than ($114847.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 6.5%; orThe note amount for a first lien a non-manufactured home is less than ($114847.000) but greater than or equal to ($68908.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($68908.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($68908.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 6.5%. - Due Diligence Vendor-08/17/2022 |  | Rescinded- - Due Diligence Vendor-08/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 607787 |
| XXXXXXX_2023-NQM1-140 |  | C A | Closed | finding-3430 | 2022-08-17 10:33 | 2022-08-29 11:21 | Resolved | 1 - Information A | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | Rescinded- - Due Diligence Vendor-08/18/2022 <br>Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 10.574%. The APR threshold to qualify for a safe harbor is 7.280%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-08/17/2022 |  | Rescinded- - Due Diligence Vendor-08/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 607790 |
| XXXXXXX_2023-NQM1-141 |  | C A | Closed | finding-3436 | 2022-08-17 10:33 | 2022-08-29 11:21 | Resolved | 1 - Information A | Compliance | Points & Fees | GSE (Fannie Mae public guidelines) QM Points and Fees Test | Rescinded- - Due Diligence Vendor-08/18/2022 <br>Open-This loan failed the QM points and fees test. (Fannie Mae Announcement 2013-06)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to Fannie Mae. - Due Diligence Vendor-08/17/2022 |  | Rescinded- - Due Diligence Vendor-08/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 607791 |
| XXXXXXX_2023-NQM1-142 |  | C A | Closed | FCRE1193 | 2022-08-18 10:36 | 2022-08-22 11:21 | Resolved | 1 - Information A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Final HUD is correct final dti is within guidelines - Due Diligence Vendor-08/22/2022 <br>Ready for Review-<br> Taxes are accurate per month-please refer to title commitment page 5 for tax info-taxes were paid and amount of total paid taxes is $771.27<br> DTI is accurate.<br> DTI Bottom = (Housing Expense + Monthly Debt) \* 100 / (Monthly Income + Net Rent)<br> Calculation<br> ((1040.3 - 0) + 2495) \* 100 / (11521.13 + 0) = 30.685<br> - Seller-08/18/2022 <br>Open- Data Tape DTi = 30.685% Loan Approval/1008 DTI = 32.685% Audited DTI = 48.36% - The DTI is off due to income and taxes. The 1008 has an income of $11,521.13 and the final 1003 has an income of $7,413. I used the lessor income. Additionally, the taxes on the 1008 and final 1003 reflect $64.27 and the HUD and Tax Cert both indicate a monthly tax amount of $113.81. - Due Diligence Vendor-08/18/2022 | Ready for Review-<br> Taxes are accurate per month-please refer to title commitment page 5 for tax info-taxes were paid and amount of total paid taxes is $771.27<br> DTI is accurate.<br> DTI Bottom = (Housing Expense + Monthly Debt) \* 100 / (Monthly Income + Net Rent)<br> Calculation<br> ((1040.3 - 0) + 2495) \* 100 / (11521.13 + 0) = 30.685<br> - Seller-08/18/2022<br>| Resolved-Final HUD is correct final dti is within guidelines - Due Diligence Vendor-08/22/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 610224 |
| XXXXXXX_2023-NQM1-143 |  | C A | Closed | finding-3519 | 2022-08-18 08:37 | 2022-08-22 10:52 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-received - Due Diligence Vendor-08/22/2022 <br>Ready for Review-Document Uploaded. see page 26 - Seller-08/19/2022 <br>Open-proof CD 8/9 sent electronic - Due Diligence Vendor-08/18/2022 | Ready for Review-Document Uploaded. see page 26 - Seller-08/19/2022<br>| Resolved-received - Due Diligence Vendor-08/22/2022<br>|  |  | [redacted]_All COC LEs and COC CDs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 609748 |
| XXXXXXX_2023-NQM1-144 |  | C A | Closed | finding-3631 | 2022-08-18 08:41 | 2022-08-22 10:51 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC and disclosure received. - Due Diligence Vendor-08/22/2022 <br>Ready for Review-Document Uploaded. Please see attached All COC LE and CDs. <br>Transfer tax were combined into 1 fee - the fee is less then was disclosed initially <br> - Seller-08/19/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. missing COCs for Discount points. went from $0 to $2011.38 on initial CD 8/9, Re-inspection fee went from $200 on LE to $300 on initial CD 8/9 and Transfer taxes- went from $6000 on LE to $7643.64 on 8/9 cd - Due Diligence Vendor-08/18/2022 | Ready for Review-Document Uploaded. Please see attached All COC LE and CDs. <br>Transfer tax were combined into 1 fee - the fee is less then was disclosed initially <br> - Seller-08/19/2022<br>| Resolved-COC and disclosure received. - Due Diligence Vendor-08/22/2022<br>|  |  | [redacted]_All COC LEs and COC CDs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 609757 |
| XXXXXXX_2023-NQM1-145 |  | C A | Closed | finding-3632 | 2022-08-18 08:41 | 2022-08-22 10:51 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC and disclosure received. - Due Diligence Vendor-08/22/2022 <br>Ready for Review-Document Uploaded. Please see attached All COC LE and CDs. <br>Transfer tax were combined into 1 fee - the fee is less then was disclosed initially <br> - Seller-08/19/2022 <br>Ready for Review-Document Uploaded. Please see attached All COC LE and CDs. <br>Transfer tax were combined into 1 fee - the fee is less then was disclosed initially <br> - Seller-08/19/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/18/2022 | Ready for Review-Document Uploaded. Please see attached All COC LE and CDs. <br>Transfer tax were combined into 1 fee - the fee is less then was disclosed initially <br> - Seller-08/19/2022 <br>Ready for Review-Document Uploaded. Please see attached All COC LE and CDs. <br>Transfer tax were combined into 1 fee - the fee is less then was disclosed initially <br> - Seller-08/19/2022<br>| Resolved-COC and disclosure received. - Due Diligence Vendor-08/22/2022<br>|  |  | [redacted]_All COC LEs and COC CDs.pdf<br> [redacted]_All COC LEs and COC CDs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 609758 |
| XXXXXXX_2023-NQM1-146 |  | C A | Closed | finding-3634 | 2022-08-18 08:41 | 2022-08-22 10:51 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC and disclosure received. - Due Diligence Vendor-08/22/2022 <br>Ready for Review-Document Uploaded. Please see attached All COC LE and CDs. <br>Transfer tax were combined into 1 fee - the fee is less then was disclosed initially <br> - Seller-08/19/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $3,755.02.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). missing COCs for Discount points. went from $0 to $2011.38 on initial CD 8/9, Re-inspection fee went from $200 on LE to $300 on initial CD 8/9 and Transfer taxes- went from $6000 on LE to $7643.64 on 8/9 cd - Due Diligence Vendor-08/18/2022 | Ready for Review-Document Uploaded. Please see attached All COC LE and CDs. <br>Transfer tax were combined into 1 fee - the fee is less then was disclosed initially <br> - Seller-08/19/2022<br>| Resolved-COC and disclosure received. - Due Diligence Vendor-08/22/2022<br>|  |  | [redacted]_All COC LEs and COC CDs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 609760 |
| XXXXXXX_2023-NQM1-147 |  | C B A | Closed | FCRE1167 | 2022-08-25 11:31 | 2022-09-01 11:37 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-lender addressed - Due Diligence Vendor-09/01/2022 <br>Ready for Review-policy states replacement cost. RCE not required. - Seller-08/31/2022 <br>Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $250000 is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided Hazard Policy (page 711) for $250,000 and no replacement cost estimator located in File Data - Due Diligence Vendor-08/25/2022 | Ready for Review-policy states replacement cost. RCE not required. - Seller-08/31/2022<br>| Resolved-lender addressed - Due Diligence Vendor-09/01/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 622013 |
| XXXXXXX_2023-NQM1-148 |  | C B A | Closed | FVAL9739 | 2022-08-25 12:28 | 2022-08-25 12:29 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Document Uploaded. Exception requested (page 751-752) for XXX acres from the Appraisal (page 398) which is the last condition on loan file. Approved with conditions to + 1 in price with 65% LTV max and Rural pricing. - Due Diligence Vendor-08/25/2022 |  | Waived-Document Uploaded. Exception requested (page 751-752) for XXXXXX acres from the Appraisal (page 398) which is the last condition on loan file. Approved with conditions to + 1 in price with 65% LTV max and Rural pricing. - Due Diligence Vendor-08/25/2022<br>|  | Experienced investor with 2+ investment properties, Credit score >40% than minimum required, Revolving debt is under 30%, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months | [redacted]_EXCEPTION Appraisal Acreage.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 622225 |
| XXXXXXX_2023-NQM1-149 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-150 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-151 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-152 |  | B A | Closed | FCRE3931 | 2022-08-30 04:52 | 2022-08-31 10:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 1 | Waived-Credit score Exception . Score is 684 - Due Diligence Vendor-08/31/2022 |  | Waived-Credit score Exception . Score is 684 - Due Diligence Vendor-08/31/2022<br>|  | No credit events past 48 months, Revolving debt is under 30%<br>Found [redacted] in pg 309 states exception as Revolving debt is under 30%, 5 years on current job, Residual income >=$3000, DTI >=10% lower than loan program,10 years or more in same line of employment, No credit events past 48 months, Borrower contribution exceeds<br> requirement >=5% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 626928 |
| XXXXXXX_2023-NQM1-153 |  | B A | Closed | FCRE9806 | 2022-08-30 11:39 | 2022-09-01 08:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding | Waived-Found [redacted] form in the file pg 433 Exception statese ,the borrower had a forbearance done . Need Exception for forbearance done to lower the rate(Loan modifications for[redacted]and T[redacted] due to covid19. the borrower never paid mortgage late, just did the forbearance to lower the rate and the compensating factors are Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, CLTV 10% below maximum, No consumer late payments in last 48 months, No mortgage late payments in last 24 months<br> - Due Diligence Vendor-09/01/2022 |  | Waived-Found [redacted] Exceptions form in the file pg 433 Exception statese ,the borrower had a forbearance done . Need Exception for forbearance done to lower the rate(Loan modifications for [redacted] and [redacted] due to covid19. the borrower never paid mortgage late, just did the forbearance to lower the rate and the compensating factors are Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, CLTV 10% below maximum, No consumer late payments in last 48 months, No mortgage late payments in last 24 months<br> - Due Diligence Vendor-09/01/2022 |  | Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, CLTV 10% below maximum, No consumer late payments in last 48 months, No mortgage late payments in last 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 627939 |
| XXXXXXX_2023-NQM1-154 |  | C B A | Closed | FCRE5802 | 2022-08-22 08:51 | 2022-08-30 13:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived-Loan short reserve requirement of 3 months - Due Diligence Vendor-08/30/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/29/2022 <br>Counter-gift already accounted for. - Due Diligence Vendor-08/26/2022 <br>Ready for Review-Document Uploaded. TD trade account from 06/10 to 08/03 - #1794 - Seller-08/25/2022 <br>Counter-Disagree. Asset for gift cannot be counted twice (he used as asset so we cannot use to reduce amount due at closing as the CD has reflected). If we add asset back, we have to remove from assets verified and we are left with the same amount short. - Due Diligence Vendor-08/25/2022 <br>Ready for Review-Document Uploaded. Please see additional assets - Seller-08/24/2022 <br>Counter-Gross amount from borrower is $151053.17 PLUS gift Gift under OTHER CREDITS of $52500. In order to count the gift funds we have to add the amount to the cash from borrower, otherwise it counts it twice. if we use the bottom line amount of $151053 then we cannot include the gift as an asset since it was netted. EIther way it is short. Now, the gift letter stated $100k so if additional gift funds were sent direct to borrower, provide evidence the rest was sent and we can add those funds in. - Due Diligence Vendor-08/23/2022 <br>Counter-We have to include the gift wired in at close as part of cash to close from borrower. The borrowers responsibility for cash to close we consider is the gross amount. The gift was counted as an asset and therefore we cannot net from cash to close or it would count it twice. Finding is valid. - Due Diligence Vendor-08/23/2022 <br>Ready for Review-Document Uploaded. Per final CD, cash to close is not $203k but $151k - Seller-08/23/2022 <br>Open-Verified assets $211,623.07, cash to close is $203,253.17 ($52,200 is gift funds), 3 months reserves required equal to $16,839.51, borrower is hence short $$8,469.62 to meet reserve requirement. - Due Diligence Vendor-08/22/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-08/29/2022 <br>Ready for Review-Document Uploaded. TD trade account from 06/10 to 08/03 - #1794 - Seller-08/25/2022 <br>Ready for Review-Document Uploaded. Please see additional assets - Seller-08/24/2022 <br>Ready for Review-Document Uploaded. Per final CD, cash to close is not $203k but $151k - Seller-08/23/2022<br>| Waived-Loan short reserve requirement of 3 months - Due Diligence Vendor-08/30/2022<br>|  | Mid fico 741, No negative credit events in past 24 months, 75% ltv | cash to close.pdf<br> [redacted]2022-07-31.pdf<br> Asset Documents.pdf<br> Verification of Deposit.pdf<br> [redacted] Scan.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 614513 |
| XXXXXXX_2023-NQM1-155 |  | C B A | Closed | FCRE3931 | 2022-08-22 08:31 | 2022-08-26 11:24 | Resolved | 1 - Information C A | Credit | Eligibility | Other Credit Finding 1 | Resolved-Document Uploaded. Copy of check received. - Due Diligence Vendor-08/26/2022 <br>Open-Please provide proof of transfer of funds to title for $100,000 gift. Gift letter states $100k and need proof of $52500 transfer at close and additional funds per gift transferred - Due Diligence Vendor-08/22/2022 |  | Resolved-Document Uploaded. Copy of check received. - Due Diligence Vendor-08/26/2022<br>|  |  | Check of [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 614431 |
| XXXXXXX_2023-NQM1-156 |  | C B A | Closed | FCRE9806 | 2022-08-22 08:29 | 2022-08-22 08:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding | Waived-Lender Granted Exception for DSCR for FTHB<br>See page 1506 - Due Diligence Vendor-08/22/2022 |  | Waived-Lender Granted Exception for DSCR for FTHB<br>See page 1506 - Due Diligence Vendor-08/22/2022<br>|  | Credit score >40% than minimum required, Revolving debt is under 30%, 5+ years credit history, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 614427 |
| XXXXXXX_2023-NQM1-157 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-158 |  | B A | Closed | FCRE3742 | 2022-08-31 07:42 | 2022-08-31 08:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan Amount does not meet eligibility requirement(s) | Waived-Exception Type : Material: Loan Amount<br> Short Description : loan below 100k<br> Comments : value came back at $91,000. loan at $591150. Will we do ? keeping ltv at 65%<br> Exception form at page #395 of 765<br> - Due Diligence Vendor-08/31/2022 |  | Waived-Exception Type : Material: Loan Amount<br> Short Description : loan below 100k<br> Comments : value came back at $91,000. loan at [redacted]. Will we do ? keeping ltv at 65%<br> Exception form at page #395 of 765<br> - Due Diligence Vendor-08/31/2022 |  | Experienced investor with 2+ investment properties, 5+ years credit history, No credit events past 48 months<br> page 395 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 629180 |
| XXXXXXX_2023-NQM1-159 |  | B A | Closed | FCRE1198 | 2022-08-29 09:27 | 2022-08-29 09:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Lender Exception page 446 to allow cash out for reserves. Initial App date was 07/18 - after G/L change. - Due Diligence Vendor-08/29/2022 |  | Waived-Lender Exception page 446 to allow cash out for reserves. Initial App date was 07/18 - after G/L change. - Due Diligence Vendor-08/29/2022<br>|  | Residual Income > $3,000, LTV 10% Below Maximum, No Credit Events past 48 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Second Home | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 625425 |
| XXXXXXX_2023-NQM1-160 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-161 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-162 |  | B A | Closed | FCRE1493 | 2022-08-29 18:07 | 2022-08-29 18:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Document Uploaded. Exception (379-380) for credit and new Investor with lack of trade lines -- only two tradelines (1) was Mortgage over 24 months history and Credit Card with 19 month history. A copy of the credit report (page 328) and contact for review to be taken into consideration. Approved with conditions to add 0.5 to the rate, 80% LTV max with minimum 3 year prepay penalty. - Due Diligence Vendor-08/30/2022 |  | Waived-Document Uploaded. Exception (379-380) for credit and new Investor with lack of trade lines -- only two tradelines (1) was Mortgage over 24 months history and Credit Card with 19 month history. A copy of the credit report (page 328) and contact for review to be taken into consideration. Approved with conditions to add 0.5 to the rate, 80% LTV max with minimum 3 year prepay penalty. - Due Diligence Vendor-08/30/2022<br>|  | Credit score >40% than minimum required, Revolving debt is under 30%, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months | [redacted]_EXCEPTION TRADELINES.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 626760 |
| XXXXXXX_2023-NQM1-163 |  | B A | Closed | FCRE1200 | 2022-08-29 17:57 | 2022-08-29 17:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Document Uploaded. Exception (page 572) for Loan Amount being less than $100,000. Loan is approved and Underwriting requesting exception for loan amount less than guidelines. Credit Report (page 328), purchase contract A(page 312) and appraisal (page 656) were provided. Credit decision was approved as is. - Due Diligence Vendor-08/29/2022 |  | Waived-Document Uploaded. Exception (page 572) for Loan Amount being less than $100,000. Loan is approved and Underwriting requesting exception for loan amount less than guidelines. Credit Report (page 328), purchase contract A(page 312) and appraisal (page 656) were provided. Credit decision was approved as is. - Due Diligence Vendor-08/29/2022<br>|  | No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months | [redacted]_EXCEPTION LOAN AMOUNT.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 626757 |
| XXXXXXX_2023-NQM1-164 |  | C B A | Closed | FCRE9991 | 2022-08-30 10:01 | 2022-09-06 08:12 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-DSCR is now updated - Due Diligence Vendor-09/06/2022 <br>Counter-Need updated lock to show DSCR less than 1. PITI is 2316 and 1007 is $1550. DSCR is .67 - Due Diligence Vendor-09/06/2022 <br>Ready for Review-Unable to locate tape discrepancy. Tape has loan program as DSCR, our LOS system states the same. Which field on the tape is incorrect? - Seller-09/01/2022 <br>Open-locked as DSCR but underwritten as 12 month bus. bank statement - Due Diligence Vendor-08/30/2022 | Ready for Review-Unable to locate tape discrepancy. Tape has loan program as DSCR, our LOS system states the same. Which field on the tape is incorrect? - Seller-09/01/2022<br>| Resolved-DSCR is now updated - Due Diligence Vendor-09/06/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 627619 |
| XXXXXXX_2023-NQM1-165 |  | C B A | Closed | FCRE9806 | 2022-08-30 10:02 | 2022-09-06 04:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Other Credit Finding | Waived-Didnt credit qualify member of LLC that has 25% or more ownership of the LLC that the loan closed in per guidelines. - Due Diligence Vendor-09/06/2022 <br> Ready for Review-Document Uploaded. Please see attached exception - Seller-09/02/2022 <br> Open-[redacted] is more than 25% owner and didnt credit qualify - Due Diligence Vendor-08/30/2022 | Ready for Review-Document Uploaded. Please see attached exception - Seller-09/02/2022<br>| Waived-Didnt credit qualify member of LLC that has 25% or more ownership of the LLC that the loan closed in per guidelines. - Due Diligence Vendor-09/06/2022<br>|  | Mid FICO 653 well above minimum requirement, XXXX est. more than 17 years, High Discretionary income | [redacted] Scan.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 627620 |
| XXXXXXX_2023-NQM1-166 |  | C B A | Closed | FVAL1039 | 2022-08-30 10:03 | 2022-08-31 14:45 | Resolved | 1 - Information A | Property | Value | Appraised value unsupported | Resolved-CU 1.5 received. - Due Diligence Vendor-08/31/2022 <br>Ready for Review-Document Uploaded. - Seller-08/31/2022 <br>Open-No CU score or AVM - Due Diligence Vendor-08/30/2022 | Ready for Review-Document Uploaded. - Seller-08/31/2022<br>| Resolved-CU 1.5 received. - Due Diligence Vendor-08/31/2022<br>|  | See attached | FNM_[redacted]_SSR.pdf<br> FRE_[redacted]_SSR.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 627621 |
| XXXXXXX_2023-NQM1-167 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-168 |  | C B A | Closed | FCRE8850 | 2022-09-01 02:32 | 2022-09-21 09:08 | Waived | 2 - Non-Material C B | Credit | Assets | Foreign National- bank/credit reference letter missing | Waived-Exception: Missing credit reference - Due Diligence Vendor-09/21/2022 <br> Ready for Review-Document Uploaded. Please review uploaded exception form - Seller-09/20/2022 <br> Counter-Borrower US accounts do not replace credit reference letter in current guidelines Need exception. - Due Diligence Vendor-09/13/2022 <br> Ready for Review-PEr [redacted] page 9 Foreign National doesn't require any trade lines, we have borrower credit report in file and borrower has bank accounts active in USA. Credit reference is not required. For closing and qualifying purposes borrower did not use foreign assets-all funds were from USA financial institutions. - Seller-09/08/2022 <br> Counter-Per discussion - guidelines still require credit reference if FN borrower - Due Diligence Vendor-09/07/2022 <br> Ready for Review-Borrower had assets in USA bank ,we do not need credit reference. - Seller-09/06/2022 <br> Open-Borrower is a Foreign national ,But we are missing with Bank/Credit Reference Letter is missing in file. - Due Diligence Vendor-09/01/2022 | Ready for Review-Document Uploaded. Please review uploaded exception form - Seller-09/20/2022 <br> Ready for Review-PEr [redacted] guide lines page 9 Foreign National doesn't require any trade lines, we have borrower credit report in file and borrower has bank accounts active in USA. Credit reference is not required. For closing and qualifying purposes borrower did not use foreign assets-all funds were from USA financial institutions. - Seller-09/08/2022 <br> Ready for Review-Borrower had assets in USA bank ,we do not need credit reference. - Seller-09/06/2022 | Waived-Exception: Missing credit reference - Due Diligence Vendor-09/21/2022<br>|  | Borrower has USA bank accounts, Reserves are >= 3 months greater than loan program, No credits events in 48 months | [redacted]_exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 630726 |
| XXXXXXX_2023-NQM1-169 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-170 |  | B A | Closed | FCRE1194 | 2022-09-07 09:21 | 2022-09-07 09:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Found [redacted] Exceptions on page 316 for LTV. dscr .974 - Due Diligence Vendor-09/07/2022 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Found [redacted] Exceptions on page 316 for LTV. dscr .974 - Due Diligence Vendor-09/07/2022<br>|  | Borrower contribution exceeds requirement >=5%, 2+ borrowers on the loan, Revolving debt is under 30%, 5+ years<br> credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 637444 |
| XXXXXXX_2023-NQM1-171 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-172 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-173 |  | B A | Closed | FCRE4866 | 2022-09-02 07:27 | 2022-09-02 07:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Original CLTV does not meet eligibility requirement(s) | Waived-Document Uploaded. Requesting 75% LTV for DSCR <1. When we submitted this file back on May 5th of 2022, file had 75% DSCR <1 available. Being that current lock expired due to borrower needing more funds to close, broker and borrower submitted second file currently in the system - [redacted], to use the funds from that file, to close on this one. If we are unable to accommodate file [redacted] with 75% LTV, we lose it, and in turn, we will lose file [redacted] as the purpose of that one was to help with [redacted]. Thanks in advance. Approved with Conditions: 75 LTV max + 1% hit to price, cannot buyup the rate. Min DSCR 0.8 is allowed. Just to clarify on the comments: cannot use funds to close from a property/mortgage that has not been closed yet.<br> - Due Diligence Vendor-09/02/2022 |  | Waived-Document Uploaded. Requesting 75% LTV for DSCR <1. When we submitted this file back on [redacted], file had 75% DSCR <1 available. Being that current lock expired due to borrower needing more funds to close, broker and borrower submitted second file currently in the system - [redacted], to use the funds from that file, to close on this one. If we are unable to accommodate file [redacted] with 75% LTV, we lose it, and in turn, we will lose file [redacted] as the purpose of that one was to help with [redacted]. Thanks in advance. Approved with Conditions: 75 LTV max + 1% hit to price, cannot buyup the rate. Min DSCR 0.8 is allowed. Just to clarify on the comments: cannot use funds to close from a property/mortgage that has not been closed yet.<br> - Due Diligence Vendor-09/02/2022<br>|  | Experienced investor with 2+ investment properties, Borrower contribution exceeds requirement >=5%, Credit score>40% than minimum required, No consumer late payments in last 48 months, 5+ years credit history, No mortgage<br> late payments in last 24 months, No credit events past 48 months | [redacted]_[redacted] 75 LTV with DSCR less than 1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 632631 |
| XXXXXXX_2023-NQM1-174 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-175 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-176 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-177 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-178 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-179 |  | B A | Closed | FCRE1194 | 2022-09-07 09:08 | 2022-09-07 09:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% Loan is approved, requesting exception on LTV for bank statement loan. Fico is 695 with LTV of<br> 80%. We are requesting LTV of 85% to close on this loan. Borrower will need higher LTV for closing<br> and reserve requirement. Please approve as there are limited liabilities with low DTI for this<br> borrower - Due Diligence Vendor-09/07/2022 |  | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% Loan is approved, requesting exception on LTV for bank statement loan. Fico is 695 with LTV of<br> 80%. We are requesting LTV of 85% to close on this loan. Borrower will need higher LTV for closing<br> and reserve requirement. Please approve as there are limited liabilities with low DTI for this<br> borrower - Due Diligence Vendor-09/07/2022<br>|  | Revolving debt is under 30%, DTI >=10% lower than loan program, 10 years or more in same line of employment, No<br> credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history<br> Page 48 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 637407 |
| XXXXXXX_2023-NQM1-180 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-181 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-182 |  | C A | Closed | FCRE1491 | 2022-09-12 15:39 | 2022-09-19 10:20 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements VOD received clears findings - Due Diligence Vendor-09/19/2022 <br>Ready for Review-Document Uploaded. - Seller-09/16/2022 <br>Open-Asset Qualification Does Not Meet Guideline Requirements 3 months reserves requirement $4,163.61 but proof is missing. Please provide most 60 days bank statements to support reserves needed - Due Diligence Vendor-09/12/2022 | Ready for Review-Document Uploaded. - Seller-09/16/2022<br>| Resolved-Asset Qualification Meets Guideline Requirements VOD received clears findings - Due Diligence Vendor-09/19/2022<br>|  |  | [redacted]_vod.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 647968 |
| XXXXXXX_2023-NQM1-183 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-184 |  | D A | Closed | FCRE8728 | 2022-09-09 06:50 | 2022-11-14 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved-Received pay history - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Payment history provided - Seller-11/08/2022 <br>Open-Shellpoint mortgage paid off at close and no pay history in file - Due Diligence Vendor-09/09/2022 | Ready for Review-Document Uploaded. Payment history provided - Seller-11/08/2022<br>| Resolved-Received pay history - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted]_VOM and Payment History.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 641662 |
| XXXXXXX_2023-NQM1-185 |  | D A | Closed | FCRE1182 | 2022-09-09 06:49 | 2022-09-27 10:36 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-received - Due Diligence Vendor-09/27/2022 <br>Ready for Review-Document Uploaded. - Seller-09/26/2022 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-09/09/2022 | Ready for Review-Document Uploaded. - Seller-09/26/2022<br>| Resolved-received - Due Diligence Vendor-09/27/2022<br>|  |  | [redacted]_Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 641660 |
| XXXXXXX_2023-NQM1-186 |  | C A | Closed | finding-555 | 2022-09-14 12:44 | 2022-11-29 16:25 | Resolved | 1 - Information C A | Compliance | Points & Fees | MD Credit Regulations Covered Loan Points and Fees Threshold Test | Resolved-Lender issued refund of $159 in good faith to resolve fee tolerance issue. finding is resolved. - Due Diligence Vendor-11/29/2022 <br>Ready for Review-Document Uploaded. see attached check - Seller-11/21/2022 <br>Ready for Review-Document Uploaded. Attached is the PCCD reflecting a $159 credit under line J for the over stated fee/check will be attached when available - Seller-11/16/2022 <br>Counter-The documents provided show clear Federal Test. This is Maryland specific and is a HPML Fee violation. Fees cannot exceed 4% of the net loan amount. The net loan amount not including finance charges is $121,050.84 so 4% is max Fees of 4842.034. Fees are overstated by $159.00. - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/12/2022 <br>Open-This loan failed the points and fees threshold test due to one of the following findings: (MD HB 649 , Md. Code Ann., Com. Law §12-124.1(a)(2))The latest available closing date (or date creditor received application) is on or after 6/24/2003 and the date creditor received application is before 1/10/2014, and the total points and fees, as defined in HOEPA (Section 32), payable by the consumer at or before loan closing exceed the greater of 7% of the total loan amount, as defined in HOEPA (Section 32), or $632.00; orThe date creditor received application is on or after 1/10/2014, and either:The loan amount is $22,969.00 or more, and the transaction's total points and fees is $5,001.00, which exceeds 4 percent of the total loan amount of $121,050.84; orThe loan amount is less than $22,969.00 and the transaction's total points and fees is $5,001.00, which exceeds the lesser of 7 percent of the total loan amount of $121,050.84 or $1,148.00. - Due Diligence Vendor-09/14/2022 | Ready for Review-Document Uploaded. see attached check - Seller-11/21/2022 <br>Ready for Review-Document Uploaded. Attached is the PCCD reflecting a $159 credit under line J for the over stated fee/check will be attached when available - Seller-11/16/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/12/2022<br>| Resolved-Lender issued refund of $159 in good faith to resolve fee tolerance issue. finding is resolved. - Due Diligence Vendor-11/29/2022<br>|  |  | points and fees test.pdf<br>high cost worksheet.pdf<br>PCCD.pdf<br>BRN30055C13ECAC_009491.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 651744 |
| XXXXXXX_2023-NQM1-187 |  | C A | Closed | finding-2623 | 2022-09-14 12:44 | 2022-11-29 16:25 | Resolved | 1 - Information C A | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | Resolved-Lender issued refund of $159 in good faith to resolve fee tolerance issue. finding is resolved. - Due Diligence Vendor-11/29/2022 <br>Ready for Review-Document Uploaded. see attached check - Seller-11/21/2022 <br>Ready for Review-Document Uploaded. Attached is the PCCD reflecting a $159 credit under line J for the over stated fee/check will be attached when available - Seller-11/16/2022 <br>Counter-The documents provided show clear Federal Test. This is Maryland specific and is a HPML Fee violation. Fees cannot exceed 4% of the net loan amount. The net loan amount not including finance charges is $121,050.84 so 4% is max Fees of 4842.034. Fees are overstated by $159.00. - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/12/2022 <br>Open-This loan failed the MD COMAR higher-priced mortgage loan test. (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6)) <br> Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR).<br>While the Maryland COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-09/14/2022 | Ready for Review-Document Uploaded. see attached check - Seller-11/21/2022 <br>Ready for Review-Document Uploaded. Attached is the PCCD reflecting a $159 credit under line J for the over stated fee/check will be attached when available - Seller-11/16/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/12/2022<br>| Resolved-Lender issued refund of $159 in good faith to resolve fee tolerance issue. finding is resolved. - Due Diligence Vendor-11/29/2022<br>|  |  | points and fees test.pdf<br>high cost worksheet.pdf<br>PCCD.pdf<br>BRN30055C13ECAC_009491.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 651747 |
| XXXXXXX_2023-NQM1-188 |  | C A | Closed | finding-3517 | 2022-09-14 13:06 | 2022-10-17 11:13 | Resolved | 1 - Information C A | Compliance | TRID | Written List of Service Providers Disclosure Date Test | Resolved-received the WSP List - Due Diligence Vendor-10/17/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/12/2022 <br>Open-Written List of service provider missing in file. - Due Diligence Vendor-09/14/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-10/12/2022<br>| Resolved-received the WSP List - Due Diligence Vendor-10/17/2022<br>|  |  | SPL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 651827 |
| XXXXXXX_2023-NQM1-189 |  | C B A | Closed | FCRE8850 | 2022-09-15 07:08 | 2022-09-29 15:10 | Resolved | 1 - Information C A | Credit | Assets | Foreign National- bank/credit reference letter missing | Resolved-Bank letter clears findings - Due Diligence Vendor-09/29/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/27/2022 <br>Open-Foreign National Loan we require bank/ credit reference letter. - Due Diligence Vendor-09/15/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-09/27/2022<br>| Resolved-Bank letter clears findings - Due Diligence Vendor-09/29/2022<br>|  |  | Bank letter.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 652470 |
| XXXXXXX_2023-NQM1-190 |  | C B A | Closed | FCRE9806 | 2022-09-13 09:39 | 2022-09-13 09:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding | Waived-Found [redacted]Form pg no: 95 where the exception states an appraisal and 1004D transferred a appraisal value is Subject to - 1004D form required & b) Per guidelines Transferred Appraisal and Subject to are not accepted. Management Exception is required. Residual Income>=$3000,DTI>=10% lower than loan program, 10 years or more in same line of employment. - Due Diligence Vendor-09/13/2022 |  | Waived-Found [redacted] pg no: 95 where the exception states an appraisal and 1004D transferred a appraisal value is Subject to - 1004D form required & b) Per guidelines Transferred Appraisal and Subject to are not accepted. Management Exception is required. Residual Income>=$3000,DTI>=10% lower than loan program, 10 years or more in same line of employment. - Due Diligence Vendor-09/13/2022<br>|  | Residual Income>=$3000,DTI>=10% lower than loan program, 10 years or more in same line of employment. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 649173 |
| XXXXXXX_2023-NQM1-191 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-192 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXXXXX_2023-NQM1-193 |  | B A | Closed | FVAL1039 | 2022-09-14 11:18 | 2022-09-20 13:26 | Resolved | 1 - Information A | Property | Value | Appraised value unsupported | Resolved-AVM received and supports value - Due Diligence Vendor-09/20/2022 <br>Ready for Review-Document Uploaded. The AVM report has been uploaded - Seller-09/19/2022 <br>Open-AVM Document is missing in the file. CU score is greater than 2.5. - Due Diligence Vendor-09/14/2022 | Ready for Review-Document Uploaded. The AVM report has been uploaded - Seller-09/19/2022<br>| Resolved-AVM received and supports value - Due Diligence Vendor-09/20/2022<br>|  |  | [redacted]_AVM.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 651503 |
| XXXXXXX_2023-NQM1-194 |  | B A | Closed | FCRE1200 | 2022-09-14 05:24 | 2022-09-14 10:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $61500 is less than the Guideline Minimum Loan Amount of $100000 Found [redacted] pg no: 605 where the exception states an Loan Amount ,Now we sent the loan to [redacted]. Need to update loan number for exception, & Credit score >40% than minimum required, 2+ borrowers on the loan, No consumer late payments in last 48 months,<br> No mortgage late payments in last 24 months, No credit events past 48 months.<br>- Due Diligence Vendor-09/14/2022 |  | Waived-Audited Loan Amount of [redacted] is less than the Guideline Minimum Loan Amount of $100000 Found [redacted] pg no: 605 where the exception states an Loan Amount ,Now we sent the loan to [redacted]. Need to update loan number for exception, & Credit score >40% than minimum required, 2+ borrowers on the loan, No consumer late payments in last 48 months,<br> No mortgage late payments in last 24 months, No credit events past 48 months.<br>- Due Diligence Vendor-09/14/2022 |  | Credit score >40% than minimum required, 2+ borrowers on the loan, No consumer late payments in last 48 months,<br> No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 650702 |
| XXXXXXX_2023-NQM1-195 |  | D A | Closed | FCOM1208 | 2022-10-11 11:07 | 2022-10-24 15:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-10/24/2022 <br>Resolved-Received pre payment penalty corrected rider - Due Diligence Vendor-10/24/2022 <br>Ready for Review-Document Uploaded. - Seller-10/19/2022 <br>Open-prepayment penalty term is blank. - Due Diligence Vendor-10/11/2022 | Ready for Review-Document Uploaded. - Seller-10/19/2022<br>| Resolved-The Note is Present - Due Diligence Vendor-10/24/2022 <br>Resolved-Received pre payment penalty corrected rider - Due Diligence Vendor-10/24/2022<br>|  |  | [redacted] pp note with terms.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 688010 |
| XXXXXXX_2023-NQM1-196 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-197 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-198 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-199 |  | B A | Closed | FCRE1200 | 2022-09-15 17:27 | 2022-09-15 17:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Document Uploaded. Exception (page 256-257) Loan Amount less than Guidelines. Exception request for DSCR loan amount less than 100k. Great candidate for DSCR high fico low loan amount. Attached is a copy of credit (page 223) and contract (page 202) for review. Approved with conditions to add 0.25 in PRICE - Due Diligence Vendor-09/15/2022 |  | Waived-Document Uploaded. Exception (page 256-257) Loan Amount less than Guidelines. Exception request for DSCR loan amount less than 100k. Great candidate for DSCR high fico low loan amount. Attached is a copy of credit (page 223) and contract (page 202) for review. Approved with conditions to add 0.25 in PRICE - Due Diligence Vendor-09/15/2022<br>|  | Credit score >40% than minimum required, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months | [redacted]_EXCEPTION Loan Amount Less than Guidelines.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 654157 |
| XXXXXXX_2023-NQM1-200 |  | C B A | Closed | FCRE1501 | 2022-09-21 16:44 | 2022-11-10 14:58 | Waived | 2 - Non-Material A B | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Exception :Shortage of assets of $370,462.16 to cover reserves requirement. - Due Diligence Vendor-11/10/2022 <br>Ready for Review-Document Uploaded. Updated exception form is uploaded. please clear this condition, thank you! - Seller-11/10/2022 <br>Ready for Review-Document Uploaded. Exception is uploaded, please clear this condition, thank you! - Seller-11/10/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $25580.2 is less than Total Required Reserve Amount of $396042.36 Total Qualified Assets for Reserves Post-Close of $25,580.2 is less than Total Required Reserve Amount of $396,042.36. Need additional assets of $370,462.16 to cover reserves requirement. - Due Diligence Vendor-09/21/2022 | Ready for Review-Document Uploaded. Updated exception form is uploaded. please clear this condition, thank you! - Seller-11/10/2022 <br>Ready for Review-Document Uploaded. Exception is uploaded, please clear this condition, thank you! - Seller-11/10/2022<br>| Waived-Exception :Shortage of assets of $370,462.16 to cover reserves requirement. - Due Diligence Vendor-11/10/2022<br>|  | 58% LTV; no MTG late payments; owns primary home for over 5 years | ExceptionAssets.pdf<br>ExceptionReserve.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - >2% of Loan Amount or $2000 | Originator Post-Close | Yes | 660960 |
| XXXXXXX_2023-NQM1-201 |  | C B A | Closed | FCRE1491 | 2022-09-21 16:44 | 2022-11-03 16:01 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Exception Two month of bank statement is missing - Due Diligence Vendor-11/03/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-11/03/2022 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Only one month of Assets (December 2020) is available on file. Need recent two month of bank statement for Chase #0037 - Due Diligence Vendor-09/21/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-11/03/2022<br>| Waived-Exception Two month of bank statement is missing - Due Diligence Vendor-11/03/2022<br>|  | 58% LTV; no MTG late payments; owns primary home for over 5 years | ExceptionAssets.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - >2% of Loan Amount or $2000 | Originator Post-Close | Yes | 660959 |
| XXXXXXX_2023-NQM1-202 |  | C B A | Closed | FPRO1245 | 2022-09-20 11:03 | 2022-11-01 09:20 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-REceived evidence of current appraisal - Due Diligence Vendor-10/07/2022 <br>Ready for Review-Document Uploaded. Please see attachment, the appraisal is dated XXXXXX - Seller-10/06/2022 <br>Open-Primary Value Appraisal is Expired - Due Diligence Vendor-09/20/2022 | Ready for Review-Document Uploaded. Please see attachment, the appraisal is dated XXXXXXXXXX - Seller-10/06/2022<br>| Resolved-REceived evidence of current appraisal - Due Diligence Vendor-10/07/2022<br>|  |  | Appraisal date from XXXXXXXXXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 658712 |
| XXXXXXX_2023-NQM1-203 |  | C B A | Closed | FVAL9739 | 2022-09-20 12:22 | 2022-10-20 13:43 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received AVM commercial - Due Diligence Vendor-10/20/2022 <br>Ready for Review-Document Uploaded. Uploaded. Please clear this condition, thank you - Seller-10/18/2022 <br>Open-UCDP SSR document missing in file or value support. <br> - Due Diligence Vendor-09/20/2022 | Ready for Review-Document Uploaded. Uploaded. Please clear this condition, thank you - Seller-10/18/2022<br>| Resolved-Received AVM commercial - Due Diligence Vendor-10/20/2022<br>|  |  | [redacted] Comm AVM.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 658929 |
| XXXXXXX_2023-NQM1-204 |  | C B A | Closed | FCRE1491 | 2022-09-20 11:18 | 2022-10-17 11:16 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-waiver provided for missing assets - Due Diligence Vendor-10/17/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-10/14/2022 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Please provide the recent 2 months bank statement to meet the Qualified Reserves for 3 months $7,493.40 plus cash from borrower of $1068.22 for a total of assets to verified of $8561.63 - Due Diligence Vendor-09/20/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-10/14/2022<br>| Waived-waiver provided for missing assets - Due Diligence Vendor-10/17/2022<br>|  | 27% LTV; 5+ credit history; Credit score >40 points than minimum required | Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 658765 |
| XXXXXXX_2023-NQM1-205 |  | C B A | Closed | FCRE9549 | 2022-09-29 10:40 | 2022-10-03 12:14 | Resolved | 1 - Information A | Credit | Missing Doc | Missing Credit Report Supplement | Resolved-PCCR received. - Due Diligence Vendor-10/03/2022 <br>Ready for Review-Document Uploaded. - Seller-09/30/2022 <br>Open-Credit report is dated 7/2021 and no updated report found. This is over 12 months aged. - Due Diligence Vendor-09/29/2022 | Ready for Review-Document Uploaded. - Seller-09/30/2022<br>| Resolved-PCCR received. - Due Diligence Vendor-10/03/2022<br>|  |  | [redacted] Credit report XXXXXXXXXXXXXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 670618 |
| XXXXXXX_2023-NQM1-206 |  | D A C | Closed | FVAL1039 | 2022-09-26 16:16 | 2022-10-14 09:25 | Resolved | 1 - Information A | Property | Value | Appraised value unsupported | Resolved-CDA received and supports value - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. CDA is uploaded. Thank you - Seller-10/11/2022 <br>Counter-New AVM has conf score of 89 must be above 90 - Due Diligence Vendor-10/05/2022 <br>Ready for Review-Document Uploaded. The document is uploaded. Thank you - Seller-10/04/2022 <br>Counter-AVM received does not support value Conf score of 63 - Due Diligence Vendor-09/30/2022 <br>Ready for Review-Document Uploaded. The document is uploaded. Please, clear this condition. Thank you - Seller-09/29/2022 <br>Open-Provide SSR UCDP documents or value support - Due Diligence Vendor-09/26/2022 | Ready for Review-Document Uploaded. CDA is uploaded. Thank you - Seller-10/11/2022 <br>Ready for Review-Document Uploaded. The document is uploaded. Thank you - Seller-10/04/2022 <br>Ready for Review-Document Uploaded. The document is uploaded. Please, clear this condition. Thank you - Seller-09/29/2022<br>| Resolved-CDA received and supports value - Due Diligence Vendor-10/14/2022<br>|  |  | [redacted]AVM.pdf<br> [redacted] EvaluationReport [redacted].pdf<br> [redacted] CDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 666314 |
| XXXXXXX_2023-NQM1-207 |  | D A C | Closed | FCOM8804 | 2022-09-26 16:17 | 2022-10-07 08:39 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-Received business purpose aff - Due Diligence Vendor-10/07/2022 <br>Ready for Review-Document Uploaded. Please see attached BPA - Seller-10/06/2022 <br>Open-Business Purpose - Due Diligence Vendor-09/26/2022 | Ready for Review-Document Uploaded. Please see attached BPA - Seller-10/06/2022<br>| Resolved-Received business purpose aff - Due Diligence Vendor-10/07/2022<br>|  |  | [redacted] Business purpose aff.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 666315 |
| XXXXXXX_2023-NQM1-208 |  | D A C | Closed | FCRE1728 | 2022-09-21 11:58 | 2022-10-07 08:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Received a rent range that clears finding - Due Diligence Vendor-10/07/2022 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/06/2022 <br>Open-Provide form 1007 to calculate subject property rent income. - Due Diligence Vendor-09/21/2022 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/06/2022<br>| Resolved-Received a rent range that clears finding - Due Diligence Vendor-10/07/2022<br>|  |  | shdp_report-14550950.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 660486 |
| XXXXXXX_2023-NQM1-209 |  | D A C | Closed | FCRE1201 | 2022-09-21 10:57 | 2022-10-07 08:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/07/2022 <br>Resolved-Received the fraud report - Due Diligence Vendor-10/07/2022 <br>Ready for Review-Document Uploaded. please see attached, a fraud report - Seller-10/06/2022 <br>Open-Missing Third Party Fraud Report Provide third party fraud report - Due Diligence Vendor-09/21/2022 | Ready for Review-Document Uploaded. please see attached, a fraud report - Seller-10/06/2022<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/07/2022 <br>Resolved-Received the fraud report - Due Diligence Vendor-10/07/2022<br>|  |  | ScoringHistoryPDFGenerator.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 660320 |
| XXXXXXX_2023-NQM1-210 |  | D A C | Closed | FCOM3571 | 2022-09-21 11:57 | 2022-10-04 11:43 | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | Resolved-Executed hud received - Due Diligence Vendor-10/04/2022 <br>Ready for Review-Document Uploaded. The document is uploaded. Please, clear this condition. Thank you! - Seller-10/03/2022 <br>Open-Borrower signature is missing on Final HUD 1 document. - Due Diligence Vendor-09/21/2022 | Ready for Review-Document Uploaded. The document is uploaded. Please, clear this condition. Thank you! - Seller-10/03/2022<br>| Resolved-Executed hud received - Due Diligence Vendor-10/04/2022<br>|  |  | [redacted] HUD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 660485 |
| XXXXXXX_2023-NQM1-211 |  | D B A | Closed | FCRE1501 | 2022-09-21 11:12 | 2022-11-09 14:46 | Waived | 2 - Non-Material A B | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-waiver provided for insufficient funds for reserves. - Due Diligence Vendor-11/09/2022 <br>Ready for Review-Document Uploaded. Exception is uploaded, please clear this condition, thank you! - Seller-11/09/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $3119.51 is less than Total Required Reserve Amount of $5760.9 - Due Diligence Vendor-09/21/2022 | Ready for Review-Document Uploaded. Exception is uploaded, please clear this condition, thank you! - Seller-11/09/2022<br>| Waived-waiver provided for insufficient funds for reserves. - Due Diligence Vendor-11/09/2022<br>|  | 5+ years of credit history; new LTV 62%; 5 years on a current job | ExceptionAssets [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 660358 |
| XXXXXXX_2023-NQM1-212 |  | D B A | Closed | FCRE1180 | 2022-09-21 10:40 | 2022-10-20 13:46 | Waived | 2 - Non-Material D B | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Waived-Exception granted for missing ho6 - Due Diligence Vendor-10/20/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded. Please clear this condition, thank you! - Seller-10/20/2022 <br>Open-HO-6 Insurance Policy is Missing Missing HO-6 Policy on file - Due Diligence Vendor-09/21/2022 | Ready for Review-Document Uploaded. Exception form is uploaded. Please clear this condition, thank you! - Seller-10/20/2022<br>| Waived-Exception granted for missing ho6 - Due Diligence Vendor-10/20/2022<br>|  | 5+ years of credit history; new LTV 62%; 5 years on a current job | BPO [redacted].pdf<br>Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 660279 |
| XXXXXXX_2023-NQM1-213 |  | D B A | Closed | FVAL4940 | 2022-09-21 11:24 | 2022-10-20 13:45 | Waived | 2 - Non-Material D B | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Waived-Exception for missing Condo questionaire - Due Diligence Vendor-10/20/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded. Please clear this condition, thank you! - Seller-10/20/2022 <br>Open-Missing Condo HOA Questionnaire - Due Diligence Vendor-09/21/2022 | Ready for Review-Document Uploaded. Exception form is uploaded. Please clear this condition, thank you! - Seller-10/20/2022<br>| Waived-Exception for missing Condo questionaire - Due Diligence Vendor-10/20/2022<br>|  | 5+ years of credit history; new LTV 62%; 5 years on a current job | Exception - Questionnaire.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 660390 |
| XXXXXXX_2023-NQM1-214 |  | D B A | Closed | FCOM8804 | 2022-09-26 15:47 | 2022-10-11 10:13 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-Received business purpose - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. The document is uploaded. Please, clear this condition. Thank you! - Seller-10/07/2022 <br>Open-Business Purpose missing - Due Diligence Vendor-09/26/2022 | Ready for Review-Document Uploaded. The document is uploaded. Please, clear this condition. Thank you! - Seller-10/07/2022<br>| Resolved-Received business purpose - Due Diligence Vendor-10/11/2022<br>|  |  | [redacted] Business Purpose Affidavit.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 666278 |
| XXXXXXX_2023-NQM1-215 |  | D B A | Closed | FCOM4028 | 2022-09-21 08:23 | 2022-09-30 09:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-09/30/2022 <br>Resolved-Received recorded mortgage - Due Diligence Vendor-09/30/2022 <br>Ready for Review-Document Uploaded. The recorded mortgage is uploaded. Please, clear this condition. Thank you - Seller-09/29/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/21/2022 | Ready for Review-Document Uploaded. The recorded mortgage is uploaded. Please, clear this condition. Thank you - Seller-09/29/2022<br>| Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-09/30/2022 <br>Resolved-Received recorded mortgage - Due Diligence Vendor-09/30/2022<br>|  |  | [redacted] Mortgage REC.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 659955 |
| XXXXXXX_2023-NQM1-216 |  | D B A | Closed | FVAL1310 | 2022-09-20 16:01 | 2022-10-18 10:06 | Waived | 2 - Non-Material D B | Property | Missing Doc | Missing HOA/Condo Certification | Waived-waiver for no condo questionnaire - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-10/17/2022 <br>Open-Missing Condo Questioner in the file - Due Diligence Vendor-09/20/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-10/17/2022<br>| Waived-waiver for no condo questionnaire - Due Diligence Vendor-10/18/2022<br>|  | 2 borrowers on the loan; 10+ years in the same line of employment; new LTV 59%; Reserves $35,997.76 | Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 659442 |
| XXXXXXX_2023-NQM1-217 |  | D B A | Closed | FCRE1491 | 2022-09-20 15:24 | 2022-10-18 10:05 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-waiver received for missing 1 month asset statement. - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-10/17/2022 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Requirement is of 60 days account assets however, only provided 30 days BOA statement. Please provide an additional 30 days of BOA statement ending with account#0106. - Due Diligence Vendor-09/20/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-10/17/2022<br>| Waived-waiver received for missing 1 month asset statement. - Due Diligence Vendor-10/18/2022<br>|  | 2 borrowers on the loan; 10+ years in the same line of employment; new LTV 59%; Reserves $35,997.76 | ExceptionAssets.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 659366 |
| XXXXXXX_2023-NQM1-218 |  | D B A | Closed | FCRE9994 | 2022-09-20 16:02 | 2022-10-18 10:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Waived-Waiver received for LTV exceeds max due to DSCR score below 1 - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. AVM report (confidence score is 93) reflects value $208,000.00 . New LTV is 59%. Please clear this condition, thank you! - Seller-10/17/2022 <br>Open-Guidelines LTV (70.00%) is not matching with Qualified LTV (75.00%). Max LTV is 70% for LTV below 1 as of Sept guidelines. - Due Diligence Vendor-09/20/2022 | Ready for Review-Document Uploaded. AVM report (confidence score is 93) reflects value $208,000.00 . New LTV is 59%. Please clear this condition, thank you! - Seller-10/17/2022<br>| Waived-Waiver received for LTV exceeds max due to DSCR score below 1 - Due Diligence Vendor-10/18/2022<br>|  | 2 borrowers on the loan; 10+ years in the same line of employment; new LTV 59%; Reserves $35,997.76 | VERO93 [redacted].pdf<br> ExceptionLTV.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 659445 |
| XXXXXXX_2023-NQM1-219 |  | D B A | Closed | FCRE1501 | 2022-09-20 15:24 | 2022-10-18 10:02 | Waived | 2 - Non-Material A B | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Waiver received for insufficient assets. - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-10/17/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $1448.02 is less than Total Required Reserve Amount of $28580.76 Total Reserves requirement $$28,580.76, available $$1,448.02, requirement with further 60 days account statement is for $27,132.74. - Due Diligence Vendor-09/20/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-10/17/2022<br>| Waived-Waiver received for insufficient assets. - Due Diligence Vendor-10/18/2022<br>|  | 2 borrowers on the loan; 10+ years in the same line of employment; new LTV 59% | ExceptionAssets.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 659368 |
| XXXXXXX_2023-NQM1-220 |  | D B A | Closed | FPRO1136 | 2022-09-20 15:06 | 2022-10-11 10:21 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-10/11/2022 <br>Resolved-Completion report received and clears finding - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. Please, see the document attached. Thank you! - Seller-10/07/2022 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis 1004D for smoke detectors is missing - Due Diligence Vendor-09/26/2022 | Ready for Review-Document Uploaded. Please, see the document attached. Thank you! - Seller-10/07/2022<br>| Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-10/11/2022 <br>Resolved-Completion report received and clears finding - Due Diligence Vendor-10/11/2022<br>|  |  | [redacted] Appraisal - completed report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 659320 |
| XXXXXXX_2023-NQM1-221 |  | D B A | Closed | FCOM8804 | 2022-09-26 15:31 | 2022-10-11 10:18 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-Received business purpose affidavit - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. The document is uploaded. Please, clear this condition. Thank you! - Seller-10/07/2022 <br>Open-Business Purpose Affidavit missing - Due Diligence Vendor-09/26/2022 | Ready for Review-Document Uploaded. The document is uploaded. Please, clear this condition. Thank you! - Seller-10/07/2022<br>| Resolved-Received business purpose affidavit - Due Diligence Vendor-10/11/2022<br>|  |  | [redacted] Affidavit of Occupancy.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 666252 |
| XXXXXXX_2023-NQM1-222 |  | D B A | Closed | FCRE1152 | 2022-09-20 14:40 | 2022-10-11 10:17 | Resolved | 1 - Information A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present Received tax info from attorney - Due Diligence Vendor-10/11/2022 <br>Rescinded-Missing Evidence of Property Tax Already for Tax one finding is open - Due Diligence Vendor-09/20/2022 |  | Resolved-Evidence of Property Tax is present Received tax info from attorney - Due Diligence Vendor-10/11/2022 <br>Rescinded-Missing Evidence of Property Tax Already for Tax one finding is open - Due Diligence Vendor-09/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 659241 |
| XXXXXXX_2023-NQM1-223 |  | D B A | Closed | FCRE1253 | 2022-09-20 14:40 | 2022-10-11 10:17 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. Please, see the documents attached. Thank you! - Seller-10/07/2022 <br>Open-Missing Property Tax Cert - Due Diligence Vendor-09/20/2022 | Ready for Review-Document Uploaded. Please, see the documents attached. Thank you! - Seller-10/07/2022<br>| Resolved-Property Tax Cert Provided - Due Diligence Vendor-10/11/2022<br>|  |  | [redacted] Tax Sheet.pdf<br> [redacted] Tax Estimator.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 659242 |
| XXXXXXX_2023-NQM1-224 |  | D B A | Closed | FCRE1173 | 2022-09-20 15:58 | 2022-10-07 08:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Master Condo Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present Received - Due Diligence Vendor-10/07/2022 <br>Ready for Review-Document Uploaded. Please see attached Master Hazard - Seller-10/06/2022 <br>Open-Missing HO-6 Master Insurance Policy Condo Master Policy missing in the file - Due Diligence Vendor-09/20/2022 | Ready for Review-Document Uploaded. Please see attached Master Hazard - Seller-10/06/2022<br>| Resolved-HO-6 Master Insurance Policy is fully present Received - Due Diligence Vendor-10/07/2022<br>|  |  | [redacted] Hazard insurance EPI.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 659434 |
| XXXXXXX_2023-NQM1-225 |  | D B A | Closed | FVAL1039 | 2022-09-26 15:21 | 2022-10-06 07:36 | Resolved | 1 - Information A | Property | Value | Appraised value unsupported | Resolved-AVM received and supports value - Due Diligence Vendor-10/06/2022 <br>Ready for Review-Document Uploaded. Conf score is 93. Please advise, thank you! - Seller-10/04/2022 <br>Open-no AVM or CU score - Due Diligence Vendor-09/26/2022 | Ready for Review-Document Uploaded. Conf score is 93. Please advise, thank you! - Seller-10/04/2022<br>| Resolved-AVM received and supports value - Due Diligence Vendor-10/06/2022<br>|  |  | [redacted] [redacted]AVM.pdf<br> [redacted] EvaluationReport [redacted].pdf<br> EvaluationReport2022104112927.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 666235 |
| XXXXXXX_2023-NQM1-226 |  | D B A | Closed | FCOM4028 | 2022-09-20 13:39 | 2022-10-03 12:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-received - Due Diligence Vendor-10/03/2022 <br>Ready for Review-Document Uploaded. The document is attached. Please, clear this condition. Thank you! - Seller-09/30/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/20/2022 | Ready for Review-Document Uploaded. The document is attached. Please, clear this condition. Thank you! - Seller-09/30/2022<br>| Resolved-received - Due Diligence Vendor-10/03/2022<br>|  |  | [redacted] REC Mortgage.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 659108 |
| XXXXXXX_2023-NQM1-227 |  | D B A | Closed | FCRE1501 | 2022-09-16 06:21 | 2022-11-01 14:20 | Waived | 2 - Non-Material A B | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Lender issued waiver. Assets were not documented properly in file. - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-11/01/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $44650.62 is less than Total Required Reserve Amount of $53907.27 short assets. Only Citi account with $44650.62 in file - Due Diligence Vendor-09/16/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-11/01/2022<br>| Waived-Lender issued waiver. Assets were not documented properly in file. - Due Diligence Vendor-11/01/2022<br>|  | 65%LTV; FICO 801; 5+ years credit history; no Mortgage late payments in last 24 months; no consumer late payments in last 48 months | Exception Assets.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 654361 |
| XXXXXXX_2023-NQM1-228 |  | D B A | Closed | FVAL1039 | 2022-09-16 06:27 | 2022-10-28 10:45 | Waived | 2 - Non-Material A B | Property | Value | Appraised value unsupported | Waived-Waiver provided for no second appraisal on loan amount over 1.5 million - Due Diligence Vendor-10/28/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-10/18/2022 <br>Counter- - Due Diligence Vendor-10/06/2022 <br>Open-no second value product in file. Also loan amount is over 1.5 and no second appraisal - Due Diligence Vendor-09/16/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-10/18/2022<br>| Waived-Waiver provided for no second appraisal on loan amount over 1.5 million - Due Diligence Vendor-10/28/2022<br>|  | 65%LTV; FICO 801; 5+ years credit history; no Mortgage late payments in last 24 months; no consumer late payments in last 48 months | Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 654362 |
| XXXXXXX_2023-NQM1-229 |  | D B A | Closed | FCRE5770 | 2022-09-29 10:26 | 2022-10-11 10:25 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received updated credit report - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. Please see attached. A credit report with scores XP: 762 TU: 780 EF: 737 - Seller-10/06/2022 <br>Counter-This is a merged in file report so no scores are present. A new credit report is needed. - Due Diligence Vendor-10/03/2022 <br>Ready for Review-Document Uploaded. The document is uploaded. Please, clear this condition. Thank you - Seller-09/29/2022 <br>Open-Need current credit report scores - - Due Diligence Vendor-09/29/2022 | Ready for Review-Document Uploaded. Please see attached. A credit report with scores XP: 762 TU: 780 EF: 737 - Seller-10/06/2022 <br>Ready for Review-Document Uploaded. The document is uploaded. Please, clear this condition. Thank you - Seller-09/29/2022<br>| Resolved-Received updated credit report - Due Diligence Vendor-10/11/2022<br>|  |  | [redacted]l Credit.pdf<br> [redacted] [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 670567 |
| XXXXXXX_2023-NQM1-230 |  | D B A | Closed | FCOM4028 | 2022-09-16 05:54 | 2022-10-05 15:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-10/05/2022 <br>Resolved-Received recorded mortgage - Due Diligence Vendor-10/05/2022 <br>Ready for Review-Document Uploaded. The document is uploaded. Please, clear this condition. Thank you - Seller-10/04/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/16/2022 | Ready for Review-Document Uploaded. The document is uploaded. Please, clear this condition. Thank you - Seller-10/04/2022<br>| Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-10/05/2022 <br>Resolved-Received recorded mortgage - Due Diligence Vendor-10/05/2022<br>|  |  | [redacted] Rec Mortgage.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 654352 |
| XXXXXXX_2023-NQM1-231 |  | D B A | Closed | FCOM1221 | 2022-09-16 06:27 | 2022-10-05 15:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-10/05/2022 <br>Resolved-notary page received. - Due Diligence Vendor-10/03/2022 <br>Ready for Review-Document Uploaded. Please see attached a copy of Mortgage - Seller-09/29/2022 <br>Open-notary page missing - Due Diligence Vendor-09/16/2022 | Ready for Review-Document Uploaded. Please see attached a copy of Mortgage - Seller-09/29/2022<br>| Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-10/05/2022 <br>Resolved-notary page received. - Due Diligence Vendor-10/03/2022<br>|  |  | [redacted] Copy Mortgage.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 654363 |
| XXXXXXX_2023-NQM1-232 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-233 |  | C B A | Closed | FCRE1493 | 2022-09-19 10:12 | 2022-10-03 12:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Minimum trades not met - Due Diligence Vendor-10/03/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/29/2022 <br>Open-borrower doesn't have 2 for 24 months or 3 for 12. Self reported utilities cannot be used per guides. - Due Diligence Vendor-09/19/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-09/29/2022<br>| Waived-Minimum trades not met - Due Diligence Vendor-10/03/2022<br>|  | 703 mid fico, substantial proceeds from refi, no derogatory credit | [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 656651 |
| XXXXXXX_2023-NQM1-234 |  | C B A | Closed | FCRE1493 | 2022-09-19 13:45 | 2022-10-24 15:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception granted for Loan does not meet minimum trade lines per guidelines - Due Diligence Vendor-10/24/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/20/2022 <br>Open-Borrower only has two open tradelines - one for 40 months and one for 11. There is an additional traeline that has been open for 68 months but the borrower is only an authorized user. - Due Diligence Vendor-09/19/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-10/20/2022<br>| Waived-Exception granted for Loan does not meet minimum trade lines per guidelines - Due Diligence Vendor-10/24/2022<br>|  | No consumer lates in last 48 months, no mortgage lates last 24 months, revolving debt under 30% | Exception [redacted] - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 657343 |
| XXXXXXX_2023-NQM1-235 |  | C B A | Closed | FCRE1440 | 2022-09-19 13:16 | 2022-10-04 11:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Lender granted exception for Credit - Exception for no property ownership<br>see page 768 - Due Diligence Vendor-09/19/2022 |  | Waived-Housing History Does Not Meet Guideline Requirements Lender granted exception for Credit - Exception for no property ownership<br>see page 768 - Due Diligence Vendor-09/19/2022<br>|  | Revolving debt is under 30%, No consumer late payments in last 48 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 657239 |
| XXXXXXX_2023-NQM1-236 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXXXXX_2023-NQM1-237 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-238 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-239 |  | C A | Closed | finding-3519 | 2022-09-25 11:03 | 2022-10-10 11:14 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received proof of delivery - Due Diligence Vendor-10/10/2022 <br>Ready for Review-Document Uploaded. - Seller-10/07/2022 <br>Open-Provide evidence Initial CD 09/13/2022 was sent electronically. - Due Diligence Vendor-09/25/2022 | Ready for Review-Document Uploaded. - Seller-10/07/2022<br>| Resolved-Received proof of delivery - Due Diligence Vendor-10/10/2022<br>|  |  | [redacted]_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 664240 |
| XXXXXXX_2023-NQM1-240 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-241 |  | C B A | Closed | FCRE8850 | 2022-09-27 14:22 | 2022-12-07 11:13 | Resolved | 1 - Information C A | Credit | Assets | Foreign National- bank/credit reference letter missing | Resolved-letter received - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. Bank Reference Letter provided. Please review. - Seller-11/25/2022 <br>Open-FOREIGN NATIONAL- BANK/CREDIT REFERENCE LETTER MISSING - Due Diligence Vendor-09/27/2022 | Ready for Review-Document Uploaded. Bank Reference Letter provided. Please review. - Seller-11/25/2022<br>| Resolved-letter received - Due Diligence Vendor-12/07/2022<br>|  |  | [redacted]_Bank Ref Letter.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 667812 |
| XXXXXXX_2023-NQM1-242 |  | C B A | Closed | FVAL9739 | 2022-09-27 14:55 | 2022-09-27 14:55 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Type - Material: Appraisal;<br> Short Description - no xml + more than 60d on submission;<br> Comments- not the other lender, nor the AMC is willing to give XML to the borrower. The file is dragging for a long time, the purchase contract will expire, no way to do another appraisal<br>Exception form is on page no 108 of 668 - Due Diligence Vendor-09/27/2022 |  | Waived-Exception Type - Material: Appraisal;<br> Short Description - no xml + more than 60d on submission;<br> Comments- not the other lender, nor the AMC is willing to give XML to the borrower. The file is dragging for a long time, the purchase contract will expire, no way to do another appraisal<br>Exception form is on page no 108 of 668 - Due Diligence Vendor-09/27/2022<br>|  | DSCR=> 1.3 , LTV 10% below maximum, Borrower contribution exceeds requirement >=5% |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 667899 |
| XXXXXXX_2023-NQM1-243 |  | B A | Closed | FCRE1501 | 2022-09-23 08:44 | 2022-10-24 15:38 | Resolved | 1 - Information A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $84183.58 is equal to or greater than Total Required Reserve Amount of $2399.85 - Due Diligence Vendor-10/24/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/19/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $2850.15 There are no assets documents provided. - Due Diligence Vendor-09/23/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-10/19/2022<br>| Resolved-Total Qualified Assets for Reserves Post-Close of $84183.58 is equal to or greater than Total Required Reserve Amount of $2399.85 - Due Diligence Vendor-10/24/2022<br>|  |  | [redacted] bank statements.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 663054 |
| XXXXXXX_2023-NQM1-244 |  | B A | Closed | FCRE1166 | 2022-09-23 08:40 | 2022-10-13 17:08 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Agree with investor interpretation - Due Diligence Vendor-10/13/2022 <br>Ready for Review-Please advise if HOI has replacement cost language, if so - this insurance policy is acceptable and does not have to match total loan amount/lien amount - Seller-10/11/2022 <br>Open-Hazard Insurance Coverage Amount of $50000 is less than Total Amount of Subject Lien(s) of $74250 - Due Diligence Vendor-09/23/2022 | Ready for Review-Please advise if HOI has replacement cost language, if so - this insurance policy is acceptable and does not have to match total loan amount/lien amount - Seller-10/11/2022<br>| Resolved-Agree with investor interpretation - Due Diligence Vendor-10/13/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 663051 |
| XXXXXXX_2023-NQM1-245 |  | B A | Closed | FCRE1182 | 2022-09-23 08:52 | 2022-09-27 09:38 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval - Due Diligence Vendor-09/27/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/26/2022 <br>Open- - Due Diligence Vendor-09/23/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-09/26/2022<br>| Resolved-Received approval - Due Diligence Vendor-09/27/2022<br>|  |  | approval.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 663079 |
| XXXXXXX_2023-NQM1-246 |  | B A | Closed | FCRE9991 | 2022-09-23 08:52 | 2022-09-27 09:35 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Updated tape clears finding - Due Diligence Vendor-09/27/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-09/26/2022 <br>Open-Data Tape DSCR = 1.1 Audited DSCR = .88 - Due Diligence Vendor-09/23/2022 | Ready for Review-Document Uploaded. see attached - Seller-09/26/2022<br>| Resolved-Updated tape clears finding - Due Diligence Vendor-09/27/2022<br>|  |  | Updated tape.xlsx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 663073 |
| XXXXXXX_2023-NQM1-247 |  | B A | Closed | FCRE1501 | 2022-09-23 07:23 | 2022-10-19 12:04 | Resolved | 1 - Information A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $3067.1 is equal to or greater than Total Required Reserve Amount of $2211.24 Statements uploaded clear findings - Due Diligence Vendor-10/19/2022 <br>Ready for Review-Document Uploaded. Please review uploaded assets statements. - Seller-10/18/2022 <br>Counter-Please revisit guidelines. - Due Diligence Vendor-10/07/2022 <br>Ready for Review-No changes were made on reserves being used from cash to close. The only change made on Assets /reserves was related to EMD .Assets used for down payment and closing costs can be wired directly to title company or escrow agent and must be OFAC cleared by title agent's or escrow company's bank to be considered assets/funds/cash for closing:<br> • If the earnest money deposit was made within 12 months of the application date, the funds must be properly seasoned and sourced with 60 days of asset verification to verify the funds were from the borrower<br> Please refer to GL issued sept 6, 2022 section 6.8.6. RESERVES<br> There must be verified PITIA reserves remaining after closing, exclusive of closing costs. Beyond the minimum reserve requirements and in an effort to fully document the borrowers' ability to meet their obligations, borrowers should disclose all other liquid assets on the 1003.<br> • Reserves can be held in a financial institution outside of the US.<br> • 3 months reserves across the board, except:<br> o 12 months reserves for Foreign Nationals.<br> • Gift Funds can be used for Reserves only for purchase and rate/term money transactions.<br> • Reserve calculation is based on the PITIA payment at the time of origination. - Seller-10/05/2022 <br>Counter-New guidelines do not allow for cash out used for reserves - Due Diligence Vendor-10/05/2022 <br>Ready for Review-Borrower was receiving cash from closing in amount of $33,867.53-please refer to final CD Cash to close. Cash from closing covers reserves requirement. - Seller-10/05/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $2211.24 There are no asset documents in the file. - Due Diligence Vendor-09/23/2022 | Ready for Review-Document Uploaded. Please review uploaded assets statements. - Seller-10/18/2022 <br>Ready for Review-No changes were made on reserves being used from cash to close. The only change made on Assets /reserves was related to EMD .Assets used for down payment and closing costs can be wired directly to title company or escrow agent and must be OFAC cleared by title agent's or escrow company's bank to be considered assets/funds/cash for closing:<br> • If the earnest money deposit was made within 12 months of the application date, the funds must be properly seasoned and sourced with 60 days of asset verification to verify the funds were from the borrower<br> Please refer to GL issued sept 6, 2022 section 6.8.6. RESERVES<br> There must be verified PITIA reserves remaining after closing, exclusive of closing costs. Beyond the minimum reserve requirements and in an effort to fully document the borrowers' ability to meet their obligations, borrowers should disclose all other liquid assets on the 1003.<br> • Reserves can be held in a financial institution outside of the US.<br> • 3 months reserves across the board, except:<br> o 12 months reserves for Foreign Nationals.<br> • Gift Funds can be used for Reserves only for purchase and rate/term money transactions.<br> • Reserve calculation is based on the PITIA payment at the time of origination. - Seller-10/05/2022 <br>Ready for Review-Borrower was receiving cash from closing in amount of $33,867.53-please refer to final CD Cash to close. Cash from closing covers reserves requirement. - Seller-10/05/2022<br>| Resolved-Total Qualified Assets for Reserves Post-Close of $3067.1 is equal to or greater than Total Required Reserve Amount of $2211.24 Statements uploaded clear findings - Due Diligence Vendor-10/19/2022<br>|  |  | [redacted]_assets[redacted] bank statements.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 662943 |
| XXXXXXX_2023-NQM1-248 |  | B A | Closed | FCRE1492 | 2022-09-23 07:35 | 2022-10-19 12:04 | Resolved | 1 - Information B A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-10/19/2022 <br>Waived-Lender granted exception for using appraised value and not previous vale. <br>See page 281 - Due Diligence Vendor-09/23/2022 |  | Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-10/19/2022 <br>Waived-Lender granted exception for using appraised value and not previous vale. <br>See page 281 - Due Diligence Vendor-09/23/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 662958 |
| XXXXXXX_2023-NQM1-249 |  | B A | Closed | FCRE1166 | 2022-09-22 13:52 | 2022-10-14 09:26 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Received insurance corrected - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. Please review uploaded policy. Replacement cost is up to insured amount. - Seller-10/13/2022 <br>Counter-We have the policy but the amount of coverage is less than loan amount - Due Diligence Vendor-10/05/2022 <br>Ready for Review-Master policy was provided in file on page 206 "Complete credit package" - Seller-10/05/2022 <br>Open-Hazard Insurance Coverage Amount of $60000 is less than Total Amount of Subject Lien(s) of $75000 - Due Diligence Vendor-09/22/2022 | Ready for Review-Document Uploaded. Please review uploaded policy. Replacement cost is up to insured amount. - Seller-10/13/2022 <br>Ready for Review-Master policy was provided in file on page 206 "Complete credit package" - Seller-10/05/2022<br>| Resolved-Received insurance corrected - Due Diligence Vendor-10/14/2022<br>|  |  | [redacted]_R001369 - Insurance.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 662499 |
| XXXXXXX_2023-NQM1-250 |  | B A | Closed | FVAL1039 | 2022-09-23 07:32 | 2022-10-04 12:13 | Resolved | 1 - Information A | Property | Value | Appraised value unsupported | Resolved-Desk review received and supports value - Due Diligence Vendor-10/04/2022 <br>Ready for Review-Document Uploaded. Please review uploaded CDA - Seller-10/04/2022 <br>Counter-We can not take an exception. We need to follow the waterfall. Next would be a CDA/Desk Review or bpo - Due Diligence Vendor-09/27/2022 <br>Ready for Review-Document Uploaded. Please review uploaded exception form on appraised value - Seller-09/26/2022 <br>Open- - Due Diligence Vendor-09/23/2022 | Ready for Review-Document Uploaded. Please review uploaded CDA - Seller-10/04/2022 <br>Ready for Review-Document Uploaded. Please review uploaded exception form on appraised value - Seller-09/26/2022<br>| Resolved-Desk review received and supports value - Due Diligence Vendor-10/04/2022<br>|  | AVM confidence score of 87. | [redacted]_exception.pdf<br> [redacted]_CDA Report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 662954 |
| XXXXXXX_2023-NQM1-251 |  | B A | Closed | FCRE1182 | 2022-09-23 07:33 | 2022-09-27 09:26 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval. - Due Diligence Vendor-09/27/2022 <br>Ready for Review-Document Uploaded. Approval uploaded. - Seller-09/26/2022 <br>Open- - Due Diligence Vendor-09/23/2022 | Ready for Review-Document Uploaded. Approval uploaded. - Seller-09/26/2022<br>| Resolved-Received approval. - Due Diligence Vendor-09/27/2022<br>|  |  | [redacted]_approval.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 662955 |
| XXXXXXX_2023-NQM1-252 |  | C B A | Closed | FCRE1194 | 2022-09-27 12:57 | 2022-10-24 15:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted: Audited LTV of 75% exceeds Guideline LTV of 70% Limited Review Condo in Florida - max LTV 70%<br> - Due Diligence Vendor-10/24/2022 <br>Ready for Review-Document Uploaded. - Seller-10/21/2022 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Limited Review Condo in Florida - max LTV 70% - Due Diligence Vendor-09/27/2022 | Ready for Review-Document Uploaded. - Seller-10/21/2022<br>| Waived-Exception granted: Audited LTV of 75% exceeds Guideline LTV of 70% Limited Review Condo in Florida - max LTV 70%<br> - Due Diligence Vendor-10/24/2022<br>|  | Borrower FICO 768,no credit events ,low liabilities  | [redacted]_exception_for_LTV-max_admortgage.com.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 667605 |
| XXXXXXX_2023-NQM1-253 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-254 |  | B A | Closed | FCRE3742 | 2022-09-27 13:55 | 2022-09-27 13:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan Amount does not meet eligibility requirement(s) | Waived-Lender Granted Exception for Loan Amount<br>See page 394 - Due Diligence Vendor-09/27/2022 |  | Waived-Lender Granted Exception for Loan Amount<br>See page 394 - Due Diligence Vendor-09/27/2022<br>|  | Credit score>40% than minimum required, Revolving debt is under 30%, No consurmer pate payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months, Several income sources and DTI below 45% |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 667759 |
| XXXXXXX_2023-NQM1-255 |  | B A | Closed | FVAL9739 | 2022-09-28 12:17 | 2022-09-28 12:18 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Type : Material: Credit<br> Short Description : first time buyer<br> Comments : Borr lives in a 2 unit in NJ with Boyfriend, wants to purch inv prop in the Poconos of Pa. SFR<br>Exception form on pg# 453 of 736<br> - Due Diligence Vendor-09/28/2022 |  | Waived-Exception Type : Material: Credit<br> Short Description : first time buyer<br> Comments : Borr lives in a 2 unit in [redacted] with Boyfriend, wants to purch inv prop in the [redacted] SFR<br>Exception form on pg# 453 of 736<br> - Due Diligence Vendor-09/28/2022 |  | No consumer late payments in last 48 months, 5+ years credit history, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 669087 |
| XXXXXXX_2023-NQM1-256 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-257 |  | A | Closed | FCRE6618 | 2022-10-04 05:36 | 2022-11-14 13:37 | Resolved | 1 - Information A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-New documents received showing only one borrower and one guarantor - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/10/2022 <br>Open-2nd borrowerXXXXXXXXXXX details are not provided on final 1003 pg no 65 and individual guarantor in the file - Due Diligence Vendor-10/04/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/10/2022<br>| Resolved-New documents received showing only one borrower and one guarantor - Due Diligence Vendor-11/14/2022<br>|  |  | corrected documents [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 676078 |
| XXXXXXX_2023-NQM1-258 |  | D A | Closed | FCRE1345 | 2022-09-29 09:26 | 2022-10-14 09:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Received lease to validate net rental - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. Lease Agreement provided - Seller-10/11/2022 <br>Open-Borrower 1 Lease Agreements Missing Missing Lease agreement evidencing net $1,200 per month. Without evidence DTI is 49.49%. Full subject PITI is $1,463.41. - Due Diligence Vendor-09/29/2022 | Ready for Review-Document Uploaded. Lease Agreement provided - Seller-10/11/2022<br>| Resolved-Received lease to validate net rental - Due Diligence Vendor-10/14/2022<br>|  |  | [redacted]_Lease Agreement.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 670351 |
| XXXXXXX_2023-NQM1-259 |  | D B A | Closed | FCRE6019 | 2022-09-30 17:16 | 2022-11-22 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-10/24/2022 <br>Resolved-Received documentation - Due Diligence Vendor-10/24/2022 <br>Ready for Review-Document Uploaded. Identification - Seller-10/19/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing 1003 claims Borrower 1 is a Permanent Resident Alien, No Photo Identification provided or Proof of Citizenship. Copy of Social Security Card on page 123. - Due Diligence Vendor-09/30/2022 | Ready for Review-Document Uploaded. Identification - Seller-10/19/2022<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-10/24/2022 <br>Resolved-Received documentation - Due Diligence Vendor-10/24/2022<br>|  |  | [redacted]_Identification.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 673836 |
| XXXXXXX_2023-NQM1-260 |  | D B A | Closed | FCRE1440 | 2022-09-30 19:15 | 2022-09-30 19:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Document Uploaded. Mortgage late 1x30x12 in December 2021 per Credit Report (page 480 dtd 8-16-22) -- EXCEPTION requested for late mortgage payment that was due to a mortgage transfer and the ACH payment was cancelled and not initiated in a timely manner. LOE included with Exception Form. Issue was approved with Conditions to add 0.5 in Price, DSCR must be above 1. - Due Diligence Vendor-10/01/2022 |  | Waived-Housing History Does Not Meet Guideline Requirements Document Uploaded. Mortgage late 1x30x12 in December 2021 per Credit Report (page 480 dtd 8-16-22) -- EXCEPTION requested for late mortgage payment that was due to a mortgage transfer and the ACH payment was cancelled and not initiated in a timely manner. LOE included with Exception Form. Issue was approved with Conditions to add 0.5 in Price, DSCR must be above 1. - Due Diligence Vendor-10/01/2022<br>|  | Experienced investor with 2+ investment properties, No consumer late payments in last 48 months, 5+ years credit history | [redacted]_EXCEPTION Mortgage 1x30x12.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 673886 |
| XXXXXXX_2023-NQM1-261 |  | A | Closed | FCOM4028 | 2022-10-11 09:48 | 2022-10-11 09:48 | Resolved | 1 - Information A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/11/2022 |  | Resolved-File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/11/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 687764 |
| XXXXXXX_2023-NQM1-262 |  | B A | Closed | FCRE3931 | 2022-09-29 10:35 | 2022-09-29 10:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 1 | Waived-Found [redacted] in pg 414 states Current rate for this loan is 8.625 (locked on XXXX). Our rates went down this week and with today's pricing our rate for this loan would be XXXX% and loan amount increase from $XXXXXX to $XXXXXX, so LTV will still be 65% - Due Diligence Vendor-09/29/2022 |  | Waived-Found [redacted] in pg 414 states Current rate for this loan is 8.625 (locked on7/29). Our rates went down this week and with today's pricing our rate for this loan would be 8.25% and loan amount increase from $192400 to $211,900, so LTV will still be 65% - Due Diligence Vendor-09/29/2022 |  | Borrower is shopping the MLO. XXXXX beating our current rate by 0.5% (see image). Current rate for this loan is XXX (locked on XXX). Our rates went down this week and with today's pricing our rate for this loan would be XXX%. Appraisal also came in higher than expected ($XXXk) so borrower would like to increase loan amount to $XXXXX, so LTV will still be 65%. (I can do loan amount change request for this) |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 670603 |
| XXXXXXX_2023-NQM1-263 |  | C B A | Closed | FCRE9387 | 2022-09-30 08:54 | 2022-10-24 15:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan amount exceeds maximum allowed per program guidelines | Waived-Exception Allow to use appraised value in LTV calculation instead of purchase price + improvements - Due Diligence Vendor-10/24/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/19/2022 <br>Open-Cash out seasoning 6-12 months are permitted, however, the loan amount cannot exceed the acquisition price. Bwr purchased subject in XX/XX for $XXXK. Loan amount is $XXXXXXX. There are no documented or mentioned improvements. - Due Diligence Vendor-09/30/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-10/19/2022<br>| Waived-Exception Allow to use appraised value in LTV calculation instead of purchase price + improvements - Due Diligence Vendor-10/24/2022<br>|  | 75% LTV, 764 Mid FICO, No credit events past 48 months | Exception [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 672543 |
| XXXXXXX_2023-NQM1-264 |  | C B A | Closed | FCRE7375 | 2022-09-28 15:57 | 2022-11-08 15:42 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Exception granted: PRA card provided expired on XXXXXXX and the supported document : I-797 notice stated that this document is valid till the 12 months from<br> the PRA expiration date so that will be XXXXX<br> - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. - Seller-11/08/2022 <br>Open-PRA card provided expired on XXXXXXXX and the supported document : I-797 notice stated that this document is valid till the 12 months from the PRA expiration date so that will be XXXXXX. Closing date is XXXXXXXX Please provide a valid PRA proof . - Due Diligence Vendor-XXXXXXXXX | Ready for Review-Document Uploaded. - Seller-11/08/2022<br>| Waived-Exception granted: PRA card provided expired on 05/04/2021 and the supported document : I-797 notice stated that this document is valid till the 12 months from<br> the PRA expiration date so that will be 05/04/2022<br> - Due Diligence Vendor-11/08/2022<br>|  | Borrower FICO 754, no past credit events,low liabilities | [redacted]_exception for expired 797 form - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 669673 |
| XXXXXXX_2023-NQM1-265 |  | C B A | Closed | FCRE1493 | 2022-09-28 16:06 | 2022-09-28 16:06 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception Type: Credit Trade line<br> Short Description: Does not meet trade line requirement <br> Exception form is on page no 68 of 157 - Due Diligence Vendor-09/28/2022 |  | Waived-Exception Type: Credit Trade line<br> Short Description: Does not meet trade line requirement <br> Exception form is on page no 68 of 157 - Due Diligence Vendor-09/28/2022<br>|  | Reserves> 3 Months, Credit score> 40 higher than minimum required, No Consumer Late Payments in last 48 months, Other Specify Below |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 669679 |
| XXXXXXX_2023-NQM1-266 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-267 |  | C B A | Closed | FCRE1501 | 2022-09-29 09:30 | 2022-10-24 15:50 | Waived | 2 - Non-Material C B | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Exception granted: Total Qualified Assets for Reserves Post-Close of $1429.73 is less than Total Required Reserve Amount of<br> $13202.04 Short reserves. Have $99862 verified. cant use #7471 as this is wifes account and borr not on acct.<br> Need $11773.40 additional money verified - Due Diligence Vendor-10/24/2022 <br>Ready for Review-Document Uploaded. - Seller-10/21/2022 <br>Counter-Still need proof borrower is on account. Cannot access an account you are not an account holder on - Due Diligence Vendor-10/18/2022 <br>Ready for Review-pg 15 has the wife's access letter - Seller-10/17/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $1429.73 is less than Total Required Reserve Amount of $13202.04 Short reserves. Have $99862 verified. cant use #7471 as this is wifes account and borr not on acct. Need $11773.40 additional money verified. - Due Diligence Vendor-09/29/2022 | Ready for Review-Document Uploaded. - Seller-10/21/2022 <br>Ready for Review-pg 15 has the wife's access letter - Seller-10/17/2022<br>| Waived-Exception granted: Total Qualified Assets for Reserves Post-Close of $1429.73 is less than Total Required Reserve Amount of<br> $13202.04 Short reserves. Have $99862 verified. cant use #7471 as this is wifes account and borr not on acct.<br> Need $11773.40 additional money verified - Due Diligence Vendor-10/24/2022<br>|  | Fico 780, Reserves >= 3 months, No credit events past 48 months | [redacted]_exception_for_using_account_without_borrower_name-max_[redacted].com.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 670360 |
| XXXXXXX_2023-NQM1-268 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-269 |  | D A | Closed | FCRE6019 | 2022-09-30 06:28 | 2022-12-30 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-10/04/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-10/04/2022 <br>Open-both borrowers are Perm. need citizenship docs for each borrower. - Due Diligence Vendor-09/30/2022 | Ready for Review-Document Uploaded. see attached - Seller-10/04/2022<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-10/04/2022<br>|  |  | IDs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 672116 |
| XXXXXXX_2023-NQM1-270 |  | D A | Closed | FCRE9991 | 2022-09-30 06:27 | 2022-10-04 12:09 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Data is accepted - Due Diligence Vendor-10/04/2022 <br>Open-DTI not matching. 1008 has 39% DTI. Review calc its at 46.93 because no lease was provided for rental property. Didnt offset payment since no lease in file. If lease provided DTI will match. - Due Diligence Vendor-09/30/2022 |  | Resolved-Data is accepted - Due Diligence Vendor-10/04/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 672112 |
| XXXXXXX_2023-NQM1-271 |  | D A | Closed | finding-3652 | 2022-09-30 06:40 | 2022-10-04 12:08 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-lender credit explanation is accepted and adjustments clear findings - Due Diligence Vendor-10/04/2022 <br>Ready for Review-The reason for $161 credit applied on initial CD is for increased Appraisal fee $150 + Recording fee $11. At closing Title reduced the Recording fee from $176 to $137. So the unnecessary cure of $11 was removed. To conclude, what was removed is Lender cure not lender credit - Seller-10/04/2022 <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 ($150.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($161.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). lender credits decreased from Initial CD of $161 to $150 at closing and no COC provided. - Due Diligence Vendor-09/30/2022 | Ready for Review-The reason for $161 credit applied on initial CD is for increased Appraisal fee $150 + Recording fee $11. At closing Title reduced the Recording fee from $176 to $137. So the unnecessary cure of $11 was removed. To conclude, what was removed is Lender cure not lender credit - Seller-10/04/2022<br>| Resolved-lender credit explanation is accepted and adjustments clear findings - Due Diligence Vendor-10/04/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 672144 |
| XXXXXXX_2023-NQM1-272 |  | D A | Closed | FCRE1182 | 2022-09-30 06:41 | 2022-10-04 12:02 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval received - Due Diligence Vendor-10/04/2022 <br>Ready for Review-Document Uploaded. Approval attached - Seller-10/03/2022 <br>Open-missing approval - Due Diligence Vendor-09/30/2022 | Ready for Review-Document Uploaded. Approval attached - Seller-10/03/2022<br>| Resolved-Approval received - Due Diligence Vendor-10/04/2022<br>|  |  | Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 672148 |
| XXXXXXX_2023-NQM1-273 |  | D A | Closed | FCOM1477 | 2022-09-30 06:41 | 2022-10-04 12:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received rate lock - Due Diligence Vendor-10/04/2022 <br>Ready for Review-Document Uploaded. Rate lock attached - Seller-10/03/2022 <br>Open- - Due Diligence Vendor-09/30/2022 | Ready for Review-Document Uploaded. Rate lock attached - Seller-10/03/2022<br>| Resolved-Received rate lock - Due Diligence Vendor-10/04/2022<br>|  |  | rate lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 672147 |
| XXXXXXX_2023-NQM1-274 |  | D A C | Closed | FCRE4293 | 2022-10-10 09:59 | 2022-11-01 08:40 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Statement supplied clears findings - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. Statements provided - Seller-10/28/2022 <br>Open-Wells Fargo #1702 does not cover 2 months. Statement for August 2022 page 8 and Internet Printout for 8/22/2022 - 9/14/2022 page 20 - Due Diligence Vendor-10/10/2022 | Ready for Review-Document Uploaded. Statements provided - Seller-10/28/2022<br>| Resolved-Statement supplied clears findings - Due Diligence Vendor-11/01/2022<br>|  |  | [redacted]_Bank Statements.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Second Home | Purchase | NA | N/A | N/A | 685696 |
| XXXXXXX_2023-NQM1-275 |  | D A C | Closed | finding-3526 | 2022-10-10 14:14 | 2022-10-18 11:16 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-electronic proof received. - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. - Seller-10/18/2022 <br>Open-Provide evidence LE 09/19/2022 was sent electronically. - Due Diligence Vendor-10/10/2022 | Ready for Review-Document Uploaded. - Seller-10/18/2022<br>| Resolved-electronic proof received. - Due Diligence Vendor-10/18/2022<br>|  |  | [redacted]_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Second Home | Purchase | NA | N/A | N/A | 686443 |
| XXXXXXX_2023-NQM1-276 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-277 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 |  |  |  |
| XXXXXXX_2023-NQM1-278 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-279 |  | B A | Closed | FCRE1501 | 2022-09-30 07:35 | 2022-10-20 10:30 | Resolved | 1 - Information A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $84183.58 is equal to or greater than Total Required Reserve Amount of $2394.81 assets provided. - Due Diligence Vendor-10/20/2022 <br>Ready for Review-Document Uploaded. please review uploaded assets. - Seller-10/19/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $2243.34 No asset statements were provided. - Due Diligence Vendor-09/30/2022 | Ready for Review-Document Uploaded. please review uploaded assets. - Seller-10/19/2022<br>| Resolved-Total Qualified Assets for Reserves Post-Close of $84183.58 is equal to or greater than Total Required Reserve Amount of $2394.81 assets provided. - Due Diligence Vendor-10/20/2022<br>|  |  | [redacted]_[redacted] bank statements.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 672274 |
| XXXXXXX_2023-NQM1-280 |  | B A | Closed | FCRE1166 | 2022-09-30 07:32 | 2022-10-20 10:23 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-replacement cost - Due Diligence Vendor-10/20/2022 <br>Ready for Review-Document Uploaded. Please review uploaded policy. On page 17 it states it is to ACV if you look at number 29. If you look at page 18 it shows the commercial liability coverage.<br> The properties have commercial coverage and the ACV coverage. <br> - Seller-10/19/2022 <br>Open-Hazard Insurance Coverage Amount of $60000 is less than Total Amount of Subject Lien(s) of $71250 - Due Diligence Vendor-09/30/2022 | Ready for Review-Document Uploaded. Please review uploaded policy. On page 17 it states it is to ACV if you look at number 29. If you look at page 18 it shows the commercial liability coverage.<br> The properties have commercial coverage and the ACV coverage. <br> - Seller-10/19/2022<br>| Resolved-replacement cost - Due Diligence Vendor-10/20/2022<br>|  |  | [redacted]_[redacted] - Insurance.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 672255 |
| XXXXXXX_2023-NQM1-281 |  | B A | Closed | FCRE1182 | 2022-09-30 07:44 | 2022-10-04 12:10 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval - Due Diligence Vendor-10/04/2022 <br>Ready for Review-Document Uploaded. Please see uploaded approval and summary. - Seller-10/03/2022 <br>Open- - Due Diligence Vendor-09/30/2022 | Ready for Review-Document Uploaded. Please see uploaded approval and summary. - Seller-10/03/2022<br>| Resolved-Received approval - Due Diligence Vendor-10/04/2022<br>|  |  | [redacted]_loan approval.pdf<br> [redacted]_summary.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 672289 |
| XXXXXXX_2023-NQM1-282 |  | B A | Closed | FCRE1440 | 2022-10-01 14:34 | 2022-10-01 14:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-No ownership history on DSCR - Due Diligence Vendor-10/01/2022 |  | Waived-No ownership history on DSCR - Due Diligence Vendor-10/01/2022<br>|  | Credit score >40% than minimum required, No consumer late payments in last 48 months, No credit events past 48 months<br> Page 620 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 674039 |
| XXXXXXX_2023-NQM1-283 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-284 |  | C B A | Closed | FCRE8944 | 2022-10-04 10:14 | 2022-10-14 09:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Credit History - Derogatory Accounts Without Sufficient Explanation | Waived-Exception granted Account with Westgate Resorts Ltd (Mortgage account) ending #4445 is showing late payments. Late Dates:<br> 2/22-120, 1/22-90, 12/21-60, 11/21-30. - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. - Seller-10/11/2022 <br>Open-Account with Westgate Resorts Ltd (Mortgage account) ending #4445 is showing late payments. <br> Late Dates: 2/22-120, 1/22-90, 12/21-60, 11/21-30. - Due Diligence Vendor-10/04/2022 | Ready for Review-Document Uploaded. - Seller-10/11/2022<br>| Waived-Exception granted Account with [redacted] is showing late payments. Late Dates:<br> 2/22-120, 1/22-90, 12/21-60, 11/21-30. - Due Diligence Vendor-10/14/2022 |  | FICO 6 points greater than program requirement, borrower has 69 months of reserves, low loan amount | [redacted]_exception_for_lates-max_admortgage.com.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 676725 |
| XXXXXXX_2023-NQM1-285 |  | C B A | Closed | FVAL1039 | 2022-10-04 11:30 | 2022-10-06 08:03 | Resolved | 1 - Information C A | Property | Value | Appraised value unsupported | Resolved-CDA received and supports value - Due Diligence Vendor-10/06/2022 <br>Ready for Review-Please, find the requested CDA in File Uploads (1007318_Inman.pdf, p.105). Thank you! - Seller-10/06/2022 <br>Open-AVM score is 88 - Due Diligence Vendor-10/04/2022 | Ready for Review-Please, find the requested CDA in File Uploads (1007318_Inman.pdf, p.105). Thank you! - Seller-10/06/2022<br>| Resolved-CDA received and supports value - Due Diligence Vendor-10/06/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 676923 |
| XXXXXXX_2023-NQM1-286 |  | B A | Closed | FCRE1200 | 2022-10-03 10:30 | 2022-10-03 10:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $60000 is less than the Guideline Minimum Loan Amount of $100000 Page 740. - Due Diligence Vendor-10/03/2022 |  | Waived-Audited Loan Amount of [redacted] is less than the Guideline Minimum Loan Amount of $100000 Page 740. - Due Diligence Vendor-10/03/2022 |  | Reserves > 6 months, No consumer late payments last 48 months (note-incorrect - 1x30 noted in 03/22 - xxxx), No mtg lates last 24 months, No Credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 674902 |
| XXXXXXX_2023-NQM1-287 |  | B A | Closed | FCRE1493 | 2022-10-03 09:51 | 2022-10-03 10:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Page 742 - Not enough post BK filing current consumer trade lines. Bwr has mtg history, recent auto and two revolving with 1 open for 6 months, and another more than 24 months (kohls). Lender obtained 12 months of mobile phone stmts.<br> - Due Diligence Vendor-10/03/2022 |  | Waived-Page 742 - Not enough post BK filing current consumer trade lines. Bwr has mtg history, recent auto and two revolving with 1 open for 6 months, and another more than 24 months (kohls). Lender obtained 12 months of mobile phone stmts.<br> - Due Diligence Vendor-10/03/2022<br>|  | Reserves > 6 months, No consumer late payments last 48 months (note-incorrect - 1x30 noted in 03/22 - xxxx), No mtg lates last 24 months, No Credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 674802 |
| XXXXXXX_2023-NQM1-288 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-289 |  | C B A | Closed | FCRE1493 | 2022-10-03 11:43 | 2022-10-27 13:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception: Loan failed to meet minimum trade lines per guidelines - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/26/2022 <br>Counter-Need an exception since this is still out of guideline - Due Diligence Vendor-10/05/2022 <br>Ready for Review-Document Uploaded. Please see attached from the UW - Seller-10/04/2022 <br>Open- - Due Diligence Vendor-10/03/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-10/26/2022 <br>Ready for Review-Document Uploaded. Please see attached from the UW - Seller-10/04/2022<br>| Waived-Exception: Loan failed to meet minimum trade lines per guidelines - Due Diligence Vendor-10/27/2022<br>|  | 683 Fico, 75% LTV, 16 years with same employer | lox from UW.pdf<br> Exception [redacted] - signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 675137 |
| XXXXXXX_2023-NQM1-290 |  | C B A | Closed | FCRE9068 | 2022-10-03 11:42 | 2022-10-05 15:29 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower does not meet residual income requirement | Resolved-Information from underwriter regarding residual income clears finding - Due Diligence Vendor-10/05/2022 <br>Ready for Review-Document Uploaded. Please see attached from the UW - Seller-10/04/2022 <br>Open-residual income is $1722.14 - Due Diligence Vendor-10/03/2022 | Ready for Review-Document Uploaded. Please see attached from the UW - Seller-10/04/2022<br>| Resolved-Information from underwriter regarding residual income clears finding - Due Diligence Vendor-10/05/2022<br>|  |  | lox from UW.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 675136 |
| XXXXXXX_2023-NQM1-291 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-292 |  | D A C | Closed | FCRE1258 | 2022-10-04 16:27 | 2022-12-01 13:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-12/01/2022 <br>Resolved-Cu score received and supports value - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. SSR provided - Seller-11/30/2022 <br>Open-Collateral Underwriter Missing UCDP SSR document missing in file .<br> No value support - Due Diligence Vendor-10/04/2022 | Ready for Review-Document Uploaded. SSR provided - Seller-11/30/2022<br>| Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-12/01/2022 <br>Resolved-Cu score received and supports value - Due Diligence Vendor-12/01/2022<br>|  |  | [redacted]_SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 677722 |
| XXXXXXX_2023-NQM1-293 |  | D A C | Closed | finding-3631 | 2022-10-05 12:02 | 2022-10-18 12:17 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC provided - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. Please review uploaded COC - Seller-10/17/2022 <br>Counter-COC loaded up already received Need COC for points increase on final CD - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. coc uploaded. - Seller-10/07/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/05/2022 | Ready for Review-Document Uploaded. Please review uploaded COC - Seller-10/17/2022 <br>Ready for Review-Document Uploaded. coc uploaded. - Seller-10/07/2022<br>| Resolved-COC provided - Due Diligence Vendor-10/18/2022<br>|  |  | [redacted]_coc.pdf<br> [redacted]_coc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 678969 |
| XXXXXXX_2023-NQM1-294 |  | D A C | Closed | finding-3632 | 2022-10-05 12:02 | 2022-10-18 12:17 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC provided - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. Please review uploaded COC 10/17 - Seller-10/17/2022 <br>Counter-COC loaded up already received Need COC for points increase on final CD - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. COC uploaded. - Seller-10/07/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/05/2022 | Ready for Review-Document Uploaded. Please review uploaded COC 10/17 - Seller-10/17/2022 <br>Ready for Review-Document Uploaded. COC uploaded. - Seller-10/07/2022<br>| Resolved-COC provided - Due Diligence Vendor-10/18/2022<br>|  |  | [redacted]_coc.pdf<br> [redacted]_coc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 678970 |
| XXXXXXX_2023-NQM1-295 |  | D A C | Closed | finding-3634 | 2022-10-05 12:02 | 2022-10-18 12:17 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC provided - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. Please review uploaded COC - Seller-10/17/2022 <br>Counter-COC loaded up already received Need COC for points increase on final CD - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. COC uploaded. - Seller-10/07/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $679.84.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). Compliance Report showing Tolerance of $679.84, Due to Loan Discount Fee. In the Revised CD dated 9/14/2022 Loan Discount Fee was $1,699.60 & in the Final CD dated 10/3/2022 Loan Discount Fee was $2,379.44. Please provide the COC for Final CD.<br> - Due Diligence Vendor-10/05/2022 | Ready for Review-Document Uploaded. Please review uploaded COC - Seller-10/17/2022 <br>Ready for Review-Document Uploaded. COC uploaded. - Seller-10/07/2022<br>| Resolved-COC provided - Due Diligence Vendor-10/18/2022<br>|  |  | [redacted]_coc.pdf<br> [redacted]_coc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 678971 |
| XXXXXXX_2023-NQM1-296 |  | D A C | Closed | finding-3430 | 2022-10-05 12:02 | 2022-10-18 12:17 | Resolved | 1 - Information A | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | Resolved-Resolved - Due Diligence Vendor-10/18/2022 <br>Rescinded- - Due Diligence Vendor-10/06/2022 <br>Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 8.277%. The APR threshold to qualify for a safe harbor is 7.120%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-10/05/2022 |  | Resolved-Resolved - Due Diligence Vendor-10/18/2022 <br>Rescinded- - Due Diligence Vendor-10/06/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 678973 |
| XXXXXXX_2023-NQM1-297 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-298 |  | D A C | Closed | FCRE9994 | 2022-10-04 16:33 | 2022-10-06 15:00 | Resolved | 1 - Information C A | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Resolved-Lock shows that 85% was acceptable and priced appropriate - Due Diligence Vendor-10/06/2022 <br>Ready for Review-Document Uploaded. loan program changed see new lock LTV is okay 85% - Seller-10/06/2022 <br>Open-Max LTV for the Prime program is 80%. Loan closed at 85% LTV. - Due Diligence Vendor-10/04/2022 | Ready for Review-Document Uploaded. loan program changed see new lock LTV is okay 85% - Seller-10/06/2022<br>| Resolved-Lock shows that 85% was acceptable and priced appropriate - Due Diligence Vendor-10/06/2022<br>|  |  | [redacted]_lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 677736 |
| XXXXXXX_2023-NQM1-299 |  | D A C | Closed | FCOM1477 | 2022-10-04 16:34 | 2022-10-06 14:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lock received - Due Diligence Vendor-10/06/2022 <br>Ready for Review-Document Uploaded. - Seller-10/06/2022 <br>Open-Rate lock needs to be changed to 2Y Full Doc. Loan was locked at 1YFull and the there are 2 years of income provided. - Due Diligence Vendor-10/04/2022 | Ready for Review-Document Uploaded. - Seller-10/06/2022<br>| Resolved-Lock received - Due Diligence Vendor-10/06/2022<br>|  |  | [redacted]_lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 677737 |
| XXXXXXX_2023-NQM1-300 |  | C A | Closed | FCRE1501 | 2022-10-24 08:11 | 2022-10-28 07:50 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $28756.3 is equal to or greater than Total Required Reserve Amount of $23880.57 Extra chase account now clears finding - Due Diligence Vendor-10/28/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $15972.38 is less than Total Required Reserve Amount of $23880.57 - Due Diligence Vendor-10/24/2022 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $28756.3 is equal to or greater than Total Required Reserve Amount of $23880.57 Extra chase account now clears finding - Due Diligence Vendor-10/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 704681 |
| XXXXXXX_2023-NQM1-301 |  | D A | Closed | FVAL1039 | 2022-10-07 19:20 | 2022-10-24 15:54 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-CDA supports value - Due Diligence Vendor-10/24/2022 <br>Ready for Review-Document Uploaded. Please, find the CDA attached. Thank you! - Seller-10/21/2022 <br>Open- - Due Diligence Vendor-10/08/2022 | Ready for Review-Document Uploaded. Please, find the CDA attached. Thank you! - Seller-10/21/2022<br>| Resolved-CDA supports value - Due Diligence Vendor-10/24/2022<br>|  |  | [redacted]_CDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 685039 |
| XXXXXXX_2023-NQM1-302 |  | C A | Closed | FCRE1480 | 2022-10-09 08:59 | 2022-10-24 15:57 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received supporting statement - Due Diligence Vendor-10/24/2022 <br>Ready for Review-statement covers 5/6 2022. - Seller-10/19/2022 <br>Counter-June #3923 is already in file. This was re-sent. We need an additional month statement - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. - Seller-10/17/2022 <br>Open-Asset Record 2 Does Not Meet G/L Requirements Page 50 - Bus savings account #3923, Well Fargo, only has 1 month stmt in file. Need additional month. - Due Diligence Vendor-10/09/2022 | Ready for Review-statement covers 5/6 2022. - Seller-10/19/2022 <br>Ready for Review-Document Uploaded. - Seller-10/17/2022<br>| Resolved-Received supporting statement - Due Diligence Vendor-10/24/2022<br>|  |  | [redacted]_combined [redacted] and [redacted] accounts for assets.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 685167 |
| XXXXXXX_2023-NQM1-303 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-304 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-305 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-306 |  | C A | Closed | FCRE5275 | 2022-10-10 11:03 | 2022-10-25 11:21 | Resolved | 1 - Information C A | Credit | Eligibility | Asset do not meet guidelines | Resolved-Received proof of gift - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. - Seller-10/21/2022 <br>Open-missing proof donor gave 70k to title for gift at closing. - Due Diligence Vendor-10/10/2022 | Ready for Review-Document Uploaded. - Seller-10/21/2022<br>| Resolved-Received proof of gift - Due Diligence Vendor-10/25/2022<br>|  |  | [redacted]_Gift Funds Receipt-14183.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 685868 |
| XXXXXXX_2023-NQM1-307 |  | B A | Closed | FVAL5524 | 2022-10-11 09:18 | 2022-10-11 09:20 | Waived | 2 - Non-Material B | Property | Property | Ineligible Property | Waived-Subject is a 5 unit multi family/ commercial. Lender exception page 864.<br> - Due Diligence Vendor-10/11/2022 |  | Waived-Subject is a 5 unit multi family/ commercial. Lender exception page 864.<br> - Due Diligence Vendor-10/11/2022<br>|  | Reserves > 6 months, Experienced Investor with 2+ properties, Credit Score >40 points above program minimum, No mortgage late payments last 24 mos, 5+ yr credit history. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 687694 |
| XXXXXXX_2023-NQM1-308 |  | D A | Closed | 123ABJ | 2022-10-11 10:07 | 2022-10-18 12:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-VVOE provided - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. - Seller-10/17/2022 <br>Open- - Due Diligence Vendor-10/11/2022 | Ready for Review-Document Uploaded. - Seller-10/17/2022<br>| Resolved-VVOE provided - Due Diligence Vendor-10/18/2022<br>|  |  | [redacted]_verification of business 20 days bc..pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 687801 |
| XXXXXXX_2023-NQM1-309 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-310 |  | C A | Closed | FCRE1444 | 2022-10-11 07:08 | 2022-11-29 11:46 | Resolved | 1 - Information C A | Credit | Borrower | Credit report incomplete | Resolved-Full Credit Report is Provided - Due Diligence Vendor-11/29/2022 <br>Resolved-Soft pull is sufficient - Due Diligence Vendor-11/29/2022 <br>Counter-Please provide a waiver as the previously submitted documents are insufficient to clear frozen credit. Borrower must have strong compensating factors. - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/17/2022 <br>Counter-Credit bureaus were frozen on a credit report dated 9/6. The report uploaded to this finding is from June 27 2022. We need the Sept report unfrozen. Scores could have been impacted 2 months later. Also we have not trade line data reporting for 2 frozen bureaus to see any credit or issues they may report. - Due Diligence Vendor-10/28/2022 <br>Ready for Review-Document Uploaded. Please, find attached the initial submitted credit report. Thank you! - Seller-10/28/2022 <br>Counter-Need something to show two other bureaus scores - - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Please, find the Letter of explanation uploaded in File Uploads merged in 1011499_complete borrower pkg.pdf (p.890). Thank you! - Seller-10/21/2022 <br>Open-2 score are frozen/ locked. need unlocked report - Due Diligence Vendor-10/11/2022 | Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/17/2022 <br>Ready for Review-Document Uploaded. Please, find attached the initial submitted credit report. Thank you! - Seller-10/28/2022 <br>Ready for Review-Please, find the Letter of explanation uploaded in File Uploads merged in 1011499_complete borrower pkg.pdf (p.890). Thank you! - Seller-10/21/2022<br>| Resolved-Full Credit Report is Provided - Due Diligence Vendor-11/29/2022 <br>Resolved-Soft pull is sufficient - Due Diligence Vendor-11/29/2022<br>|  |  | [redacted] Credit.pdf<br> [redacted]_[redacted]_report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 687289 |
| XXXXXXX_2023-NQM1-311 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-312 |  | B A | Closed | FCRE2515 | 2022-10-11 14:29 | 2022-10-11 14:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-1x30x12 dtd 11/2021 - Due Diligence Vendor-10/11/2022 |  | Waived-1x30x12 dtd 11/2021 - Due Diligence Vendor-10/11/2022<br>|  | Reserves>6 months, Experienced investor with 2+ investment properties, 5+ years credit history<br> Page 111 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 688678 |
| XXXXXXX_2023-NQM1-313 |  | D A C | Closed | FCRE1479 | 2022-10-11 08:27 | 2022-10-14 12:47 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received bank statements - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. Please review uploaded assets docs for both accounts from May 2022. - Seller-10/14/2022 <br>Open-Asset Record 1 Does Not Meet G/L Requirements Please provide a second statement for Chase 7913. Only June 2022 was provided. - Due Diligence Vendor-10/11/2022 | Ready for Review-Document Uploaded. Please review uploaded assets docs for both accounts from May 2022. - Seller-10/14/2022<br>| Resolved-Received bank statements - Due Diligence Vendor-10/14/2022<br>|  |  | [redacted]May Statements.pdf<br> [redacted]May Statements.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 687532 |
| XXXXXXX_2023-NQM1-314 |  | D A C | Closed | FVAL1039 | 2022-10-11 08:34 | 2022-10-14 12:45 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-Received AVM supports value - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. AVM uploaded. - Seller-10/14/2022 <br>Open-CU score 2.7 - Missing AVM. - Due Diligence Vendor-10/11/2022 | Ready for Review-Document Uploaded. AVM uploaded. - Seller-10/14/2022<br>| Resolved-Received AVM supports value - Due Diligence Vendor-10/14/2022<br>|  |  | [redacted]_VeroValue.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 687545 |
| XXXXXXX_2023-NQM1-315 |  | D A C | Closed | FCRE1182 | 2022-10-11 08:33 | 2022-10-14 11:13 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. Approval uploaded. - Seller-10/13/2022 <br>Open- - Due Diligence Vendor-10/11/2022 | Ready for Review-Document Uploaded. Approval uploaded. - Seller-10/13/2022<br>| Resolved-Received approval - Due Diligence Vendor-10/14/2022<br>|  |  | [redacted]_approval.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 687544 |
| XXXXXXX_2023-NQM1-316 |  | D A C | Closed | FCRE9991 | 2022-10-11 08:38 | 2022-10-14 11:13 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Received data tape correction - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. Please review re-uploaded updated tape. - Seller-10/13/2022 <br>Open-Data Tape DSCR .92 Audited DSCR .94 - Due Diligence Vendor-10/11/2022 | Ready for Review-Document Uploaded. Please review re-uploaded updated tape. - Seller-10/13/2022<br>| Resolved-Received data tape correction - Due Diligence Vendor-10/14/2022<br>|  |  | Bid Tape NON QM _10-10-2022_October_corrected.xlsx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 687556 |
| XXXXXXX_2023-NQM1-317 |  | C B A | Closed | FCRE1194 | 2022-10-11 12:25 | 2022-10-25 11:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted: Audited LTV of 80% exceeds Guideline LTV of 75% Property is new construction PUD in Florida. - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. - Seller-10/20/2022 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Property is new construction PUD in Florida. - Due Diligence Vendor-10/11/2022 | Ready for Review-Document Uploaded. - Seller-10/20/2022<br>| Waived-Exception granted: Audited LTV of 80% exceeds Guideline LTV of 75% Property is new construction PUD in Florida. - Due Diligence Vendor-10/25/2022<br>|  | Borrower fico 788, 5 years on current job, No credit events past 48 months | [redacted]_exception_for_LTV-max_admortgage.com.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 688247 |
| XXXXXXX_2023-NQM1-318 |  | C A | Closed | FCOM1207 | 2022-10-11 11:35 | 2022-10-18 12:41 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-10/18/2022 <br>Resolved-page 16 is the signed page of Note. - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Page 16 of the signed closing package. - Seller-10/18/2022 <br>Open-The Note is Not Executed page 4 and signatures are missing - Due Diligence Vendor-10/17/2022 | Ready for Review-Page 16 of the signed closing package. - Seller-10/18/2022<br>| Resolved-The Note is Executed - Due Diligence Vendor-10/18/2022 <br>Resolved-page 16 is the signed page of Note. - Due Diligence Vendor-10/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 688128 |
| XXXXXXX_2023-NQM1-319 |  | C A | Closed | FCRE1159 | 2022-10-11 14:06 | 2022-10-25 11:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received updated hoi - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. Updated HOI uploaded. Please, review it. - Seller-10/21/2022 <br>Open-Hazard Insurance Effective Date of 10-17-2022 is after the Note Date of 10-07-2022 Policy number is missing in Hazard Insurance and also policy effective from 10/17/2022 after closing date 10/07/2022. - Due Diligence Vendor-10/11/2022 | Ready for Review-Document Uploaded. Updated HOI uploaded. Please, review it. - Seller-10/21/2022<br>| Resolved-Received updated hoi - Due Diligence Vendor-10/25/2022<br>|  |  | [redacted]_Updated HOI.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 688622 |
| XXXXXXX_2023-NQM1-320 |  | D A | Closed | FCRE1491 | 2022-10-12 12:02 | 2022-11-04 15:46 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements HUD for 2nd property clears findings - Due Diligence Vendor-11/04/2022 <br>Ready for Review-Document Uploaded. Please review final HUD from refinance second proper yXXXXXXXXX. - Seller-11/04/2022 <br>Counter-Olesea We had already accounted for the proceeds from the HUD Cash to close is $141,503.89 and only the proceeds from this refi were provided in the amount of $116658.38 Short $24,845 to close and $5,697.93 in reserves <br>- Due Diligence Vendor-11/04/2022 <br>Ready for Review-Document Uploaded. Please review uploaded assets documentation. Borrower was refinancing another property same day as subject property ,he had sufficient funds to close and to cover reserves requirement. Final HUD from refinance of another property uploaded for your reference - Seller-11/04/2022 <br>Open-Asset Qualification Does Not Meet Guideline Requirements File is short to close $-24,845.51 plus Required Reserve Amount of $5,697.93. Total = $30,543.44. - Due Diligence Vendor-10/12/2022 | Ready for Review-Document Uploaded. Please review final HUD from refinance second property [redacted] - Seller-11/04/2022 <br> Ready for Review-Document Uploaded. Please review uploaded assets documentation. Borrower was refinancing another property same day as subject property ,he had sufficient funds to close and to cover reserves requirement. Final HUD from refinance of another property uploaded for your reference - Seller-11/04/2022 | Resolved-Asset Qualification Meets Guideline Requirements HUD for 2nd property clears findings - Due Diligence Vendor-11/04/2022<br>|  |  | [redacted]_assets docs.pdf<br> [redacted]_[redacted] Alta.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 690456 |
| XXXXXXX_2023-NQM1-321 |  | D A | Closed | FCRE1501 | 2022-10-12 12:02 | 2022-11-04 15:46 | Resolved | 1 - Information A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $107177.34 is equal to or greater than Total Required Reserve Amount of $5697.93 - Due Diligence Vendor-11/04/2022 <br>Rescinded-Total Qualified Assets for Reserves Post-Close of $-24845.51 is less than Total Required Reserve Amount of $5697.93 File is short to close $-24,845.51 plus Required Reserve Amount of $5,697.93. Total = $30,543.44.<br> duplicate - Due Diligence Vendor-10/12/2022 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $107177.34 is equal to or greater than Total Required Reserve Amount of $5697.93 - Due Diligence Vendor-11/04/2022 <br>Rescinded-Total Qualified Assets for Reserves Post-Close of $-24845.51 is less than Total Required Reserve Amount of $5697.93 File is short to close $-24,845.51 plus Required Reserve Amount of $5,697.93. Total = $30,543.44.<br> duplicate - Due Diligence Vendor-10/12/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 690458 |
| XXXXXXX_2023-NQM1-322 |  | D A | Closed | FCRE1440 | 2022-10-12 11:58 | 2022-11-01 08:45 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOM clears finding - Due Diligence Vendor-11/01/2022 <br> Ready for Review-Document Uploaded. PLease see attached - Seller-10/31/2022 <br> Open-Housing History Does Not Meet Guideline Requirements No rating for subject lien. Title indicates original lien for 180K in 11/21 and then same lender refinance/modification for xxxx in 03/02/2022 to xxxxxx. Page 332. - Due Diligence Vendor-10/12/2022 | Ready for Review-Document Uploaded. PLease see attached - Seller-10/31/2022<br>| Resolved-VOM clears finding - Due Diligence Vendor-11/01/2022<br>|  |  | VOM.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 690450 |
| XXXXXXX_2023-NQM1-323 |  | D A | Closed | FCRE9991 | 2022-10-13 13:09 | 2022-10-14 12:49 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Received new tape - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-10/14/2022 <br>Open-DSCR score is 2.05 as rents were used for DSCR calculations. Rate is 8% not 7.99 - Due Diligence Vendor-10/13/2022 | Ready for Review-Document Uploaded. see attached - Seller-10/14/2022<br>| Resolved-Received new tape - Due Diligence Vendor-10/14/2022<br>|  |  | Updated tape.xlsx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 692289 |
| XXXXXXX_2023-NQM1-324 |  | D A | Closed | FCOM4028 | 2022-10-12 10:38 | 2022-10-14 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Settlement statement is dated 09/20/2022, recorded documents not available - Seller-10/14/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-10/12/2022 | Ready for Review-Settlement statement is dated 09/20/2022, recorded documents not available - Seller-10/14/2022<br>| Resolved-File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 690151 |
| XXXXXXX_2023-NQM1-325 |  | D A | Closed | FVAL1039 | 2022-10-12 06:18 | 2022-10-26 09:28 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-CMA clears finding - Due Diligence Vendor-10/26/2022 <br>Ready for Review-Document Uploaded. Commercial CDA attached - Seller-10/26/2022 <br>Open-Mixed use property no value support - Due Diligence Vendor-10/12/2022 | Ready for Review-Document Uploaded. Commercial CDA attached - Seller-10/26/2022<br>| Resolved-CMA clears finding - Due Diligence Vendor-10/26/2022<br>|  |  | CDA part3.pdf<br>CDA1.pdf<br>CDA part2.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 689368 |
| XXXXXXX_2023-NQM1-326 |  | D A | Closed | FCRE4293 | 2022-10-12 06:19 | 2022-10-14 11:24 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Received statement to clear finding - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-10/13/2022 <br>Open-Missing July statements for Bank of America #0557, 7470- 2 months needed - Due Diligence Vendor-10/12/2022 | Ready for Review-Document Uploaded. see attached - Seller-10/13/2022<br>| Resolved-Received statement to clear finding - Due Diligence Vendor-10/14/2022<br>|  |  | [redacted] [redacted] AVM_CA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 689369 |
| XXXXXXX_2023-NQM1-327 |  | C B A | Closed | FCRE1501 | 2022-10-11 15:05 | 2022-10-26 08:33 | Waived | 2 - Non-Material C B | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Exception: Use cash out for reserves and assets - Due Diligence Vendor-10/26/2022 <br>Ready for Review-Document Uploaded. Please review uploaded exception - Seller-10/25/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $3912.25 is less than Total Required Reserve Amount of $10721.91 - Verified assets $3,912.25, 3 months reserves required equal to $10,721.91, borrower is hence short $6,809.66 to meet reserve requirement - Due Diligence Vendor-10/11/2022 | Ready for Review-Document Uploaded. Please review uploaded exception - Seller-10/25/2022<br>| Waived-Exception: Use cash out for reserves and assets - Due Diligence Vendor-10/26/2022<br>|  | Credit score >40% than minimum required, CLTV 10% below maximum, No mortgage lates in 24 months | [redacted]_exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 688827 |
| XXXXXXX_2023-NQM1-328 |  | C B A | Closed | FCRE1479 | 2022-10-11 15:05 | 2022-10-26 08:32 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Exception: Allow using cash out for reserves - Due Diligence Vendor-10/26/2022 <br>Ready for Review-Document Uploaded. Exception uploaded. - Seller-10/25/2022 <br>Open-Asset Record 1 Does Not Meet G/L Requirements - Please provide a 2nd statement for Bank of America 8587 - only August 2022 was provided. - Due Diligence Vendor-10/11/2022 | Ready for Review-Document Uploaded. Exception uploaded. - Seller-10/25/2022<br>| Waived-Exception: Allow using cash out for reserves - Due Diligence Vendor-10/26/2022<br>|  | Credit score >40% than minimum required, CLTV 10% below maximum No mortgage lates in 24 months | [redacted]_exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 688826 |
| XXXXXXX_2023-NQM1-329 |  | C B A | Closed | FCRE9991 | 2022-10-11 17:44 | 2022-10-14 11:25 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Data tape received - Due Diligence Vendor-10/14/2022 <br>Ready for Review-Document Uploaded. updated tape provided. - Seller-10/13/2022 <br>Open-Data Tape rate = 9.49% Note Rate = 9.50% Data Tape DSCR = .78 Audited DSCR = .98 - Due Diligence Vendor-10/11/2022 | Ready for Review-Document Uploaded. updated tape provided. - Seller-10/13/2022<br>| Resolved-Data tape received - Due Diligence Vendor-10/14/2022<br>|  |  | Bid Tape NON QM _10-11-2022_October_updated for file [redacted].xlsx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 689039 |
| XXXXXXX_2023-NQM1-330 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-331 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-332 |  | D B A | Closed | FCRE6019 | 2022-10-17 10:43 | 2022-11-08 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/08/2022 <br>Resolved-Received passport - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-11/07/2022 <br>Counter-Non perm resident need something to show what country they are from - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. Identifications uploaded. Please, review it. - Seller-10/20/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. See attached - Seller-11/07/2022 <br>Ready for Review-Document Uploaded. Identifications uploaded. Please, review it. - Seller-10/20/2022<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/08/2022 <br>Resolved-Received passport - Due Diligence Vendor-11/08/2022<br>|  |  | [redacted]_Identifications.pdf<br> ID country of origin.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 696007 |
| XXXXXXX_2023-NQM1-333 |  | D B A | Closed | FCRE1194 | 2022-10-17 11:15 | 2022-11-03 07:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception: Audited LTV of 85% exceeds Guideline LTV of 70% for Rural property - Due Diligence Vendor-11/03/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/02/2022 <br>Open-Audited LTV of 85% exceeds Guideline LTV of 70% Property in Rural Guideline max LTV is 70% Audited LTV exceeds guideline LTV - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/02/2022<br>| Waived-Exception: Audited LTV of 85% exceeds Guideline LTV of 70% for Rural property - Due Diligence Vendor-11/03/2022<br>|  | 723 Mid Fico No Credit events past 48 months, High discretionary income | [redacted]_exception.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 696069 |
| XXXXXXX_2023-NQM1-334 |  | B A | Closed | FCRE1200 | 2022-10-18 08:49 | 2022-10-18 08:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $93000 is less than the Guideline Minimum Loan Amount of $100000 Exception Type - Material: Loan Amount<br> Short Description - $93K loan amount. <br> Comment - <br> Exception form available on page no 280 - Due Diligence Vendor-10/18/2022 |  | Waived-Audited Loan Amount of [redacted] is less than the Guideline Minimum Loan Amount of $100000 Exception Type - Material: Loan Amount<br> Short Description - $93K loan amount. <br> Comment - <br> Exception form available on page no 280 - Due Diligence Vendor-10/18/2022 |  | Experienced investor with 2+ investment properties, No consumer late payments in last 48 months, 5+ years credit<br> history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 697423 |
| XXXXXXX_2023-NQM1-335 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-336 |  | C A | Closed | FCRE1479 | 2022-10-14 14:44 | 2022-10-25 11:42 | Resolved | 1 - Information A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-10/25/2022 <br>Rescinded-Asset Record 1 Does Not Meet G/L Requirements Another Finding has been already raised and comments updated in "Asset Qualification Does Not Meet Guideline Requirements", hence rescinding this finding. - Due Diligence Vendor-10/14/2022 |  | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-10/25/2022 <br>Rescinded-Asset Record 1 Does Not Meet G/L Requirements Another Finding has been already raised and comments updated in "Asset Qualification Does Not Meet Guideline Requirements", hence rescinding this finding. - Due Diligence Vendor-10/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 694270 |
| XXXXXXX_2023-NQM1-337 |  | C A | Closed | FCRE1491 | 2022-10-14 14:44 | 2022-10-25 11:42 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. Please review uploaded assets. - Seller-10/24/2022 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Short assets statements by 15 days. First asset from Santander is 7/15 to 7/31 and the consecutive statement is 8/1-8/31. - Due Diligence Vendor-10/14/2022 | Ready for Review-Document Uploaded. Please review uploaded assets. - Seller-10/24/2022<br>| Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-10/25/2022<br>|  |  | [redacted] _assets_[redacted] June.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 694271 |
| XXXXXXX_2023-NQM1-338 |  | D A | Closed | FCRE9991 | 2022-10-13 07:31 | 2022-10-17 13:40 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Lender calc is using the full PITI whereas TPR is using the IO. both calcs are correct based on the Application of P/I - Due Diligence Vendor-10/17/2022 <br>Ready for Review-calculation is correct. 1007 has 1500 rent/2343.83 PITIA=.64 - Seller-10/17/2022 <br>Open-Data Tape DSCR .64 Audited DSCR .70 - Due Diligence Vendor-10/13/2022 | Ready for Review-calculation is correct. 1007 has 1500 rent/2343.83 PITIA=.64 - Seller-10/17/2022<br>| Resolved-Lender calc is using the full PITI whereas TPR is using the IO. both calcs are correct based on the Application of P/I - Due Diligence Vendor-10/17/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 691538 |
| XXXXXXX_2023-NQM1-339 |  | D A | Closed | FCOM4028 | 2022-10-13 06:46 | 2022-10-17 13:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/17/2022 <br>Ready for Review-this will be uploaded once mortgage is recorded and received. - Seller-10/14/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-10/13/2022 | Ready for Review-this will be uploaded once mortgage is recorded and received. - Seller-10/14/2022<br>| Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/17/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 691456 |
| XXXXXXX_2023-NQM1-340 |  | D B A | Closed | FCRE8860 | 2022-10-13 06:35 | 2022-10-31 15:26 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Audited DSCR does not meet guidelines requirements | Waived-Document Uploaded. - Due Diligence Vendor-10/31/2022 <br>Waived-Waiver provided for FTHB - Due Diligence Vendor-10/31/2022 <br>Ready for Review-Document Uploaded. - Seller-10/31/2022 <br>Counter-Please provide a valid 3rd comp factor. Cannot use no mortgage lates for a FTHB - Due Diligence Vendor-10/31/2022 <br>Open-doesn't own any other REO - Due Diligence Vendor-10/13/2022 | Ready for Review-Document Uploaded. - Seller-10/31/2022<br>| Waived-Document Uploaded. - Due Diligence Vendor-10/31/2022 <br>Waived-Waiver provided for FTHB - Due Diligence Vendor-10/31/2022<br>|  | Credit score >40% than minimum required, No consumer late payments in last 48 months, low liabilities, liquid assets post close are in excess of 130k | [redacted]_exceptions for corr loan signed comp factor.pdf<br> [redacted]_exceptions for corr loan signed comp factor.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 691448 |
| XXXXXXX_2023-NQM1-341 |  | D B A | Closed | FCRE4293 | 2022-10-13 06:34 | 2022-10-31 15:26 | Waived | 2 - Non-Material D B | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Waived-Document Uploaded. - Due Diligence Vendor-10/31/2022 <br>Waived-waiver provided for 1 months assets - Due Diligence Vendor-10/31/2022 <br>Ready for Review-Document Uploaded. Document Uploaded. - Seller-10/31/2022 <br>Counter-Please provide a valid 3rd comp factor. Cannot use no mortgage lates for a FTHB - Due Diligence Vendor-10/31/2022 <br>Open-Missing 60 days for Wells #4027 (only have 8/1-9/14) and Bank of America #6528 (July 31 only in file) - Due Diligence Vendor-10/13/2022 | Ready for Review-Document Uploaded. Document Uploaded. - Seller-10/31/2022<br>| Waived-Document Uploaded. - Due Diligence Vendor-10/31/2022 <br>Waived-waiver provided for 1 months assets - Due Diligence Vendor-10/31/2022<br>|  | Credit score >40% than minimum required, No consumer late payments in last 48 months, low liabilities, liquid assets post close are in excess of 130k<br>| [redacted]_exceptions for corr loan signed comp factor.pdf<br> [redacted]_exceptions for corr loan signed comp factor.pdf<br> [redacted]_exceptions for corr loan signed comp factor.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 691444 |
| XXXXXXX_2023-NQM1-342 |  | D B A | Closed | FCRE1493 | 2022-10-13 06:35 | 2022-10-31 08:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception: FTHB, 30 DAY Asset only, limited credit history - Due Diligence Vendor-10/31/2022 <br>Ready for Review-Document Uploaded. - Seller-10/31/2022 <br>Counter-Limited Tradelines allowed under PRIME Program. This is a DSCR, not PRIME program<br> When a borrower does not meet the requirements for Standard Tradelines, the requirements for Limited Tradelines may be applied. The following requirements apply when qualifying with Limited Tradelines:<br> • Primary residence, second homes and investment properties allowed under "Prime" program. - Due Diligence Vendor-10/18/2022 <br>Ready for Review-borrower qualifies under limited tradelines. - Seller-10/17/2022 <br>Open-only has 1 trade for 19 months that remained opened in last 12 months - Due Diligence Vendor-10/13/2022 | Ready for Review-Document Uploaded. - Seller-10/31/2022 <br>Ready for Review-borrower qualifies under limited tradelines. - Seller-10/17/2022<br>| Waived-Exception: FTHB, 30 DAY Asset only, limited credit history - Due Diligence Vendor-10/31/2022<br>|  | Credit score >40% than minimum required, No consumer late payments in last 48 months, No mortgage late<br> payments in last 24 months | [redacted]_exceptions for corr loan signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 691447 |
| XXXXXXX_2023-NQM1-343 |  | C B A | Closed | FCRE8860 | 2022-10-13 05:44 | 2022-10-27 09:16 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Audited DSCR does not meet guidelines requirements | Waived-Exception granted:did not own property within 24m required by DSCR - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. - Seller-10/27/2022 <br>Counter-page 5 of Fraud report confirms borrower has not owned any real estate. DSCR guideline for borrower owing property is not met. - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. - Seller-10/17/2022 <br>Open-doesnt own any other real estate - Due Diligence Vendor-10/13/2022 | Ready for Review-Document Uploaded. - Seller-10/27/2022 <br>Ready for Review-Document Uploaded. - Seller-10/17/2022<br>| Waived-Exception granted:did not own property within 24m required by DSCR - Due Diligence Vendor-10/27/2022<br>|  | Borrower FICO 763. low credit utilization, reserves > than 3 months, borrower contribution<br> exceeds 5%. | [redacted]_fraud.pdf<br> [redacted]_exception for DSCR-non ownership of property signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 691423 |
| XXXXXXX_2023-NQM1-344 |  | C B A | Closed | FCRE1159 | 2022-10-13 05:36 | 2022-10-18 12:57 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of 09-30-2022 is prior to or equal to the Note Date of 09-30-2022 Or Hazard Insurance Effective Date Is Not Provided corrected policy provided. - Due Diligence Vendor-10/18/2022 <br>Ready for Review-Document Uploaded. - Seller-10/17/2022 <br>Open-Hazard Insurance Effective Date of 10-03-2022 is after the Note Date of 09-30-2022 - Due Diligence Vendor-10/13/2022 | Ready for Review-Document Uploaded. - Seller-10/17/2022<br>| Resolved-Hazard Insurance Effective Date of 09-30-2022 is prior to or equal to the Note Date of xx-xx-2022 Or Hazard Insurance Effective Date Is Not Provided corrected policy provided. - Due Diligence Vendor-10/18/2022 |  |  | [redacted]_haz.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 691419 |
| XXXXXXX_2023-NQM1-345 |  | D B A | Closed | FCRE1467 | 2022-10-13 07:54 | 2022-10-27 09:19 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Asset 1 Missing | Waived-Exception: No info on 3 months pITI reserves of $9,921.96 - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. - Seller-10/26/2022 <br>Open-Asset 1 Missing No assets in file - need 3 mos PITI reserves of $9,921.96 - Due Diligence Vendor-10/13/2022 | Ready for Review-Document Uploaded. - Seller-10/26/2022<br>| Waived-Exception: No info on 3 months pITI reserves of $9,921.96 - Due Diligence Vendor-10/27/2022<br>|  | Credit score>40% than minimum required, CLTV 10% below max, mo mortgage late payments in last 24th month | [redacted]_exception for reserves signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 691577 |
| XXXXXXX_2023-NQM1-346 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-347 |  | C A | Closed | FCRE1159 | 2022-10-13 10:14 | 2022-11-14 13:41 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Corrected insurance received - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. The updated Hazard Insurance provided - Seller-11/09/2022 <br>Open-Hazard Insurance Effective Date of 10-14-2022 is after the Note Date of 10-10-2022 - Due Diligence Vendor-10/13/2022 | Ready for Review-Document Uploaded. The updated Hazard Insurance provided - Seller-11/09/2022<br>| Resolved-Corrected insurance received - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted]_Hazard Insurance.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 691933 |
| XXXXXXX_2023-NQM1-348 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-349 |  | C B A | Closed | FCRE1493 | 2022-10-14 07:26 | 2022-10-28 10:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Lender provided exception for not meeting minimum trade lines. - Due Diligence Vendor-10/28/2022 <br>Ready for Review-Document Uploaded. Exception uploaded. - Seller-10/27/2022 <br>Counter-Credit score does clear finding - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Borrower has a credit score ,he is qualified and meet the requirements for trade lines. - Seller-10/21/2022 <br>Open-borrower has 1 trade only opened more than 12 months - Due Diligence Vendor-10/14/2022 | Ready for Review-Document Uploaded. Exception uploaded. - Seller-10/27/2022 <br>Ready for Review-Borrower has a credit score ,he is qualified and meet the requirements for trade lines. - Seller-10/21/2022<br>| Waived-Lender provided exception for not meeting minimum trade lines. - Due Diligence Vendor-10/28/2022<br>|  | Fico 726, DTI below 30%, 10% below max LTV, 4 trade lines open | [redacted]_exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 693082 |
| XXXXXXX_2023-NQM1-350 |  | C B A | Closed | FCRE1501 | 2022-10-14 07:22 | 2022-10-25 12:00 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Statement for October clears findings - Due Diligence Vendor-10/25/2022 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $22949.2 is equal to or greater than Total Required Reserve Amount of $19674.6 - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Please see the breakdown below of what was used for assets. <br> Chase X1831 (as of 10/4): $70,794.13<br> BOA X4811 (as of 10/4): $43,722.59<br> TD X5296 (as of 10/5): $76,383.60<br>Total assets: $190,950.32<br> - Seller-10/21/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $11855.93 is less than Total Required Reserve Amount of $19674.6 have 179806.46 verified. Short by $7818.67 additional funds needed. Cash to close is $167950.55 and reserves are 19674.60. Total needed is 187625.15 - Due Diligence Vendor-10/14/2022 | Ready for Review-Please see the breakdown below of what was used for assets. <br> [redacted] (as of 10/4): $70,794.13<br> [redacted] (as of 10/4): $43,722.59<br> [redacted] (as of 10/5): $76,383.60<br>Total assets: $190,950.32<br> - Seller-10/21/2022 | Resolved-Statement for October clears findings - Due Diligence Vendor-10/25/2022 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $22949.2 is equal to or greater than Total Required Reserve Amount of $19674.6 - Due Diligence Vendor-10/25/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 693056 |
| XXXXXXX_2023-NQM1-351 |  | A | Closed | FCRE1159 | 2022-10-14 05:24 | 2022-10-25 12:01 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of 10-11-2022 is prior to or equal to the Note Date of 10-11-2022 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/25/2022 <br>Rescinded- - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Please, find the updated HO3 Policy uploaded in File Uploads merged in "1011707_complete borrower pkg.pdf" (pp. 553-555). Thank you! - Seller-10/20/2022 <br>Open-Hazard Insurance Effective Date of 10-14-2022 is after the Note Date of 10-11-2022 - Due Diligence Vendor-10/14/2022 | Ready for Review-Please, find the updated HO3 Policy uploaded in File Uploads merged in "1011707_complete borrower pkg.pdf" (pp. 553-555). Thank you! - Seller-10/20/2022<br>| Resolved-Hazard Insurance Effective Date of 10-11-2022 is prior to or equal to the Note Date of 10-11-2022 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/25/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 692873 |
| XXXXXXX_2023-NQM1-352 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-353 |  | D A C | Closed | FCRE4293 | 2022-10-13 13:39 | 2022-12-01 13:36 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Accept bank statement balance as enough without emd - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. We exceed the required funds to close and reserves by $21,046.18, so if we back out the $500 from verified assets, we will still meet the funds to close requirement. - Seller-11/25/2022 <br>Open-Missing one of the $500 checks to show EMD cleared. have one for $500 and one for $2850. Toal EMD is 3850 - Due Diligence Vendor-10/13/2022 | Ready for Review-Document Uploaded. We exceed the required funds to close and reserves by $21,046.18, so if we back out the $500 from verified assets, we will still meet the funds to close requirement. - Seller-11/25/2022<br>| Resolved-Accept bank statement balance as enough without emd - Due Diligence Vendor-12/01/2022<br>|  |  | image.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 692348 |
| XXXXXXX_2023-NQM1-354 |  | D A C | Closed | finding-3519 | 2022-10-13 16:03 | 2022-10-25 12:02 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Proof of elec delivery - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. Proof uploaded - Seller-10/19/2022 <br>Open-proof CD dated 10/7 sent electronic - Due Diligence Vendor-10/13/2022 | Ready for Review-Document Uploaded. Proof uploaded - Seller-10/19/2022<br>| Resolved-Proof of elec delivery - Due Diligence Vendor-10/25/2022<br>|  |  | [redacted]_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 692633 |
| XXXXXXX_2023-NQM1-355 |  | A | Closed | FCRE1325 | 2022-10-13 14:07 | 2022-10-27 08:25 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-10/27/2022 <br>Rescinded- - Due Diligence Vendor-10/24/2022 <br>Open-Missing CPA letter stating business use of funds will not adversely effect the business - business bank statements used for income. There is a CPA letter on page 71 but it does not address the business funds. - Due Diligence Vendor-10/13/2022 |  | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-10/27/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 692412 |
| XXXXXXX_2023-NQM1-356 |  | D A | Closed | FCOM1477 | 2022-10-14 10:46 | 2022-10-17 12:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-updated lock provided. - Due Diligence Vendor-10/17/2022 <br>Ready for Review-Document Uploaded. Lock is indicating 24M bank statement program - Seller-10/17/2022 <br>Open-Please update rate lock to 24 Month bank statement program. <br>24 months of bank statements provided, 24 months bank statement worksheet page 126 and 1008 addendum has underwriter notes stating income is from 24 months of bank statements page 10 - Due Diligence Vendor-10/14/2022 | Ready for Review-Document Uploaded. Lock is indicating 24M bank statement program - Seller-10/17/2022<br>| Resolved-updated lock provided. - Due Diligence Vendor-10/17/2022<br>|  |  | [redacted]_lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 693639 |
| XXXXXXX_2023-NQM1-357 |  | C B A | Closed | FCRE8850 | 2022-10-14 17:31 | 2022-10-25 12:04 | Resolved | 1 - Information C A | Credit | Assets | Foreign National- bank/credit reference letter missing | Resolved-Letter received - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-10/21/2022 <br>Open-Please Provide Foreign National Bank Credit Reference Letter. - Due Diligence Vendor-10/14/2022 | Ready for Review-Document Uploaded. see attached - Seller-10/21/2022<br>| Resolved-Letter received - Due Diligence Vendor-10/25/2022<br>|  |  | [redacted] ref letter - Translation-combined.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 694468 |
| XXXXXXX_2023-NQM1-358 |  | C B A | Closed | FVAL9739 | 2022-10-19 07:31 | 2022-10-19 07:31 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-LTV 71.942% Borrower won't rent the property. Approved exception form required for the following: Purchase agreement states the subject property may not be rented. Also, LTV exceeds the 70% max. Conditions: 70 LTV max, Full Doc only, +0.25 to the rate, min 3Y PPP<br> pg 758 - Due Diligence Vendor-10/19/2022 |  | Waived-LTV 71.942% Borrower won't rent the property. Approved exception form required for the following: Purchase agreement states the subject property may not be rented. Also, LTV exceeds the 70% max. Conditions: 70 LTV max, Full Doc only, +0.25 to the rate, min 3Y PPP<br> pg 758 - Due Diligence Vendor-10/19/2022<br>|  | Residual income >=$3000, DTI >=10% lower than loan program, 10 years or more in same line of employment |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 698855 |
| XXXXXXX_2023-NQM1-359 |  | B A | Closed | FCRE9806 | 2022-10-18 07:25 | 2022-10-18 07:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding | Waived-Exception document found on Pg No.614, Short Description: light tradelines, <br> Comments: low ltv cashout, Compensating Factors: CLTV 10% below maximum, No consumer late payments in last 48 months, No credit events past 48 months, DSCR=> 1.3 - Due Diligence Vendor-10/18/2022 |  | Waived-Exception document found on Pg No.614, Short Description: light tradelines, <br> Comments: low ltv cashout, Compensating Factors: CLTV 10% below maximum, No consumer late payments in last 48 months, No credit events past 48 months, DSCR=> 1.3 - Due Diligence Vendor-10/18/2022<br>|  | Compensating Factors: CLTV 10% below maximum, No consumer late payments in last 48 months, No credit events past 48 months, DSCR=> 1.3 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 697206 |
| XXXXXXX_2023-NQM1-360 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-361 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-362 |  | C B A | Closed | FCRE1501 | 2022-10-17 05:41 | 2022-10-27 14:02 | Waived | 2 - Non-Material C B | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Exception: Borrower is short on assets by $466.82 to meet reserves requiremnts. - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. Please review uploaded exception - Seller-10/25/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $6290.68 is less than Total Required Reserve Amount of $6575.49 short reserves by $466.82 - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. Please review uploaded exception - Seller-10/25/2022<br>| Waived-Exception: Borrower is short on assets by $466.82 to meet reserves requiremnts. - Due Diligence Vendor-10/27/2022<br>|  | No credit events past 48, borrower is experience din REO Low LTV | [redacted]_exception form - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 695438 |
| XXXXXXX_2023-NQM1-363 |  | D B C A | Closed | FCRE9068 | 2022-10-15 09:59 | 2022-12-07 13:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower does not meet residual income requirement | Waived-Loan did not meet the reserve requirements for this program. Loan is a Scratch and Dent, originally a<br> Conventional loan where DU did not require reserves. - Due Diligence Vendor-12/07/2022 <br>Open-Resolved as Agency loan but now NQM so need 3 months reserves - Due Diligence Vendor-12/07/2022 <br>Resolved-Due allowed for low reserves - Due Diligence Vendor-10/25/2022 <br>Ready for Review-comment from broker: regarding the reserve requirement, the DU/DO findings which were followed did not show any Reserves required to be verified. This was included in the credit package upload <br>- Seller-10/25/2022 <br>Counter-We show verified assets of $114,109 Three chase accounts one is $1309, one is $72800, and one is $40,000. Per HUD need $111,513.88 cash to close PLUS 3 months reserves of $3261.45. Based on $114,109 less $111,513.88 we only have $2,595.48. - Due Diligence Vendor-10/21/2022 <br>Ready for Review-Document Uploaded. - Seller-10/21/2022 <br>Open-Residual income < 2K at $1,595.41. - Due Diligence Vendor-10/15/2022 | Ready for Review-comment from broker: regarding the reserve requirement, the DU/DO findings which were followed did not show any Reserves required to be verified. This was included in the credit package upload <br>- Seller-10/25/2022 <br>Ready for Review-Document Uploaded. - Seller-10/21/2022<br>| Waived-Loan did not meet the reserve requirements for this program. Loan is a Scratch and Dent, originally a<br> Conventional loan where DU did not require reserves. - Due Diligence Vendor-12/07/2022 <br>Resolved-Due allowed for low reserves - Due Diligence Vendor-10/25/2022<br>|  | low liabilities,FICO 750 5 years on current job | [redacted]_credit pkg 1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 695061 |
| XXXXXXX_2023-NQM1-364 |  | D B C A | Closed | FCRE6737 | 2022-10-15 09:21 | 2022-10-27 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-LOE from employer provided. - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. - Seller-10/26/2022 <br>Open-Bwr is a wage earner and employment is in[redacted]. Property is in [redacted] - No LOE on job continuance. - Due Diligence Vendor-10/15/2022 | Ready for Review-Document Uploaded. - Seller-10/26/2022<br>| Resolved-LOE from employer provided. - Due Diligence Vendor-10/27/2022<br>|  |  | [redacted]_[redacted] Employment LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 695057 |
| XXXXXXX_2023-NQM1-365 |  | D B C A | Closed | FCRE1501 | 2022-10-15 09:57 | 2022-10-25 13:51 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-DU allowed for reserves and residual as calc - Due Diligence Vendor-10/25/2022 <br>Ready for Review-message from broker: regarding the reserve requirement, the DU/DO findings which were followed did not show any Reserves required to be verified. This was included in the credit package upload <br>- Seller-10/25/2022 <br>Counter-We show verified assets of $114,109 Three chase accounts one is $1309, one is $72800, and one is $40,000. Per HUD need $111,513.88 cash to close PLUS 3 months reserves of $3261.45. Based on $114,109 less $111,513.88 we only have $2,595.48. - Due Diligence Vendor-10/21/2022 <br>Ready for Review-Document Uploaded. - Seller-10/21/2022 <br>Ready for Review-Document Uploaded. see comments - Seller-10/19/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $2595.93 is less than Total Required Reserve Amount of $3261.45 Bwr is short $665.53 in reserve funds to meet 3 mos PITI - at 2.39 months. - Due Diligence Vendor-10/15/2022 | Ready for Review-message from broker: regarding the reserve requirement, the DU/DO findings which were followed did not show any Reserves required to be verified. This was included in the credit package upload <br>- Seller-10/25/2022 <br>Ready for Review-Document Uploaded. - Seller-10/21/2022 <br>Ready for Review-Document Uploaded. see comments - Seller-10/19/2022<br>| Resolved-DU allowed for reserves and residual as calc - Due Diligence Vendor-10/25/2022<br>|  |  | [redacted] lox for reserves.pdf<br> [redacted]_income calc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 695060 |
| XXXXXXX_2023-NQM1-366 |  | D B C A | Closed | finding-3519 | 2022-10-15 11:13 | 2022-10-19 12:12 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received proof of elec delivery - Due Diligence Vendor-10/19/2022 <br>Ready for Review-Document Uploaded. - Seller-10/18/2022 <br>Open-Provide the missing initial Closing Disclosure. - Due Diligence Vendor-10/15/2022 | Ready for Review-Document Uploaded. - Seller-10/18/2022<br>| Resolved-Received proof of elec delivery - Due Diligence Vendor-10/19/2022<br>|  |  | [redacted]_disclosure tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 695074 |
| XXXXXXX_2023-NQM1-367 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-368 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-369 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-370 |  | D A | Closed | FVAL1039 | 2022-10-24 12:16 | 2022-11-08 08:23 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-AVM received and clears findings - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. AVM provided - Seller-11/04/2022 <br>Open-CU score is 2.6 - Due Diligence Vendor-10/24/2022 | Ready for Review-Document Uploaded. AVM provided - Seller-11/04/2022<br>| Resolved-AVM received and clears findings - Due Diligence Vendor-11/08/2022<br>|  |  | [redacted]_AVM.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 705434 |
| XXXXXXX_2023-NQM1-371 |  | D A | Closed | FCRE1161 | 2022-10-18 13:42 | 2022-11-04 08:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/04/2022 <br>Resolved-Received Flood cert - Due Diligence Vendor-11/04/2022 <br>Ready for Review-Document Uploaded. Flood certificate provided - Seller-11/04/2022 <br>Open-Missing Flood Certificate unable to locate in file - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. Flood certificate provided - Seller-11/04/2022<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/04/2022 <br>Resolved-Received Flood cert - Due Diligence Vendor-11/04/2022<br>|  |  | [redacted]_Flood Response.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 698099 |
| XXXXXXX_2023-NQM1-372 |  | D A | Closed | FCRE1156 | 2022-10-18 13:42 | 2022-11-04 08:52 | Resolved | 1 - Information A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-11/04/2022 <br>Rescinded-Named Insured does not match Borrower(s) Name(s) - Due Diligence Vendor-10/18/2022 |  | Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-11/04/2022 <br>Rescinded-Named Insured does not match Borrower(s) Name(s) - Due Diligence Vendor-10/18/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 698100 |
| XXXXXXX_2023-NQM1-373 |  | D A | Closed | FCRE1155 | 2022-10-18 13:42 | 2022-11-04 08:52 | Resolved | 1 - Information A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-11/04/2022 <br>Rescinded-Subject Property on Note does not match Insured Property Address - Due Diligence Vendor-10/18/2022 |  | Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-11/04/2022 <br>Rescinded-Subject Property on Note does not match Insured Property Address - Due Diligence Vendor-10/18/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 698101 |
| XXXXXXX_2023-NQM1-374 |  | D A | Closed | FCRE1157 | 2022-10-18 13:42 | 2022-11-04 08:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/04/2022 <br>Resolved-Insurance received - Due Diligence Vendor-11/04/2022 <br>Open- - Due Diligence Vendor-11/04/2022 <br>Ready for Review-Document Uploaded. Insurance provided - Seller-11/04/2022 <br>Open-Missing Hazard Insurance Policy unable to locate in file - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. Insurance provided - Seller-11/04/2022<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/04/2022 <br>Resolved-Insurance received - Due Diligence Vendor-11/04/2022<br>|  |  | [redacted]_Insurance.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 698098 |
| XXXXXXX_2023-NQM1-375 |  | D A | Closed | FCRE1201 | 2022-10-18 13:55 | 2022-11-04 08:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/04/2022 <br>Ready for Review-Document Uploaded. Fraud report provided - Seller-11/04/2022 <br>Open-Missing Third Party Fraud Report unable to locate in file - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. Fraud report provided - Seller-11/04/2022<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/04/2022<br>|  |  | [redacted]_Fraud Report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 698126 |
| XXXXXXX_2023-NQM1-376 |  | D A | Closed | FCRE1182 | 2022-10-18 14:12 | 2022-11-04 08:42 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval - Due Diligence Vendor-11/04/2022 <br>Ready for Review-Document Uploaded. Approval provided - Seller-11/04/2022 <br>Open-Missing Approval/Underwriting Summary unable to locate in file - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. Approval provided - Seller-11/04/2022<br>| Resolved-Received approval - Due Diligence Vendor-11/04/2022<br>|  |  | [redacted]_Approval.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 698149 |
| XXXXXXX_2023-NQM1-377 |  | D A | Closed | FCRE3464 | 2022-11-03 09:01 | 2022-11-04 08:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Received VOE - Due Diligence Vendor-11/04/2022 <br>Ready for Review-Document Uploaded. VOE provided - Seller-11/04/2022 <br>Open-File contains a CPA Letter and a Certification of Good Standing but both exceeds 20 days from closing. - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. VOE provided - Seller-11/04/2022<br>| Resolved-Received VOE - Due Diligence Vendor-11/04/2022<br>|  |  | [redacted]_VOE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 722120 |
| XXXXXXX_2023-NQM1-378 |  | D A | Closed | FCRE4293 | 2022-10-17 07:40 | 2022-11-02 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Received bank statements - Due Diligence Vendor-11/02/2022 <br>Ready for Review-Document Uploaded. Bank Statement showing EMD withdrawal uploaded. Please review it. - Seller-11/02/2022 <br>Open-missing asset statement to show EMD cleared ($47000). - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. Bank Statement showing EMD withdrawal uploaded. Please review it. - Seller-11/02/2022<br>| Resolved-Received bank statements - Due Diligence Vendor-11/02/2022<br>|  |  | [redacted]_Bank Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 695532 |
| XXXXXXX_2023-NQM1-379 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-380 |  | D A | Closed | FCRE8728 | 2022-10-17 10:04 | 2022-10-27 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved-Documentation received for statement on tanglewood property - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. Please be advised that our borrower is not on this mortgage - Seller-10/25/2022 <br>Open-Need pay history for mortgage on Tanglewood - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. Please be advised that our borrower is not on this mortgage - Seller-10/25/2022<br>| Resolved-Documentation received for statement on tanglewood property - Due Diligence Vendor-10/27/2022<br>|  |  | [redacted]_[redacted] statement is for different borrower.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 695837 |
| XXXXXXX_2023-NQM1-381 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Second Home | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-382 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-383 |  | C B A | Closed | FCRE5275 | 2022-10-17 11:35 | 2022-12-13 11:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Asset do not meet guidelines | Waived-waiver was provided for short reserves - Due Diligence Vendor-12/13/2022 <br>Waived-Borrower is short on assets to cover reserves requirements 3 Months. - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. Exception uploaded - Seller-12/09/2022 <br>Counter-Document uploaded is already in file, and accounted for. Still Verified assets $47,000 gift funds, cash to close is $189,317.19, $147,410 gift of equity, 3 months reserves required equal to $16,854.48, borrower is hence short $11,761.67 to meet cash to close and reserve requirement - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. please see additional assets in attachment - Seller-11/10/2022 <br>Open-Verified assets $47,000 gift funds, cash to close is $189,317.19, $147,410 gift of equity, 3 months reserves required equal to $16,854.48, borrower is hence short $11,761.67 to meet cash to close and reserve requirement - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. Exception uploaded - Seller-12/09/2022 <br>Ready for Review-Document Uploaded. please see additional assets in attachment - Seller-11/10/2022<br>| Waived-waiver was provided for short reserves - Due Diligence Vendor-12/13/2022 <br>Waived-Borrower is short on assets to cover reserves requirements 3 Months. - Due Diligence Vendor-12/13/2022<br>|  | 5 Years on current job, High Discretionary Income >=$3000, no Credit events past 48 months | Assets.pdf<br> [redacted]_exception_signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 696130 |
| XXXXXXX_2023-NQM1-384 |  | C B A | Closed | FCRE6843 | 2022-10-17 11:32 | 2022-11-02 14:24 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received proof of gift - Due Diligence Vendor-11/02/2022 <br>Ready for Review-Document Uploaded. Receipt provided - Seller-11/01/2022 <br>Open-Missing proof of receipt of $47,000 gift funds. Gift letter page 11. Donor's bank statement page 13 - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. Receipt provided - Seller-11/01/2022<br>| Resolved-Received proof of gift - Due Diligence Vendor-11/02/2022<br>|  |  | [redacted]_BuyerBorrower Final Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 696106 |
| XXXXXXX_2023-NQM1-385 |  | C B A | Closed | FCRE3931 | 2022-10-17 11:36 | 2022-10-28 10:52 | Resolved | 1 - Information C A | Credit | Eligibility | Other Credit Finding 1 | Resolved-agreed Fraudguard has valid SS - Due Diligence Vendor-10/28/2022 <br>Ready for Review-SSN is valid, please find it on 173th page. - Seller-10/27/2022 <br>Open-Borrower's Drivers License and Passport are both expired. pge 174 and 175 - Due Diligence Vendor-10/17/2022 | Ready for Review-SSN is valid, please find it on 173th page. - Seller-10/27/2022<br>| Resolved-agreed Fraudguard has valid SS - Due Diligence Vendor-10/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 696132 |
| XXXXXXX_2023-NQM1-386 |  | C B A | Closed | FPRO1250 | 2022-10-17 11:18 | 2022-10-28 10:52 | Resolved | 1 - Information C A | Property | Property | Property Condition Rating Does Not Meet Program Requirements | Resolved-appraiser updated comments to reflect C4 - Due Diligence Vendor-10/28/2022 <br>Ready for Review-Document Uploaded. Please, see attached the message from the Appraisal company reflecting the change in property condition. Thank you! - Seller-10/28/2022 <br>Open-Primary Value Valuation Property Condition Rating Does Not Meet Program Requirements - property condition C5 - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. Please, see attached the message from the Appraisal company reflecting the change in property condition. Thank you! - Seller-10/28/2022<br>| Resolved-appraiser updated comments to reflect C4 - Due Diligence Vendor-10/28/2022<br>|  |  | [redacted]_c4 status.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 696075 |
| XXXXXXX_2023-NQM1-387 |  | D A | Closed | 123ABJ | 2022-10-17 13:04 | 2022-10-27 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Received business license proof - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. Business license provided - Seller-10/27/2022 <br>Open-VVOE for self employed with in 20 days missing - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. Business license provided - Seller-10/27/2022<br>| Resolved-Received business license proof - Due Diligence Vendor-10/27/2022<br>|  |  | [redacted]_Business License 2020 to 2030.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 696369 |
| XXXXXXX_2023-NQM1-388 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-389 |  | D A | Closed | FCRE9500 | 2022-10-18 08:38 | 2022-10-27 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Received letter regarding assets - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. Evidence of ownership is uploaded - Seller-10/26/2022 <br>Open-Funds in XXXXXX Trust account #XXXX are in Corporate name, XXXXXXXXXXXX but no CPA ltr or evidence of company ownership in file. - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. Evidence of ownership is uploaded - Seller-10/26/2022<br>| Resolved-Received letter regarding assets - Due Diligence Vendor-10/27/2022<br>|  |  | Evidence of ownership.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 697379 |
| XXXXXXX_2023-NQM1-390 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-391 |  | B A | Closed | FCRE2515 | 2022-10-18 07:52 | 2022-10-18 07:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-exception on page 62 <br>1x30 last 12 DSCR, Borrower was on vacation, first 1x30 ever.<br>Approved with conditions - 1 in price, cannot go to rate, DSCR must be >=1.3, 3 Y PPP<br> min, 6 mo reserves required - Due Diligence Vendor-10/18/2022 |  | Waived-exception on page 62 <br>1x30 last 12 DSCR, Borrower was on vacation, first 1x30 ever.<br>Approved with conditions - 1 in price, cannot go to rate, DSCR must be >=1.3, 3 Y PPP<br> min, 6 mo reserves required - Due Diligence Vendor-10/18/2022<br>|  | Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, CLTV 10% below<br> maximum, No consumer late payments in last 48 months, 5+ years credit history, No credit events past 48 months,<br> DSCR=> 1.3 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 697272 |
| XXXXXXX_2023-NQM1-392 |  | B A | Closed | FCRE8860 | 2022-10-18 07:54 | 2022-10-18 07:54 | Waived | 2 - Non-Material B | Credit | Income/Employment | Audited DSCR does not meet guidelines requirements | Waived-Exception found on page 66,<br>First exception required 1.3 - DSCR came in 1.1<br>Approved with conditions - DSCR must be >1.0 instead of 1.3 - Due Diligence Vendor-10/18/2022 |  | Waived-Exception found on page 66,<br>First exception required 1.3 - DSCR came in 1.1<br>Approved with conditions - DSCR must be >1.0 instead of 1.3 - Due Diligence Vendor-10/18/2022<br>|  | Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, 5+ years credit history,<br> No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 697274 |
| XXXXXXX_2023-NQM1-393 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-394 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-395 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-396 |  | A | Closed | FCOM4028 | 2022-10-18 08:41 | 2022-10-26 13:18 | Resolved | 1 - Information A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/26/2022 <br>Resolved-Missing evidence of Mortgage recording Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/24/2022 |  | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/26/2022 <br>Resolved-Missing evidence of Mortgage recording Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/24/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 697394 |
| XXXXXXX_2023-NQM1-397 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-398 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-399 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-400 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-401 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-402 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-403 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-404 |  | D B A | Closed | FCRE1325 | 2022-10-18 09:08 | 2022-11-01 08:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Personal bank statement clears finding - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. Borrower's personal bank statements uploaded - Seller-10/28/2022 <br>Open-Missing CPA letter stating using business funds will no effect the business - business bank statements used for income calculation - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. Borrower's personal bank statements uploaded - Seller-10/28/2022<br>| Resolved-Personal bank statement clears finding - Due Diligence Vendor-11/01/2022<br>|  |  | Personal bank statements.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 697458 |
| XXXXXXX_2023-NQM1-405 |  | D B A | Closed | FCOM1477 | 2022-10-18 09:09 | 2022-11-01 08:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received proof of rate lock - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. According to all documents, we have a 12 MBS program. I also upload 24-month income calculation sheet. Please see the calculation, income remain the same for 24 months and 12 months. So, we are okay with 12-month bank statement program even. - Seller-10/31/2022 <br>Open-Please correct the rate lock to 24 month bank statement program. 24 months consecutive bank statements provided pages 20-180. - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. According to all documents, we have a 12 MBS program. I also upload 24-month income calculation sheet. Please see the calculation, income remain the same for 24 months and 12 months. So, we are okay with 12-month bank statement program even. - Seller-10/31/2022<br>| Resolved-Received proof of rate lock - Due Diligence Vendor-11/01/2022<br>|  |  | [redacted]_Final Incomesheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 697459 |
| XXXXXXX_2023-NQM1-406 |  | D B A | Closed | FVAL9739 | 2022-10-18 09:11 | 2022-10-18 09:11 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Lender Granted Exception for Appraisal - Repairs will be completed within 90 days<br>See page 390 - Due Diligence Vendor-10/18/2022 |  | Waived-Lender Granted Exception for Appraisal - Repairs will be completed within 90 days<br>See page 390 - Due Diligence Vendor-10/18/2022<br>|  | 5 years on current job, No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 697473 |
| XXXXXXX_2023-NQM1-407 |  | B A | Closed | FCRE1197 | 2022-10-17 17:55 | 2022-10-17 18:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 662 is less than Guideline FICO of 680 Document Uploaded. DSCR <1 with Credit Score at 662. Approved conditions add 0.5 to PRICE, LTV Max is capped at 58% and FICO 662 is below 680 min per Exception (page 198) by Senior UnderwriterCON - Due Diligence Vendor-10/17/2022 |  | Waived-Audited FICO of 662 is less than Guideline FICO of 680 Document Uploaded. DSCR <1 with Credit Score at 662. Approved conditions add 0.5 to PRICE, LTV Max is capped at 58% and FICO 662 is below 680 min per Exception (page 198) by Senior UnderwriterCON - Due Diligence Vendor-10/17/2022<br>|  | Experienced investor with 2+ investment properties, No mortgage late payments in last 24 months, No credit events past 48 months | [redacted]_DSCR less than1.00 FICO 662.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 696886 |
| XXXXXXX_2023-NQM1-408 |  | D A | Closed | FCRE6019 | 2022-10-17 16:32 | 2022-12-13 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-12/13/2022 <br>Resolved-Received drivers llicense - Due Diligence Vendor-10/21/2022 <br>Ready for Review-Document Uploaded. Please review uploaded copy of borrower's id - Seller-10/19/2022 <br>Open-Please provide the borrower's identification. - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. Please review uploaded copy of borrower's id - Seller-10/19/2022<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-12/13/2022 <br>Resolved-Received drivers llicense - Due Diligence Vendor-10/21/2022<br>|  |  | [redacted]_id.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 696828 |
| XXXXXXX_2023-NQM1-409 |  | D A | Closed | FCRE9991 | 2022-10-17 16:29 | 2022-10-21 07:58 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-New info added to the tape clears finding - Due Diligence Vendor-10/21/2022 <br>Ready for Review-Document Uploaded. Please review updated tape - Seller-10/19/2022 <br>Open-DT rate 5.31% Note Rate 5.875% - Due Diligence Vendor-10/17/2022 | Ready for Review-Document Uploaded. Please review updated tape - Seller-10/19/2022<br>| Resolved-New info added to the tape clears finding - Due Diligence Vendor-10/21/2022<br>|  |  | Bid Tape NON QM _10-19_2022 October updated report.xlsx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 696826 |
| XXXXXXX_2023-NQM1-410 |  | A | Closed | FCRE9991 | 2022-10-18 10:41 | 2022-10-21 14:58 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Received data change - Due Diligence Vendor-10/21/2022 <br>Ready for Review-Document Uploaded. Please review updated tape - Seller-10/19/2022 <br>Open-Data Tape DSCR 1.83 Lock DSCR 1.60 Audited DSCR 1.60 - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. Please review updated tape - Seller-10/19/2022<br>| Resolved-Received data change - Due Diligence Vendor-10/21/2022<br>|  |  | Bid Tape NON QM _10-17_2022 October..xlsx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 697664 |
| XXXXXXX_2023-NQM1-411 |  | B A | Closed | FCRE8611 | 2022-10-18 06:12 | 2022-10-18 06:12 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-13 NSFs - Due Diligence Vendor-10/18/2022 |  | Waived-13 NSFs - Due Diligence Vendor-10/18/2022<br>|  | Revolving debt is under 30%, DTI >=10% lower than loan program, No credit events past 48 months, No mortgage<br> late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48 months page 5 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 697157 |
| XXXXXXX_2023-NQM1-412 |  | C B A | Closed | FCRE1501 | 2022-10-18 06:29 | 2022-11-03 07:38 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Statement received clears finding - Due Diligence Vendor-11/03/2022 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $12522.68 is equal to or greater than Total Required Reserve Amount of $7341.51 - Due Diligence Vendor-11/03/2022 <br>Ready for Review-Document Uploaded. Assets statements uploaded - Seller-11/02/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $7291.41 is less than Total Required Reserve Amount of $7341.51 Wells #4624 most recent balance is on page 797 and has $7291.41 This is short reserves by $50.10 - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. Assets statements uploaded - Seller-11/02/2022<br>| Resolved-Statement received clears finding - Due Diligence Vendor-11/03/2022 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $12522.68 is equal to or greater than Total Required Reserve Amount of $7341.51 - Due Diligence Vendor-11/03/2022<br>|  |  | Assets statements.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 697165 |
| XXXXXXX_2023-NQM1-413 |  | C B A | Closed | FVAL7199 | 2022-10-18 06:34 | 2022-10-18 06:34 | Waived | 2 - Non-Material B | Property | Appraisal | Appraisal Expired | Waived-transferred appraisal 90 days old - Due Diligence Vendor-10/18/2022 |  | Waived-transferred appraisal 90 days old - Due Diligence Vendor-10/18/2022<br>|  | No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer<br> late payments in last 48 months<br> Page 550 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 697171 |
| XXXXXXX_2023-NQM1-414 |  | C B A | Closed | FVAL9739 | 2022-10-18 06:33 | 2022-10-18 06:33 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-1004D from other amc - Due Diligence Vendor-10/18/2022 |  | Waived-1004D from other amc - Due Diligence Vendor-10/18/2022<br>|  | No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer<br> late payments in last 48 months, LTV 10% below maximum<br> page 548 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 697170 |
| XXXXXXX_2023-NQM1-415 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-416 |  | A | Closed | FCOM4028 | 2022-10-20 03:38 | 2022-10-24 12:55 | Resolved | 1 - Information A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/24/2022 <br>Open-Missing evidence of Mortgage recording Evidence of Mortgage sent for Recording is missing in this file. - Due Diligence Vendor-10/21/2022 |  | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/24/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 699988 |
| XXXXXXX_2023-NQM1-417 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-418 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-419 |  | D B A | Closed | FCRE1145 | 2022-10-19 06:39 | 2022-10-25 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-10/25/2022 <br>Resolved-Received title commitment - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. Please review uploaded title commitment. - Seller-10/24/2022 <br>Open-Title Document is missing Missing Preliminary Title report in the file - Due Diligence Vendor-10/19/2022 | Ready for Review-Document Uploaded. Please review uploaded title commitment. - Seller-10/24/2022<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-10/25/2022 <br>Resolved-Received title commitment - Due Diligence Vendor-10/25/2022<br>|  |  | [redacted]_title.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 698806 |
| XXXXXXX_2023-NQM1-420 |  | D B A | Closed | FCRE4802 | 2022-10-19 09:38 | 2022-10-19 09:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 2 | Waived-Found [redacted] in Pg no 127 regarding Title, exception states exception ho-6 doesn't cover 100% of the dwelling seems to be fine, because master should cover enough for this unit. - Due Diligence Vendor-10/19/2022 |  | Waived-Found [redacted] in Pg no 127 regarding Title, exception states exception ho-6 doesn't cover 100% of the dwelling seems to be fine, because master should cover enough for this unit. - Due Diligence Vendor-10/19/2022<br>|  | Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, Revolving debt is under 30%, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 699013 |
| XXXXXXX_2023-NQM1-421 |  | D B A | Closed | FCRE3931 | 2022-10-19 09:35 | 2022-10-19 09:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 1 | Waived-Found [redacted] in Pg no 125 regarding Appraisal, exception states The ordinance of law coverage is not on the master policy - Due Diligence Vendor-10/19/2022 |  | Waived-Found [redacted] in Pg no 125 regarding Appraisal, exception states The ordinance of law coverage is not on the master policy - Due Diligence Vendor-10/19/2022<br>|  | Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 699008 |
| XXXXXXX_2023-NQM1-422 |  | D B A C | Closed | FCRE6019 | 2022-10-18 11:41 | 2022-10-27 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received passport - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. Drivers License uploaded. Please, review it. - Seller-10/27/2022 <br>Open-Drivers License missing - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. Drivers License uploaded. Please, review it. - Seller-10/27/2022<br>| Resolved-Received passport - Due Diligence Vendor-10/27/2022<br>|  |  | [redacted]_Identification.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 697819 |
| XXXXXXX_2023-NQM1-423 |  | D B A C | Closed | finding-3519 | 2022-10-18 13:45 | 2022-10-27 14:16 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received proof of delivery - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. - Seller-10/26/2022 <br>Open-proof CD dated 10/11 sent electronic - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. - Seller-10/26/2022<br>| Resolved-Received proof of delivery - Due Diligence Vendor-10/27/2022<br>|  |  | [redacted]_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 698105 |
| XXXXXXX_2023-NQM1-424 |  | D B A C | Closed | FVAL9739 | 2022-10-18 11:41 | 2022-10-18 11:41 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-XXXX Acres - Due Diligence Vendor-10/18/2022 |  | Waived-XXXXX Acres - Due Diligence Vendor-10/18/2022<br>|  | Residual income >=$3000, DTI >=10% lower than loan program, No credit events past 48 months, 5+ years credit<br> history, Reserves>6 months<br> Page 387 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 697820 |
| XXXXXXX_2023-NQM1-425 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-426 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-427 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-428 |  | C A | Closed | FCRE1167 | 2022-10-20 16:18 | 2022-10-27 14:19 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Received insurance with full coverage - Due Diligence Vendor-10/27/2022 <br> Ready for Review-Document Uploaded. HO3 with the full insurance coverage provided - Seller-10/27/2022 <br> Open-LA is [redacted] and Dwelling coverage is [redacted] - Due Diligence Vendor-10/20/2022 | Ready for Review-Document Uploaded. HO3 with the full insurance coverage provided - Seller-10/27/2022<br>| Resolved-Received insurance with full coverage - Due Diligence Vendor-10/27/2022<br>|  |  | [redacted]_HO3.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 701791 |
| XXXXXXX_2023-NQM1-429 |  | C A | Closed | finding-3540 | 2022-10-21 08:22 | 2022-10-27 14:19 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Proof of delivery received - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. Proof uploaded - Seller-10/27/2022 <br>Open-Provide evidence that Initial Closing Disclosure issues on 10/12/2022 and 10/13/2022 was sent electronically<br> - Due Diligence Vendor-10/21/2022 | Ready for Review-Document Uploaded. Proof uploaded - Seller-10/27/2022<br>| Resolved-Proof of delivery received - Due Diligence Vendor-10/27/2022<br>|  |  | [redacted]_Proof.pdf<br> [redacted]_Proof1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 702521 |
| XXXXXXX_2023-NQM1-430 |  | B A | Closed | FCRE6763 | 2022-10-21 09:13 | 2022-10-21 09:13 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Exception to use business assets<br> Comments Hello, the UW on the file requested an exception to use the business assets for the cash flow<br> analysis. Attached email above for review. The business has more funds, but borrower cannot<br> provide CPA letter. - Due Diligence Vendor-10/21/2022 |  | Waived-Exception to use business assets<br> Comments Hello, the UW on the file requested an exception to use the business assets for the cash flow<br> analysis. Attached email above for review. The business has more funds, but borrower cannot<br> provide CPA letter. - Due Diligence Vendor-10/21/2022<br>|  | Several income sources and DTI below 45%, Revolving debt is under 30%, No credit events past 48 months, No<br> mortgage late payments in last 24 months, No consumer late payments in last 48 months, 2+ borrowers on the loan,<br> LTV 10% below maximum<br> page 39 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 702732 |
| XXXXXXX_2023-NQM1-431 |  | B A | Closed | FVAL5981 | 2022-10-21 09:02 | 2022-10-21 09:03 | Waived | 2 - Non-Material B | Property | Property | Property Type does not meet eligibility requirement(s) | Waived-waiver provided for Manufactured home over 10 years old as per GL. - Due Diligence Vendor-10/21/2022 |  | Waived-waiver provided for Manufactured home over 10 years old as per GL. - Due Diligence Vendor-10/21/2022<br>|  | Several income sources and DTI below 45%, Revolving debt is under 30%, No credit events past 48 months, No<br> mortgage late payments in last 24 months, 2+ borrowers on the loan, Credit score >40% than minimum required,<br> Borrower contribution exceeds requirement >=5%<br> page 462 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 702672 |
| XXXXXXX_2023-NQM1-432 |  | B A | Closed | FCRE1317 | 2022-10-21 08:58 | 2022-10-21 08:58 | Waived | 2 - Non-Material B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Business existence less than 2 years<br> Comments Property type - Manufactured housing. The second borrower's (XXXXXXXXXXX) business has only been in existence for 1 year and 6 months. He's been in the industry for over 20 years, and CPA docs supporting income is also uploaded to the loan - Due Diligence Vendor-10/21/2022 |  | Waived-Business existence less than 2 years<br> Comments Property type - Manufactured housing. The second borrower's (XXXXXXXXX) business has only been in existence for 1 year and 6 months. He's been in the industry for over 20 years, and CPA docs supporting income is also uploaded to the loan - Due Diligence Vendor-10/21/2022<br>|  | Several income sources and DTI below 45%, Revolving debt is under 30%, Residual income >=$3000, DTI >=10% lower<br> than loan program, 10 years or more in same line of employment, 5+ years credit history, No consumer late payments<br> in last 48 months, 2+ borrowers on the loan, Borrower contribution exceeds requirement >=5%<br> page 512 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 702631 |
| XXXXXXX_2023-NQM1-433 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-434 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-435 |  | C A | Closed | finding-3519 | 2022-10-19 05:52 | 2022-10-27 14:20 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received proof of delivery - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. - Seller-10/26/2022 <br>Open-proof CD sent 9/28 sent electronic - Due Diligence Vendor-10/19/2022 | Ready for Review-Document Uploaded. - Seller-10/26/2022<br>| Resolved-Received proof of delivery - Due Diligence Vendor-10/27/2022<br>|  |  | [redacted]_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 698768 |
| XXXXXXX_2023-NQM1-436 |  | B A | Closed | FCRE1199 | 2022-10-18 12:01 | 2022-10-25 14:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of [redacted] is greater than the Guideline Maximum Loan Amount of $1500000 Exception found on page 563<br>Max loan amount $1.5m Need [redacted]. <br> Credit Score 772. Need 85% and go to [redacted]. Borrower has good assets and reserves. Need 85% LTV. Exception is for loan amount. <br>Approved with conditions of .25% to the rate.<br> - Due Diligence Vendor-10/18/2022 |  | Waived-Audited Loan Amount of [redacted] is greater than the Guideline Maximum Loan Amount of $1500000 Exception found on page 563<br>Max loan amount $1.5m Need $1.615m. <br> Credit Score 772. Need 85% and go to $1,615,000. Borrower has good assets and reserves. Need 85% LTV. Exception is for loan amount. <br>Approved with conditions of .25% to the rate.<br> - Due Diligence Vendor-10/18/2022 |  | Residual income >=$3000, No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months, Reserves>6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 697884 |
| XXXXXXX_2023-NQM1-437 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-438 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-439 |  | C A | Closed | FCRE1491 | 2022-10-21 07:43 | 2022-10-27 14:23 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Processor cert excepted due to how long borrower had account - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. Per processor certificate in file borrower doesn't have 2 month history for this account as it was just set up 08/12/2022. - Seller-10/25/2022 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Provided only 1 month bank statement for asset information but required 2 conservative months bank statements to consider assets - Due Diligence Vendor-10/21/2022 | Ready for Review-Document Uploaded. Per processor certificate in file borrower doesn't have 2 month history for this account as it was just set up 08/12/2022. - Seller-10/25/2022<br>| Resolved-Processor cert excepted due to how long borrower had account - Due Diligence Vendor-10/27/2022<br>|  |  | [redacted]_processor cert..pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 702451 |
| XXXXXXX_2023-NQM1-440 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-441 |  | D B A | Closed | FCRE6019 | 2022-10-19 09:58 | 2022-12-15 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-12/15/2022 <br>Resolved-citizenship docs received. - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. Information provided - Seller-12/14/2022 <br>Counter-According to file, borrower is an non perm resident. Need info on what country she is from. - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. - Seller-10/27/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing 1003 says non perm Need proof of residency - Due Diligence Vendor-10/19/2022 | Ready for Review-Document Uploaded. Information provided - Seller-12/14/2022 <br>Ready for Review-Document Uploaded. - Seller-10/27/2022<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-12/15/2022 <br>Resolved-citizenship docs received. - Due Diligence Vendor-12/15/2022<br>|  |  | [redacted]_Identification.pdf<br> [redacted]_Borrower identification.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 699107 |
| XXXXXXX_2023-NQM1-442 |  | D B A | Closed | FCRE1493 | 2022-10-19 10:14 | 2022-11-08 08:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception: Loan did not meet the DSCR requirement of having 3 tradelines reporting for 12 months or 2 tradelines<br> reporting for 24 months. - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. Please, find attached the Exception form. Thank you! - Seller-11/04/2022 <br>Open-borr has 1 trade for 12 months. 1 account is authorized user only and mortgage is 2 months reporting - Due Diligence Vendor-10/19/2022 | Ready for Review-Document Uploaded. Please, find attached the Exception form. Thank you! - Seller-11/04/2022<br>| Waived-Exception: Loan did not meet the DSCR requirement of having 3 tradelines reporting for 12 months or 2 tradelines<br> reporting for 24 months. - Due Diligence Vendor-11/08/2022<br>|  | Borrower FICO 747, low credit utilization, reserves > than 3 months, borrower contribution exceeds 20%. | [redacted]_exception for DSCR CREDIT TRADELINES - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 699144 |
| XXXXXXX_2023-NQM1-443 |  | D B A | Closed | FCRE8728 | 2022-10-19 11:23 | 2022-11-03 07:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved-Received final CD - Due Diligence Vendor-11/03/2022 <br>Ready for Review-Document Uploaded. Please, find the Final CD for LNID 1031447 attached. Thank you! - Seller-11/02/2022 <br>Open-Please payment information for [redacted] loan #1031447 for 5160 NE 1st Ave - Due Diligence Vendor-10/19/2022 | Ready for Review-Document Uploaded. Please, find the Final CD for [redacted] attached. Thank you! - Seller-11/02/2022 | Resolved-Received final CD - Due Diligence Vendor-11/03/2022<br>|  |  | [redacted] Final CD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 699250 |
| XXXXXXX_2023-NQM1-444 |  | D B A | Closed | FCRE8611 | 2022-10-19 11:22 | 2022-10-19 11:22 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Lender Granted Exception for using 2nd biz,opened less than 2 yrs<br>Borr has 2 businesses.First biz opened more than 5 yrs. Need to use second biz, since the source of deposits are the same for both. Same line of work. Second biz opened 6/2021<br>See page 550 - Due Diligence Vendor-10/19/2022 |  | Waived-Lender Granted Exception for using 2nd biz,opened less than 2 yrs<br>Borr has 2 businesses.First biz opened more than 5 yrs. Need to use second biz, since the source of deposits are the same for both. Same line of work. Second biz opened 6/2021<br>See page 550 - Due Diligence Vendor-10/19/2022<br>|  | Revolving debt is under 30%, DTI >=10% lower than loan program, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 699248 |
| XXXXXXX_2023-NQM1-445 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-446 |  | C A | Closed | FCRE2899 | 2022-10-21 02:15 | 2022-10-28 11:01 | Resolved | 1 - Information C A | Credit | Title | Potential Ownership issues identified in file | Resolved-Spouse owns a property based on open mortgage on credit. - Due Diligence Vendor-10/28/2022 <br>Ready for Review-The borrower or the borrower's spouse is required to own a primary residence or an investment property (may be 2-4 unit property, but not a commercial type of space) in the past 24 months under the DSCR Program (may be past or current ownership history). Residential properties owned under business entity are eligible with a minimum 25% entity ownership requirement. However, the borrower is not required to own primary residence for other investment property programs with income verification. - Seller-10/26/2022 <br>Open-DSCR loan but borrower 1 is FTHB no waiver in the file.<br> - Due Diligence Vendor-10/21/2022 | Ready for Review-The borrower or the borrower's spouse is required to own a primary residence or an investment property (may be 2-4 unit property, but not a commercial type of space) in the past 24 months under the DSCR Program (may be past or current ownership history). Residential properties owned under business entity are eligible with a minimum 25% entity ownership requirement. However, the borrower is not required to own primary residence for other investment property programs with income verification. - Seller-10/26/2022<br>| Resolved-Spouse owns a property based on open mortgage on credit. - Due Diligence Vendor-10/28/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 702088 |
| XXXXXXX_2023-NQM1-447 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-448 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-449 |  | B A | Closed | FCRE1501 | 2022-10-19 12:39 | 2022-10-19 12:56 | Waived | 2 - Non-Material B | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Total Qualified Assets for Reserves Post-Close of $116404.64 is less than Total Required Reserve Amount of $145053.24 Document Uploaded. EXCEPTION (page 10454) Use Borrower's own funds for reserves in a Purchase -- Approved exception form required for the following: "cash back" on purchase may not be used for reserves (purchase transaction, cash back due to a large EMD deposit). Approved with conditions to add 0.125 to the rate. Escrow ltr $780,000 EMD (page 2943) - CD reflecting only $750,004.79<br> - Due Diligence Vendor-10/19/2022 |  | Waived-Total Qualified Assets for Reserves Post-Close of $116404.64 is less than Total Required Reserve Amount of $145053.24 Document Uploaded. EXCEPTION (page 10454) Use Borrower's own funds for reserves in a Purchase -- Approved exception form required for the following: "cash back" on purchase may not be used for reserves (purchase transaction, cash back due to a large EMD deposit). Approved with conditions to add 0.125 to the rate. Escrow ltr $780,000 EMD (page 2943) - CD reflecting only $750,004.79<br> - Due Diligence Vendor-10/19/2022<br>|  | No credit events past 48 months, No consumer late payments in last 48 months, 2+ borrowers on the loan 2+ borrowers on the loan, Borrower contribution exceeds requirement >=5%, Other: specify below | [redacted]_EXCEPTION for Reserves.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 699385 |
| XXXXXXX_2023-NQM1-450 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-451 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-452 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-453 |  | C A | Closed | FCRE1196 | 2022-10-21 09:46 | 2022-11-03 07:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Received matrix - Due Diligence Vendor-11/03/2022 <br> Ready for Review-Document Uploaded. Please review uploaded Matrix. Max LTV is 80% for Fico 729 . - Seller-11/02/2022 <br> Counter-Finding is valid. Max LTV for a loan where DSCR score is less than 1 is 70% based on 9/7 price sheet - Due Diligence Vendor-10/28/2022 <br> Ready for Review-Borrower's Fico is 729 ,subject property is not a condo, per DSCR Matrix max LTV is 80% - Seller-10/27/2022 <br> Counter-Loan amount $[redacted] (sales price) =71.4% - Due Diligence Vendor-10/25/2022 <br> Ready for Review-LTV 71.40 is actually 70% - Seller-10/24/2022 <br> Open-Audited HLTV of 71.4% exceeds Guideline HCLTV of 70% - Due Diligence Vendor-10/21/2022 | Ready for Review-Document Uploaded. Please review uploaded Matrix. Max LTV is 80% for Fico 729 . - Seller-11/02/2022 <br>Ready for Review-Borrower's Fico is 729 ,subject property is not a condo, per DSCR Matrix max LTV is 80% - Seller-10/27/2022 <br>Ready for Review-LTV 71.40 is actually 70% - Seller-10/24/2022<br>| Resolved-Received matrix - Due Diligence Vendor-11/03/2022<br>|  |  | DSCR_Matrix_9-7.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 702893 |
| XXXXXXX_2023-NQM1-454 |  | C A | Closed | FCRE1166 | 2022-10-19 14:57 | 2022-10-28 11:04 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-replacement cost provided. - Due Diligence Vendor-10/28/2022 <br>Ready for Review-Document Uploaded. Please note, that we have confirmation from the agent that the policy is at 100% replacement cost. You can see it in the attachment. HO6 is also provided. - Seller-10/28/2022 <br>Open-Hazard Insurance Coverage Amount of $371000 is less than Total Amount of Subject Lien(s) of $560000 - Due Diligence Vendor-10/19/2022 | Ready for Review-Document Uploaded. Please note, that we have confirmation from the agent that the policy is at 100% replacement cost. You can see it in the attachment. HO6 is also provided. - Seller-10/28/2022<br>| Resolved-replacement cost provided. - Due Diligence Vendor-10/28/2022<br>|  |  | [redacted]_HO6.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 699629 |
| XXXXXXX_2023-NQM1-455 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-456 |  | B A | Closed | FVAL9739 | 2022-10-20 14:27 | 2022-10-20 14:27 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Acreage is XXX acres - Due Diligence Vendor-10/20/2022 |  | Waived-Acreage is XXXXX acres - Due Diligence Vendor-10/20/2022<br>|  | Revolving debt is under 30%, Residual income >=$3000, DTI >=10% lower than loan program, No credit events past<br> 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last<br> 48 months, LTV 10% below maximum, Credit score >40% than minimum required<br> page 203 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 701592 |
| XXXXXXX_2023-NQM1-457 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-458 |  | B A | Closed | FCRE9806 | 2022-10-21 11:18 | 2022-10-26 04:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding | Waived-Exception Form found on Pg No.192, stating more than 60 days old transferred appraisal - Due Diligence Vendor-10/21/2022 |  | Waived-Exception Form found on Pg No.192, stating more than 60 days old transferred appraisal - Due Diligence Vendor-10/21/2022<br>|  | Compensating Factors: Credit score >40% than minimum required, No consumer late payments in last 48 months, 5+ years credit history, No <br> mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 703233 |
| XXXXXXX_2023-NQM1-459 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-460 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-461 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-462 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-463 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-464 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-465 |  | B A | Closed | FCRE1197 | 2022-10-20 17:11 | 2022-11-01 12:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 670 is less than Guideline FICO of 680 Lender Exception - pg 487. FN , fico 670 No derogatory credit, young credit. - Due Diligence Vendor-10/20/2022 |  | Waived-Audited FICO of 670 is less than Guideline FICO of 680 Lender Exception - pg 487. FN , fico 670 No derogatory credit, young credit. - Due Diligence Vendor-10/20/2022<br>|  | Revolving debt is under 30%, No consumer late payments in last 48 months, No mortgage late payments in last 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 701824 |
| XXXXXXX_2023-NQM1-466 |  | B A | Closed | FCRE8860 | 2022-10-20 17:13 | 2022-11-01 12:37 | Waived | 2 - Non-Material B | Credit | Income/Employment | Audited DSCR does not meet guidelines requirements | Waived-Lender exception - pg 479, Approved exception requires DSCR > or = 1.2 for 70% LTV. DSCR = 1.072. - Due Diligence Vendor-10/20/2022 |  | Waived-Lender exception - pg 479, Approved exception requires DSCR > or = 1.2 for 70% LTV. DSCR = 1.072. - Due Diligence Vendor-10/20/2022<br>|  | Revolving debt is under 30%, No consumer late payments in last 48 months, No mortgage late payments in last 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 701830 |
| XXXXXXX_2023-NQM1-467 |  | C A | Closed | FCRE1194 | 2022-10-20 06:05 | 2022-11-08 08:18 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-AS per pricing on email this is acceptable 2% allowable. - Due Diligence Vendor-11/08/2022 <br>Open-Audited LTV of 71.4% exceeds Guideline LTV of 70% Max ltv 70 as DSCR is less than 1 - Due Diligence Vendor-10/20/2022 |  | Resolved-AS per pricing on email this is acceptable 2% allowable. - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 700051 |
| XXXXXXX_2023-NQM1-468 |  | C B A | Closed | finding-3519 | 2022-10-19 14:34 | 2022-10-28 11:05 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-proof sent 10/10 provided - Due Diligence Vendor-10/28/2022 <br>Ready for Review-Document Uploaded. - Seller-10/27/2022 <br>Open-CD 10/10 sent electronic - Due Diligence Vendor-10/19/2022 | Ready for Review-Document Uploaded. - Seller-10/27/2022<br>| Resolved-proof sent 10/10 provided - Due Diligence Vendor-10/28/2022<br>|  |  | [redacted]_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 699589 |
| XXXXXXX_2023-NQM1-469 |  | C B A | Closed | FVAL9739 | 2022-10-19 12:06 | 2022-10-26 15:06 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-1004D was included in transfer. 1004D subject to, was transferred and done by the original appraiser Need an exception to accept it & not require a new 1004D by a new appraiser who has no idea what repairs were supposed to be done. - Due Diligence Vendor-10/19/2022 |  | Waived-1004D was included in transfer. 1004D subject to, was transferred and done by the original appraiser Need an exception to accept it & not require a new 1004D by a new appraiser who has no idea what repairs were supposed to be done. - Due Diligence Vendor-10/19/2022<br>|  | Pg. 379<br> 5 years on current job, Residual income >=$3000, DTI >=10% lower than loan program, No credit events past 48 months, 5+ years credit history, Credit score >40% than minimum required, Reserves>6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 699331 |
| XXXXXXX_2023-NQM1-470 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-471 |  | B A | Closed | FCOM4028 | 2022-10-21 04:01 | 2022-10-27 14:28 | Resolved | 1 - Information A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.<br>- Due Diligence Vendor-10/27/2022 <br>Ready for Review-The loan has recently closed, recorded documents are not available from the county. - Seller-10/26/2022 <br>Open-Missing evidence of Mortgage recording Evidence of Mortgage sent for Recording is missing in this file. - Due Diligence Vendor-10/24/2022 | Ready for Review-The loan has recently closed, recorded documents are not available from the county. - Seller-10/26/2022<br>| Resolved-- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.<br>- Due Diligence Vendor-10/27/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 702183 |
| XXXXXXX_2023-NQM1-472 |  | B A | Closed | FCRE9806 | 2022-10-21 07:18 | 2022-10-25 10:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding | Waived-Found Exception Page # 868, Condo Questionnaire: 10/07 - Provided condo questioner section 7 #1 is not answered. Currently it is mentioned as<br> "None" as the answer for the inspection date - Due Diligence Vendor-10/21/2022 |  | Waived-Found Exception Page # 868, Condo Questionnaire: 10/07 - Provided condo questioner section 7 #1 is not answered. Currently it is mentioned as<br> "None" as the answer for the inspection date - Due Diligence Vendor-10/21/2022<br>|  | No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last<br> 48 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 702389 |
| XXXXXXX_2023-NQM1-473 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-474 |  | D A | Closed | FCRE1728 | 2022-10-20 07:19 | 2022-12-01 13:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Received 1007 - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. Form 1007 provided - Seller-11/25/2022 <br>Counter-Disagree. Per page 49 of guidelines it states - Note: If rental income from the subject property is not being used to qualify, the gross monthly rent must still be documented with forms 1007 for lender reporting purposes. - Due Diligence Vendor-10/28/2022 <br>Ready for Review-Please note, that the file is a Foreign INC so income here is calculated on the based borrower's actual income, no rental income is there. If we have no rental income in a file that time 1007 is not there. Form 1007 is separately ordered if we are going to do the loan as a DSCR and consider the rental income.<br> - Seller-10/28/2022 <br>Open-missing. per guides needed even if not used to qualify - Due Diligence Vendor-10/20/2022 | Ready for Review-Document Uploaded. Form 1007 provided - Seller-11/25/2022 <br>Ready for Review-Please note, that the file is a Foreign INC so income here is calculated on the based borrower's actual income, no rental income is there. If we have no rental income in a file that time 1007 is not there. Form 1007 is separately ordered if we are going to do the loan as a DSCR and consider the rental income.<br> - Seller-10/28/2022<br>| Resolved-Received 1007 - Due Diligence Vendor-12/01/2022<br>|  |  | [redacted]_Form 1007.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 700169 |
| XXXXXXX_2023-NQM1-475 |  | D A | Closed | FCRE1347 | 2022-10-20 06:56 | 2022-11-01 08:54 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/01/2022 <br>Rescinded-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/20/2022 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/01/2022 <br>Rescinded-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 700120 |
| XXXXXXX_2023-NQM1-476 |  | D A | Closed | FCRE3464 | 2022-10-20 07:18 | 2022-11-01 08:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Received VOE - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. VOE provided - Seller-10/28/2022 <br>Open-Missing VVOE for both borrowers. CPA letters are from July - Due Diligence Vendor-10/20/2022 | Ready for Review-Document Uploaded. VOE provided - Seller-10/28/2022<br>| Resolved-Received VOE - Due Diligence Vendor-11/01/2022<br>|  |  | [redacted]_VOE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 700162 |
| XXXXXXX_2023-NQM1-477 |  | D A | Closed | FCRE8022 | 2022-10-20 07:18 | 2022-11-01 08:53 | Resolved | 1 - Information C A | Credit | Closing | Mortgage Incomplete - Missing Notary | Resolved-Received notary - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Document Uploaded. Please, find the corrected notary acknowledgment attached. Thank you! - Seller-11/01/2022 <br>Open-Notary signature is dated 5/5/22 - Due Diligence Vendor-10/20/2022 | Ready for Review-Document Uploaded. Please, find the corrected notary acknowledgment attached. Thank you! - Seller-11/01/2022<br>| Resolved-Received notary - Due Diligence Vendor-11/01/2022<br>|  |  | [redacted]_CORRECTED NOTARY ACKNOWLEDGEMENT.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 700168 |
| XXXXXXX_2023-NQM1-478 |  | D A | Closed | FCRE1212 | 2022-10-20 07:18 | 2022-10-28 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Partial | Resolved-page 130 is a Memo from builder. Lender has accepted as updated sale price. - Due Diligence Vendor-10/28/2022 <br> Ready for Review-Addendum for final Sale price of $xxxxx is initially uploaded with full credit pkg. Please find it on the 130th page and review. - Seller-10/27/2022 <br> Open-Purchase contract has not been fully provided addendum for final sale price of [redacted] missing - Due Diligence Vendor-10/20/2022 | Ready for Review-Addendum for final Sale price of $xxxxx is initially uploaded with full credit pkg. Please find it on the 130th page and review. - Seller-10/27/2022 | Resolved-page 130 is a Memo from builder. Lender has accepted as updated sale price. - Due Diligence Vendor-10/28/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 700165 |
| XXXXXXX_2023-NQM1-479 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-480 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-481 |  | B A | Closed | FCRE1194 | 2022-10-20 09:21 | 2022-10-20 09:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception found on page 498<br>DSCR ratio under 1 and 75% LTV.<br>Approved with conditions of +0.5 to price, 75% ltv max, DSCR must be >0.87<br>DSCR is .91 now - Due Diligence Vendor-10/20/2022 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception found on page 498<br>DSCR ratio under 1 and 75% LTV.<br>Approved with conditions of +0.5 to price, 75% ltv max, DSCR must be >0.87<br>DSCR is .91 now - Due Diligence Vendor-10/20/2022<br>|  | Reserves>6 months, Credit score >40% than minimum required, Revolving debt is under 30%, No consumer late<br> payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events<br> past 48 months, Several income sources and DTI below 45% |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 700633 |
| XXXXXXX_2023-NQM1-482 |  | B A | Closed | FVAL9739 | 2022-10-20 11:09 | 2022-10-20 11:09 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Transferred Appraisal report & 1004D Recert. Exception is required for the<br> Transferred Appraisal report 1004 day old at the date of submission<br> - Due Diligence Vendor-10/20/2022 |  | Waived-Transferred Appraisal report & 1004D Recert. Exception is required for the<br> Transferred Appraisal report 1004 day old at the date of submission<br> - Due Diligence Vendor-10/20/2022<br>|  | Exception is required for the<br> Transferred Appraisal report 104 day old at the date of submission<br> Pages 480/ 631 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes | 700985 |
| XXXXXXX_2023-NQM1-483 |  | D B A | Closed | FCRE1479 | 2022-10-21 07:29 | 2022-11-21 11:26 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received bank statment - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. August Bank Statement uploaded. Please, review it. - Seller-11/18/2022 <br>Open-Asset Record 1 Does Not Meet G/L Requirements Required 60 days of account statement however available is for account #4428 i.e from 08/28/2022-09/27/2022. Statement from 08/01/2022-- 08/27/2022 is missing. Please provide the same. - Due Diligence Vendor-10/21/2022 | Ready for Review-Document Uploaded. August Bank Statement uploaded. Please, review it. - Seller-11/18/2022<br>| Resolved-Received bank statment - Due Diligence Vendor-11/21/2022<br>|  |  | [redacted]_August Bank Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 702423 |
| XXXXXXX_2023-NQM1-484 |  | D B A | Closed | FCRE7805 | 2022-10-21 07:50 | 2022-11-17 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Received 12 months. - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. December Bank Statement uploaded. Please, review it. - Seller-11/16/2022 <br>Open-The loan is of 12 months bank statement : Bank statement present in the file is for 11 months for the Business bank statement of account #4428. December 2021 bank statement is missing in the file. Please provided the same. - Due Diligence Vendor-10/21/2022 | Ready for Review-Document Uploaded. December Bank Statement uploaded. Please, review it. - Seller-11/16/2022<br>| Resolved-Received 12 months. - Due Diligence Vendor-11/17/2022<br>|  |  | [redacted_December Bank statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 702464 |
| XXXXXXX_2023-NQM1-485 |  | D B A | Closed | FVAL9739 | 2022-10-21 07:58 | 2022-10-21 07:58 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Type :Material: NSF, 9 NSFs. Credit and appraisal attached. <br> (Exception form on page# 582) - Due Diligence Vendor-10/21/2022 |  | Waived-Exception Type :Material: NSF, 9 NSFs. Credit and appraisal attached. <br> (Exception form on page# 582) - Due Diligence Vendor-10/21/2022<br>|  | Residual income >=$3000, DTI >=10% lower than loan program, No credit events past 48 months, No mortgage late<br> payments in last 24 months, 5+ years credit history, LTV 10% below maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes | 702476 |
| XXXXXXX_2023-NQM1-486 |  | B A | Closed | FVAL9739 | 2022-10-21 11:04 | 2022-10-21 11:04 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Type:-Material: Appraisal, <br> Short Description:- Supply/Demand New Construction Neighborhood Analys,<br> Comments:- Appraisal Report, Supporting Letter, Sold Properties Report, Credit Report are attached.<br> Exception Form available on Page.no.303. - Due Diligence Vendor-10/21/2022 |  | Waived-Exception Type:-Material: Appraisal, <br> Short Description:- Supply/Demand New Construction Neighborhood Analys,<br> Comments:- Appraisal Report, Supporting Letter, Sold Properties Report, Credit Report are attached.<br> Exception Form available on Page.no.303. - Due Diligence Vendor-10/21/2022<br>|  | Revolving debt is under 30%, Residual income >=$3000, No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months, LTV 10% below maximum, Credit score >40% than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 703207 |
| XXXXXXX_2023-NQM1-487 |  | C B A | Closed | FCRE8800 | 2022-10-31 06:56 | 2022-11-14 13:46 | Resolved | 1 - Information C A | Credit | Eligibility | Compensating Factors are insufficient to approve Exception Waiver | Resolved-Comp factor received and cleared - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. The updated Exception Form provided - Seller-11/08/2022 <br>Open-Exception in the file for no proof of ownership of other property. However, one of the three compensating factors was no late mortgage payments in the past 24 months. - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. The updated Exception Form provided - Seller-11/08/2022<br>| Resolved-Comp factor received and cleared - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Exception Form.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 715709 |
| XXXXXXX_2023-NQM1-488 |  | C B A | Closed | FCRE7810 | 2022-10-21 08:02 | 2022-11-14 13:46 | Waived | 2 - Non-Material B | Credit | Title | Title issue | Waived-Exception Type - Material: Title <br> Short Description - Client doesn't have evidence of property ownership <br> Comments - Borrower can only provide utilities or proof that property taxes are paid from his account if needed to prove the ownership. Underwriter said not sufficient so must fill out an exception form <br>Exception form available on page no 1190 of 1202 - Due Diligence Vendor-10/21/2022 |  | Waived-Exception Type - Material: Title <br> Short Description - Client doesn't have evidence of property ownership <br> Comments - Borrower can only provide utilities or proof that property taxes are paid from his account if needed to prove the ownership. Underwriter said not sufficient so must fill out an exception form <br>Exception form available on page no 1190 of 1202 - Due Diligence Vendor-10/21/2022<br>|  | Reserves>6 months, No consumer late payments in last 48 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 702478 |
| XXXXXXX_2023-NQM1-489 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-490 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-491 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-492 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-493 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-494 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-495 |  | C A | Closed | finding-3519 | 2022-10-21 10:24 | 2022-11-04 08:53 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Proof of delivery received - Due Diligence Vendor-11/04/2022 <br>Ready for Review-Document Uploaded. Evidence - Seller-11/04/2022 <br>Open-Provide evidence CD 10/14/2022 was sent electronically. - Due Diligence Vendor-10/21/2022 | Ready for Review-Document Uploaded. Evidence - Seller-11/04/2022<br>| Resolved-Proof of delivery received - Due Diligence Vendor-11/04/2022<br>|  |  | [redacted_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 703085 |
| XXXXXXX_2023-NQM1-496 |  | C A | Closed | FCOM4028 | 2022-10-21 05:11 | 2022-11-03 13:59 | Resolved | 1 - Information A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-11/03/2022 <br>Resolved-Missing evidence of Mortgage recording Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/24/2022 |  | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-11/03/2022 <br>Resolved-Missing evidence of Mortgage recording Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-10/24/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 702243 |
| XXXXXXX_2023-NQM1-497 |  | B A | Closed | FCRE1317 | 2022-10-21 07:15 | 2022-10-21 07:15 | Waived | 2 - Non-Material B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-1 10 months EM CREATIONS<br> Comments See CPA letter, S/e since 2019 - Due Diligence Vendor-10/21/2022 |  | Waived-1 10 months EM CREATIONS<br> Comments See CPA letter, S/e since 2019 - Due Diligence Vendor-10/21/2022<br>|  | Revolving debt is under 30%, 5 years on current job, DTI >=10% lower than loan program, No credit events past 48 months, 5+ years credit history, No consumer late payments in last 48 months, Borrower contribution exceeds requirement >=5%<br> page 263 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 702383 |
| XXXXXXX_2023-NQM1-498 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-499 |  | B A | Closed | FCRE1226 | 2022-10-21 08:14 | 2022-10-21 08:16 | Waived | 2 - Non-Material B | Credit | Missing Doc | Appraisal document is incomplete or partial | Waived-Exception found on age 449<br>Appraisal received from XXXXX with missing information, collateral team requesting an exception based on Fannie Mae Guidelines.<br>Approved with conditions of 0.5 in price, DSCR>1 required, AVM required. - Due Diligence Vendor-10/21/2022 |  | Waived-Exception found on age 449<br>Appraisal received from XXXXXXX with missing information, collateral team requesting an exception based on Fannie Mae Guidelines.<br>Approved with conditions of 0.5 in price, DSCR>1 required, AVM required. - Due Diligence Vendor-10/21/2022<br>|  | Credit score >40% than minimum required, Revolving debt is under 30%, No consumer late payments in last 48<br> months, No mortgage late payments in last 24 months, Several income sources and DTI below 45% |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 702500 |
| XXXXXXX_2023-NQM1-500 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-501 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-502 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-503 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-504 |  | D A | Closed | FCRE8728 | 2022-10-21 12:21 | 2022-11-15 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved-Document uploaded clears finding - Due Diligence Vendor-11/15/2022 <br> Ready for Review-Document Uploaded. There is no payment history to provide since the loan [redacted] closed simultaneously. - Seller-11/14/2022 <br> Open-Please provide payment info/history for [redacted]or HUD if a new refi/purchase - Due Diligence Vendor-10/21/2022 | Ready for Review-Document Uploaded. There is no payment history to provide since the loan [redacted]closed simultaneously. - Seller-11/14/2022 | Resolved-Document uploaded clears finding - Due Diligence Vendor-11/15/2022<br>|  |  | [redacted_Final CD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 703406 |
| XXXXXXX_2023-NQM1-505 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-506 |  | D B A | Closed | FCRE8728 | 2022-10-24 12:23 | 2022-11-04 08:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved-Final CD received - Due Diligence Vendor-11/04/2022 <br> Ready for Review-Document Uploaded. Final CDs on requested files provided - Seller-11/04/2022 <br> Open-Please provide payment information for 4 other [redacted] properties reflected on the final 1003. [redacted] or signed copies of CD/HUDs if recently purchased. - Due Diligence Vendor-10/24/2022 | Ready for Review-Document Uploaded. Final CDs on requested files provided - Seller-11/04/2022<br>| Resolved-Final CD received - Due Diligence Vendor-11/04/2022<br>|  |  | [redacted_Final CD.pdf<br> [redacted_Final CD.pdf<br> [redacted_Final CD.pdf<br> [redacted_Final CD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 705443 |
| XXXXXXX_2023-NQM1-507 |  | D B A | Closed | FCRE3599 | 2022-10-24 12:21 | 2022-10-24 12:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Lender Granted exception for 6th loan for same borrower <br>\*\*\*There are only 5 properties reflected on the final 1003\*\*\*<br>See page 374 - Due Diligence Vendor-10/24/2022 |  | Waived-Lender Granted exception for 6th loan for same borrower <br>\*\*\*There are only 5 properties reflected on the final 1003\*\*\*<br>See page 374 - Due Diligence Vendor-10/24/2022<br>|  | Revolving debt is under 30%, Residual income >=$3000, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, Credit score >40% than minimum required, Reserves>6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 705439 |
| XXXXXXX_2023-NQM1-508 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-509 |  | C A | Closed | FCRE1193 | 2022-10-21 17:24 | 2022-12-07 07:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Lender provided tax bill and their system doubled it. Adding correct taxes, we are now under 50 and borrower opts to not carry ins. - Due Diligence Vendor-12/07/2022 <br>Counter-Only way to clear this is with an exception. We have to include taxes and insurance on his home per your guidelines. - Due Diligence Vendor-12/01/2022 <br>Ready for Review-We have LOX in file confirming property is free&clear ,no HOI. We do not need an exception on Insurance since it's borrower's decision to have or not insurance on his properties not managed by an association.<br> DTI is with in guidelines and Matrix requirements-it's below 50%.<br> Calculations :Debts on credit report 208+985= $1193<br> REO Debt<br> 16900= 1303.31<br> 15781= 576.61<br> 15348= 192.70<br> 27410 SW = 715.96 <br> 9951 SW= 916.56<br> 8002 SW= 133.14<br> 16701 SW=172.29<br> 12540 SW= 194.76 <br> 13230 SW B-35= 192.45<br> 13230 A-3= 269.02<br> NEG rent on PITIA =251.36<br> DTI : 6111.16/13681.09\*100=44.66%<br> - Seller-11/30/2022 <br>Counter-Need an exception Not carrying insurance is a risk - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. LOE on every property uploaded. There is no HOI per LOE property is free and clear. Please, review it. - Seller-11/18/2022 <br>Open-Audited DTI of 51.05% exceeds Guideline DTI of 50% $2,606.62 to debt for taxes on the primary and an additional $3,363.49 in rental loss for the taxes on the other 9 properties. No leases were supplied. - Due Diligence Vendor-11/02/2022 | Ready for Review-We have LOX in file confirming property is free&clear ,no HOI. We do not need an exception on Insurance since it's borrower's decision to have or not insurance on his properties not managed by an association.<br> DTI is with in guidelines and Matrix requirements-it's below 50%.<br> Calculations :Debts on credit report 208+985= $1193<br> REO Debt<br> 16900= 1303.31<br> 15781= 576.61<br> 15348= 192.70<br> 27410 SW = 715.96 <br> 9951 SW= 916.56<br> 8002 SW= 133.14<br> 16701 SW=172.29<br> 12540 SW= 194.76 <br> 13230 SW B-35= 192.45<br> 13230 A-3= 269.02<br> NEG rent on PITIA =251.36<br> DTI : 6111.16/13681.09\*100=44.66%<br> - Seller-11/30/2022 <br>Ready for Review-Document Uploaded. LOE on every property uploaded. There is no HOI per LOE property is free and clear. Please, review it. - Seller-11/18/2022<br>| Resolved-Lender provided tax bill and their system doubled it. Adding correct taxes, we are now under 50 and borrower opts to not carry ins. - Due Diligence Vendor-12/07/2022<br>|  |  | [redacted_LOE pkg.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 703852 |
| XXXXXXX_2023-NQM1-510 |  | C B A | Closed | FCRE1440 | 2022-10-22 09:24 | 2022-11-09 05:33 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender addressed : The mortgages for the following addresses [redacted] are not closed yet (one is conditionally approved and the other is on the QC check). Moreover, the borrower applied for another mortgage in [redacted] which is also pending closing - Due Diligence Vendor-11/09/2022 <br> Open-Housing History Does Not Meet Guideline Requirements Housing - Need new [redacted] loan PITI verification for [redacted] in file, + previous pmt history and verification of Primary rental residence obligation of $5K. There are pmts made on bank stmts in file but unclear as to what REO or obligations they relate to. Per Exception in file, page 16, other properties have private mortgages. No private mortgage histories/VOM for REO, except for subject, located in file. PITI Pmts into DTI as stated on 1003 page 50-51. Note - Final 1003 notes the recent [redacted]loans except for [redacted] which appears free and clear entry but reflects a -6K neg rent -(not in DTI) - Due Diligence Vendor-10/22/2022 |  | Resolved-Lender addressed : The mortgages for the following addresses XXXXXX and XXXXXXXXXX are not closed yet (one is conditionally approved and the other is on the QC check). Moreover, the borrower applied for another mortgage in [redacted] which is also pending closing - Due Diligence Vendor-11/09/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 704005 |
| XXXXXXX_2023-NQM1-511 |  | C B A | Closed | FCRE1166 | 2022-10-22 09:42 | 2022-11-04 08:55 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Received insurance RCE - Due Diligence Vendor-11/04/2022 <br> Ready for Review-Document Uploaded. Please see RCE provided - Seller-11/04/2022 <br> Open-Hazard Insurance Coverage Amount of $366800 is less than Total Amount of Subject Lien(s) of [redacted] - Due Diligence Vendor-10/22/2022 | Ready for Review-Document Uploaded. Please see RCE provided - Seller-11/04/2022<br>| Resolved-Received insurance RCE - Due Diligence Vendor-11/04/2022<br>|  |  | [redacted_RCE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 704006 |
| XXXXXXX_2023-NQM1-512 |  | C B A | Closed | FCRE1194 | 2022-10-22 10:04 | 2022-10-22 10:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Page 16. Lender exception to 80% Cash Out Investor - max 75% - Due Diligence Vendor-10/22/2022 |  | Waived-Page 16. Lender exception to 80% Cash Out Investor - max 75% - Due Diligence Vendor-10/22/2022<br>|  | 5 yrs current job, Residual income > $3,000, 10 or more years same line of employment, No credit events past 48 months, No mortgage lates last 24 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 704007 |
| XXXXXXX_2023-NQM1-513 |  | D A | Closed | FCRE4293 | 2022-10-21 20:53 | 2022-11-14 13:47 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Received proof for gift at close and wire - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please see the Final settlement statement confirming that the final gift was $90,900, not $99646.26. - Seller-11/10/2022 <br>Open-$99646.26 was wired for gift at close but only have proof of $90900 wire. Missing proof additional gift funds of $8746.26 was wired by donor - Due Diligence Vendor-10/22/2022 | Ready for Review-Document Uploaded. Please see the Final settlement statement confirming that the final gift was $90,900, not $99646.26. - Seller-11/10/2022<br>| Resolved-Received proof for gift at close and wire - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Final Settlement Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 703883 |
| XXXXXXX_2023-NQM1-514 |  | D A | Closed | FCRE1182 | 2022-10-21 20:52 | 2022-11-08 08:46 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval received - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. Approval provided - Seller-11/04/2022 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/22/2022 | Ready for Review-Document Uploaded. Approval provided - Seller-11/04/2022<br>| Resolved-Approval received - Due Diligence Vendor-11/08/2022<br>|  |  | [redacted_Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 703882 |
| XXXXXXX_2023-NQM1-515 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-516 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-517 |  | B A | Closed | FCRE6696 | 2022-10-25 10:01 | 2022-10-25 10:01 | Waived | 2 - Non-Material B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Lender granted exception for business owner this year.<br>Borrower owning business since earlier this year. The borrower worked<br> at the same company over 5 years and was being paid a commission. The borrower decided to buy the business and became owner as of January 2022. Borrower has been self employed for a long time but as owner of the company he was paid as a 1099 since January.<br>See page 644 - Due Diligence Vendor-10/25/2022 |  | Waived-Lender granted exception for business owner this year.<br>Borrower owning business since earlier this year. The borrower worked<br> at the same company over 5 years and was being paid a commission. The borrower decided to buy the business and became owner as of January 2022. Borrower has been self employed for a long time but as owner of the company he was paid as a 1099 since January.<br>See page 644 - Due Diligence Vendor-10/25/2022<br>|  | Residual income >=$3000, No credit events past 48 months, No mortgage late payments in last 24 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 707071 |
| XXXXXXX_2023-NQM1-518 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-519 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-520 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-521 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXXXXX_2023-NQM1-522 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-523 |  | B A | Closed | FPRO1245 | 2022-10-26 04:27 | 2022-10-26 10:17 | Waived | 2 - Non-Material B | Property | Appraisal | Appraisal is Expired | Waived-Primary Value Appraisal is Expired We Found Exception on (pgno: 36, 1127, 1476). It States that The transferred Appraisal report for this loan is 92 days old at the time of submission and 105 days<br> old today. This is one of two last conditions and the file will go to closing. - Due Diligence Vendor-10/26/2022 |  | Waived-Primary Value Appraisal is Expired We Found Exception on (pgno: 36, 1127, 1476). It States that The transferred Appraisal report for this loan is 92 days old at the time of submission and 105 days<br> old today. This is one of two last conditions and the file will go to closing. - Due Diligence Vendor-10/26/2022<br>|  | No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last<br> 48 months, Credit score >40% than minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 708275 |
| XXXXXXX_2023-NQM1-524 |  | B A | Closed | FCRE7375 | 2022-10-24 15:09 | 2022-10-24 15:09 | Waived | 2 - Non-Material B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-QC not allowing Perm res card ext appl.<br> Comments Purchase .File in QC . Borr in US since small child .He updated adult photo yrs ago and never knew<br> to renew card. LOE and I90 form attached. The I90 states :You remain authorized to work and<br> travel. This notice, presented with your expired Permanent Resident Card, is evidence of your<br> status and work authorization.He has a 15 yr work history, long excellent credit history, not a first<br> time buyer. He has a Wife but not on the loan, has children , W2 employee full doc loan - Due Diligence Vendor-10/24/2022 |  | Waived-QC not allowing Perm res card ext appl.<br> Comments Purchase .File in QC . Borr in US since small child .He updated adult photo yrs ago and never knew<br> to renew card. LOE and I90 form attached. The I90 states :You remain authorized to work and<br> travel. This notice, presented with your expired Permanent Resident Card, is evidence of your<br> status and work authorization.He has a 15 yr work history, long excellent credit history, not a first<br> time buyer. He has a Wife but not on the loan, has children , W2 employee full doc loan - Due Diligence Vendor-10/24/2022<br>|  | 10 years or more in same line of employment, No credit events past 48 months, No mortgage late payments in last 24<br> months, 5+ years credit history, No consumer late payments in last 48 months, LTV 10% below maximum, Credit score<br> >40% than minimum required, Borrower contribution exceeds requirement >=5%<br> Page 589 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 705913 |
| XXXXXXX_2023-NQM1-525 |  | B A | Closed | FCRE9994 | 2022-10-24 10:33 | 2022-10-24 10:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Waived-Exception found on page 391 for LTV<br>Hello Team, this is a great loan with a good borrower. Requesting a guideline exception. This borrower has established credit, Fico of 755, and LTV of 75% based on an estimated value. The borrower purchased this rehab investment home with hard money within the past 6 months. When we close this loan it will be in months 6-12. Need guideline exception on cash-out seasoning to utilize LTV on appraised value instead of purchase price plus repairs. Attached is a copy of the settlement statement, 1003, credit report and estimated value. Thanks for your consideration in approving this request.<br>Approved with conditions of : 1 in PRICE, min 3Y PPP, 6 months reserves, DSCR must be above 1 - Due Diligence Vendor-10/24/2022 |  | Waived-Exception found on page 391 for LTV<br>Hello Team, this is a great loan with a good borrower. Requesting a guideline exception. This borrower has established credit, Fico of 755, and LTV of 75% based on an estimated value. The borrower purchased this rehab investment home with hard money within the past 6 months. When we close this loan it will be in months 6-12. Need guideline exception on cash-out seasoning to utilize LTV on appraised value instead of purchase price plus repairs. Attached is a copy of the settlement statement, 1003, credit report and estimated value. Thanks for your consideration in approving this request.<br>Approved with conditions of : 1 in PRICE, min 3Y PPP, 6 months reserves, DSCR must be above 1 - Due Diligence Vendor-10/24/2022<br>|  | No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 705130 |
| XXXXXXX_2023-NQM1-526 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-527 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-528 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-529 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-530 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-531 |  | D A | Closed | FCRE4293 | 2022-10-25 10:54 | 2022-10-27 14:29 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Received proof of emd - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. Please see the EMD proof provided by UW - Seller-10/27/2022 <br>Open-missing proof EMD $1000 cleared - Due Diligence Vendor-10/25/2022 | Ready for Review-Document Uploaded. Please see the EMD proof provided by UW - Seller-10/27/2022<br>| Resolved-Received proof of emd - Due Diligence Vendor-10/27/2022<br>|  |  | [redacted_EMD proof.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 707207 |
| XXXXXXX_2023-NQM1-532 |  | D A | Closed | FCOM1233 | 2022-10-25 10:54 | 2022-10-27 14:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-New 1003 shows o/o - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. Correct Final 1003 provided - Seller-10/27/2022 <br>Open-declaration questions say they dont intend to occupy. this is O/O - Due Diligence Vendor-10/25/2022 | Ready for Review-Document Uploaded. Correct Final 1003 provided - Seller-10/27/2022<br>| Resolved-New 1003 shows o/o - Due Diligence Vendor-10/27/2022<br>|  |  | [redacted_Final 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 707208 |
| XXXXXXX_2023-NQM1-533 |  | D A | Closed | FCRE1159 | 2022-10-25 05:36 | 2022-12-01 13:35 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received insurance update - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. Evidence of Insurance for Mortgagee uploaded - Seller-11/28/2022 <br>Open-Hazard Insurance Effective Date of 10-31-2022 is after the Note Date of 10-20-2022 - Due Diligence Vendor-10/25/2022 | Ready for Review-Document Uploaded. Evidence of Insurance for Mortgagee uploaded - Seller-11/28/2022<br>| Resolved-Received insurance update - Due Diligence Vendor-12/01/2022<br>|  |  | Evidence of Insurnace.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 706381 |
| XXXXXXX_2023-NQM1-534 |  | D A | Closed | FCRE4293 | 2022-10-25 05:43 | 2022-11-03 07:48 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Received proof of gift - Due Diligence Vendor-11/03/2022 <br>Ready for Review-Document Uploaded. Updated Gift letter is also uploaded. - Seller-11/03/2022 <br>Ready for Review-Document Uploaded. Updated gift funds are $90600, receipt of funds uploaded. Please, review it. - Seller-11/03/2022 <br>Counter-Do not need gift letter, need proof of transfer of funds - Due Diligence Vendor-11/01/2022 <br>Ready for Review-Gift Letter is initially uploaded with complete credit pkg. Please, find it on the page 22 and review. - Seller-10/31/2022 <br>Open-missing proof of donor transfer of $77000 gift at close - Due Diligence Vendor-10/25/2022 | Ready for Review-Document Uploaded. Updated Gift letter is also uploaded. - Seller-11/03/2022 <br>Ready for Review-Document Uploaded. Updated gift funds are $90600, receipt of funds uploaded. Please, review it. - Seller-11/03/2022 <br>Ready for Review-Gift Letter is initially uploaded with complete credit pkg. Please, find it on the page 22 and review. - Seller-10/31/2022<br>| Resolved-Received proof of gift - Due Diligence Vendor-11/03/2022<br>|  |  | [redacted_Receipt of Funds.pdf<br> [redacted_Gift letter $[redacted].pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 706382 |
| XXXXXXX_2023-NQM1-535 |  | B A | Closed | FVAL9739 | 2022-10-26 09:01 | 2022-10-26 09:02 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Type: Material: Appraisal,<br> Short Description: Condotel w/o separate bedroom or full size kitchen and XXX square feet.<br> Comments: Condotel not having a separate bedroom or full size kitchen and no appraisal yet,<br> Exception available on Page no.170,171 - Due Diligence Vendor-10/26/2022 |  | Waived-Exception Type: Material: Appraisal,<br> Short Description: Condotel w/o separate bedroom or full size kitchen and XXX square feet.<br> Comments: Condotel not having a separate bedroom or full size kitchen and no appraisal yet,<br> Exception available on Page no.170,171 - Due Diligence Vendor-10/26/2022<br>|  | Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 708891 |
| XXXXXXX_2023-NQM1-536 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-537 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-538 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-539 |  | A | Closed | FCRE9991 | 2022-10-25 07:59 | 2022-10-27 13:44 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Received - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. Please see updated tape. - Seller-10/27/2022 <br>Open- Lender DSCR 1.1 Audited DSCR 1.53 - Due Diligence Vendor-10/25/2022 | Ready for Review-Document Uploaded. Please see updated tape. - Seller-10/27/2022<br>| Resolved-Received - Due Diligence Vendor-10/27/2022<br>|  |  | Bid Tape NON QM _10-20-2022_October.xlsx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 706627 |
| XXXXXXX_2023-NQM1-540 |  | B A | Closed | FCRE5275 | 2022-10-26 11:24 | 2022-10-26 11:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Asset do not meet guidelines | Waived-Exception Type-Material: Assets<br> Short Description-Borrower is shy of $1MM program requirement<br> Comments-DTI is 40%, we combined paystub, W2, & asset utilization income. Borrower funds post closing will be $500K+. Borrower will be shy $500K of the $1MM requirement. - Due Diligence Vendor-10/26/2022 |  | Waived-Exception Type-Material: Assets<br> Short Description-Borrower is shy of $1MM program requirement<br> Comments-DTI is 40%, we combined paystub, W2, & asset utilization income. Borrower funds post closing will be $500K+. Borrower will be shy $500K of the $1MM requirement. - Due Diligence Vendor-10/26/2022<br>|  | Several income sources and DTI below 45%, Revolving debt is under 30%, DTI >=10% lower than loan program, 10 years or more in same line of employment, No credit events past 48 months, 5+ years credit history, Reserves>6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 709350 |
| XXXXXXX_2023-NQM1-541 |  | B A | Closed | FCRE6843 | 2022-10-26 11:17 | 2022-10-26 11:18 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Exception Type- Material: Assets<br> Short Description-Borrower is shy of $1MM program requirement<br> Comments-DTI is 40%, we combined paystub, W2, & asset utilization income. Borrower funds post closing will<br> be $750K+. Borrower will be shy $250K of the $1MM requirement. - Due Diligence Vendor-10/26/2022 |  | Waived-Exception Type- Material: Assets<br> Short Description-Borrower is shy of $1MM program requirement<br> Comments-DTI is 40%, we combined paystub, W2, & asset utilization income. Borrower funds post closing will<br> be $750K+. Borrower will be shy $250K of the $1MM requirement. - Due Diligence Vendor-10/26/2022<br>|  | Several income sources and DTI below 45%, Revolving debt is under 30%, DTI >=10% lower than loan program, 10<br> years or more in same line of employment, No credit events past 48 months, 5+ years credit history, Reserves>6<br> months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 709324 |
| XXXXXXX_2023-NQM1-542 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-543 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-544 |  | A | Closed | FCRE9991 | 2022-10-25 06:54 | 2022-10-27 13:46 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Received updated data - Due Diligence Vendor-10/27/2022 <br>Ready for Review-Document Uploaded. updated lock uploaded - Seller-10/26/2022 <br>Open-loan closed at 9.25. rate lock has 8.875 - Due Diligence Vendor-10/25/2022 | Ready for Review-Document Uploaded. updated lock uploaded - Seller-10/26/2022<br>| Resolved-Received updated data - Due Diligence Vendor-10/27/2022<br>|  |  | [redacted_please see updated lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 706438 |
| XXXXXXX_2023-NQM1-545 |  | B A | Closed | FCRE1493 | 2022-10-25 12:38 | 2022-10-25 12:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception on page 319<br>Tradeline count does not meet reqs<br>Approved with conditions of +0.5 hit to price (max final price 98.625), DSCR must be >1 - Due Diligence Vendor-10/25/2022 |  | Waived-Exception on page 319<br>Tradeline count does not meet reqs<br>Approved with conditions of +0.5 hit to price (max final price 98.625), DSCR must be >1 - Due Diligence Vendor-10/25/2022<br>|  | Reserves>6 months, No consumer late payments in last 48 months, 5+ years credit history, No credit events past 48<br> months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 707444 |
| XXXXXXX_2023-NQM1-546 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-547 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-548 |  | C B A | Closed | FCRE5275 | 2022-10-25 13:01 | 2022-11-14 13:58 | Resolved | 1 - Information C A | Credit | Eligibility | Asset do not meet guidelines | Resolved-Statement loaded up clear findings - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Statements provided - Seller-11/09/2022 <br>Open-Please provide a second month statement for Chase 8162. Page 148 internet print out covers 9/15/2022 - 10/17/2022 only. - Due Diligence Vendor-10/25/2022 | Ready for Review-Document Uploaded. Statements provided - Seller-11/09/2022<br>| Resolved-Statement loaded up clear findings - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted - assets -[redacted - 2022 - (7-30 to 8-31) - $[redacted].pdf<br> [redacted - assets - [redacted - 2022 - (9-1 to 9-30) - $[redacted].pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 707493 |
| XXXXXXX_2023-NQM1-549 |  | C B A | Closed | FCOM5814 | 2022-10-25 13:41 | 2022-11-08 08:49 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received proof of delivery - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. Evidence CD 10/21/2022 was sent electronically uploaded - Seller-11/07/2022 <br>Open-Provide evidence CD 10/21/2022 was sent electronically. - Due Diligence Vendor-10/25/2022 | Ready for Review-Document Uploaded. Evidence CD 10/21/2022 was sent electronically uploaded - Seller-11/07/2022<br>| Resolved-Received proof of delivery - Due Diligence Vendor-11/08/2022<br>|  |  | Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 707550 |
| XXXXXXX_2023-NQM1-550 |  | C B A | Closed | FCRE6696 | 2022-10-25 12:54 | 2022-10-25 12:54 | Waived | 2 - Non-Material B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Lender Granted Exception for self empl in current job less than 2 yrs<br>See page 535 - Due Diligence Vendor-10/25/2022 |  | Waived-Lender Granted Exception for self empl in current job less than 2 yrs<br>See page 535 - Due Diligence Vendor-10/25/2022<br>|  | Revolving debt is under 30%, DTI >=10% lower than loan program, No credit events past 48 months, No consumer late payments in last 48 months, Credit score >40% than minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 707483 |
| XXXXXXX_2023-NQM1-551 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-552 |  | B A | Closed | FCRE1197 | 2022-10-28 07:22 | 2022-10-28 07:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 674 is less than Guideline FICO of 680 Found [redacted] in pg 431 states 70% LTV with 674 FICO as opposed to 680 FICO. - Due Diligence Vendor-10/28/2022 |  | Waived-Audited FICO of 674 is less than Guideline FICO of 680 Found [redacted] in pg 431 states 70% LTV with 674 FICO as opposed to 680 FICO. - Due Diligence Vendor-10/28/2022<br>|  | 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 713224 |
| XXXXXXX_2023-NQM1-553 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-554 |  | C B A | Closed | finding-3631 | 2022-10-26 10:14 | 2022-11-28 09:10 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-corrected CD and COC provided. - Due Diligence Vendor-11/28/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/28/2022 <br>Counter-COC provided is in file, however this is failing due to the initial closing disclosure is 2 days prior to final closing disclosure - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Please, find the initial Closing Disclosure package uploaded in the File Uploads merged in 1010808_Closing docs.pdf (pp.688-736). Thank you! - Seller-11/07/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Provide the missing initial Closing Disclosure. - Due Diligence Vendor-10/26/2022 | Ready for Review-Please, find the initial Closing Disclosure package uploaded in the File Uploads merged in [redacted]_Closing docs.pdf (pp.688-736). Thank you! - Seller-11/07/2022 | Resolved-corrected CD and COC provided. - Due Diligence Vendor-11/28/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 709144 |
| XXXXXXX_2023-NQM1-555 |  | C B A | Closed | finding-3632 | 2022-10-26 10:14 | 2022-11-28 09:10 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-corrected CD and COC provided. - Due Diligence Vendor-11/28/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/28/2022 <br>Counter-COC provided is in file, however this is failing due to the initial closing disclosure is 2 days prior to final closing disclosure - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Please see page 688 of "1010808_Closing docs" - Seller-11/04/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Provide the missing initial Closing Disclosure. - Due Diligence Vendor-10/26/2022 | Ready for Review-Please see page 688 of "[redacted]" - Seller-11/04/2022 | Resolved-corrected CD and COC provided. - Due Diligence Vendor-11/28/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 709145 |
| XXXXXXX_2023-NQM1-556 |  | C B A | Closed | finding-3634 | 2022-10-26 10:14 | 2022-11-28 09:10 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-corrected CD and COC provided. - Due Diligence Vendor-11/28/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/28/2022 <br>Counter-COC provided is in file, however this is failing due to the initial closing disclosure is 2 days prior to final closing disclosure - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. Please see COC Form on page 233 of the 1010808_Closing docs.pdf. Also attach it here - Seller-11/04/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $800.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Provide the missing initial Closing Disclosure. - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. Please see COC Form on page 233 of the [redacted].pdf. Also attach it here - Seller-11/04/2022 | Resolved-corrected CD and COC provided. - Due Diligence Vendor-11/28/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/28/2022<br>|  |  | [redacted_CD COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 709147 |
| XXXXXXX_2023-NQM1-557 |  | C B A | Closed | finding-3532 | 2022-10-26 10:14 | 2022-11-28 08:15 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Ready for Review-Document Uploaded. - Due Diligence Vendor-11/28/2022 <br>Counter-COC provided is in file, however this is failing due to the initial closing disclosure is 2 days prior to final closing disclosure - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. - Seller-11/04/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Loan Closed 10/19/2022. Earliest CD in file is dated 10/17/2022. Provide the missing initial Closing Disclosure. - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. - Seller-11/04/2022<br>|  |  |  | [redacted_Proof.pdf<br> coc 10.10.pdf<br> 3 day CD 10.10.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 709140 |
| XXXXXXX_2023-NQM1-558 |  | C B A | Closed | FCRE6763 | 2022-11-03 16:41 | 2022-11-03 16:41 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-8 NSF in last 12 - Due Diligence Vendor-11/03/2022 |  | Waived-8 NSF in last 12 - Due Diligence Vendor-11/03/2022<br>|  | page 500<br> 5 years on current job, DTI >=10% lower than loan program, No mortgage late payments in last 24 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 723146 |
| XXXXXXX_2023-NQM1-559 |  | C B A | Closed | FCRE1444 | 2022-10-26 14:46 | 2022-11-18 07:49 | Resolved | 1 - Information C A | Credit | Borrower | Credit report incomplete | Resolved-added [redacted] in and credit update shows cap one paid. still under 55% - Due Diligence Vendor-11/18/2022 <br> Resolved-Full Credit Report is Provided - Due Diligence Vendor-11/18/2022 <br> Open-need proof of why [redacted] one were not counted in DTI. No proof paid. if included this DTI is over 55% If we cannot prove exclusion, we will have to count and the loan will be over 55% - Due Diligence Vendor-10/26/2022 |  | Resolved-added Macys CBNA in and credit update shows cap one paid. still under 55% - Due Diligence Vendor-11/18/2022 <br>Resolved-Full Credit Report is Provided - Due Diligence Vendor-11/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 710087 |
| XXXXXXX_2023-NQM1-560 |  | C B A | Closed | FCRE8611 | 2022-10-26 06:12 | 2022-10-26 06:12 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Joint business account, only the owner on 1003<br> Comments The borrower is 100% owner of the business and depositing all income to his joint account with his wife. The wife does not deposit. - Due Diligence Vendor-10/26/2022 |  | Waived-Joint business account, only the owner on 1003<br> Comments The borrower is 100% owner of the business and depositing all income to his joint account with his wife. The wife does not deposit. - Due Diligence Vendor-10/26/2022<br>|  | No credit events past 48 months, No mortgage late payments in last 24 months, LTV 10% below maximum,<br> Reserves>6 months<br> page 653 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 708344 |
| XXXXXXX_2023-NQM1-561 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-562 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-563 |  | C A | Closed | finding-3837 | 2022-10-25 13:38 | 2022-11-08 09:00 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Initial Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Proof of elec delivery received - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. Proof provided - Seller-11/07/2022 <br>Open-proof LE dated 9/20 sent electronic - Due Diligence Vendor-10/25/2022 | Ready for Review-Document Uploaded. Proof provided - Seller-11/07/2022<br>| Resolved-Proof of elec delivery received - Due Diligence Vendor-11/08/2022<br>|  |  | [redacted_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 707549 |
| XXXXXXX_2023-NQM1-564 |  | C A | Closed | FCRE8850 | 2022-10-26 10:39 | 2022-10-28 11:09 | Resolved | 1 - Information C A | Credit | Assets | Foreign National- bank/credit reference letter missing | Resolved-Letter provided - Due Diligence Vendor-10/28/2022 <br>Ready for Review-Document Uploaded. LOE provided - Seller-10/27/2022 <br>Open- - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. LOE provided - Seller-10/27/2022<br>| Resolved-Letter provided - Due Diligence Vendor-10/28/2022<br>|  |  | [redacted_Letter of explanation.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 709241 |
| XXXXXXX_2023-NQM1-565 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-566 |  | C B A | Closed | FCRE1194 | 2022-11-01 09:30 | 2022-12-01 13:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception: LTV more than 70% ,where DSCR is 0.98<br> - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. Please, find the exception form attached. Thank you! - Seller-11/22/2022 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Calculated DSCR was 0.98. Originator used 1.49 based on $7500 per month in rental income. No proof of rent found in the file. Max LTV for DSCR less than 1.0 is 70%. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. Please, find the exception form attached. Thank you! - Seller-11/22/2022<br>| Waived-Exception: LTV more than 70% ,where DSCR is 0.98<br> - Due Diligence Vendor-12/01/2022<br>|  | Borrower FICO 803, low credit utilization, no mortgage late payments past 48 month | [redacted _exception for DSCR LTV - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 718073 |
| XXXXXXX_2023-NQM1-567 |  | C A | Closed | FCRE1166 | 2022-10-26 11:21 | 2022-11-08 09:01 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Replacement cost received - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Please, find the Replacement cost estimation uploaded in the File Uploads merged in 1009393_Harris.pdf (p.433). As the replacement cost estimation is less than the coverage amount, we are good to proceed with the current policy. Thank you! - Seller-11/08/2022 <br>Open-Hazard Insurance Coverage Amount of $102000 is less than Total Amount of Subject Lien(s) of $123750 - Due Diligence Vendor-10/26/2022 | Ready for Review-Please, find the Replacement cost estimation uploaded in the File Uploads merged in 1009393_Harris.pdf (p.433). As the replacement cost estimation is less than the coverage amount, we are good to proceed with the current policy. Thank you! - Seller-11/08/2022<br>| Resolved-Replacement cost received - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 709342 |
| XXXXXXX_2023-NQM1-568 |  | C A | Closed | FCRE1182 | 2022-10-26 11:31 | 2022-11-08 09:01 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. Approval provided - Seller-11/07/2022 <br>Open-Missing Approval/Underwriting Summary no 1008 or approval in file. - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. Approval provided - Seller-11/07/2022<br>| Resolved-Received approval - Due Diligence Vendor-11/08/2022<br>|  |  | [redacted_Approval.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 709371 |
| XXXXXXX_2023-NQM1-569 |  | D B A | Closed | FCRE4293 | 2022-10-26 14:07 | 2022-11-08 09:03 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Received gift proof - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. Gift letters uploaded - Seller-11/08/2022 <br>Open-missing proof donors transferred 2 gifts to close for $178000 - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. Gift letters uploaded - Seller-11/08/2022<br>| Resolved-Received gift proof - Due Diligence Vendor-11/08/2022<br>|  |  | Gift letters.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 709972 |
| XXXXXXX_2023-NQM1-570 |  | D B A | Closed | FCRE1166 | 2022-10-26 13:56 | 2022-11-08 09:02 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Received insurance coverage proof - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. Please find HO3 attached. You can see that the insurance policy covers 125% of replacement cost. - Seller-11/07/2022 <br>Open-Hazard Insurance Coverage Amount of $350000 is less than Total Amount of Subject Lien(s) of $860000 need cost estimator - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. Please find HO3 attached. You can see that the insurance policy covers 125% of replacement cost. - Seller-11/07/2022<br>| Resolved-Received insurance coverage proof - Due Diligence Vendor-11/08/2022<br>|  |  | [redacted_HO3 10218-10220.pdf<br> [redacted_HO3 10224.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 709931 |
| XXXXXXX_2023-NQM1-571 |  | D B A | Closed | FCRE5275 | 2022-10-26 14:08 | 2022-10-26 14:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Asset do not meet guidelines | Waived-Accept 10% Gift for DP &CC presold .5 hit to cost<br> Comments program requires 20% down Exception to use 10% Gift & 10% of his own (1)Cash to close is<br> $235,083.78 and Reserves required are $22,597.26 , borrower is short of $58,559.81 to meet the requirement - Due Diligence Vendor-10/26/2022 |  | Waived-Accept 10% Gift for DP &CC presold .5 hit to cost<br> Comments program requires 20% down Exception to use 10% Gift & 10% of his own (1)Cash to close is<br> $235,083.78 and Reserves required are $22,597.26 , borrower is short of $58,559.81 to meet the requirement - Due Diligence Vendor-10/26/2022<br>|  | No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, Credit score >40% than minimum required<br> Page 885 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 709981 |
| XXXXXXX_2023-NQM1-572 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-573 |  | C B A | Closed | FCRE1194 | 2022-10-26 11:31 | 2022-12-01 13:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception: Loan did not meet the DSCR requirement of having LTV less than 70% if DSCR ratio is less than 1 - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. Please, find the exception form attached. Thank you! - Seller-11/22/2022 <br>Counter-Uploaded doc proves DSCR is under 1 but guidelines only allow for 70% not 75% like this loan is - Due Diligence Vendor-11/02/2022 <br>Ready for Review-Document Uploaded. Please, find the updated Lock Confirmation reflecting the new DSCR ratio attached. Regarding the LTV, the borrower is a Permanent Resident and the property is located in Desoto, TX. Therefore, the max LTV is 80% (we have 75%) according to Non-QM Guidelines and Product Matrix. Thank you!<br> - Seller-11/02/2022 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% DSCR is .94. Taxes on page 21 closing are5193 ($432/mo). This is causing DSCR to go below 1. - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. Please, find the exception form attached. Thank you! - Seller-11/22/2022 <br>Ready for Review-Document Uploaded. Please, find the updated Lock Confirmation reflecting the new DSCR ratio attached. Regarding the LTV, the borrower is a Permanent Resident and the property is located in Desoto, TX. Therefore, the max LTV is 80% (we have 75%) according to Non-QM Guidelines and Product Matrix. Thank you!<br> - Seller-11/02/2022<br>| Waived-Exception: Loan did not meet the DSCR requirement of having LTV less than 70% if DSCR ratio is less than 1 - Due Diligence Vendor-12/01/2022<br>|  | Borrower FICO 702, low credit utilization, no mortgage late payment during 22 months, reserves > than 3 months | [redacted_Lock Confirmation.pdf<br> [redacted_exception for DSCR LTV - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 709377 |
| XXXXXXX_2023-NQM1-574 |  | C B A | Closed | FCRE1197 | 2022-10-26 11:31 | 2022-11-02 14:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Used updated credit scores - Due Diligence Vendor-11/02/2022 <br> Ready for Review-Document Uploaded. Borrower's FICO is 702, MAX LTV based to DSCR matrix is 75%. Please refer to the updated Credit Report 10/11/2022. You can find it in attachment. - Seller-11/01/2022 <br> Counter-According to 9/7 rate sheet, this loan is 75% ltv minimum fico is 700 - Due Diligence Vendor-11/01/2022 <br> Ready for Review-As per [redacted] guidelines effective 09.06.2022, the minimum FICO for DSCR loans is 620. - Seller-10/28/2022 <br> Open-Audited FICO of 697 is less than Guideline FICO of 700 minimum score for 75% is 700 - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. Borrower's FICO is 702, MAX LTV based to DSCR matrix is 75%. Please refer to the updated Credit Report 10/11/2022. You can find it in attachment. - Seller-11/01/2022 <br>Ready for Review-As per A&D guidelines effective 09.06.2022, the minimum FICO for DSCR loans is 620. - Seller-10/28/2022<br>| Resolved-Used updated credit scores - Due Diligence Vendor-11/02/2022<br>|  |  | [redacted_Credit Report 10-11-22.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 709375 |
| XXXXXXX_2023-NQM1-575 |  | D A | Closed | FCOM1477 | 2022-10-26 10:20 | 2022-10-28 11:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-lock provided. - Due Diligence Vendor-10/28/2022 <br>Ready for Review-Document Uploaded. Lock confirmation provided - Seller-10/28/2022 <br>Open-Evidence of Rate Lock Missing and Occupancy status captured on the 1003 Page is 'Primary Residence'. - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. Lock confirmation provided - Seller-10/28/2022<br>| Resolved-lock provided. - Due Diligence Vendor-10/28/2022<br>|  |  | [redacted_Lock confirmation (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 709171 |
| XXXXXXX_2023-NQM1-576 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-577 |  | B A | Closed | FCRE6843 | 2022-10-26 16:18 | 2022-10-26 16:18 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Lender Granted Exception for Down Payment. 7% of the required down payment is coming from a gift. The borrower's down payment total is $112,000 but the requires is $120,000.<br>See page 617 - Due Diligence Vendor-10/26/2022 |  | Waived-Lender Granted Exception for Down Payment. 7% of the required down payment is coming from a gift. The borrower's down payment total is $112,000 but the requires is $120,000.<br>See page 617 - Due Diligence Vendor-10/26/2022<br>|  | No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 710338 |
| XXXXXXX_2023-NQM1-578 |  | C A | Closed | FCRE1501 | 2022-10-27 07:47 | 2022-11-15 09:34 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $99804.03 is equal to or greater than Total Required Reserve Amount of $17033.88 Proceeds from refi clears finding - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. Please, find attached the Final CD for another Refinanced property. It states that the borrower should have sufficient funds in reserves for at least 12 months. Thank you! - Seller-11/15/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $10508.03 is less than Total Required Reserve Amount of $17033.88 Borrower's FN checking assets $10,508.03 only covers 7.4 months in Reserves - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. Please, find attached the Final CD for another Refinanced property. It states that the borrower should have sufficient funds in reserves for at least 12 months. Thank you! - Seller-11/15/2022<br>| Resolved-Total Qualified Assets for Reserves Post-Close of $99804.03 is equal to or greater than Total Required Reserve Amount of $17033.88 Proceeds from refi clears finding - Due Diligence Vendor-11/15/2022<br>|  |  | [redacted_[redacted]_Final CD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 711067 |
| XXXXXXX_2023-NQM1-579 |  | C A | Closed | FCRE1198 | 2022-10-29 18:18 | 2022-12-05 09:07 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Exception: Audited Reserves are less than Guideline Required Reserves of 12 months - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. Exception Form provided - Seller-11/21/2022 <br>Open-Audited Reserves of 7.43 month(s) are less than Guideline Required Reserves of 12 month(s) 12 month reserves required $16970.28, Borrower's FN checking (page 17 & 593) assets $10,508.03 only covers 7.43 months in Reserves, Assets short $6462.25 - Due Diligence Vendor-10/30/2022 | Ready for Review-Document Uploaded. Exception Form provided - Seller-11/21/2022<br>| Resolved-Exception: Audited Reserves are less than Guideline Required Reserves of 12 months - Due Diligence Vendor-11/21/2022<br>|  |  | [redacted_Exception Form.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 715178 |
| XXXXXXX_2023-NQM1-580 |  | C A | Closed | FCRE1198 | 2022-10-31 01:41 | 2022-11-15 09:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Proceeds from refi of other properties clears finding - Due Diligence Vendor-11/15/2022 <br>Open-Audited Reserves of 7.33 month(s) are less than Guideline Required Reserves of 12 month(s) Audited Reserves of 7.33 months are less than Guideline Required Reserves of 12 months - Due Diligence Vendor-10/31/2022 |  | Resolved-Proceeds from refi of other properties clears finding - Due Diligence Vendor-11/15/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 715514 |
| XXXXXXX_2023-NQM1-581 |  | C A | Closed | FCRE1501 | 2022-10-31 01:25 | 2022-11-15 09:31 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $189330.25 is equal to or greater than Total Required Reserve Amount of $17202.24 Received post close proceeds to clear finding - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. Please, find attached the Final CDs for another properties borrower has refinanced same day. It states that the borrower should have sufficient funds in reserves for at least 12 months. Thank you! - Seller-11/15/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $10508.29 is less than Total Required Reserve Amount of $17202.24 Total Qualified Assets for Reserves Post-Close of $10508.29 is less than Total Required Reserve Amount of $17202.2,there is shortage of Assets $6693.95 - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. Please, find attached the Final CDs for another properties borrower has refinanced same day. It states that the borrower should have sufficient funds in reserves for at least 12 months. Thank you! - Seller-11/15/2022<br>| Resolved-Total Qualified Assets for Reserves Post-Close of $189330.25 is equal to or greater than Total Required Reserve Amount of $17202.24 Received post close proceeds to clear finding - Due Diligence Vendor-11/15/2022<br>|  |  | [redacted_Final CD.pdf<br> [redacted_Final CD.pdf<br> [redacted_Final CD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 715501 |
| XXXXXXX_2023-NQM1-582 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-583 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-584 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-585 |  | C B A | Closed | FCOM9208 | 2022-10-27 07:04 | 2022-11-14 14:03 | Resolved | 1 - Information C A | Compliance | Disclosure | Initial Loan Estimate delivered more than 3 business days from application | Resolved-Proof of sign received - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. eSign certificate provided - Seller-11/09/2022 <br>Open-proof LE dated 10/7 sent electronic - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. eSign certificate provided - Seller-11/09/2022<br>| Resolved-Proof of sign received - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_eSign Certificate.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 710973 |
| XXXXXXX_2023-NQM1-586 |  | C B A | Closed | finding-3631 | 2022-10-27 07:18 | 2022-11-14 14:02 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC clears finding - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please, see attached. Thank you! - Seller-11/11/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. Please, see attached. Thank you! - Seller-11/11/2022<br>| Resolved-COC clears finding - Due Diligence Vendor-11/14/2022<br>|  |  | CD COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 710998 |
| XXXXXXX_2023-NQM1-587 |  | C B A | Closed | finding-3632 | 2022-10-27 07:18 | 2022-11-14 14:02 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC clears finding - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please, see attached. Thank you! - Seller-11/11/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. Please, see attached. Thank you! - Seller-11/11/2022<br>| Resolved-COC clears finding - Due Diligence Vendor-11/14/2022<br>|  |  | CD COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 710999 |
| XXXXXXX_2023-NQM1-588 |  | C B A | Closed | finding-3634 | 2022-10-27 07:18 | 2022-11-14 14:02 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC clears finding - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please, see attached. Thank you! - Seller-11/11/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $195.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Discount points increased at closing from 2437.50 on 10/10 to $2632.50 at close. No COC - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. Please, see attached. Thank you! - Seller-11/11/2022<br>| Resolved-COC clears finding - Due Diligence Vendor-11/14/2022<br>|  |  | CD COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 711000 |
| XXXXXXX_2023-NQM1-589 |  | C B A | Closed | FVAL9739 | 2022-10-27 06:52 | 2022-10-27 06:52 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Property De-Listed after submission - Due Diligence Vendor-10/27/2022 |  | Waived-Property De-Listed after submission - Due Diligence Vendor-10/27/2022<br>|  | No credit events past 48 months, No mortgage late payments in last 24 months, Borrower contribution exceeds<br> requirement >=5%<br> Pg. 304 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 710954 |
| XXXXXXX_2023-NQM1-590 |  | D B C A | Closed | FCRE1964 | 2022-10-27 05:25 | 2022-12-05 13:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received corrected p&L - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. Please, find attached the P&L for Oct 2020 - Sep 2021. Thank you! - Seller-12/02/2022 <br>Open-P/L seems to have a typo. it only shows 1 year. Should reflect Oct 2020 as start or missing an additional yr. P/L. Income calculated at 24 months and locked at 2 yr P/L - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. Please, find attached the P&L for Oct 2020 - Sep 2021. Thank you! - Seller-12/02/2022<br>| Resolved-Received corrected p&L - Due Diligence Vendor-12/05/2022<br>|  |  | [redacted_PNL [redacted] [redacted 2020 2021.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 710873 |
| XXXXXXX_2023-NQM1-591 |  | D B C A | Closed | FCRE1194 | 2022-10-27 05:23 | 2022-12-01 13:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception :Audited LTV exceeds Guideline LTV of 70%, subject property is rural. - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. Exception form uploaded. Please, review it. - Seller-11/22/2022 <br>Open-Audited LTV of 78.75% exceeds Guideline LTV of 70% LTV is 70% because property is rural - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. Exception form uploaded. Please, review it. - Seller-11/22/2022<br>| Waived-Exception :Audited LTV exceeds Guideline LTV of 70%, subject property is rural. - Due Diligence Vendor-12/01/2022<br>|  | Reserves > 3 months, DTI>10% lower than loan program No credits Events past 48 | [redacted_Exception (LTV) signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 710872 |
| XXXXXXX_2023-NQM1-592 |  | D B C A | Closed | FCOM9967 | 2022-10-27 14:42 | 2022-11-14 14:03 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Loan Estimate Deficiency | Resolved-Proof of e signed received - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. eSign Certificate provided - Seller-11/09/2022 <br>Open-proof LE dated 10/18 sent electronic - Due Diligence Vendor-10/27/2022 | Ready for Review-Document Uploaded. eSign Certificate provided - Seller-11/09/2022<br>| Resolved-Proof of e signed received - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_eSign Certificate.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 712454 |
| XXXXXXX_2023-NQM1-593 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-594 |  | B A | Closed | FPRO1245 | 2022-10-27 08:51 | 2022-10-27 08:58 | Waived | 2 - Non-Material B | Property | Appraisal | Appraisal is Expired | Waived-Primary Value Appraisal is Expired Exception found on page 424<br>Approved with conditions of ok with AVM and 15 days to close from the expiration date - Due Diligence Vendor-10/27/2022 |  | Waived-Primary Value Appraisal is Expired Exception found on page 424<br>Approved with conditions of ok with AVM and 15 days to close from the expiration date - Due Diligence Vendor-10/27/2022<br>|  | Revolving debt is under 30%, Residual income >=$3000, No credit events past 48 months, 5+ years credit history, No<br> consumer late payments in last 48 months, LTV 10% below maximum, Credit score >40% than minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 711272 |
| XXXXXXX_2023-NQM1-595 |  | D A | Closed | FCRE3464 | 2022-10-31 06:36 | 2022-11-21 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Received voe - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. VOE uploaded - Seller-11/18/2022 <br>Open-missing proof S/E within 20 days. Dept of State print outs are not dated (page 809) - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. VOE uploaded - Seller-11/18/2022<br>| Resolved-Received voe - Due Diligence Vendor-11/21/2022<br>|  |  | VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 715694 |
| XXXXXXX_2023-NQM1-596 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-597 |  | C A | Closed | FCRE1501 | 2022-11-01 14:02 | 2022-11-15 09:43 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $17617 is equal to or greater than Total Required Reserve Amount of $17226.66 - Due Diligence Vendor-11/15/2022 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $28117 is equal to or greater than Total Required Reserve Amount of $17226.66 Statement identified clears finding - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Bank Statement on the page 98 was rejected as a VOD because it does not have a start and end date. We are using the 2 months bank statements to document reserves of $17,617.80 from Bank of America account #3536 from the period of 7/13 – 9/13 (bank statements are in the file). Please, review it. - Seller-11/07/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $16846.97 is less than Total Required Reserve Amount of $17226.66 - Due Diligence Vendor-11/01/2022 | Ready for Review-Bank Statement on the page 98 was rejected as a VOD because it does not have a start and end date. We are using the 2 months bank statements to document reserves of $17,617.80 from [redacted] from the period of 7/13 – 9/13 (bank statements are in the file). Please, review it. - Seller-11/07/2022 | Resolved-Total Qualified Assets for Reserves Post-Close of $17617 is equal to or greater than Total Required Reserve Amount of $17226.66 - Due Diligence Vendor-11/15/2022 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $28117 is equal to or greater than Total Required Reserve Amount of $17226.66 Statement identified clears finding - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 718740 |
| XXXXXXX_2023-NQM1-598 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-599 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-600 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-601 |  | B A | Closed | FVAL9739 | 2022-11-01 10:34 | 2022-11-01 10:34 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-condo hotel with kitchenette & no separate bedroom<br> Comments Great property in Fontainebleau - Due Diligence Vendor-11/01/2022 |  | Waived-condo hotel with kitchenette & no separate bedroom<br> Comments Great property in Fontainebleau - Due Diligence Vendor-11/01/2022<br>|  | Experienced investor with 2+ investment properties, Credit score >40% than minimum required, 2+ borrowers on the<br> loan, No mortgage late payments in last 24 months, No credit events past 48 months<br> Pg. 793 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 718236 |
| XXXXXXX_2023-NQM1-602 |  | C A | Closed | FCRE1194 | 2022-11-04 08:56 | 2022-11-14 14:04 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-2% fees as per guideline allowed - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Please, find the final Lock confirmation uploaded in Files Uploads merged in 1027850_complete borrower pkg.pdf (p. 483). As per Lock confirmation, 2 % financed should decrease the original LTV to the acceptable point. Thank you! - Seller-11/08/2022 <br>Open-Audited LTV of 66.3% exceeds Guideline LTV of 65% Max LTV for 666 credit score is 65% - Due Diligence Vendor-11/07/2022 | Ready for Review-Please, find the final Lock confirmation uploaded in Files Uploads merged in [redacted]_complete borrower pkg.pdf (p. 483). As per Lock confirmation, 2 % financed should decrease the original LTV to the acceptable point. Thank you! - Seller-11/08/2022 | Resolved-2% fees as per guideline allowed - Due Diligence Vendor-11/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 724072 |
| XXXXXXX_2023-NQM1-603 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-604 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-605 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-606 |  | D A C | Closed | FCOM1257 | 2022-10-31 10:18 | 2022-11-08 09:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-Received COC - Due Diligence Vendor-11/08/2022 <br>Open-COC missing credit report fee increased from $45 to $218.60 on 10/13/2022 and 2.25% of Loan Amount (Points) fees increased from $6412.50 $9618.75 on 10182022 - Due Diligence Vendor-10/31/2022 |  | Resolved-Received COC - Due Diligence Vendor-11/08/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 716153 |
| XXXXXXX_2023-NQM1-607 |  | D A C | Closed | finding-3634 | 2022-10-31 09:46 | 2022-11-08 09:13 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC clears finding - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. Please find COC attached - Seller-11/07/2022 <br>Counter-Points increased from $6413 to $7801.88 in the final CD Need COC - Due Diligence Vendor-11/03/2022 <br>Ready for Review-Document Uploaded. Please see the 3-day CD and Final CD attached. We can see section A has decreased from $19,801.25 to $16,284.38. Points of Loan Amount decreased from $9618.75 to $7,801.88 - Seller-11/03/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,388.88.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). 2.25% of Loan Amount (Points) fees increased from $6412.50 $9618.75 on 10182022 - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. Please find COC attached - Seller-11/07/2022 <br>Ready for Review-Document Uploaded. Please see the 3-day CD and Final CD attached. We can see section A has decreased from $19,801.25 to $16,284.38. Points of Loan Amount decreased from $9618.75 to $7,801.88 - Seller-11/03/2022<br>| Resolved-COC clears finding - Due Diligence Vendor-11/08/2022<br>|  |  | [redacted_Final CD.pdf<br> [redacted_3-day CD.pdf<br> [redacted_COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 716069 |
| XXXXXXX_2023-NQM1-608 |  | D A C | Closed | FCRE1493 | 2022-10-31 05:48 | 2022-11-04 08:59 | Resolved | 1 - Information C A | Credit | Eligibility | Trade line count does not meet program requirements | Resolved-Statement from Investor does follow guidelines. - Due Diligence Vendor-11/04/2022 <br>Ready for Review-The program is Prime, the property is Primary residence, the borrower's contribution is more than 10%, and the FICO score is more than 580 (657). As per guidelines we are allowed to use the Limited tradelines requirements. Thank you! - Seller-11/04/2022 <br>Open-Found only one open tradeline in Credit Report, Missing minimum tradeline requirement of "3 tradelines for 12 months or more open in the last 12 months or 2 tradelines reporting for 24 months open in the past 12 months" - Due Diligence Vendor-10/31/2022 | Ready for Review-The program is Prime, the property is Primary residence, the borrower's contribution is more than 10%, and the FICO score is more than 580 (657). As per guidelines we are allowed to use the Limited tradelines requirements. Thank you! - Seller-11/04/2022<br>| Resolved-Statement from Investor does follow guidelines. - Due Diligence Vendor-11/04/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 715641 |
| XXXXXXX_2023-NQM1-609 |  | B A | Closed | FCRE3931 | 2022-11-03 03:56 | 2022-11-03 03:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 1 | Waived-Found [redacted] in pg 382 states "3 unit property with ADU" - Due Diligence Vendor-11/03/2022 |  | Waived-Found [redacted] in pg 382 states "3 unit property with ADU" - Due Diligence Vendor-11/03/2022<br>|  | Residual income >=$3000, No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months, LTV 10% below maximum |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 721664 |
| XXXXXXX_2023-NQM1-610 |  | B A | Closed | FVAL9739 | 2022-11-03 03:53 | 2022-11-03 03:53 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Found [redacted] in pg 25 states "transferred appraisal" - Due Diligence Vendor-11/03/2022 |  | Waived-Found [redacted] in pg 25 states "transferred appraisal" - Due Diligence Vendor-11/03/2022<br>|  | Residual income >=$3000, DTI >=10% lower than loan program, No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 721661 |
| XXXXXXX_2023-NQM1-611 |  | D A C | Closed | FCRE3464 | 2022-10-31 05:59 | 2022-11-14 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Received voe - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. - Seller-11/14/2022 <br>Open-missing proof business is active within 20 days. CPA letter was dated over a month earlier than closing. - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. - Seller-11/14/2022<br>| Resolved-Received voe - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_VOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 715646 |
| XXXXXXX_2023-NQM1-612 |  | D A C | Closed | finding-3631 | 2022-11-04 14:48 | 2022-11-14 14:08 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC clears finding - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please review uploaded COC. - Seller-11/11/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/04/2022 | Ready for Review-Document Uploaded. Please review uploaded COC. - Seller-11/11/2022<br>| Resolved-COC clears finding - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 724983 |
| XXXXXXX_2023-NQM1-613 |  | D A C | Closed | finding-3632 | 2022-11-04 14:48 | 2022-11-14 14:08 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC clears finding - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please review uploaded COC. - Seller-11/11/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/04/2022 | Ready for Review-Document Uploaded. Please review uploaded COC. - Seller-11/11/2022<br>| Resolved-COC clears finding - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 724984 |
| XXXXXXX_2023-NQM1-614 |  | D A C | Closed | finding-3634 | 2022-11-04 14:48 | 2022-11-14 14:08 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Ready for Review-Document Uploaded. Please review uploaded COC. - Seller-11/11/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,530.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). No COC for Discount points increase at close from $2460 on 10/20 CD to $3690 at close. Also missing COC for redraw fee to AD Mortgage - Due Diligence Vendor-11/04/2022 | Ready for Review-Document Uploaded. Please review uploaded COC. - Seller-11/11/2022<br>|  |  |  | [redacted_COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 724986 |
| XXXXXXX_2023-NQM1-615 |  | D A C | Closed | finding-651 | 2022-11-08 12:10 | 2022-11-14 14:08 | Resolved | 1 - Information A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Resolved - Due Diligence Vendor-11/14/2022 <br>Rescinded- - Due Diligence Vendor-11/11/2022 <br>Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $492,941.04. The disclosed finance charge of $491,553.38 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-11/08/2022 |  | Resolved-Resolved - Due Diligence Vendor-11/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 729450 |
| XXXXXXX_2023-NQM1-616 |  | C A | Closed | FCRE1455 | 2022-10-31 08:10 | 2022-11-14 14:10 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Received additional bank statments - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Bank Statement uploaded - Seller-11/11/2022 <br>Open-ETRADE account missing July statement. Aug statement only in file - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. Bank Statement uploaded - Seller-11/11/2022<br>| Resolved-Received additional bank statments - Due Diligence Vendor-11/14/2022<br>|  |  | Bank Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 715833 |
| XXXXXXX_2023-NQM1-617 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-618 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-619 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-620 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-621 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-622 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-623 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-624 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-625 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 |  |  |  |
| XXXXXXX_2023-NQM1-626 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-627 |  | B A | Closed | FCRE9806 | 2022-11-01 06:43 | 2022-11-01 06:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding | Waived-Found Exception Form on Pg no.654, 6 weeks shy of 2 yrs self employed, At time of closing we should be just short of 2 yrs self employed(right now we are 6 weeks, closer to closing likely 3-4 weeks short of 2 yrs).Wife(co borr) does not have the tradeline, auth user only. All of her accts are paid and closed. We can remove her if need be. She is 50 % partner on business - Due Diligence Vendor-11/01/2022 |  | Waived-Found Exception Form on Pg no.654, 6 weeks shy of 2 yrs self employed, At time of closing we should be just short of 2 yrs self employed(right now we are 6 weeks, closer to closing likely 3-4 weeks short of 2 yrs).Wife(co borr) does not have the tradeline, auth user only. All of her accts are paid and closed. We can remove her if need be. She is 50 % partner on business - Due Diligence Vendor-11/01/2022<br>|  | DTI >=10% lower than loan program, No credit events past 48 months, 5+ years credit history, No consumer late payments in last 48 months, LTV 10% below maximum, Credit score >40% than minimum required, Borrower contribution exceeds requirement >=5% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 717629 |
| XXXXXXX_2023-NQM1-628 |  | C B A | Closed | FCRE1491 | 2022-10-31 14:58 | 2022-11-08 09:16 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements Life insurance received clears finding - Due Diligence Vendor-11/08/2022 <br> Ready for Review-Document Uploaded. This Assets are a Life insurance policy, and we don't require two months of statement for the same to use it as reserves. Policy uploaded. - Seller-11/08/2022 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Please provide two month of consecutive statement for MassMutual account ending [redacted] - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. This Assets are a Life insurance policy, and we don't require two months of statement for the same to use it as reserves. Policy uploaded. - Seller-11/08/2022<br>| Resolved-Asset Qualification Meets Guideline Requirements Life insurance received clears finding - Due Diligence Vendor-11/08/2022<br>|  |  | Life insurance.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 716928 |
| XXXXXXX_2023-NQM1-629 |  | C B A | Closed | FCRE8860 | 2022-11-03 08:57 | 2022-11-03 08:57 | Waived | 2 - Non-Material B | Credit | Income/Employment | Audited DSCR does not meet guidelines requirements | Waived-dscr less than 1 for 75% - Due Diligence Vendor-11/03/2022 |  | Waived-dscr less than 1 for 75% - Due Diligence Vendor-11/03/2022<br>|  | Borrower contribution exceeds requirement >=5%, Revolving debt is under 30%, No consumer late payments in last<br> 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months<br> Revolving debt is under 30%, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years<br> credit history, No consumer late payments in last 48 months, Borrower contribution exceeds requirement >=5%<br> page 205 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 722108 |
| XXXXXXX_2023-NQM1-630 |  | C B A | Closed | FCRE8201 | 2022-10-31 17:29 | 2022-10-31 17:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Type : Material: Appraisal<br> Short Description : mixed use , score dropped from initial exception<br> Comments : just updating exception with lower score, submitted soon, mixed use.. see attached<br> Exception form is available on pg# 215<br>- Due Diligence Vendor-10/31/2022 |  | Waived-Exception Type : Material: Appraisal<br> Short Description : mixed use , score dropped from initial exception<br> Comments : just updating exception with lower score, submitted soon, mixed use.. see attached<br> Exception form is available on pg# 215<br>- Due Diligence Vendor-10/31/2022<br>|  | Reserves>6 months, Experienced investor with 2+ investment properties, Credit score >40% than minimum required, CLTV 10% below maximum, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 717151 |
| XXXXXXX_2023-NQM1-631 |  | C B A | Closed | FVAL3867 | 2022-10-31 17:18 | 2022-10-31 17:18 | Waived | 2 - Non-Material B | Property | Property | Property is Mixed Use | Waived-Exception Type : Material: Appraisal<br> Short Description : UW requesting updated exception form/ Mixed use<br> Comments : Mixed use is primarily a business and also is an investment instead of a primary residence<br> Exception form is available on pg# 207 & 213<br> - Due Diligence Vendor-10/31/2022 |  | Waived-Exception Type : Material: Appraisal<br> Short Description : UW requesting updated exception form/ Mixed use<br> Comments : Mixed use is primarily a business and also is an investment instead of a primary residence<br> Exception form is available on pg# 207 & 213<br> - Due Diligence Vendor-10/31/2022<br>|  | Experienced investor with 2+ investment properties, Credit score >40% than minimum required, Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 717146 |
| XXXXXXX_2023-NQM1-632 |  | C B A | Closed | FVAL9739 | 2022-10-31 17:12 | 2022-10-31 17:12 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Type : Material: Appraisal, Loan Amount<br> Short Description: UW requesting exception form updating loan amount<br> Comments : just updating form, and appraisal arrived.. see attached UW requestion loan amount to be corrected<br> Exception form is available on pg# 203 of 707<br> - Due Diligence Vendor-10/31/2022 |  | Waived-Exception Type : Material: Appraisal, Loan Amount<br> Short Description: UW requesting exception form updating loan amount<br> Comments : just updating form, and appraisal arrived.. see attached UW requestion loan amount to be corrected<br> Exception form is available on pg# 203 of 707<br> - Due Diligence Vendor-10/31/2022<br>|  | Experienced investor with 2+ investment properties, Credit score >40% than minimum required, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 717142 |
| XXXXXXX_2023-NQM1-633 |  | C A | Closed | FCRE1194 | 2022-11-04 06:29 | 2022-11-15 09:45 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Proof of Aly debt exclusion clears finding - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Please find Bank Statements (section withdrawals) on the pages 280-375 that proof Ally debt exclusion of $523/mo. - Seller-11/10/2022 <br>Open-Audited LTV of 85% exceeds Guideline LTV of 80% due to DTI Variation- Underwriter has excluded the installment payment of $523 to DTI Calculation however no proof Ally was paid in full. Need proof of Ally debt exclusion of $523/ mo. - Due Diligence Vendor-11/04/2022 | Ready for Review-Please find Bank Statements (section withdrawals) on the pages 280-375 that proof xxxx debt exclusion of $523/mo. - Seller-11/10/2022 | Resolved-Proof of Aly debt exclusion clears finding - Due Diligence Vendor-11/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 723578 |
| XXXXXXX_2023-NQM1-634 |  | C A | Closed | finding-3634 | 2022-11-01 11:14 | 2022-11-07 09:03 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Document Uploaded. - Due Diligence Vendor-11/07/2022 <br>Resolved-COC for fees received - Due Diligence Vendor-11/07/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $120.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Provide the COC for the Discount Points increase on CD 10/28/2022. - Due Diligence Vendor-11/01/2022 |  | Resolved-Document Uploaded. - Due Diligence Vendor-11/07/2022 <br>Resolved-COC for fees received - Due Diligence Vendor-11/07/2022<br>|  |  | [redacted_COC at 10-28-2022.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 718361 |
| XXXXXXX_2023-NQM1-635 |  | C A | Closed | finding-3631 | 2022-11-01 11:14 | 2022-11-07 09:02 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC for fees received - Due Diligence Vendor-11/07/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Provide the COC for the Discount Points increase on CD 10/28/2022. - Due Diligence Vendor-11/01/2022 |  | Resolved-COC for fees received - Due Diligence Vendor-11/07/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 718358 |
| XXXXXXX_2023-NQM1-636 |  | C A | Closed | finding-3632 | 2022-11-01 11:14 | 2022-11-07 09:02 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC for fees received - Due Diligence Vendor-11/07/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Provide the COC for the Discount Points increase on CD 10/28/2022. - Due Diligence Vendor-11/01/2022 |  | Resolved-COC for fees received - Due Diligence Vendor-11/07/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 718359 |
| XXXXXXX_2023-NQM1-637 |  | D A | Closed | FVAL1039 | 2022-11-01 10:23 | 2022-11-14 14:46 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-Received desk review and it supports value - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. CDA provided - Seller-11/09/2022 <br>Open-AVM Confidence Score is below 90 (78). - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. CDA provided - Seller-11/09/2022<br>| Resolved-Received desk review and it supports value - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_CDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 718216 |
| XXXXXXX_2023-NQM1-638 |  | D A | Closed | FCOM1274 | 2022-11-03 03:26 | 2022-11-14 14:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-11/14/2022 <br>Resolved-Received escrow waiver - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please, find the document attached. Thank you! - Seller-11/09/2022 <br>Open-Escrow Waiver is Missing No Escrows - Escrow waiver missing in the file - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. Please, find the document attached. Thank you! - Seller-11/09/2022<br>| Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-11/14/2022 <br>Resolved-Received escrow waiver - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Escrow Waiver and Payment Letter.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 721638 |
| XXXXXXX_2023-NQM1-639 |  | C B A | Closed | FCRE1493 | 2022-11-06 23:55 | 2022-11-14 14:48 | Resolved | 1 - Information C A | Credit | Eligibility | Trade line count does not meet program requirements | Resolved-VOR clears finding - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. According to 6.5.5 of [redacted] Guidelines (Effective 9/6/2022) we can use alternative tradlines:<br> "If the borrower does not meet the requirements for Standard Tradelines but still has a valid credit score and alternative trade lines, borrower may still qualify for Standard Tradelines based on underwriter discretion (ex, 24 months' rent verification: Professional Management Company VOR for 24 months, or Private VOR for 24 months + 6 months of canceled checks, 24 months' utility, or phone bill verification)". <br> For VOR please refer to page 15 of the complete credit package. Also attaching it here for your convenience. - Seller-11/10/2022 <br>Open-As per [redacted] guidelines we need 3 tradelines reporting for 12 or more months and remained open within 12 months but we have only 2 tradelines with 12 or more months and remained open within 12 months - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. According to 6.5.5 of A&D Guidelines (Effective 9/6/2022) we can use alternative tradlines:<br> "If the borrower does not meet the requirements for Standard Tradelines but still has a valid credit score and alternative trade lines, borrower may still qualify for Standard Tradelines based on underwriter discretion (ex, 24 months' rent verification: Professional Management Company VOR for 24 months, or Private VOR for 24 months + 6 months of canceled checks, 24 months' utility, or phone bill verification)". <br> For VOR please refer to page 15 of the complete credit package. Also attaching it here for your convenience. - Seller-11/10/2022<br>| Resolved-VOR clears finding - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Written Verification of Rent.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 726213 |
| XXXXXXX_2023-NQM1-640 |  | C B A | Closed | FCRE6843 | 2022-11-03 03:12 | 2022-11-03 03:12 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Found [redacted] Exceptions Form Pg no.603, states borrower has 3.84% of funds , need 5%. All funds from wife gifted.... borrower has 3.84% of own , we require 5% file in qc for ctc - Due Diligence Vendor-11/03/2022 |  | Waived-Found [redacted] Exceptions Form Pg no.603, states borrower has 3.84% of funds , need 5%. All funds from wife gifted.... borrower has 3.84% of own , we require 5% file in qc for ctc - Due Diligence Vendor-11/03/2022<br>|  | 5 years on current job, 10 years or more in same line of employment, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 721626 |
| XXXXXXX_2023-NQM1-641 |  | D A | Closed | FCOM4227 | 2022-11-01 13:41 | 2022-11-08 09:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received proof of delivery - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. Confirmation uploaded, please, review. - Seller-11/07/2022 <br>Open-Provide evidence that Revised Closing Disclosure issues on 10/24/2022 was sent electronically - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. Confirmation uploaded, please, review. - Seller-11/07/2022<br>| Resolved-Received proof of delivery - Due Diligence Vendor-11/08/2022<br>|  |  | [redacted_Confirmation.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 718714 |
| XXXXXXX_2023-NQM1-642 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-643 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-644 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 |  |  |  |
| XXXXXXX_2023-NQM1-645 |  | B A | Closed | FCRE1194 | 2022-11-01 06:35 | 2022-11-01 06:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% DSCR .78 75% LTV - Due Diligence Vendor-11/01/2022 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% DSCR .78 75% LTV - Due Diligence Vendor-11/01/2022<br>|  | Borrower contribution exceeds requirement >=5%, No mortgage late payments in last 24 months, No credit events<br> past 48 months<br> Page 261 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 717601 |
| XXXXXXX_2023-NQM1-646 |  | C B A | Closed | FCRE9991 | 2022-10-31 12:10 | 2022-11-03 07:58 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Received data tape - Due Diligence Vendor-11/03/2022 <br>Ready for Review-Document Uploaded. please review updated tape - Seller-11/02/2022 <br>Open-DT Loan Amount $202,500 Note $200,000 DT DSCR .91 Audited DSCR 1.01 - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. please review updated tape - Seller-11/02/2022<br>| Resolved-Received data tape - Due Diligence Vendor-11/03/2022<br>|  |  | Bid Tape NON QM _10-31-2022_October updated tape..xlsx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 716461 |
| XXXXXXX_2023-NQM1-647 |  | C B A | Closed | FCOM1211 | 2022-10-31 12:12 | 2022-11-03 07:57 | Resolved | 1 - Information C A | Compliance | Closing | Note does Not Indicate Interest Only Terms but Loan Approved as an Interest Only Program | Resolved-Note is 480 months interest only - Due Diligence Vendor-11/03/2022 <br>Ready for Review-Note - page 151 of credit package uploaded indicates 480 months - please refer to section 3.Payments. - Seller-11/02/2022 <br>Open-The Note is Interest Only but does not indicate the length of time the loan is Interest Only. - Due Diligence Vendor-10/31/2022 | Ready for Review-Note - page 151 of credit package uploaded indicates 480 months - please refer to section 3.Payments. - Seller-11/02/2022<br>| Resolved-Note is 480 months interest only - Due Diligence Vendor-11/03/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 716467 |
| XXXXXXX_2023-NQM1-648 |  | C B A | Closed | FCRE9994 | 2022-10-31 12:07 | 2022-11-02 08:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Waived-Lender granted Exception for LTV <br> See page 381 - Due Diligence Vendor-10/31/2022 |  | Waived-Lender granted Exception for LTV <br> See page 381 - Due Diligence Vendor-10/31/2022<br>|  | Experienced investor with 2+ investment properties, Credit score >40% than minimum required, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 716433 |
| XXXXXXX_2023-NQM1-649 |  | C A | Closed | FCOM5814 | 2022-11-01 13:03 | 2022-11-14 14:52 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Proof of delivery received - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/11/2022 <br>Open-Provide evidence CD 10/26/2022 was sent electronically. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/11/2022<br>| Resolved-Proof of delivery received - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Proof 10-26.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 718626 |
| XXXXXXX_2023-NQM1-650 |  | C B A | Closed | FCOM9967 | 2022-11-01 12:25 | 2022-11-14 14:53 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Loan Estimate Deficiency | Resolved-Proof of Delivery received - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please, find the document attached. Thank you! - Seller-11/09/2022 <br>Open-Provide evidence LE 10/18/2022 was sent electronically. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. Please, find the document attached. Thank you! - Seller-11/09/2022<br>| Resolved-Proof of Delivery received - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_proof LE 10-18.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 718516 |
| XXXXXXX_2023-NQM1-651 |  | C B A | Closed | FCRE6843 | 2022-11-02 09:55 | 2022-11-02 09:55 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Found [redacted] in pg 401 states Condo does not have 8% reserves (has approx. 3%) - Due Diligence Vendor-11/02/2022 |  | Waived-Found [redacted] in pg 401 states Condo does not have 8% reserves (has approx. 3%) - Due Diligence Vendor-11/02/2022<br>|  | DTI >=10% lower than loan program, No mortgage late payments in last 24 months, No consumer late payments in last 48 months, Credit score >40% than minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 720347 |
| XXXXXXX_2023-NQM1-652 |  | C B A | Closed | FCRE4104 | 2022-11-02 09:42 | 2022-11-02 09:42 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Waived-Found [redacted] in pg 946 states "Unable to source large deposit for EMD, $10K EMD has been paid from Personal account and Large deposit can not be sourced (Cash<br> deposit). - Due Diligence Vendor-11/02/2022 |  | Waived-Found [redacted] in pg 946 states "Unable to source large deposit for EMD, $10K EMD has been paid from Personal account and Large deposit can not be sourced (Cash<br> deposit). - Due Diligence Vendor-11/02/2022<br>|  | DTI >=10% lower than loan program, No mortgage late payments in last 24 months, No consumer late payments in last 48 months, Credit score >40% than minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 720299 |
| XXXXXXX_2023-NQM1-653 |  | B A | Closed | FCRE6843 | 2022-11-03 05:59 | 2022-11-03 06:00 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-We Found exception on (pg no : 435). It states that Condo , no reserves As per provided Approved budget 2022 there are no reserves allocated from the income generated yearly and also as per condo questionnaire. There are no reserves balance with the HOA - Due Diligence Vendor-11/03/2022 |  | Waived-We Found exception on (pg no : 435). It states that Condo , no reserves As per provided Approved budget 2022 there are no reserves allocated from the income generated yearly and also as per condo questionnaire. There are no reserves balance with the HOA - Due Diligence Vendor-11/03/2022<br>|  | DTI >=10% lower than loan program, 10 years or more in same line of employment, Credit score >40% than minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 721752 |
| XXXXXXX_2023-NQM1-654 |  | B A | Closed | FCRE3931 | 2022-11-02 07:09 | 2022-11-02 07:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 1 | Waived-Found [redacted] in pg 443 states LLC registered in Canada, The borrower was a mortgage broker in Canada and then he moved here in US and continued working as mortgage broker here. His LLC is registered in Canada, however, for the last years he is receiving income here. - Due Diligence Vendor-11/02/2022 |  | Waived-Found [redacted] in pg 443 states LLC registered in [redacted], The borrower was a mortgage broker in [redacted] and then he moved here in US and continued working as mortgage broker here. His LLC is registered in Canada, however, for the last years he is receiving income here. - Due Diligence Vendor-11/02/2022 |  | Several income sources and DTI below 45%, Residual income >=$3000, DTI >=10% lower than loan program, No credit events past 48 months, No mortgage late payments in last 24 months, Borrower contribution exceeds requirement >=5% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 719689 |
| XXXXXXX_2023-NQM1-655 |  | B A | Closed | FCRE1493 | 2022-11-02 07:11 | 2022-11-02 07:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Found [redacted] in pg 441 states "Tradelines we have 2 for the last 12 months, good credit, low DTI, enough assets. We need to stick with Super Prime program" - Due Diligence Vendor-11/02/2022 |  | Waived-Found [redacted] in pg 441 states "Tradelines we have 2 for the last 12 months, good credit, low DTI, enough assets. We need to stick with Super Prime program" - Due Diligence Vendor-11/02/2022<br>|  | Several income sources and DTI below 45%, No mortgage late payments in last 24 months, No consumer late payments in last 48 months, Borrower contribution exceeds requirement >=5% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 719694 |
| XXXXXXX_2023-NQM1-656 |  | D A C | Closed | FCRE5770 | 2022-11-07 05:12 | 2022-11-17 09:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/17/2022 <br>Resolved-Received credit report - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. Credit report uploaded - Seller-11/15/2022 <br>Open-Borrower 1 Credit Report is Missing. credit report missing - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. Credit report uploaded - Seller-11/15/2022<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/17/2022 <br>Resolved-Received credit report - Due Diligence Vendor-11/17/2022<br>|  |  | Credit Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 726520 |
| XXXXXXX_2023-NQM1-657 |  | D A C | Closed | FCRE1201 | 2022-11-07 05:20 | 2022-11-14 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided Fraud report received - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Fraud report provided - Seller-11/10/2022 <br>Open-Missing Third Party Fraud Report missing - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. Fraud report provided - Seller-11/10/2022<br>| Resolved-Third Party Fraud Report is provided Fraud report received - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Fraud Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 726524 |
| XXXXXXX_2023-NQM1-658 |  | D A C | Closed | FCRE1145 | 2022-11-07 05:14 | 2022-11-14 15:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present Pre lim title received - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Preliminary Title uploaded. Please, review it. - Seller-11/11/2022 <br>Open-Title Document is missing prelim title missing - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. Preliminary Title uploaded. Please, review it. - Seller-11/11/2022<br>| Resolved-Title Document is fully Present Pre lim title received - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Preliminary title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 726521 |
| XXXXXXX_2023-NQM1-659 |  | D A C | Closed | finding-3532 | 2022-11-07 05:33 | 2022-11-14 15:01 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received proof of delivery - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Proof provided - Seller-11/10/2022 <br>Open-proof CD 10/24 sent electronic - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. Proof provided - Seller-11/10/2022<br>| Resolved-Received proof of delivery - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 726541 |
| XXXXXXX_2023-NQM1-660 |  | D A C | Closed | FCRE1326 | 2022-11-07 05:07 | 2022-11-14 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-11/14/2022 <br>Resolved-P&L received - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/11/2022 <br>Open-Borrower 1 YTD Profit & Loss Missing 2 yr P&L missing - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/11/2022<br>| Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-11/14/2022 <br>Resolved-P&L received - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Profit and Loss Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 726511 |
| XXXXXXX_2023-NQM1-661 |  | D A C | Closed | FCRE1157 | 2022-11-07 05:16 | 2022-11-14 14:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Hazard Insurance policy provided - Seller-11/11/2022 <br>Open-Missing Hazard Insurance Policy missing - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. Hazard Insurance policy provided - Seller-11/11/2022<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_HO3.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 726522 |
| XXXXXXX_2023-NQM1-662 |  | D A C | Closed | FCRE1161 | 2022-11-07 05:16 | 2022-11-14 14:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/14/2022 <br>Resolved-Received Flood Cert - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Flood certificate provided - Seller-11/14/2022 <br>Open-Missing Flood Certificate missing - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. Flood certificate provided - Seller-11/14/2022<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/14/2022 <br>Resolved-Received Flood Cert - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Flood Response.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 726523 |
| XXXXXXX_2023-NQM1-663 |  | C A | Closed | FCOM5814 | 2022-11-01 10:45 | 2022-11-14 15:04 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received proof of delivery - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Confirmation uploaded. Please, review it. - Seller-11/11/2022 <br>Open-Provide evidence CD 10/24/2022 was sent electronically. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. Confirmation uploaded. Please, review it. - Seller-11/11/2022<br>| Resolved-Received proof of delivery - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Confirmation.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 718278 |
| XXXXXXX_2023-NQM1-664 |  | C B A | Closed | FCRE1493 | 2022-11-03 10:14 | 2022-11-21 11:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception: Borrower 1 did not meet the Super Prime requirement of having 3 tradelines reporting for 12 months<br> or 2 trade lines reporting for 24 months - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. Please, find the PC exception attached. Thank you! - Seller-11/21/2022 <br>Open-B1 does not meet minimum trade line requirements only trade line is authorized user account. - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. Please, find the PC exception attached. Thank you! - Seller-11/21/2022<br>| Waived-Exception: Borrower 1 did not meet the Super Prime requirement of having 3 tradelines reporting for 12 months<br> or 2 trade lines reporting for 24 months - Due Diligence Vendor-11/21/2022<br>|  | Fico 768 Reserves > 3 months 5 years on current job | [redacted_exception for SuperPrime CREDIT TRADELINES - signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 722291 |
| XXXXXXX_2023-NQM1-665 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-666 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-667 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-668 |  | C A B | Closed | finding-651 | 2022-11-01 16:44 | 2022-11-15 09:38 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-COC clears finding - Due Diligence Vendor-11/15/2022 <br>Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $840,430.47. The disclosed finance charge of $840,118.47 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-11/01/2022 |  | Resolved-COC clears finding - Due Diligence Vendor-11/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 719122 |
| XXXXXXX_2023-NQM1-669 |  | C A B | Closed | finding-3631 | 2022-11-01 16:44 | 2022-11-15 09:37 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC clears finding - Due Diligence Vendor-11/15/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/01/2022 |  | Resolved-COC clears finding - Due Diligence Vendor-11/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 719119 |
| XXXXXXX_2023-NQM1-670 |  | C A B | Closed | finding-3632 | 2022-11-01 16:44 | 2022-11-15 09:37 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC clears finding - Due Diligence Vendor-11/15/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/01/2022 |  | Resolved-COC clears finding - Due Diligence Vendor-11/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 719120 |
| XXXXXXX_2023-NQM1-671 |  | C A B | Closed | finding-3634 | 2022-11-01 16:44 | 2022-11-15 09:37 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC clears finding - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. COC provided - Seller-11/15/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,210.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Missing COC for increase points on Revised CD dated 10/28 from 1131.98 to $2341.98 - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. COC provided - Seller-11/15/2022<br>| Resolved-COC clears finding - Due Diligence Vendor-11/15/2022<br>|  |  | [redacted_CD COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 719121 |
| XXXXXXX_2023-NQM1-672 |  | C A B | Closed | FCRE1182 | 2022-11-01 16:16 | 2022-11-14 15:05 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Approval provided - Seller-11/10/2022 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. Approval provided - Seller-11/10/2022<br>| Resolved-Received approval - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 719081 |
| XXXXXXX_2023-NQM1-673 |  | C A B | Closed | finding-3519 | 2022-11-01 16:45 | 2022-11-14 15:05 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received proof of delivery - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Proof provided - Seller-11/10/2022 <br>Open-proof cd 10/28 sent electronic - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. Proof provided - Seller-11/10/2022<br>| Resolved-Received proof of delivery - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 719124 |
| XXXXXXX_2023-NQM1-674 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-675 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-676 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-677 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-678 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-679 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-680 |  | B A | Closed | FCRE9806 | 2022-11-04 10:56 | 2022-11-04 10:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding | Waived-Found [redacted] Pg No.345, state 1\*30 mortgage late - Due Diligence Vendor-11/04/2022 |  | Waived-Found [redacted] Pg No.345, state 1\*30 mortgage late - Due Diligence Vendor-11/04/2022<br>|  | Reserves>6 months, Experienced investor with 2+ investment properties, Credit score >40% than minimum required, 5+ years credit history, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes | 724400 |
| XXXXXXX_2023-NQM1-681 |  | C B A | Closed | FCRE4963 | 2022-11-03 04:29 | 2022-11-21 11:38 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received proof of payoff - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. These 2 account need to be paid outside of closing. At closing need to be paid only 1 - Seller-11/21/2022 <br>Open-SYNCB paid at closing as per Final 1003 however not reflected on Final CD. Also missing proof of Loan care paid off via new refi on OO - missing copy of that CD on primary as well. - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. These 2 account need to be paid outside of closing. At closing need to be paid only 1 - Seller-11/21/2022<br>| Resolved-Received proof of payoff - Due Diligence Vendor-11/21/2022<br>|  |  | image.png | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 721687 |
| XXXXXXX_2023-NQM1-682 |  | C B A | Closed | FCRE1193 | 2022-11-03 04:30 | 2022-11-14 15:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Air bnb data clears finding - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. We are using the rental income from the Airbnb statements as the subject property is a short-term rental property. Please refer to page 566 of the complete borrower package. Also attaching it here for your convenience - Seller-11/10/2022 <br>Open-Audited DTI of 69.09% exceeds Guideline DTI of 50% and no exceptions or waiver found. Calculation: Neg subject rents $-1764.11 + Other debts $1702 + New primary housing of $3040.97= total debts of $6507.08 / Income of $9418.37= 69.08% - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. We are using the rental income from the Airbnb statements as the subject property is a short-term rental property. Please refer to page 566 of the complete borrower package. Also attaching it here for your convenience - Seller-11/10/2022<br>| Resolved-Air bnb data clears finding - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Income Documents.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 721688 |
| XXXXXXX_2023-NQM1-683 |  | C B A | Closed | FCRE1194 | 2022-11-02 11:35 | 2022-11-08 03:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% We Found exception on (pgno: 5). It States that the LTV over 70% when subject property is short term rental (Airbnb) - Due Diligence Vendor-11/02/2022 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% We Found exception on (pgno: 5). It States that the LTV over 70% when subject property is short term rental (Airbnb) - Due Diligence Vendor-11/02/2022<br>|  | 5 years on current job, No mortgage late payments in last 24 months, 5+ years credit history |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 720615 |
| XXXXXXX_2023-NQM1-684 |  | C B A | Closed | FCRE9806 | 2022-11-03 04:43 | 2022-11-03 04:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding | Waived-We Found Exception on (pgno: 7). It States that the greater than 3 NSF/negative<br> balances/overdraft fees in last 12 months (8 were noted total through all 3 accounts being used for<br> income)<br> - Due Diligence Vendor-11/03/2022 |  | Waived-We Found Exception on (pgno: 7). It States that the greater than 3 NSF/negative<br> balances/overdraft fees in last 12 months (8 were noted total through all 3 accounts being used for<br> income)<br> - Due Diligence Vendor-11/03/2022<br>|  | 5 years on current job, DTI >=10% lower than loan program, No mortgage late payments in last 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 721698 |
| XXXXXXX_2023-NQM1-685 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 |  |  |  |
| XXXXXXX_2023-NQM1-686 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-687 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-688 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-689 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-690 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-691 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-692 |  | C A | Closed | FCOM5814 | 2022-11-01 15:21 | 2022-11-15 09:44 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received proof of delivery - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. eSign Certificate provided - Seller-11/11/2022 <br>Open-Provide evidence Initial CD 10/26/2022 was sent electronically. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. eSign Certificate provided - Seller-11/11/2022<br>| Resolved-Received proof of delivery - Due Diligence Vendor-11/15/2022<br>|  |  | [redacted_eSign Certificate.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 718964 |
| XXXXXXX_2023-NQM1-693 |  | D B A | Closed | FCRE1325 | 2022-11-01 17:50 | 2022-12-05 13:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-12/05/2022 <br>Resolved-Received CPA letter - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. CPA letter uploaded. Please, review it. - Seller-12/02/2022 <br>Open-Need CPA to verify percentage of ownership of business, how long in existence and use of business funds wont impact business. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. CPA letter uploaded. Please, review it. - Seller-12/02/2022<br>| Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-12/05/2022 <br>Resolved-Received CPA letter - Due Diligence Vendor-12/05/2022<br>|  |  | [redacted_CPA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 719195 |
| XXXXXXX_2023-NQM1-694 |  | D B A | Closed | FCRE1197 | 2022-11-01 17:48 | 2022-11-17 09:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted:Appraisal Came short. Purchase, Need 75 LTV - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. Exception form uploaded - Seller-11/15/2022 <br>Open-Audited FICO of 631 is less than Guideline FICO of 640 Credit score for 75% is 640. LTV Exception in file is for value only does not address credit score - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. Exception form uploaded - Seller-11/15/2022<br>| Waived-Exception granted:Appraisal Came short. Purchase, Need 75 LTV - Due Diligence Vendor-11/17/2022<br>|  | Several income sources and DTI below 45%, 5 years on current job, Residual income >=$3000, DTI >=10% lower than<br> loan program, 10 years or more in same line of employment, No credit events past 48 months, No mortgage late<br> payments in last 24 months, 5+ years credit history, Borrower contribution exceeds requirement >=5% | Exception form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 719192 |
| XXXXXXX_2023-NQM1-695 |  | D B A | Closed | FCOM1257 | 2022-11-01 19:04 | 2022-11-14 15:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-COC received - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/11/2022 <br>Open-Provide the COC for CD 10/25/2022 increase in the Mortgage Broker Fee. - Due Diligence Vendor-11/02/2022 | Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/11/2022<br>| Resolved-COC received - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_CD COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 719210 |
| XXXXXXX_2023-NQM1-696 |  | D B A | Closed | FCOM5814 | 2022-11-01 19:00 | 2022-11-14 15:17 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Proof of delivery received - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. eSign Certificate provided - Seller-11/11/2022 <br>Open-Provide evidence CD 10/25/2022 was sent electronically. - Due Diligence Vendor-11/02/2022 | Ready for Review-Document Uploaded. eSign Certificate provided - Seller-11/11/2022<br>| Resolved-Proof of delivery received - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_eSign Certificate.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 719208 |
| XXXXXXX_2023-NQM1-697 |  | D B A | Closed | FCRE1194 | 2022-11-01 17:48 | 2022-11-01 17:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Appraisal Came short. Purchase, Need 75 LTV - Due Diligence Vendor-11/01/2022 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Appraisal Came short. Purchase, Need 75 LTV - Due Diligence Vendor-11/01/2022<br>|  | See attached. DTI is 7%. Non borrowing Spouse earns almost 100k as Nurse. Experienced property owner. Excellent payment history on other mortgages.<br> pages 432, 657 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 719194 |
| XXXXXXX_2023-NQM1-698 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-699 |  | D A | Closed | FCRE1182 | 2022-11-02 09:50 | 2022-11-15 09:57 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. Approval provided - Seller-11/14/2022 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-11/02/2022 | Ready for Review-Document Uploaded. Approval provided - Seller-11/14/2022<br>| Resolved-Received approval - Due Diligence Vendor-11/15/2022<br>|  |  | [redacted_Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 720319 |
| XXXXXXX_2023-NQM1-700 |  | D A | Closed | FCOM4028 | 2022-11-02 08:57 | 2022-11-10 09:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-11/10/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-11/02/2022 |  | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-11/10/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 720043 |
| XXXXXXX_2023-NQM1-701 |  | D A | Closed | FCRE1345 | 2022-11-02 09:48 | 2022-11-28 10:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-lender now included full payment. Loan still qualifies. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. The rental income was excluded due to our DTI being able to handle no rental income from this property. Please see the updated final 1003. - Seller-11/25/2022 <br>Open-Borrower 1 Lease Agreements Missing No lease agreement or confirmation of rent for E Superior REO at $2,500. 1003 indicates mtg obligation of $2,150 plus $136 Taxes/ins. Page 851 Cr supp shows paid. Unclear if property is free and clear or refinanced into another obligation. Income and PITI inputted per final 1003. <br> - Due Diligence Vendor-11/02/2022 | Ready for Review-Document Uploaded. The rental income was excluded due to our DTI being able to handle no rental income from this property. Please see the updated final 1003. - Seller-11/25/2022<br>| Resolved-lender now included full payment. Loan still qualifies. - Due Diligence Vendor-11/28/2022<br>|  |  | [redacted_Certificate.pdf<br> [redacted_Final 1003.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 720314 |
| XXXXXXX_2023-NQM1-702 |  | D A | Closed | FCRE9500 | 2022-11-02 10:37 | 2022-11-21 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Received letter from CPA - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. CPA letter provided - Seller-11/21/2022 <br>Open-Missing Tax Preparer letter confirming business funds use and ownership percentage of 100%. PTIN Confirmation page 831 but Letter not located. - Due Diligence Vendor-11/02/2022 | Ready for Review-Document Uploaded. CPA letter provided - Seller-11/21/2022<br>| Resolved-Received letter from CPA - Due Diligence Vendor-11/21/2022<br>|  |  | [redacted_CPA letter.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 720463 |
| XXXXXXX_2023-NQM1-703 |  | D A | Closed | FVAL1039 | 2022-11-02 09:30 | 2022-11-21 11:39 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-Received CDA supports value - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/21/2022 <br>Open-AVM confidence score 63 - Due Diligence Vendor-11/02/2022 | Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/21/2022<br>| Resolved-Received CDA supports value - Due Diligence Vendor-11/21/2022<br>|  |  | [redacted_CDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 720256 |
| XXXXXXX_2023-NQM1-704 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-705 |  | C B A | Closed | finding-3652 | 2022-11-02 14:25 | 2022-11-21 11:43 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC clears finding - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. COC provided - Seller-11/18/2022 <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 ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,109.61). 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). Provide the COC for the decrease in Lender Credits on Final CD 10/31/2022. - Due Diligence Vendor-11/02/2022 | Ready for Review-Document Uploaded. COC provided - Seller-11/18/2022<br>| Resolved-COC clears finding - Due Diligence Vendor-11/21/2022<br>|  |  | [redacted_CD COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 721106 |
| XXXXXXX_2023-NQM1-706 |  | C B A | Closed | FCRE1194 | 2022-11-02 12:29 | 2022-11-02 12:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% Lender Granted Exception for New Construction LTV 85% Owner Occupied<br>See page 489 - Due Diligence Vendor-11/02/2022 |  | Waived-Audited LTV of 85% exceeds Guideline LTV of 80% Lender Granted Exception for New Construction LTV 85% Owner Occupied<br>See page 489 - Due Diligence Vendor-11/02/2022<br>|  | 10 years or more in same line of employment, 5+ years credit history, 2+ borrowers on the loan |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 720798 |
| XXXXXXX_2023-NQM1-707 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-708 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-709 |  | B A | Closed | FVAL9739 | 2022-11-03 10:03 | 2022-11-03 10:03 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Type :- Material: Credit<br> Short Description :- master not covering bldg structure<br> Comments :- LOE attached states detached condo.It is not detached .From UW : We will require management<br> exception for Master Hoi policy not covering building structure. Master not covering bldg<br> structure,Borr has H03 ins see attached . Looking for exception .This was all in the file from Aug<br> and cleared. File in QC and awaiting ctc. Need exception per QC and Mayur<br>Exception form available on page no 433 - Due Diligence Vendor-11/03/2022 |  | Waived-Exception Type :- Material: Credit<br> Short Description :- master not covering bldg structure<br> Comments :- LOE attached states detached condo.It is not detached .From UW : We will require management<br> exception for Master Hoi policy not covering building structure. Master not covering bldg<br> structure,Borr has H03 ins see attached . Looking for exception .This was all in the file from Aug<br> and cleared. File in QC and awaiting ctc. Need exception per QC and Mayur<br>Exception form available on page no 433 - Due Diligence Vendor-11/03/2022<br>|  | Revolving debt is under 30%, Residual income >=$3000, DTI >=10% lower than loan program, No credit events past<br> 48 months, 5+ years credit history, No consumer late payments in last 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 722267 |
| XXXXXXX_2023-NQM1-710 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-711 |  | C B A | Closed | finding-3519 | 2022-11-03 06:20 | 2022-11-14 15:21 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Proof of elec delivery - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please, see attached. Thank you! - Seller-11/11/2022 <br>Open-proof CD 10/25 sent electronic - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. Please, see attached. Thank you! - Seller-11/11/2022<br>| Resolved-Proof of elec delivery - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 721773 |
| XXXXXXX_2023-NQM1-712 |  | C B A | Closed | FCRE1317 | 2022-11-03 07:20 | 2022-11-03 07:20 | Waived | 2 - Non-Material B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Self-employed since 5/21, in profession 9 years. - Due Diligence Vendor-11/03/2022 |  | Waived-Self-employed since 5/21, in profession 9 years. - Due Diligence Vendor-11/03/2022<br>|  | Revolving debt is under 30%, Residual income >=$3000, DTI >=10% lower than loan program, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48 months<br> page 304 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 721874 |
| XXXXXXX_2023-NQM1-713 |  | B A | Closed | FCRE1235 | 2022-11-02 12:45 | 2022-11-02 12:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Cashout not Allowed | Waived-Exception found on page 14<br>Wants to use cashout for reserves.<br>Approved with conditions of +1 hit in price, max final price 99, Dscr must be >1.1 - Due Diligence Vendor-11/02/2022 |  | Waived-Exception found on page 14<br>Wants to use cashout for reserves.<br>Approved with conditions of +1 hit in price, max final price 99, Dscr must be >1.1 - Due Diligence Vendor-11/02/2022<br>|  | Credit score >40% than minimum required, CLTV 10% below maximum, 5+ years credit history, No credit events past<br> 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 720848 |
| XXXXXXX_2023-NQM1-714 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-715 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-716 |  | B A | Closed | FCRE4802 | 2022-11-03 08:33 | 2022-11-03 08:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 2 | Waived-Exception found on page #364: Exception states Single entity owns more than 20% (30/60). - Due Diligence Vendor-11/03/2022 |  | Waived-Exception found on page #364: Exception states Single entity owns more than 20% (30/60). - Due Diligence Vendor-11/03/2022<br>|  | 5 years on current job, Residual income >=$3000, No credit events past 48 months, 5+ years credit history, No consumer late payments in last 48 months, Credit score >40% than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 722014 |
| XXXXXXX_2023-NQM1-717 |  | B A | Closed | FCRE3931 | 2022-11-03 08:32 | 2022-11-03 08:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 1 | Waived-Exception found on page #365: Exception states Gift funds and borrower account holder. Attached are credit, appraisal, and original exception form. As per underwriter: Approved exception form required for the following: (1) Borrower need to use 10% of Purchase Price as GIFT funds for Cash to close & reserves requirement, (2) On XXXXX there was a withdrawal of funds $XXXXXXX from [redacted] when our borrower was not the account holder of that account. But on XXXXXX, same funds were deposited back and at the time our borrower was showing as the account holder. Borrower need to use this funds in Cash to close requirement. - Due Diligence Vendor-11/03/2022 |  | Waived-Exception found on page #365: Exception states Gift funds and borrower account holder. Attached are credit, appraisal, and original exception form. As per underwriter: Approved exception form required for the following: (1) Borrower need to use 10% of Purchase Price as GIFT funds for Cash to close & reserves requirement, (2) On XXX there was a withdrawal of funds XXXXXX from XXXX #XXX when our borrower was not the account holder of that account. But on XXXX, same funds were deposited back and at the time our borrower was showing as the account holder. Borrower need to use this funds in Cash to close requirement. - Due Diligence Vendor-11/03/2022<br>|  | 5 years on current job, Residual income >=$3000, No credit events past 48 months, 5+ years credit history, No consumer late payments in last 48 months, Credit score >40% than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 722013 |
| XXXXXXX_2023-NQM1-718 |  | B A | Closed | FCRE6843 | 2022-11-03 08:29 | 2022-11-03 08:29 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Found Exception form page #367: Exception states Gift funds for WVOE. Per broker: Client is looking to do a gift of about 10% of what's needed to close.<br> - Due Diligence Vendor-11/03/2022 |  | Waived-Found Exception form page #367: Exception states Gift funds for WVOE. Per broker: Client is looking to do a gift of about 10% of what's needed to close.<br> - Due Diligence Vendor-11/03/2022<br>|  | 5 years on current job, Residual income >=$3000, No credit events past 48 months, 5+ years credit history, No<br> consumer late payments in last 48 months, Credit score >40% than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 722007 |
| XXXXXXX_2023-NQM1-719 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-720 |  | D A | Closed | FPRO1242 | 2022-11-03 09:09 | 2022-11-08 09:22 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-11/08/2022 <br>Resolved-Received appraisal - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. Appraisal uploaded - Seller-11/08/2022 <br>Open-Appraisal is Missing Appraisal Document is missing in the file - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. Appraisal uploaded - Seller-11/08/2022<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-11/08/2022 <br>Resolved-Received appraisal - Due Diligence Vendor-11/08/2022<br>|  |  | Appraisal.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 722141 |
| XXXXXXX_2023-NQM1-721 |  | C A | Closed | FCRE6843 | 2022-11-03 10:18 | 2022-11-08 09:26 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received proof of emd - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-11/07/2022 <br>Open-Missing proof EMD cleared - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. See attached - Seller-11/07/2022<br>| Resolved-Received proof of emd - Due Diligence Vendor-11/08/2022<br>|  |  | EMD CLEARANCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 722300 |
| XXXXXXX_2023-NQM1-722 |  | C A | Closed | finding-3631 | 2022-11-03 17:16 | 2022-11-08 09:25 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received COC - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. COC attached - Seller-11/07/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. COC attached - Seller-11/07/2022<br>| Resolved-Received COC - Due Diligence Vendor-11/08/2022<br>|  |  | COC - RECORDING FEE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 723175 |
| XXXXXXX_2023-NQM1-723 |  | C A | Closed | finding-3632 | 2022-11-03 17:16 | 2022-11-08 09:25 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Received COC - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. COC attached - Seller-11/07/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. COC attached - Seller-11/07/2022<br>| Resolved-Received COC - Due Diligence Vendor-11/08/2022<br>|  |  | COC - RECORDING FEE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 723176 |
| XXXXXXX_2023-NQM1-724 |  | C A | Closed | finding-3635 | 2022-11-03 17:16 | 2022-11-08 09:25 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC - Due Diligence Vendor-11/08/2022 <br>Ready for Review-COC attached - Seller-11/07/2022 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($152.00) exceed the comparable charges ($108.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). recording fee went up at close from $140 to $152. No COC - Due Diligence Vendor-11/03/2022 | Ready for Review-COC attached - Seller-11/07/2022<br>| Resolved-Received COC - Due Diligence Vendor-11/08/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 723178 |
| XXXXXXX_2023-NQM1-725 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-726 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-727 |  | A | Closed | FCOM4028 | 2022-11-04 03:01 | 2022-11-10 12:47 | Resolved | 1 - Information A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-11/10/2022 <br>Open-Missing evidence of Mortgage recording Evidence of Mortgage sent for Recording is missing in this file. - Due Diligence Vendor-11/10/2022 |  | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-11/10/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 723439 |
| XXXXXXX_2023-NQM1-728 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-729 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-730 |  | C A | Closed | FCRE1501 | 2022-11-04 06:22 | 2022-12-07 11:04 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $22464.68 is equal to or greater than Total Required Reserve Amount of $14574 - Due Diligence Vendor-12/07/2022 <br>Resolved-Borr is auth user. removed balance - Due Diligence Vendor-11/28/2022 <br>Ready for Review-The open Amex account does not belong to the borrower. This is evidenced by the credit report on file - Seller-11/22/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $1758.68 is less than Total Required Reserve Amount of $14574 Short reserves because borrower has a $20706 Amex that reduced available assets. Need $86261.46 for closing +$20706 Amex due +$14574 =$121541.46. Have $108726.14 available Short by $12815.32 or proof Amex is paid - Due Diligence Vendor-11/04/2022 | Ready for Review-The open Amex account does not belong to the borrower. This is evidenced by the credit report on file - Seller-11/22/2022<br>| Resolved-Total Qualified Assets for Reserves Post-Close of $22464.68 is equal to or greater than Total Required Reserve Amount of $14574 - Due Diligence Vendor-12/07/2022 <br>Resolved-Borr is auth user. removed balance - Due Diligence Vendor-11/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 723571 |
| XXXXXXX_2023-NQM1-731 |  | C A | Closed | finding-3519 | 2022-11-04 06:39 | 2022-11-14 15:24 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Proof of delivery received - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Proof provided - Seller-11/10/2022 <br>Open-proof cd 10/28 sent electronic - Due Diligence Vendor-11/04/2022 | Ready for Review-Document Uploaded. Proof provided - Seller-11/10/2022<br>| Resolved-Proof of delivery received - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 723586 |
| XXXXXXX_2023-NQM1-732 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-733 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-734 |  | C B A | Closed | FCRE1194 | 2022-11-03 11:47 | 2022-11-21 11:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception: 75% ltv DSCR .73 - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Exception Form is initially uploaded in the full credit pkg. Please, find it on the 280th page and review. - Seller-11/18/2022 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% max 70% LTV because property is rural - Due Diligence Vendor-11/03/2022 | Ready for Review-Exception Form is initially uploaded in the full credit pkg. Please, find it on the 280th page and review. - Seller-11/18/2022<br>| Waived-Exception: 75% ltv DSCR .73 - Due Diligence Vendor-11/21/2022<br>|  | Experienced investor with 2+ investment properties, Borrower exceeds cash contribution of 5% and o mortgage lates in last 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 722545 |
| XXXXXXX_2023-NQM1-735 |  | C A | Closed | FCRE8850 | 2022-11-03 13:31 | 2022-11-17 08:57 | Resolved | 1 - Information C A | Credit | Assets | Foreign National- bank/credit reference letter missing | Resolved-Documents received clears findings - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/17/2022 <br>Open- - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/17/2022<br>| Resolved-Documents received clears findings - Due Diligence Vendor-11/17/2022<br>|  |  | OGAP- [redacted) (1).pdf<br> OGAP- [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 722802 |
| XXXXXXX_2023-NQM1-736 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-737 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Second Home | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-738 |  | D A | Closed | FCRE3464 | 2022-11-08 11:32 | 2022-11-21 10:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-VVOE for business provided. - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. VVOE uploaded. Please, review it. - Seller-11/18/2022 <br>Open- - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. VVOE uploaded. Please, review it. - Seller-11/18/2022<br>| Resolved-VVOE for business provided. - Due Diligence Vendor-11/21/2022<br>|  |  | [redacted_VVOE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 729361 |
| XXXXXXX_2023-NQM1-739 |  | C A | Closed | FCOM5814 | 2022-11-04 09:19 | 2022-11-17 08:24 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received proof of cd delivery - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. Confirmation uploaded, please, review it. - Seller-11/17/2022 <br>Open-Provide evidence CD 10/24/2022 was sent electronically. - Due Diligence Vendor-11/04/2022 | Ready for Review-Document Uploaded. Confirmation uploaded, please, review it. - Seller-11/17/2022<br>| Resolved-Received proof of cd delivery - Due Diligence Vendor-11/17/2022<br>|  |  | [redacted_Confirmation.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 724147 |
| XXXXXXX_2023-NQM1-740 |  | B A | Closed | FVAL5472 | 2022-11-04 08:48 | 2022-11-04 08:56 | Waived | 2 - Non-Material B | Property | Property | Property or house size is outside of guidelines | Waived-Document Uploaded. EXCEPTION (page 270) Allow subject Condotel Unit as a Studio Unit with 475 square feet with Kitchenette. Approved with conditions to add 1.5 to Price and DSCR must be>=0.92. - Due Diligence Vendor-11/04/2022 |  | Waived-Document Uploaded. EXCEPTION (page 270) Allow subject Condotel Unit as a Studio Unit with 475 square feet with Kitchenette. Approved with conditions to add 1.5 to Price and DSCR must be>=0.92. - Due Diligence Vendor-11/04/2022<br>|  | Borrower contribution exceeds requirement >=5%, No mortgage late payments in last 24 months, No credit events past 48 months. | [redacted_EXCEPTION UNIT LESS THAN 500 SQFT.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 724032 |
| XXXXXXX_2023-NQM1-741 |  | B A | Closed | FVAL9739 | 2022-11-04 08:55 | 2022-11-04 08:55 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Document Uploaded. Exception (page 471) Condotel Insurance with Replacement Cost has a 15% deductible on the policy. Loan officer (page 470) advising Lender that the 15% deductible pertains to the Master policy and is not a concern to the applicant. Approved with conditions to add 0.5 to price (+2 in total) - Due Diligence Vendor-11/04/2022 |  | Waived-Document Uploaded. Exception (page 471) Condotel Insurance with Replacement Cost has a 15% deductible on the policy. Loan officer (page 470) advising Lender that the 15% deductible pertains to the Master policy and is not a concern to the applicant. Approved with conditions to add 0.5 to price (+2 in total) - Due Diligence Vendor-11/04/2022<br>|  | Borrower contribution exceeds requirement >=5%, No mortgage late payments in last 24 months, No credit events past 48 months | [redacted_EXCEPTION CONDOTEL MASTER INS.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 724067 |
| XXXXXXX_2023-NQM1-742 |  | B A | Closed | FCRE9994 | 2022-11-04 11:02 | 2022-11-04 11:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Waived-Lender granted Exception for LTV <br>See page 722 - Due Diligence Vendor-11/04/2022 |  | Waived-Lender granted Exception for LTV <br>See page 722 - Due Diligence Vendor-11/04/2022<br>|  | DTI >=10% lower than loan program, 10 years or more in same line of employment, 2+ borrowers on the loan |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | No | 724412 |
| XXXXXXX_2023-NQM1-743 |  | B A | Closed | FVAL9739 | 2022-11-04 10:43 | 2022-11-04 10:43 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception found on page 256 of PDF<br>Exception for Acres and built up area below 25%<br> Loan is approved, Final condition to submit to QC is due to Acres and Built up Area less than 25%. Underwriting is requesting an exception as subject is on XXXX Acres. This is a good loan well qualified borrower with fico of 781 and LTV of 70%. Attached is a copy of the appraisal and credit report for your consideration. Thank you!<br>Approved as is - Due Diligence Vendor-11/04/2022 |  | Waived-Exception found on page 256 of PDF<br>Exception for Acres and built up area below 25%<br> Loan is approved, Final condition to submit to QC is due to Acres and Built up Area less than 25%. Underwriting is requesting an exception as subject is on XXXXX Acres. This is a good loan well qualified borrower with fico of 781 and LTV of 70%. Attached is a copy of the appraisal and credit report for your consideration. Thank you!<br>Approved as is - Due Diligence Vendor-11/04/2022<br>|  | Credit score >40% than minimum required, No consumer late payments in last 48 months, 5+ years credit history, No<br> mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 724348 |
| XXXXXXX_2023-NQM1-744 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-745 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-746 |  | D A | Closed | FCRE4293 | 2022-11-04 09:58 | 2022-11-17 08:26 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-BAcking EMD out still allows loan to be in guideline - Due Diligence Vendor-11/17/2022 <br>Ready for Review-The EMD was backed out of the available assets. - Seller-11/17/2022 <br>Open-missing proof EMD $2000k cleared - Due Diligence Vendor-11/04/2022 | Ready for Review-The EMD was backed out of the available assets. - Seller-11/17/2022<br>| Resolved-BAcking EMD out still allows loan to be in guideline - Due Diligence Vendor-11/17/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 724242 |
| XXXXXXX_2023-NQM1-747 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-748 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-749 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-750 |  | B A | Closed | FCRE6843 | 2022-11-08 07:29 | 2022-11-08 07:29 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Exception Type: - Material: NSF<br> Short Description: - 4 NSFs<br> Comments :- per GLs max NSFs is 3. Here the borrower got 4. Seasoned investor with good income. Please allow with no hit or min hit. Rate 6.875% is with almost 3 points buy down<br>Exception form available on page no 785 of 862 - Due Diligence Vendor-11/08/2022 |  | Waived-Exception Type: - Material: NSF<br> Short Description: - 4 NSFs<br> Comments :- per GLs max NSFs is 3. Here the borrower got 4. Seasoned investor with good income. Please allow with no hit or min hit. Rate 6.875% is with almost 3 points buy down<br>Exception form available on page no 785 of 862 - Due Diligence Vendor-11/08/2022<br>|  | Several income sources and DTI below 45%, Revolving debt is under 30%, 5 years on current job, Residual income<br> >=$3000, DTI >=10% lower than loan program, 10 years or more in same line of employment, No credit events past 48<br> months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48<br> months, LTV 10% below maximum, Credit score >40% than minimum required, Other: specify below |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 728892 |
| XXXXXXX_2023-NQM1-751 |  | B A | Closed | FCRE4866 | 2022-11-08 07:21 | 2022-11-08 07:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Original CLTV does not meet eligibility requirement(s) | Waived-Exception Type:- Material: LTV<br> Short Description:- 75% LTV on Inv RT with 657 score<br> Comments:- Appraisal came in low, need to increase LA to make this loan work. Please allow 75%. thanks<br> Exception form available on page no 455 of 862 - Due Diligence Vendor-11/08/2022 |  | Waived-Exception Type:- Material: LTV<br> Short Description:- 75% LTV on Inv RT with 657 score<br> Comments:- Appraisal came in low, need to increase LA to make this loan work. Please allow 75%. thanks<br> Exception form available on page no 455 of 862 - Due Diligence Vendor-11/08/2022<br>|  | Several income sources and DTI below 45%, Revolving debt is under 30%, 5 years on current job, Residual income<br> >=$3000, DTI >=10% lower than loan program, 10 years or more in same line of employment, No credit events past 48<br> months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48<br> months, Credit score >40% than minimum required, Other: specify below |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 728869 |
| XXXXXXX_2023-NQM1-752 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-753 |  | B A | Closed | FVAL9739 | 2022-11-07 16:24 | 2022-11-07 16:24 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Type: Material :Appraisal<br> Short Description: Non permitted guest house<br> Comments: "Approved exception form required for the following: Subject property contains Guest House with no permits" Note from the borrower: "PER XXXXX - "When we bought it, the bathrooms were rough, put in better toilets, showers finished and flooring/drywall. It was framed but not finished. Stubbed for plumming/electrical" - Due Diligence Vendor-11/07/2022 |  | Waived-Exception Type: Material :Appraisal<br> Short Description: Non permitted guest house<br> Comments: "Approved exception form required for the following: Subject property contains Guest House with no permits" Note from the borrower: "PER XXXXXXX - "When we bought it, the bathrooms were rough, put in better toilets, showers finished and flooring/drywall. It was framed but not finished. Stubbed for plumming/electrical" - Due Diligence Vendor-11/07/2022<br>|  | Credit Score>40% than minimum required, CLTV 10% below maximum, No mortgage late payments in last 24 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 728157 |
| XXXXXXX_2023-NQM1-754 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-755 |  | B A | Closed | FCRE8728 | 2022-11-04 11:05 | 2022-11-04 11:05 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Payment History | Waived-mortgage payment made but servicer changed payment<br> Comments 2nd exception for this loan- Borrower made his monthly payment but servicer did not apply to feb<br> payment due to changes in escrow account and required additional escrow money which borrower<br> paid and servicer applied. Underwriter is stating this is a 30 day late even though we have proof<br> borrower paid his normal amount. - Due Diligence Vendor-11/04/2022 |  | Waived-mortgage payment made but servicer changed payment<br> Comments 2nd exception for this loan- Borrower made his monthly payment but servicer did not apply to feb<br> payment due to changes in escrow account and required additional escrow money which borrower<br> paid and servicer applied. Underwriter is stating this is a 30 day late even though we have proof<br> borrower paid his normal amount. - Due Diligence Vendor-11/04/2022<br>|  | Credit score >40% than minimum required, 5+ years credit history, No credit events past 48 months<br> Page 455 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 724421 |
| XXXXXXX_2023-NQM1-756 |  | B A | Closed | FCRE1964 | 2022-11-04 11:05 | 2022-11-04 11:05 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing income documentation | Waived-no lease as UW is requiring for proof of rental<br> Comments borrower is buying new primary with simultaneous closing. using funds of this departing property - Due Diligence Vendor-11/04/2022 |  | Waived-no lease as UW is requiring for proof of rental<br> Comments borrower is buying new primary with simultaneous closing. using funds of this departing property - Due Diligence Vendor-11/04/2022<br>|  | Credit score >40% than minimum required, No consumer late payments in last 48 months, 5+ years credit history, No<br> mortgage late payments in last 24 months, No credit events past 48 months<br> page 454 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 724417 |
| XXXXXXX_2023-NQM1-757 |  | C A | Closed | FCRE1194 | 2022-11-04 13:45 | 2022-11-17 08:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Rural property meets guidelines - Due Diligence Vendor-11/17/2022 <br>Ready for Review-This is an existing property. As per G/L, the max CLTV for "Declining" markets of 60% is applied on New Construction properties. Thus, as per the recent Rate matrix, the max LTV for the existing DSCR rural property is 70%. Thank you! - Seller-11/17/2022 <br>Open-Audited LTV of 70% exceeds Guideline LTV of 60% max ltv for rural property Declining market 60% page 72 - Due Diligence Vendor-11/04/2022 | Ready for Review-This is an existing property. As per G/L, the max CLTV for "Declining" markets of 60% is applied on New Construction properties. Thus, as per the recent Rate matrix, the max LTV for the existing DSCR rural property is 70%. Thank you! - Seller-11/17/2022<br>| Resolved-Rural property meets guidelines - Due Diligence Vendor-11/17/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 724869 |
| XXXXXXX_2023-NQM1-758 |  | A | Closed | FCRE9991 | 2022-11-10 10:31 | 2022-11-15 09:54 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Received updated report - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. Please review uploaded updated tape. - Seller-11/11/2022 <br>Open-Data Tape DSCR .98 Audited DSCR .77 Lock DSCR .778 - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. Please review uploaded updated tape. - Seller-11/11/2022<br>| Resolved-Received updated report - Due Diligence Vendor-11/15/2022<br>|  |  | updated tape for [redacted].xlsx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 732845 |
| XXXXXXX_2023-NQM1-759 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-760 |  | D B A | Closed | FCRE1176 | 2022-11-08 08:37 | 2022-11-10 10:34 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-HO-6 Insurance Policy Effective Date of 11-03-2022 is prior to or equal to the Note Date of 11-03-2022 Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-11/10/2022 <br>Open-HO-6 Insurance Policy Effective Date of 11-07-2022 is after the Note Date of 11-03-2022 - Due Diligence Vendor-11/08/2022 |  | Resolved-HO-6 Insurance Policy Effective Date of 11-03-2022 is prior to or equal to the Note Date of 11-03-2022 Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-11/10/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 729015 |
| XXXXXXX_2023-NQM1-761 |  | D B A | Closed | FCOM4028 | 2022-11-07 15:25 | 2022-11-10 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-11/10/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-11/07/2022 |  | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-11/10/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 728067 |
| XXXXXXX_2023-NQM1-762 |  | D B A | Closed | FVAL9739 | 2022-11-08 09:23 | 2022-11-08 09:23 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Type: Appraisal--Need to accept transferred 1004D:We have transferred 1004 and 1004D. She's looking forward to close upcoming Monday. So can we<br> please accept the initial 1004D and not to order new one?<br> (Exception form Present on page#315)<br>- Due Diligence Vendor-11/08/2022 |  | Waived-Exception Type: Appraisal--Need to accept transferred 1004D:We have transferred 1004 and 1004D. She's looking forward to close upcoming Monday. So can we<br> please accept the initial 1004D and not to order new one?<br> (Exception form Present on page#315)<br>- Due Diligence Vendor-11/08/2022<br>|  | Revolving debt is under 30%, 5 years on current job, 10 years or more in same line of employment, No credit events<br> past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, 2+ borrowers on the loan,<br> Credit score >40% than minimum required, Borrower contribution exceeds requirement >=5% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 729150 |
| XXXXXXX_2023-NQM1-763 |  | C B A | Closed | FCRE1493 | 2022-11-06 08:22 | 2022-11-10 07:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Waiver provided for insufficient tradelines. - Due Diligence Vendor-11/10/2022 <br>Ready for Review-Document Uploaded. - Seller-11/09/2022 <br>Open-1 trade line for less than 12 months open - Due Diligence Vendor-11/06/2022 | Ready for Review-Document Uploaded. - Seller-11/09/2022<br>| Waived-Waiver provided for insufficient tradelines. - Due Diligence Vendor-11/10/2022<br>|  | 5 years on current job, Credit score >40% than minimum required, Reserves>6 months | [redacted_exception for tradelines signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 725861 |
| XXXXXXX_2023-NQM1-764 |  | C B A | Closed | FCRE9991 | 2022-11-06 08:21 | 2022-11-10 07:23 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Per Lender Tape matches. Disregard lock in file from [redacted]. - Due Diligence Vendor-11/10/2022 <br> Ready for Review-Tape column P shows rate at 7.25, all closing documents have this rate as well. - Seller-11/08/2022 <br> Open-rate closed at 7.25 - Due Diligence Vendor-11/06/2022 | Ready for Review-Tape column P shows rate at 7.25, all closing documents have this rate as well. - Seller-11/08/2022<br>| Resolved-Per Lender Tape matches. Disregard lock in file from AD. - Due Diligence Vendor-11/10/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 725859 |
| XXXXXXX_2023-NQM1-765 |  | D B A | Closed | FCRE1325 | 2022-11-07 15:32 | 2022-12-16 16:34 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-11/08/2022 <br>Rescinded-now DSCR - Due Diligence Vendor-11/08/2022 <br>Open-verify both jobs are still active, provide proof of 2 yr existence of business, and provide proof of percentage of ownership and provide expense ratio as one of the income work sheets reflected 25% expense ratio. - Due Diligence Vendor-11/07/2022 |  | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-11/08/2022 <br>Rescinded-now DSCR - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 728087 |
| XXXXXXX_2023-NQM1-766 |  | D B A | Closed | FCRE6019 | 2022-11-05 06:14 | 2022-12-13 14:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/14/2022 <br>Resolved-Received proof of residency - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. please see p.5 for 1003. non perm is reflected. Proof of residence is uploaded. Please clear this condition. Thank you! - Seller-11/09/2022 <br>Open-Borrower 1 Citizenship Documentation Is Missing 1003 says non perm. Need proof of Citizenship - Due Diligence Vendor-11/05/2022 | Ready for Review-Document Uploaded. please see p.5 for 1003. non perm is reflected. Proof of residence is uploaded. Please clear this condition. Thank you! - Seller-11/09/2022<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/14/2022 <br>Resolved-Received proof of residency - Due Diligence Vendor-11/14/2022<br>|  |  | work permit back.pdf<br>proof of legal residence.pdf<br>Package_Executed.pdf<br>work permit front.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 725466 |
| XXXXXXX_2023-NQM1-767 |  | D B A | Closed | FCOM1231 | 2022-11-05 06:37 | 2022-12-13 14:56 | Resolved | 1 - Information A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-11/14/2022 <br>Rescinded-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-11/07/2022 <br>Open- - Due Diligence Vendor-11/05/2022 |  | Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-11/14/2022 <br>Rescinded-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-11/07/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 725478 |
| XXXXXXX_2023-NQM1-768 |  | D B A | Closed | FCRE1501 | 2022-11-05 06:29 | 2022-11-14 09:24 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $23346.49 is equal to or greater than Total Required Reserve Amount of $9849.72 Received statement with proceeds from sale included clears finding - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-11/09/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $1516.53 is less than Total Required Reserve Amount of $9849.72 need 2 months bank statements to support $9849.72 for reserves. - Due Diligence Vendor-11/05/2022 | Ready for Review-Document Uploaded. Uploaded, please clear this condition, thank you! - Seller-11/09/2022<br>| Resolved-Total Qualified Assets for Reserves Post-Close of $23346.49 is equal to or greater than Total Required Reserve Amount of $9849.72 Received statement with proceeds from sale included clears finding - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted Jul 2022 - EMD 10k DEBIT.pdf<br> [redacted Jun 2022.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 725473 |
| XXXXXXX_2023-NQM1-769 |  | D B A | Closed | FCRE1467 | 2022-11-05 06:29 | 2022-11-14 09:24 | Resolved | 1 - Information A | Credit | Missing Doc | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-11/14/2022 <br>Rescinded- - Due Diligence Vendor-11/05/2022 <br>Open-Asset 1 Missing - Due Diligence Vendor-11/05/2022 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-11/14/2022 <br>Rescinded- - Due Diligence Vendor-11/05/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 725472 |
| XXXXXXX_2023-NQM1-770 |  | D B A | Closed | FCRE1493 | 2022-11-07 15:16 | 2022-11-14 09:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Exception: does not meet minimum of 2 x 24 or3 x12 months reviewed - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-11/09/2022 <br>Open-does not meet minimum of 2 x 24 or3 x12 months reviewed - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-11/09/2022<br>| Waived-Exception: does not meet minimum of 2 x 24 or3 x12 months reviewed - Due Diligence Vendor-11/14/2022<br>|  | 5+ years on the current job; property value increasing trend; reserves 3+ months | [redacted.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 728023 |
| XXXXXXX_2023-NQM1-771 |  | D B A | Closed | FCRE8860 | 2022-11-05 06:38 | 2022-11-14 09:20 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Audited DSCR does not meet guidelines requirements | Waived-Exception: No prior owned real estate - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-11/09/2022 <br>Open-no evidence owned any other REOs - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-11/09/2022<br>| Waived-Exception: No prior owned real estate - Due Diligence Vendor-11/14/2022<br>|  | 5+ years on the current job; property value increasing trend; reserves 3+ months | ExceptionREO [redacted.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 725480 |
| XXXXXXX_2023-NQM1-772 |  | D B A | Closed | FCRE4866 | 2022-11-05 06:35 | 2022-11-14 09:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Original CLTV does not meet eligibility requirement(s) | Waived-Exception DSCR less than 1 max LTV is 75% - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-11/09/2022 <br>Open-DSCR less than 1 max LTV is 75% per July rate sheet. - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-11/09/2022<br>| Waived-Exception DSCR less than 1 max LTV is 75% - Due Diligence Vendor-11/14/2022<br>|  | 5+ years on the current job; property value increasing trend; reserves 3+ months | ExceptionLTV [redacted.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 725475 |
| XXXXXXX_2023-NQM1-773 |  | D B A | Closed | FVAL1310 | 2022-11-05 06:36 | 2022-11-14 09:17 | Waived | 2 - Non-Material D B | Property | Missing Doc | Missing HOA/Condo Certification | Waived-Exception for missing Condo cert - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded. Please clear this exception, thank you! - Seller-11/09/2022 <br>Open- - Due Diligence Vendor-11/05/2022 | Ready for Review-Document Uploaded. Exception form is uploaded. Please clear this exception, thank you! - Seller-11/09/2022<br>| Waived-Exception for missing Condo cert - Due Diligence Vendor-11/14/2022<br>|  | 5+ years on the current job; property value increasing trend; reserves 3+ months | Exception [redacted.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 725476 |
| XXXXXXX_2023-NQM1-774 |  | D B A | Closed | FVAL1039 | 2022-11-05 06:36 | 2022-11-14 09:12 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-Received avm that supports value - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. AVM is uploaded . Conf score is 95. Please clear this condition, thank you - Seller-11/09/2022 <br>Open-AVM sent does not have all required info. it is just a list of comp addresses. Other product provided was from an unfamiliar AVM company. Please confirm acceptability. - Due Diligence Vendor-11/05/2022 | Ready for Review-Document Uploaded. AVM is uploaded . Conf score is 95. Please clear this condition, thank you - Seller-11/09/2022<br>| Resolved-Received avm that supports value - Due Diligence Vendor-11/14/2022<br>|  |  | AVM.aspx (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 725477 |
| XXXXXXX_2023-NQM1-775 |  | D B A | Closed | FCRE4293 | 2022-11-05 06:39 | 2022-11-14 09:10 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Received proof of EMD - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. uploaded, please clear this condition, thank you - Seller-11/09/2022 <br>Open-missing proof $10000 EMD cleared - Due Diligence Vendor-11/05/2022 | Ready for Review-Document Uploaded. uploaded, please clear this condition, thank you - Seller-11/09/2022<br>| Resolved-Received proof of EMD - Due Diligence Vendor-11/14/2022<br>|  |  | 10k wire [redacted].pdf<br>10k escrow.pdf<br>10k wire released.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 725482 |
| XXXXXXX_2023-NQM1-776 |  | D B A | Closed | FCRE1241 | 2022-11-05 06:39 | 2022-11-14 09:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received contract - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. attached, please clear this condition, thank you - Seller-11/09/2022 <br>Open- - Due Diligence Vendor-11/05/2022 | Ready for Review-Document Uploaded. attached, please clear this condition, thank you - Seller-11/09/2022<br>| Resolved-Received contract - Due Diligence Vendor-11/14/2022<br>|  |  | Pur[redacted] contract.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 725481 |
| XXXXXXX_2023-NQM1-777 |  | D B A | Closed | FCRE1180 | 2022-11-05 06:22 | 2022-11-14 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-11/14/2022 <br>Resolved-Received HO6 - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. - Seller-11/09/2022 <br>Open-HO-6 Insurance Policy is Missing no HO6 in file and no premium on HUD - Due Diligence Vendor-11/05/2022 | Ready for Review-Document Uploaded. - Seller-11/09/2022<br>| Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-11/14/2022 <br>Resolved-Received HO6 - Due Diligence Vendor-11/14/2022<br>|  |  | [redacted_Master ins.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 725469 |
| XXXXXXX_2023-NQM1-778 |  | D B A | Closed | FCRE1161 | 2022-11-05 06:22 | 2022-11-14 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/14/2022 <br>Resolved-Flood cert received - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. uploaded, please clear this condition, thank you - Seller-11/09/2022 <br>Open-Missing Flood Certificate - Due Diligence Vendor-11/05/2022 | Ready for Review-Document Uploaded. uploaded, please clear this condition, thank you - Seller-11/09/2022<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/14/2022 <br>Resolved-Flood cert received - Due Diligence Vendor-11/14/2022<br>|  |  | flood cert.PDF | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 725471 |
| XXXXXXX_2023-NQM1-779 |  | B A | Closed | FCRE8611 | 2022-11-07 13:25 | 2022-11-07 13:25 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Lender granted exception to use rental income from the unit which is currently rented now, but was not rented last year, so no info on tax returns<br>See page 1102 - Due Diligence Vendor-11/07/2022 |  | Waived-Lender granted exception to use rental income from the unit which is currently rented now, but was not rented last year, so no info on tax returns<br>See page 1102 - Due Diligence Vendor-11/07/2022<br>|  | Residual income >=$3000, No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 727729 |
| XXXXXXX_2023-NQM1-780 |  | B A | Closed | FVAL9739 | 2022-11-07 10:27 | 2022-11-07 10:27 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Lender granted exception for Investor concentration over 20 % of units <br>See page 1015 - Due Diligence Vendor-11/07/2022 |  | Waived-Lender granted exception for Investor concentration over 20 % of units <br>See page 1015 - Due Diligence Vendor-11/07/2022<br>|  | Revolving debt is under 30%, 5 years on current job, 10 years or more in same line of employment, No credit events past 48 months, 5+ years credit history, No consumer late payments in last 48 months, Credit score >40% than minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 727187 |
| XXXXXXX_2023-NQM1-781 |  | B A | Closed | FVAL5474 | 2022-11-07 10:25 | 2022-11-07 10:25 | Waived | 2 - Non-Material B | Property | Property | Condo project is ineligible | Waived-Lender granted exception for unit owners delinquent on common expense<br>See page 1017<br> - Due Diligence Vendor-11/07/2022 |  | Waived-Lender granted exception for unit owners delinquent on common expense<br>See page 1017<br> - Due Diligence Vendor-11/07/2022<br>|  | Revolving debt is under 30%, 5 years on current job, 10 years or more in same line of employment, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Second Home | Purchase | NA | Originator Pre-Close | Yes | 727183 |
| XXXXXXX_2023-NQM1-782 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-783 |  | D A | Closed | FCOM1110 | 2022-11-07 08:24 | 2023-01-10 07:33 | Resolved | 1 - Information A | Compliance | Disclosure | Pre-Payment Penalty Term not entered | Resolved-Documentation provided correct prepayment terms. finding is resolved. - Due Diligence Vendor-01/10/2023 <br>Ready for Review-Document Uploaded. see attached - Seller-01/10/2023 <br>Open-Maximum Pre-Payment Penalty Amount is greater than 0 but Pre-Payment Penalty Term is 0 Term left blank on rider - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. see attached - Seller-01/10/2023<br>| Resolved-Documentation provided correct prepayment terms. finding is resolved. - Due Diligence Vendor-01/10/2023<br>|  |  | [redacted_NOTE Addendum.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 726840 |
| XXXXXXX_2023-NQM1-784 |  | D A | Closed | FCOM1208 | 2022-11-07 08:31 | 2023-01-10 07:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Received updated Note - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. All signatures are present, Please check the latest uploaded singed closing package. - Seller-11/18/2022 <br>Open-Missing signature - Due Diligence Vendor-11/07/2022 | Ready for Review-Document Uploaded. All signatures are present, Please check the latest uploaded singed closing package. - Seller-11/18/2022<br>| Resolved-Received updated Note - Due Diligence Vendor-11/21/2022<br>|  |  | image.png<br>image.png | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 726855 |
| XXXXXXX_2023-NQM1-785 |  | C A | Closed | finding-3519 | 2022-11-08 14:55 | 2022-11-17 08:44 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received proof of delivery - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. Proof provided - Seller-11/16/2022 <br>Open-proof 11/1 CD sent electronic - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. Proof provided - Seller-11/16/2022<br>| Resolved-Received proof of delivery - Due Diligence Vendor-11/17/2022<br>|  |  | [redacted_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 729769 |
| XXXXXXX_2023-NQM1-786 |  | D A | Closed | FCRE4293 | 2022-11-08 06:42 | 2022-11-14 15:42 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Received proof of emd - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/14/2022 <br>Open-missing proof EMD for $2500 cleared - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/14/2022<br>| Resolved-Received proof of emd - Due Diligence Vendor-11/14/2022<br>|  |  | bank stmt.PDF<br>emd chk.PDF<br>emd receipt.PDF | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 728803 |
| XXXXXXX_2023-NQM1-787 |  | D A | Closed | FCOM1266 | 2022-11-08 06:18 | 2022-11-14 15:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Document received - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/14/2022 <br>Open-Homeownership Counseling Disclosure Is Missing missing - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/14/2022<br>| Resolved-Document received - Due Diligence Vendor-11/14/2022<br>|  |  | homeowner counseling.PDF | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 728765 |
| XXXXXXX_2023-NQM1-788 |  | D A | Closed | FCRE6843 | 2022-11-08 06:43 | 2022-11-14 15:38 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received approval to use funds - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. - Seller-11/09/2022 <br>Open-need CPA to verify use of business funds wont affect business. - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. - Seller-11/09/2022<br>| Resolved-Received approval to use funds - Due Diligence Vendor-11/14/2022<br>|  |  | LOX from UW.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 728804 |
| XXXXXXX_2023-NQM1-789 |  | D A | Closed | FVAL1039 | 2022-11-08 06:42 | 2022-11-14 15:37 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-CU score received and supports value - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. See attached CU score of 1 - Seller-11/09/2022 <br>Open-No CU or AVM - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. See attached CU score of 1 - Seller-11/09/2022<br>| Resolved-CU score received and supports value - Due Diligence Vendor-11/14/2022<br>|  |  | CU score.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 728802 |
| XXXXXXX_2023-NQM1-790 |  | B A | Closed | FCRE6843 | 2022-11-07 16:41 | 2022-11-07 16:41 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Lender Granted Exception for Large deposits not sourced<br>See page 488 - Due Diligence Vendor-11/07/2022 |  | Waived-Lender Granted Exception for Large deposits not sourced<br>See page 488 - Due Diligence Vendor-11/07/2022<br>|  | Revolving debt is under 30%, No credit events past 48 months, No consumer late payments in last 48 months, LTV 10% below maximum, Credit score >40% than minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 728171 |
| XXXXXXX_2023-NQM1-791 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-792 |  | C A | Closed | FCRE6843 | 2022-11-08 07:38 | 2022-11-28 14:40 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-proof of donor transfer received. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. Proof provided - Seller-11/22/2022 <br>Open-missing proof of donor transfer - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. Proof provided - Seller-11/22/2022<br>| Resolved-proof of donor transfer received. - Due Diligence Vendor-11/28/2022<br>|  |  | [redacted_Gift letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 728920 |
| XXXXXXX_2023-NQM1-793 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-794 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-795 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-796 |  | B A | Closed | FCRE2515 | 2022-11-08 08:07 | 2022-11-08 08:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Lender granted exception for home ownership - borrower has not owned a home in the past 24 months.<br>See page 638 - Due Diligence Vendor-11/08/2022 |  | Waived-Lender granted exception for home ownership - borrower has not owned a home in the past 24 months.<br>See page 638 - Due Diligence Vendor-11/08/2022<br>|  | 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 728972 |
| XXXXXXX_2023-NQM1-797 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-798 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-799 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-800 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-801 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-802 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-803 |  | B A | Closed | FVAL9739 | 2022-11-10 09:05 | 2022-11-10 09:05 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Type :Appraisal--Condotel, Kitchen, Sq Ft, Bdrm:Property is condotel. Need exception for 70% LTV. Kitchen, room and less than 500 sq ft. Please<br> see conditions attached and appraisal. Credit is great. Experienced investor.<br> Exception form present on page #175 of 549. <br> - Due Diligence Vendor-11/10/2022 |  | Waived-Exception Type :Appraisal--Condotel, Kitchen, Sq Ft, Bdrm:Property is condotel. Need exception for 70% LTV. Kitchen, room and less than 500 sq ft. Please<br> see conditions attached and appraisal. Credit is great. Experienced investor.<br> Exception form present on page #175 of 549. <br> - Due Diligence Vendor-11/10/2022<br>|  | Reserves>6 months, Experienced investor with 2+ investment properties, Credit score >40% than minimum required,<br> No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48<br> months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 732705 |
| XXXXXXX_2023-NQM1-804 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-805 |  | D B A | Closed | FVAL1039 | 2022-11-09 11:52 | 2022-11-21 11:51 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-Received desk review that supports value - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. CDA uploaded - Seller-11/21/2022 <br>Open-confidence score less than 90 - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. CDA uploaded - Seller-11/21/2022<br>| Resolved-Received desk review that supports value - Due Diligence Vendor-11/21/2022<br>|  |  | CDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 731251 |
| XXXXXXX_2023-NQM1-806 |  | D B A | Closed | FCRE5802 | 2022-11-09 11:48 | 2022-11-09 11:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Cash reserves less than required by guidelines | Waived-Material: Reserves<br> Comment: Need to use cash out as reserves<br> Exception form is available on page#495<br> - Due Diligence Vendor-11/09/2022 |  | Waived-Material: Reserves<br> Comment: Need to use cash out as reserves<br> Exception form is available on page#495<br> - Due Diligence Vendor-11/09/2022<br>|  | Credit score >40% than minimum required, CLTV 10% below maximum, No consumer late payments in last 48 months, No mortgage late payments in last 24 month |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 731249 |
| XXXXXXX_2023-NQM1-807 |  | C A | Closed | FCOM4438 | 2022-11-09 11:59 | 2022-11-15 09:56 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Resolved-Received final CD - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. Correct Final CD provided - Seller-11/14/2022 <br>Open-Final CD on the page #11 of 139 missing with page 2 of the executed CD. Please provide the completed pages of final CD. - Due Diligence Vendor-11/09/2022 | Ready for Review-Document Uploaded. Correct Final CD provided - Seller-11/14/2022<br>| Resolved-Received final CD - Due Diligence Vendor-11/15/2022<br>|  |  | [redacted_Final CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 731272 |
| XXXXXXX_2023-NQM1-808 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-809 |  | D A | Closed | FCRE1325 | 2022-11-08 13:09 | 2022-12-14 08:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-CD received clears the finding - Due Diligence Vendor-12/14/2022 <br>Counter-We are missing the sale of the home for proceeds so only asset we have is Business. If the CD for sale is received and proceeds are = to or greater than $175414.87 then this finding can be rescinded. see last part of the finding\*\* - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Please advise why CPA letter is needed? We are not using business assets. Please see 1003 Page 2. - Seller-11/23/2022 <br>Open-Please provide a CPA letter stating the use of business funds will not effect the business - business bank statements used for income. \*\* Upon receipt of CD from sale of home, ir proceeds = $175414.87 or greater, this can be waived. - Due Diligence Vendor-11/08/2022 | Ready for Review-Please advise why CPA letter is needed? We are not using business assets. Please see 1003 Page 2. - Seller-11/23/2022<br>| Resolved-CD received clears the finding - Due Diligence Vendor-12/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 729567 |
| XXXXXXX_2023-NQM1-810 |  | D B A | Closed | FCOM5413 | 2022-11-08 11:08 | 2022-12-05 13:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Penalty Information Unavailable | Resolved-Received corrected forms - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. Please, find the docs attached. Thank you! - Seller-12/02/2022 <br>Open-Both the Prepayment Addendum to the Note and the Prepayment Rider are missing the term of the prepayment penalty. Per the lock, there is a 5 year prepayment penalty. - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. Please, find the docs attached. Thank you! - Seller-12/02/2022<br>| Resolved-Received corrected forms - Due Diligence Vendor-12/05/2022<br>|  |  | [redacted] SIGNED LOAN DOCS- PREPAYMENT RIDER AND PREPAYMENT ADDENDUM TO NOTE (12-01-22).pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 729323 |
| XXXXXXX_2023-NQM1-811 |  | D B A | Closed | FCRE2515 | 2022-11-08 11:10 | 2022-11-08 11:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Lender granted Exception for 1x30 mortgage (borrower made payment but servicer did not apply to the mortgage due to escrow changes)<br>See page 738 - Due Diligence Vendor-11/08/2022 |  | Waived-Lender granted Exception for 1x30 mortgage (borrower made payment but servicer did not apply to the mortgage due to escrow changes)<br>See page 738 - Due Diligence Vendor-11/08/2022<br>|  | CLTV 10% below maximum, Monthly payment reduction by >=20%, 5+ years credit history |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 729324 |
| XXXXXXX_2023-NQM1-812 |  | B A | Closed | FCRE4802 | 2022-11-09 06:52 | 2022-11-09 06:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 2 | Waived-Found [redacted] in page #290: Stating "No previous home ownership with DSCR". The exception already got approved, we just need to update the approval letter. - Due Diligence Vendor-11/09/2022 |  | Waived-Found [redacted] in page #290: Stating "No previous home ownership with DSCR". The exception already got approved, we just need to update the approval letter. - Due Diligence Vendor-11/09/2022<br>|  | No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 730397 |
| XXXXXXX_2023-NQM1-813 |  | B A | Closed | FCRE3931 | 2022-11-09 06:49 | 2022-11-09 06:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 1 | Waived-Found [redacted] in page page #151: Stating "No home ownership and lease for buyer's name". We had an exception on this file with 1.1 DSCR being one of the requirements. It was approved with 75% LTV, however the appraisal came with much less rental income than initially anticipated. and DSCR became lower than1. We decreased the loan amount and have received the lease agreement from the borrower. Please kindly advise whether 1.1 DSCR requirement on the previous appraisal can be waived with the lease agreement. - Due Diligence Vendor-11/09/2022 |  | Waived-Found [redacted] in page page #151: Stating "No home ownership and lease for buyer's name". We had an exception on this file with 1.1 DSCR being one of the requirements. It was approved with 75% LTV, however the appraisal came with much less rental income than initially anticipated. and DSCR became lower than1. We decreased the loan amount and have received the lease agreement from the borrower. Please kindly advise whether 1.1 DSCR requirement on the previous appraisal can be waived with the lease agreement. - Due Diligence Vendor-11/09/2022<br>|  | Reserves>6 months, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 730394 |
| XXXXXXX_2023-NQM1-814 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 |  |  |  |
| XXXXXXX_2023-NQM1-815 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-816 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-817 |  | C B A | Closed | FCRE1493 | 2022-11-09 05:14 | 2022-11-28 11:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Borrower did not meet the Super Prime requirement of having 3 trade lines reporting for 12 months or 2 trade lines reporting for 24 month - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. Exception form uploaded. Please, review it. - Seller-11/23/2022 <br>Open-borrower has 5 accounts but does not have 3 opened for 12 months or 2 for 24 - Due Diligence Vendor-11/09/2022 | Ready for Review-Document Uploaded. Exception form uploaded. Please, review it. - Seller-11/23/2022<br>| Waived-Borrower did not meet the Super Prime requirement of having 3 trade lines reporting for 12 months or 2 trade lines reporting for 24 month - Due Diligence Vendor-11/28/2022<br>|  | Reserves >=3 months greater than loan program, DTI >= 10% lower than loan program, High Discretionary Income >= $3000 | [redacted_Exception (Tradeline) signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 730297 |
| XXXXXXX_2023-NQM1-818 |  | C B A | Closed | FCRE6763 | 2022-11-09 05:14 | 2022-11-09 05:14 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-2 OD fees and 3 returned item fees in 12 months - Due Diligence Vendor-11/09/2022 |  | Waived-2 OD fees and 3 returned item fees in 12 months - Due Diligence Vendor-11/09/2022<br>|  | DTI >=10% lower than loan program, No credit events past 48 months, No mortgage late payments in last 24 months,<br> Borrower contribution exceeds requirement >=5%<br> page 91 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 730295 |
| XXXXXXX_2023-NQM1-819 |  | C B A | Closed | FCRE1456 | 2022-11-10 01:25 | 2022-11-18 08:44 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-Underwriter explain clears findings - Due Diligence Vendor-11/18/2022 <br>Open-Asset-2 as per guidelines we need two consecutive bank statements here we have latest bank statement of October . September month statement is missing in the file - Due Diligence Vendor-11/10/2022 |  | Resolved-Underwriter explain clears findings - Due Diligence Vendor-11/18/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 732108 |
| XXXXXXX_2023-NQM1-820 |  | C B A | Closed | FCRE9806 | 2022-11-10 03:49 | 2022-11-11 03:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding | Waived-We Found Exception on (pgno:689). It States that the Rural 2 unit property. It used to be a single family, but then it was converted to 2 unit. Good credit, awesome property, good income. The borrower needs a cash-out up to 70%. Extremely rate sensitive - Due Diligence Vendor-11/10/2022 |  | Waived-We Found Exception on (pgno:689). It States that the Rural 2 unit property. It used to be a single family, but then it was converted to 2 unit. Good credit, awesome property, good income. The borrower needs a cash-out up to 70%. Extremely rate sensitive - Due Diligence Vendor-11/10/2022<br>|  | Residual income >=$3000, No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months, Credit score >40% than minimum required, Borrower contribution exceeds requirement >=5% |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 732149 |
| XXXXXXX_2023-NQM1-821 |  | B A | Closed | FCRE6763 | 2022-11-09 09:48 | 2022-11-09 09:48 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Found [redacted] in pg 54 states Seasoning of business \*The borrower's business used for qualifying purposes must have been in existence for at least two years\* to be waived. Borrower has been in the same line of work for 15+ years. Has been business owner for 13+ months. - Due Diligence Vendor-11/09/2022 |  | Waived-Found [redacted] in pg 54 states Seasoning of business \*The borrower's business used for qualifying purposes must have been in existence for at least two years\* to be waived. Borrower has been in the same line of work for 15+ years. Has been business owner for 13+ months. - Due Diligence Vendor-11/09/2022<br>|  | Several income sources and DTI below 45%, 5 years on current job, DTI >=10% lower than loan program, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48 months, Reserves>6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 730881 |
| XXXXXXX_2023-NQM1-822 |  | B A | Closed | FCRE3931 | 2022-11-09 04:45 | 2022-11-09 04:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 1 | Waived-Found [redacted] in pg 669 states "75% LTV with 690 FICO as opposed to 700 FICO" File is clear to close. DSCR > 1.00.<br> - Due Diligence Vendor-11/09/2022 |  | Waived-Found [redacted] in pg 669 states "75% LTV with 690 FICO as opposed to 700 FICO" File is clear to close. DSCR > 1.00.<br> - Due Diligence Vendor-11/09/2022<br>|  | Revolving debt is under 30%, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 730275 |
| XXXXXXX_2023-NQM1-823 |  | B A | Closed | FCRE9994 | 2022-11-09 14:54 | 2022-11-09 14:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Waived-Exception Type :- Material: LTV<br> Short Description :- DSCR is at .61<br> Comments :- We have an approval see attached with DSCR .65 , our DSCR is now at .61 now Need you approval to get CTC please additional hit for this Prefferd broker TYSM<br> Exception form available on page no 574, 41, 43 - Due Diligence Vendor-11/09/2022 |  | Waived-Exception Type :- Material: LTV<br> Short Description :- DSCR is at .61<br> Comments :- We have an approval see attached with DSCR .65 , our DSCR is now at .61 now Need you approval to get CTC please additional hit for this Prefferd broker TYSM<br> Exception form available on page no 574, 41, 43 - Due Diligence Vendor-11/09/2022<br>|  | Reserves>6 months, Experienced investor with 2+ investment properties, Credit score >40% than minimum required, No consumer late payments in last 48 months Revolving debt is under 30%, No credit events past 48 months, Credit<br> score >40% than minimum required, Reserves>6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 731622 |
| XXXXXXX_2023-NQM1-824 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-825 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-826 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-827 |  | C A | Closed | finding-3519 | 2022-11-09 12:37 | 2022-11-21 11:54 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received proof of receipt - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-Proof CD 11/1 sent electronic - Due Diligence Vendor-11/09/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-Received proof of receipt - Due Diligence Vendor-11/21/2022<br>|  |  | [redacted_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 731341 |
| XXXXXXX_2023-NQM1-828 |  | B A | Closed | FCRE1493 | 2022-11-09 08:41 | 2022-11-09 08:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Lender granted exception for Credit - Borrower has 3 tradelines but 1 not reporting<br>See page 578 - Due Diligence Vendor-11/09/2022 |  | Waived-Lender granted exception for Credit - Borrower has 3 tradelines but 1 not reporting<br>See page 578 - Due Diligence Vendor-11/09/2022<br>|  | Experienced investor with 2+ investment properties, Borrower contribution exceeds requirement >=5%, CLTV 10% below maximum, Revolving debt is under 30%, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 730689 |
| XXXXXXX_2023-NQM1-829 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-830 |  | C A | Closed | finding-3652 | 2022-11-09 18:17 | 2022-11-28 10:32 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-updated LE provided - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. The COC is for LE 13/10. There are no changes in Lender credit on CD 10/20. - Seller-11/25/2022 <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 ($5,250.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($7,350.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Provide the COC for CD 10/20/2022 showing the Lender Credits decreased to $1,050.00 from LE 09/29/2022 with a Lender Credit of $7,350.00.<br> The only COC in file showing the Lender Credit decreased to $1,050.00 is dated 10/13/2022. - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. The COC is for LE 13/10. There are no changes in Lender credit on CD 10/20. - Seller-11/25/2022<br>| Resolved-updated LE provided - Due Diligence Vendor-11/28/2022<br>|  |  | [redacted_Redisclosure 10.13.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 731821 |
| XXXXXXX_2023-NQM1-831 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-832 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-833 |  | B A | Closed | FCRE6763 | 2022-11-09 09:52 | 2022-11-09 09:52 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-3 Overdrafts - Due Diligence Vendor-11/09/2022 |  | Waived-3 Overdrafts - Due Diligence Vendor-11/09/2022<br>|  | Revolving debt is under 30%, 5 years on current job, 10 years or more in same line of employment, Reserves>6<br> months<br> Page 147 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 730897 |
| XXXXXXX_2023-NQM1-834 |  | B A | Closed | FCRE1194 | 2022-11-09 09:50 | 2022-11-09 09:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% exception for 80% LTV with borrower's score of 669 - Due Diligence Vendor-11/09/2022 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% exception for 80% LTV with borrower's score of 669 - Due Diligence Vendor-11/09/2022<br>|  | Revolving debt is under 30%, 5 years on current job, 10 years or more in same line of employment, 5+ years credit history<br> Page 115 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 730893 |
| XXXXXXX_2023-NQM1-835 |  | D A C | Closed | FCOM1522 | 2022-11-09 09:58 | 2022-11-17 08:06 | Resolved | 1 - Information C A | Compliance | State Reg | Texas Home Equity loan and No evidence of disclosure or borrower receipt of copies of loan documents present or only partially present. | Resolved-Received signed documents for proof of delivery - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/15/2022 <br>Counter-There is a disclosure needed that borrower and lender sign - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/10/2022 <br>Open-Missing full documentation that the borrower received copies of loan documents or the evidence of copies disclosure. - Due Diligence Vendor-11/09/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/15/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/10/2022<br>| Resolved-Received signed documents for proof of delivery - Due Diligence Vendor-11/17/2022<br>|  |  | Drumm Tx F2.pdf<br>Drumm Disclosure Tracking.pdf<br>Drumm FMV.pdf<br>Drumm Early Copy of Loan Application signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 730914 |
| XXXXXXX_2023-NQM1-836 |  | D A C | Closed | FCOM1512 | 2022-11-09 09:58 | 2022-11-14 15:51 | Resolved | 1 - Information C A | Compliance | State Reg | Texas Home Equity loan and No Texas F2 disclosure present or only partially present. | Resolved-Texas Home Equity loan and Texas F2 disclosure are fully present or not applicable - Due Diligence Vendor-11/14/2022 <br>Resolved-Received F2 - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/10/2022 <br>Open-Texas Home Equity loan and Texas F2 disclosure must be fully present. - Due Diligence Vendor-11/09/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/10/2022<br>| Resolved-Texas Home Equity loan and Texas F2 disclosure are fully present or not applicable - Due Diligence Vendor-11/14/2022 <br>Resolved-Received F2 - Due Diligence Vendor-11/14/2022<br>|  |  | Drumm Disclosure Tracking.pdf<br>Drumm FMV.pdf<br>Drumm Tx F2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 730915 |
| XXXXXXX_2023-NQM1-837 |  | D A C | Closed | FCOM1525 | 2022-11-09 09:58 | 2022-11-14 15:51 | Resolved | 1 - Information C A | Compliance | State Reg | Texas Home Equity loan and date of Acknowledgement of Fair Market Value Disclosure is not Application date. | Resolved-Received - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/10/2022 <br>Open-Texas Home Equity loan but date of Acknowledgement of Fair Market Value Disclosure is not the same as the Application date. Lender did not sign. Please send a signed copy by Lender. Note - DATE Is ok on disclosure. - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/10/2022<br>| Resolved-Received - Due Diligence Vendor-11/14/2022<br>|  |  | Drumm Disclosure Tracking.pdf<br>Drumm FMV.pdf<br>Drumm Tx F2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 730916 |
| XXXXXXX_2023-NQM1-838 |  | D A C | Closed | FCOM4028 | 2022-11-09 09:17 | 2022-11-14 15:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Received recorded mortgage - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. - Seller-11/10/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-11/09/2022 | Ready for Review-Document Uploaded. - Seller-11/10/2022<br>| Resolved-Received recorded mortgage - Due Diligence Vendor-11/14/2022<br>|  | Please see attached | Drumm DOT_Recorded.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 730759 |
| XXXXXXX_2023-NQM1-839 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-840 |  | B A | Closed | FCRE9991 | 2022-11-10 05:45 | 2022-11-15 09:53 | Resolved | 1 - Information B A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Received updated tape - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. Updated tape - Seller-11/14/2022 <br>Open-loan program is 12 months bank statement not full doc - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. Updated tape - Seller-11/14/2022<br>| Resolved-Received updated tape - Due Diligence Vendor-11/15/2022<br>|  |  | Updated tape.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 732182 |
| XXXXXXX_2023-NQM1-841 |  | C A | Closed | FCRE1441 | 2022-11-10 09:47 | 2022-11-15 09:48 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Lender detail uploaded clears finding - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. Borrower has no mortgage late in the last 12mos (Meets Super Prime Guideline). Last late occurred 07/2021 please see attached credit report; Loan App dated 08/11/22 - Seller-11/14/2022 <br>Open-Borrower 2's departure residence has a late mortgage payment with in the last 12 months. See credit supplement page 581 - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. Borrower has no mortgage late in the last 12mos (Meets Super Prime Guideline). Last late occurred 07/2021 please see attached credit report; Loan App dated 08/11/22 - Seller-11/14/2022<br>| Resolved-Lender detail uploaded clears finding - Due Diligence Vendor-11/15/2022<br>|  |  | [redacted_credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 732795 |
| XXXXXXX_2023-NQM1-842 |  | D B C A | Closed | FCRE6843 | 2022-11-11 13:09 | 2022-11-17 08:18 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received proof of emd - Due Diligence Vendor-11/17/2022 <br> Ready for Review-Document Uploaded. - Seller-11/16/2022 <br> Open-missing proof $xxx EMD cleared - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. - Seller-11/16/2022<br>| Resolved-Received proof of emd - Due Diligence Vendor-11/17/2022<br>|  |  | [redacted_EMD letter.pdf<br> [redacted_EMD wire conf.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 734306 |
| XXXXXXX_2023-NQM1-843 |  | D B C A | Closed | FCRE3931 | 2022-11-11 11:00 | 2022-11-17 08:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Other Credit Finding 1 | Waived-Exception: Loan did not meet the DSCR requirement of owning a property within 24 months<br> - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. - Seller-11/16/2022 <br>Open-Loan program is DSCR and borrower is a first time home buyer. - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. - Seller-11/16/2022<br>| Waived-Exception: Loan did not meet the DSCR requirement of owning a property within 24 months<br> - Due Diligence Vendor-11/17/2022<br>|  | Borrower FICO 718. low credit utilization, reserves > than 3 months, borrower contribution exceeds 5%. | [redacted_exception for first time homebuyer dscr loan and missing EMD sourcing - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 734135 |
| XXXXXXX_2023-NQM1-844 |  | D B C A | Closed | FVAL1310 | 2022-11-11 13:10 | 2022-11-17 08:15 | Resolved | 1 - Information D A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved-Received Condo cert - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. see attached condo cert - Seller-11/16/2022 <br>Open-missing - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. see attached condo cert - Seller-11/16/2022<br>| Resolved-Received Condo cert - Due Diligence Vendor-11/17/2022<br>|  |  | [redacted_condo cert.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 734307 |
| XXXXXXX_2023-NQM1-845 |  | D B C A | Closed | FPRO116 | 2022-11-11 13:09 | 2022-11-11 13:09 | Waived | 2 - Non-Material B | Property | Property | Other Property/Value Finding | Waived-Section 7 question 1<br> Comments Section 7 question 1 must have a date and cannot be "unknown" The current association does not<br> have the records of the last inspection date and the previous association apparently went out of<br> business. We are unable to get a response from the county as well. - Due Diligence Vendor-11/11/2022 |  | Waived-Section 7 question 1<br> Comments Section 7 question 1 must have a date and cannot be "unknown" The current association does not<br> have the records of the last inspection date and the previous association apparently went out of<br> business. We are unable to get a response from the county as well. - Due Diligence Vendor-11/11/2022<br>|  | CLTV 10% below maximum, No consumer late payments in last 48 months, DSCR=> 1.3 <br> page 1 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 734305 |
| XXXXXXX_2023-NQM1-846 |  | D B A | Closed | FCRE1325 | 2022-11-10 16:31 | 2022-11-15 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. - Seller-11/14/2022 <br>Open-Please proved a CPA letter stating the use of business funds will not effect the business - business bank statements used for income. - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. - Seller-11/14/2022<br>| Resolved-Received CPA letter - Due Diligence Vendor-11/15/2022<br>|  |  | [redacted_cpa letter..pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 733525 |
| XXXXXXX_2023-NQM1-847 |  | D B A | Closed | FCRE6843 | 2022-11-10 16:35 | 2022-11-10 16:35 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Lender granted exception for NSF - 4 within the last 12 months<br>See page 565 - Due Diligence Vendor-11/10/2022 |  | Waived-Lender granted exception for NSF - 4 within the last 12 months<br>See page 565 - Due Diligence Vendor-11/10/2022<br>|  | No mortgage late payments in last 24 months, 5+ years credit history, 2+ borrowers on the loan |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 733527 |
| XXXXXXX_2023-NQM1-848 |  | B A | Closed | FVAL9739 | 2022-11-10 10:55 | 2022-11-11 01:47 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-We Found Exception on (pgno:444). It States About Appraisal Subject does not have full size kitchen. Credit and appraisal attached. - Due Diligence Vendor-11/10/2022 |  | Waived-We Found Exception on (pgno:444). It States About Appraisal Subject does not have full size kitchen. Credit and appraisal attached. - Due Diligence Vendor-11/10/2022<br>|  | Credit score >40% than minimum required, CLTV 10% below maximum, Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 732899 |
| XXXXXXX_2023-NQM1-849 |  | B A | Closed | FCRE9806 | 2022-11-10 10:57 | 2022-11-11 01:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding | Waived-We Found Exception on (PGNO: 446). It States that the : Using the narrative form<br> of the market rents in lieu of a 1007. - Due Diligence Vendor-11/10/2022 |  | Waived-We Found Exception on (PGNO: 446). It States that the : Using the narrative form<br> of the market rents in lieu of a 1007. - Due Diligence Vendor-11/10/2022<br>|  | Credit score >40% than minimum required, CLTV 10% below maximum, Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 732907 |
| XXXXXXX_2023-NQM1-850 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-851 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-852 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-853 |  | A | Closed | FCRE1335 | 2022-11-14 08:42 | 2022-11-17 08:50 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-11/17/2022 <br>Resolved-Received tax returns - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. IRS transcripts provided - Seller-11/15/2022 <br>Open-tax return file but no IRS transcripts in file - Due Diligence Vendor-11/14/2022 | Ready for Review-Document Uploaded. IRS transcripts provided - Seller-11/15/2022<br>| Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-11/17/2022 <br>Resolved-Received tax returns - Due Diligence Vendor-11/17/2022<br>|  |  | [redacted_IRS Tax Transcript 2021.pdf<br> [redacted_IRS Tax Transcript 2020.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 735052 |
| XXXXXXX_2023-NQM1-854 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-855 |  | C B A | Closed | FCRE6843 | 2022-11-11 16:16 | 2022-11-17 08:52 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-EMD backed out still meets guidelines - Due Diligence Vendor-11/17/2022 <br>Ready for Review-The EMD was backed out of the available assets. Thank you! - Seller-11/16/2022 <br>Open-EMD proof of $4,000.00 is missing. - Due Diligence Vendor-11/11/2022 | Ready for Review-The EMD was backed out of the available assets. Thank you! - Seller-11/16/2022<br>| Resolved-EMD backed out still meets guidelines - Due Diligence Vendor-11/17/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 734525 |
| XXXXXXX_2023-NQM1-856 |  | C B A | Closed | FVAL9739 | 2022-11-10 14:41 | 2022-11-10 14:42 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Type-Material: Appraisal<br> Short Description-DACA/EAD card exp. US has temp hold on DACA apps<br> Comments-Borrower can not apply for new DACA until the US supreme court decision.<br> Exception Form provided on page no. 321 of 776 - Due Diligence Vendor-11/10/2022 |  | Waived-Exception Type-Material: Appraisal<br> Short Description-DACA/EAD card exp. US has temp hold on DACA apps<br> Comments-Borrower can not apply for new DACA until the US supreme court decision.<br> Exception Form provided on page no. 321 of 776 - Due Diligence Vendor-11/10/2022<br>|  | Credit score >40% than minimum required, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 733337 |
| XXXXXXX_2023-NQM1-857 |  | C A | Closed | FCOM9967 | 2022-11-11 10:17 | 2022-11-21 11:55 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Loan Estimate Deficiency | Resolved-Receipt of delivery proof - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. Please, see attached. Thank you! - Seller-11/21/2022 <br>Open-Provide evidence LE 11/01/2022 was sent electronically. - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. Please, see attached. Thank you! - Seller-11/21/2022<br>| Resolved-Receipt of delivery proof - Due Diligence Vendor-11/21/2022<br>|  |  | [redacted_LE 11-1 sent electronically.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 734081 |
| XXXXXXX_2023-NQM1-858 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-859 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-860 |  | C B A | Closed | FCOM1265 | 2022-11-10 12:43 | 2022-11-21 11:56 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Chain of title does take off non lending borrower - Due Diligence Vendor-11/21/2022 <br>Ready for Review-The borrower applied for credit as an individual and holds the title as his sole and separate property. Please, see the chain of title (1031399_Closing docs.pdf, p. 507) and the Mortgage (1031399_Signed closing pkg.pdf, p.123) confirming it. Thank you! - Seller-11/18/2022 <br>Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form Missing RTC for spouse - Due Diligence Vendor-11/10/2022 | Ready for Review-The borrower applied for credit as an individual and holds the title as his sole and separate property. Please, see the chain of title (1031399_Closing docs.pdf, p. 507) and the Mortgage (1031399_Signed closing pkg.pdf, p.123) confirming it. Thank you! - Seller-11/18/2022<br>| Resolved-Chain of title does take off non lending borrower - Due Diligence Vendor-11/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 733135 |
| XXXXXXX_2023-NQM1-861 |  | C B A | Closed | FCRE6843 | 2022-11-10 13:07 | 2022-11-10 13:07 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-gift fund in borrowers NEW account less than 2 M<br> Comments Gift funds were deposited in an account opened on 10/12/2022 UW is asking for seasoning of the<br> account Please approve this 38% LTV R&T with no hit - Due Diligence Vendor-11/10/2022 |  | Waived-gift fund in borrowers NEW account less than 2 M<br> Comments Gift funds were deposited in an account opened on 10/12/2022 UW is asking for seasoning of the<br> account Please approve this 38% LTV R&T with no hit - Due Diligence Vendor-11/10/2022<br>|  | No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last<br> 48 months, LTV 10% below maximum, Credit score >40% than minimum required<br> Pg.614 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes | 733177 |
| XXXXXXX_2023-NQM1-862 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-863 |  | B A | Closed | FCRE1174 | 2022-11-10 15:14 | 2022-11-10 15:14 | Waived | 2 - Non-Material B | Credit | Missing Doc | Master Condo Insurance Policy is Partial | Waived-Exception Type : Material: Credit<br> Short Description : Master Policy with 10% Windstorm Deductible<br> - Due Diligence Vendor-11/10/2022 |  | Waived-Exception Type : Material: Credit<br> Short Description : Master Policy with 10% Windstorm Deductible<br> - Due Diligence Vendor-11/10/2022<br>|  | Borrower contribution exceeds requirement >=5%, CLTV 10% below maximum, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 733396 |
| XXXXXXX_2023-NQM1-864 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-865 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-866 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-867 |  | B A | Closed | FCRE6696 | 2022-11-11 06:39 | 2022-11-14 08:56 | Waived | 2 - Non-Material B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-LLC only 1.5 years ago. He continues to work in the same line of business, so can we<br> proceed without having 2 years from the formation of the LLC. - Due Diligence Vendor-11/11/2022 |  | Waived-LLC only 1.5 years ago. He continues to work in the same line of business, so can we<br> proceed without having 2 years from the formation of the LLC. - Due Diligence Vendor-11/11/2022<br>|  | Revolving debt is under 30%, Residual income >=$3000, No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months, Credit score >40% than<br> minimum required, Borrower contribution exceeds requirement >=5%<br> Page 16 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 733611 |
| XXXXXXX_2023-NQM1-868 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-869 |  | C B A | Closed | FCRE1197 | 2022-11-14 01:33 | 2022-12-13 12:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Waiver provided for FICO is less then in Guideline fore LTV 65% - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. Exception form uploaded - Seller-12/13/2022 <br>Open-Audited FICO of 627 is less than Guideline FICO of 660 Minimum credit score is 660 for LTV of 65%. Max LTV is 60% with FICO score of 627. LTV exception in the file (pg 851) was for LTV and loan amount. - Due Diligence Vendor-11/14/2022 | Ready for Review-Document Uploaded. Exception form uploaded - Seller-12/13/2022<br>| Waived-Waiver provided for FICO is less then in Guideline fore LTV 65% - Due Diligence Vendor-12/13/2022<br>|  | no credit events past 48, no mortgage lates in last 12, no consumer lates in past 48 | [redacted_exception_signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 734747 |
| XXXXXXX_2023-NQM1-870 |  | C B A | Closed | FCRE1501 | 2022-11-14 01:14 | 2022-11-14 03:27 | Waived | 2 - Non-Material B | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Total Qualified Assets for Reserves Post-Close of $3100 is less than Total Required Reserve Amount of $3226.2 Found exception form on page no - 83 for the Total Qualified Assets for Reserves Post-Close of $3100 is less than Total Required Reserve Amount of $3226.2 - Due Diligence Vendor-11/14/2022 |  | Waived-Total Qualified Assets for Reserves Post-Close of $3100 is less than Total Required Reserve Amount of $3226.2 Found exception form on page no - 83 for the Total Qualified Assets for Reserves Post-Close of $3100 is less than Total Required Reserve Amount of $3226.2 - Due Diligence Vendor-11/14/2022<br>|  | No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 734729 |
| XXXXXXX_2023-NQM1-871 |  | C B A | Closed | FCRE1198 | 2022-11-14 01:33 | 2022-11-14 03:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 2.88 month(s) are less than Guideline Required Reserves of 3 month(s) Found exception form on page no- 694,681 for the Audited Reserves of 2.88 months are less than Guideline Required Reserves of 3 months - Due Diligence Vendor-11/14/2022 |  | Waived-Audited Reserves of 2.88 month(s) are less than Guideline Required Reserves of 3 month(s) Found exception form on page no- 694,681 for the Audited Reserves of 2.88 months are less than Guideline Required Reserves of 3 months - Due Diligence Vendor-11/14/2022<br>|  | No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 734749 |
| XXXXXXX_2023-NQM1-872 |  | C B A | Closed | FCRE1200 | 2022-11-14 01:33 | 2022-11-14 03:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $86450 is less than the Guideline Minimum Loan Amount of $100000 Found exception form on page no-851 for the audited loan amount less than the guideline amount - Due Diligence Vendor-11/14/2022 |  | Waived-Audited Loan Amount of $86450 is less than the Guideline Minimum Loan Amount of $100000 Found exception form on page no-851 for the audited loan amount less than the guideline amount - Due Diligence Vendor-11/14/2022<br>|  | No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48months No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments<br> in last 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 734748 |
| XXXXXXX_2023-NQM1-873 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-874 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-875 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-876 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-877 |  | D A | Closed | FVAL1039 | 2022-11-15 11:16 | 2022-11-21 11:59 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-Received desk review and supports value - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. CDA provided - Seller-11/21/2022 <br>Open-AVM confidence score is 78 - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. CDA provided - Seller-11/21/2022<br>| Resolved-Received desk review and supports value - Due Diligence Vendor-11/21/2022<br>|  |  | [redacted_CDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 737034 |
| XXXXXXX_2023-NQM1-878 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-879 |  | B A | Closed | FCRE1195 | 2022-11-11 17:48 | 2022-11-11 17:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Lender Exception to allow 75% for DSCR <1. = 5% LTV Exception - Due Diligence Vendor-11/12/2022 |  | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Lender Exception to allow 75% for DSCR <1. = 5% LTV Exception - Due Diligence Vendor-11/12/2022<br>|  | Experienced investor with 2+ properties, Credit Score > 20 points above program minimum(not 40 as 75% requires a 700 score), No consumer lates last 48 months, No mortgage lates last 24 months, No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 734567 |
| XXXXXXX_2023-NQM1-880 |  | B A | Closed | FPRO116 | 2022-11-11 17:52 | 2022-11-11 17:53 | Waived | 2 - Non-Material B | Property | Property | Other Property/Value Finding | Waived-Page 639. Exception to accept property that is a 2 unit Condo building - same owner. Previously a duplex. <br>- Due Diligence Vendor-11/12/2022 |  | Waived-Page 639. Exception to accept property that is a 2 unit Condo building - same owner. Previously a duplex. <br>- Due Diligence Vendor-11/12/2022<br>|  | Experienced investor with 2+ properties, Credit Score > 20 points above program minimum(not 40 as 75% requires a 700 score), No consumer lates last 48 months, No mortgage lates last 24 months, No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 734569 |
| XXXXXXX_2023-NQM1-881 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-882 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-883 |  | B A | Closed | FCRE8955 | 2022-11-11 14:53 | 2022-11-11 14:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Loans to Borrower exceeds guidelines | Waived-Exception Type: Loan Amount--Loan #7 for same borrower. <br> Exception form on page #661 - Due Diligence Vendor-11/11/2022 |  | Waived-Exception Type: Loan Amount--Loan #7 for same borrower. <br> Exception form on page #661 - Due Diligence Vendor-11/11/2022<br>|  | Revolving debt is under 30%, Residual income >=$3000, DTI >=10% lower than loan program, No credit events past<br> 48 months, No mortgage late payments in last 24 months, 5+ years credit history, Credit score >40% than minimum<br> required, Reserves>6 months, Other: specify below |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 734446 |
| XXXXXXX_2023-NQM1-884 |  | D A | Closed | FVAL1039 | 2022-11-11 14:01 | 2022-11-17 15:05 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-Desk Review supported value. finding is resolved. - Due Diligence Vendor-11/17/2022 <br> Ready for Review-Document Uploaded. Please see attached - Seller-11/17/2022 <br> Counter-AVM value of $690,000 is 33% less than [redacted] value Need Desk Review or bpo - Due Diligence Vendor-11/15/2022 <br> Ready for Review-Document Uploaded. see attached - Seller-11/14/2022 <br> Open- - property is a 4 plex so CU scores would be 0 if present. Please provide AVM or Desk Review. - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/17/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-11/14/2022<br>| Resolved-Desk Review supported value. finding is resolved. - Due Diligence Vendor-11/17/2022<br>|  |  | AVM [redacted.pdf<br> CDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 734381 |
| XXXXXXX_2023-NQM1-885 |  | D A | Closed | FCRE1501 | 2022-11-11 13:47 | 2022-11-17 08:11 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Bank statements received clears findingss - Due Diligence Vendor-11/17/2022 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $30594.71 is equal to or greater than Total Required Reserve Amount of $6505.32 - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. Please see attached statements - Seller-11/17/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $6505.32 - Verified assets $0, 3 months reserves required equal to $6,505.31, borrower is hence short $6,505.31 to meet reserve requirement - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. Please see attached statements - Seller-11/17/2022<br>| Resolved-Bank statements received clears findingss - Due Diligence Vendor-11/17/2022 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $30594.71 is equal to or greater than Total Required Reserve Amount of $6505.32 - Due Diligence Vendor-11/17/2022<br>|  |  | BS 09-21-22.pdf<br>BS 10-20-22.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 734356 |
| XXXXXXX_2023-NQM1-886 |  | D A | Closed | FCRE1205 | 2022-11-11 13:51 | 2022-11-17 08:08 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-11/17/2022 <br>Resolved-Received fraud guard corrected - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-11/16/2022 <br>Open-OFAC Check Not Completed and/or Cleared - missing Fraud report and Credit Report stated that OFAC was not performed. - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. see attached - Seller-11/16/2022<br>| Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-11/17/2022 <br>Resolved-Received fraud guard corrected - Due Diligence Vendor-11/17/2022<br>|  |  | [redacted FraudGuard.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 734358 |
| XXXXXXX_2023-NQM1-887 |  | D A | Closed | FCRE1201 | 2022-11-11 13:51 | 2022-11-17 08:08 | Resolved | 1 - Information A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/17/2022 <br>Rescinded-Missing Third Party Fraud Report - Due Diligence Vendor-11/11/2022 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/17/2022 <br>Rescinded-Missing Third Party Fraud Report - Due Diligence Vendor-11/11/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 734359 |
| XXXXXXX_2023-NQM1-888 |  | D A | Closed | FCRE9806 | 2022-11-11 14:02 | 2022-11-16 09:17 | Resolved | 1 - Information C A | Credit | Eligibility | Other Credit Finding | Resolved-Received id - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-11/15/2022 <br>Open- - please provide ID's for both borrower's - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. see attached - Seller-11/15/2022<br>| Resolved-Received id - Due Diligence Vendor-11/16/2022<br>|  |  | [redacted.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 734382 |
| XXXXXXX_2023-NQM1-889 |  | D A | Closed | FCRE2515 | 2022-11-11 14:00 | 2022-11-16 09:16 | Resolved | 1 - Information C A | Credit | Eligibility | Credit history does not meet guidelines | Resolved-Received pay history - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-11/15/2022 <br>Open- - please provide 12 months of payment history for the mortgage being refinanced - XXXXXXXXX - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. See attached - Seller-11/15/2022<br>| Resolved-Received pay history - Due Diligence Vendor-11/16/2022<br>|  |  | 12 month payment history.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 734377 |
| XXXXXXX_2023-NQM1-890 |  | D A | Closed | FCRE1161 | 2022-11-11 13:43 | 2022-11-16 09:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/16/2022 <br>Resolved-Received Flood cert - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-11/15/2022 <br>Open-Missing Flood Certificate - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. see attached - Seller-11/15/2022<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/16/2022 <br>Resolved-Received Flood cert - Due Diligence Vendor-11/16/2022<br>|  |  | Flood Cert.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 734351 |
| XXXXXXX_2023-NQM1-891 |  | D A | Closed | FCRE9991 | 2022-11-11 14:06 | 2022-11-16 09:12 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Received updated tape - Due Diligence Vendor-11/16/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-11/16/2022 <br>Open-Data Tape DCSR 1.97 Audited DSCR 2.54 Data Tape Interest Rate 7.13% Note Rate 1.125% Loan Locked as a 2Y Full Doc when it is a DSCR. - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. see attached - Seller-11/16/2022<br>| Resolved-Received updated tape - Due Diligence Vendor-11/16/2022<br>|  |  | Updated tape.xlsx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 734387 |
| XXXXXXX_2023-NQM1-892 |  | D A | Closed | FCRE1182 | 2022-11-11 13:58 | 2022-11-15 09:52 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval - Due Diligence Vendor-11/15/2022 <br>Ready for Review-Document Uploaded. please see attached - Seller-11/14/2022 <br>Open- - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. please see attached - Seller-11/14/2022<br>| Resolved-Received approval - Due Diligence Vendor-11/15/2022<br>|  |  | approval letter.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 734365 |
| XXXXXXX_2023-NQM1-893 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-894 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-895 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-896 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-897 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-898 |  | C B A | Closed | FCRE1491 | 2022-11-15 05:30 | 2022-11-17 08:14 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Exception Short reserves since we cant use cashout proceeds<br> - Due Diligence Vendor-11/17/2022 <br>Ready for Review-Document Uploaded. - Seller-11/16/2022 <br>Open-Asset Qualification Does Not Meet Guideline Requirements missing 2 months assets to cover 3 months reserves for $3557.31 - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. - Seller-11/16/2022<br>| Waived-Exception Short reserves since we cant use cashout proceeds<br> - Due Diligence Vendor-11/17/2022<br>|  | Experienced investor with 2+ investment properties, Credit score >40% than minimum required, No consumer late<br> payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events 48months | [redacted_exception for reserves.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 736383 |
| XXXXXXX_2023-NQM1-899 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-900 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-901 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-902 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-903 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-904 |  | B A | Closed | FCRE1194 | 2022-11-15 08:05 | 2022-11-15 08:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% dscr less than 1<br> Comments Purchase dscr .799 75% ltv - Due Diligence Vendor-11/15/2022 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% dscr less than 1<br> Comments Purchase dscr .799 75% ltv - Due Diligence Vendor-11/15/2022<br>|  | Experienced investor with 2+ investment properties, Borrower contribution exceeds requirement >=5%, Credit score<br> >40% than minimum required, No consumer late payments in last 48 months, 5+ years credit history, No mortgage<br> late payments in last 24 months<br> page 820 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 736616 |
| XXXXXXX_2023-NQM1-905 |  | C A | Closed | finding-3631 | 2022-11-15 11:58 | 2022-12-01 14:14 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC cures finding - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. COC provided - Seller-11/30/2022 <br>Counter-need COC from closing CD. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. COC provided - Seller-11/23/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Provide the COC for CD 11/04/2022 showing the increase in Discount Fee. - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. COC provided - Seller-11/30/2022 <br>Ready for Review-Document Uploaded. COC provided - Seller-11/23/2022<br>| Resolved-COC cures finding - Due Diligence Vendor-12/01/2022<br>|  |  | [redacted_COC.pdf<br> [redacted_COC CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 737155 |
| XXXXXXX_2023-NQM1-906 |  | C A | Closed | finding-3632 | 2022-11-15 11:58 | 2022-12-01 14:14 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC cures finding - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. COC provided - Seller-11/30/2022 <br>Ready for Review-Document Uploaded. COC provided - Seller-11/23/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Provide the COC for CD 11/04/2022 showing the increase in Discount Fee. - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. COC provided - Seller-11/30/2022 <br>Ready for Review-Document Uploaded. COC provided - Seller-11/23/2022<br>| Resolved-COC cures finding - Due Diligence Vendor-12/01/2022<br>|  |  | [redacted_COC.pdf<br> [redacted_COC CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 737156 |
| XXXXXXX_2023-NQM1-907 |  | C A | Closed | finding-3634 | 2022-11-15 11:58 | 2022-12-01 14:14 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC cures finding - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. COC provided - Seller-11/30/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/28/2022 <br>Counter-this is the wrong COC. Need COC for increased discount points at close of $1509.20 - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. COC provided - Seller-11/23/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $480.20.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). Provide the COC for CD 11/04/2022 showing the increase in Discount Fee. - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. COC provided - Seller-11/30/2022 <br>Ready for Review-Document Uploaded. COC provided - Seller-11/23/2022<br>| Resolved-COC cures finding - Due Diligence Vendor-12/01/2022 <br>Resolved-Resolved - Due Diligence Vendor-11/28/2022<br>|  |  | [redacted_COC.pdf<br> [redacted_COC CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 737157 |
| XXXXXXX_2023-NQM1-908 |  | C A | Closed | finding-697 | 2022-11-15 11:51 | 2022-11-28 10:57 | Resolved | 1 - Information C A | Compliance | Points & Fees | GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test | Resolved-added bonifed points. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. As per compliance report, we have 3.61% (excluding 1% bona fide points). - Seller-11/25/2022 <br>Open-This loan has terms that exceed the high-cost home loan points and fees threshold.<br> (GA SB 53 7-6A-2(7),(17)(B))<br> The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:<br>5 percent of the total loan amount if the total loan amount is $20,000.00 or more.<br> The lesser of 8 percent of the total loan amount or $1,000.00 if the total loan amount is less than $20,000.00.<br> - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. As per compliance report, we have 3.61% (excluding 1% bona fide points). - Seller-11/25/2022<br>| Resolved-added bonifed points. - Due Diligence Vendor-11/28/2022<br>|  |  | image.png<br>image.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 737130 |
| XXXXXXX_2023-NQM1-909 |  | C A | Closed | FCOM5814 | 2022-11-15 11:56 | 2022-11-28 10:37 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-received proof delivered electronically - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. Proof provided - Seller-11/23/2022 <br>Open-Provide evidence CD 11/04/2022 was sent electronically. - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. Proof provided - Seller-11/23/2022<br>| Resolved-received proof delivered electronically - Due Diligence Vendor-11/28/2022<br>|  |  | [redacted_Proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 737151 |
| XXXXXXX_2023-NQM1-910 |  | B A | Closed | FCRE1194 | 2022-11-15 11:28 | 2022-11-15 11:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Document Uploaded. EXCEPTION requesting approval for LTV 75% -- Borrower has other loans with [redacted] with same request. Approved with Conditions to add 1 to Price, DSCR >1, 12 months reserves documented required. Otherwise Exception not Valid. - Due Diligence Vendor-11/15/2022 |  | Waived-Document Uploaded. EXCEPTION requesting approval for LTV 75% -- Borrower has other loans with [redacted] with same request. Approved with Conditions to add 1 to Price, DSCR >1, 12 months reserves documented required. Otherwise Exception not Valid. - Due Diligence Vendor-11/15/2022<br>|  | Reserves>6 months, Experienced investor with 2+ investment properties, No consumer late payments in last 48<br> months, No mortgage late payments in last 24 months, No credit events past 48 months | [redacted_LTV 75%.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 737055 |
| XXXXXXX_2023-NQM1-911 |  | D A | Closed | FVAL1039 | 2022-11-16 10:28 | 2022-11-21 12:01 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-Received AVM supports value - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. AVM provided - Seller-11/21/2022 <br>Open-CU score is 2.6, please provide supporting document for the same. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. AVM provided - Seller-11/21/2022<br>| Resolved-Received AVM supports value - Due Diligence Vendor-11/21/2022<br>|  |  | [redacted_AVM.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 738386 |
| XXXXXXX_2023-NQM1-912 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-913 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-914 |  | D B A | Closed | FCOM1544 | 2022-11-16 14:34 | 2022-11-28 13:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-electronic proof sent - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. Confirmation uploaded. Please, review it. - Seller-11/22/2022 <br>Open-Provide evidence that Revised Closing Disclosure issues on 11/01/2022 was sent electronically - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Confirmation uploaded. Please, review it. - Seller-11/22/2022<br>| Resolved-electronic proof sent - Due Diligence Vendor-11/28/2022<br>|  |  | [redacted_Confirmation.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 738855 |
| XXXXXXX_2023-NQM1-915 |  | D B A | Closed | FVAL9739 | 2022-11-16 12:22 | 2022-11-16 12:22 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Type:- Material: Appraisal<br> Short Description:- Manufactured property with ADU<br> Exception form available on page no 843 of 925 - Due Diligence Vendor-11/16/2022 |  | Waived-Exception Type:- Material: Appraisal<br> Short Description:- Manufactured property with ADU<br> Exception form available on page no 843 of 925 - Due Diligence Vendor-11/16/2022<br>|  | Several income sources and DTI below 45%, Revolving debt is under 30%, 5 years on current job, Residual income<br> >=$3000, DTI >=10% lower than loan program, No credit events past 48 months, No mortgage late payments in last 24<br> months, 5+ years credit history, No consumer late payments in last 48 months, LTV 10% below maximum, Borrower<br> contribution exceeds requirement >=5% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 738626 |
| XXXXXXX_2023-NQM1-916 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-917 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-918 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-919 |  | C A | Closed | FCRE1194 | 2022-11-16 11:21 | 2022-11-28 13:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 70% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. That exception was not needed and was removed from the lock. So this one can go up to 70% LTV per the matrix. - Seller-11/22/2022 <br>Open-Audited LTV of 70% exceeds Guideline LTV of 65% The exception form on pg# 599 of 741 allows for a max of 65% and loan closed at 70% updated waiver would be required. - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. That exception was not needed and was removed from the lock. So this one can go up to 70% LTV per the matrix. - Seller-11/22/2022<br>| Resolved-Audited LTV of 70% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-11/28/2022<br>|  |  | image.png | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 738480 |
| XXXXXXX_2023-NQM1-920 |  | B A | Closed | FCRE9994 | 2022-11-16 15:14 | 2022-11-17 16:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Waived-Exception Type-Material: LTV<br> Short Description-Cashout on NOO at 80% <br> Comment- borrower also has 4 private mortgages> 12 with no mortgage lates<br> Exception form is in pg#254 - Due Diligence Vendor-11/16/2022 |  | Waived-Exception Type-Material: LTV<br> Short Description-Cashout on NOO at 80% <br> Comment- borrower also has 4 private mortgages> 12 with no mortgage lates<br> Exception form is in pg#254 - Due Diligence Vendor-11/16/2022<br>|  | 5 years on current job, Residual income >=$3000, 10 years or more in same line of employment, No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 738945 |
| XXXXXXX_2023-NQM1-921 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-922 |  | C B A | Closed | FCRE9387 | 2022-11-17 08:35 | 2022-11-28 13:54 | Resolved | 1 - Information C A | Credit | Eligibility | Loan amount exceeds maximum allowed per program guidelines | Resolved-Actual date was provided and slightly over 12 months. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Based on the warranty deed dated XXXXXXX it was outside of 12 months. - Seller-11/22/2022 <br>Open-loan amount exceeds the original sale price as it was purchased 6-12 months ago. Per appraisal, loan was purchased in XXXXXX for XXXXXXXX. - Due Diligence Vendor-11/17/2022 | Ready for Review-Based on the warranty deed dated Nov 2 2021 it was outside of 12 months. - Seller-11/22/2022<br>| Resolved-Actual date was provided and slightly over 12 months. - Due Diligence Vendor-11/28/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 739583 |
| XXXXXXX_2023-NQM1-923 |  | C B A | Closed | FCOM6520 | 2022-11-15 17:45 | 2022-11-15 17:45 | Waived | 2 - Non-Material B | Compliance | Disclosure | Margin greater than minimum rate | Waived-Exception Type : Rate/Price Competitor Match<br> Short Description : Broker was quoted <br> Exception form is available on pg# 477 of 483 package - Due Diligence Vendor-11/16/2022 |  | Waived-Exception Type : Rate/Price Competitor Match<br> Short Description : Broker was quoted <br> Exception form is available on pg# 477 of 483 package - Due Diligence Vendor-11/16/2022<br>|  | Reserves>6 months, Experienced investor with 2+ investment properties, Credit score >40% than minimum required,<br> Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late<br> payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 737679 |
| XXXXXXX_2023-NQM1-924 |  | C A | Closed | FCRE1491 | 2022-11-15 13:45 | 2022-12-01 13:51 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Accept investor acceptance due to open only 30 days - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. It is acceptable to use a bank statement that has not been opened for 60 days if the account was recently opened. The account was opened in September and the deposit to open the account ($35) was backed out while UW sourced the large deposit. Please see attachment - Seller-11/30/2022 <br>Open-Asset Qualification Does Not Meet Guideline Requirements For account #0505 only 30 days statement is present in the file. Please provide the recent 30 days addition statement to meet guideline requirement. - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. It is acceptable to use a bank statement that has not been opened for 60 days if the account was recently opened. The account was opened in September and the deposit to open the account ($35) was backed out while UW sourced the large deposit. Please see attachment - Seller-11/30/2022<br>| Resolved-Accept investor acceptance due to open only 30 days - Due Diligence Vendor-12/01/2022<br>|  |  | [redacted_Transaction History.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 737378 |
| XXXXXXX_2023-NQM1-925 |  | C A | Closed | finding-3631 | 2022-11-15 14:46 | 2022-11-21 12:08 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC clears finding - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Please, find the CD COC uploaded to File uploads. Thank you! - Seller-11/18/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Compliance report showing tolerance of $9.60 due to Recording Fee, In Initial LE dated 10/25/2022 Recording Fee is $204 but in final CD dated 11/11/2022 Recording fee increased by $30. COC is missing for Final CD dated 11/11/2022. - Due Diligence Vendor-11/15/2022 | Ready for Review-Please, find the CD COC uploaded to File uploads. Thank you! - Seller-11/18/2022<br>| Resolved-COC clears finding - Due Diligence Vendor-11/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 737519 |
| XXXXXXX_2023-NQM1-926 |  | C A | Closed | finding-3632 | 2022-11-15 14:46 | 2022-11-21 12:08 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC clears findings - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Please, find the CD COC uploaded to File uploads. Thank you! - Seller-11/18/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Compliance report showing tolerance of $9.60 due to Recording Fee, In Initial LE dated 10/25/2022 Recording Fee is $204 but in final CD dated 11/11/2022 Recording fee increased by $30. COC is missing for Final CD dated 11/11/2022. - Due Diligence Vendor-11/15/2022 | Ready for Review-Please, find the CD COC uploaded to File uploads. Thank you! - Seller-11/18/2022<br>| Resolved-COC clears findings - Due Diligence Vendor-11/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 737520 |
| XXXXXXX_2023-NQM1-927 |  | C A | Closed | finding-3635 | 2022-11-15 14:46 | 2022-11-21 12:08 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-COC clears finding - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/18/2022 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($234.00) exceed the comparable charges ($204.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Compliance report showing tolerance of $9.60 due to Recording Fee, In Initial LE dated 10/25/2022 Recording Fee is $204 but in final CD dated 11/11/2022 Recording fee increased by $30. COC is missing for Final CD dated 11/11/2022. - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/18/2022<br>| Resolved-COC clears finding - Due Diligence Vendor-11/21/2022<br>|  |  | [redacted _CD COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 737523 |
| XXXXXXX_2023-NQM1-928 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-929 |  | B A | Closed | FCRE3931 | 2022-11-16 07:15 | 2022-11-16 07:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 1 | Waived-Found Exception on Page #461: Stating Condotel Zn AO 1% Chan Flood Wind 15% Ded DSCR .85. DSCR .85 Condotel Flood Zone AO with a 1% chance of Flood. Condo has 5 MIll in Flood on Master Policy /Not Separate. Has a wind deductible of 15% Coverage. This exception was already granted for the building on unit # 2409 file, we have closed multiple loans in this building. - Due Diligence Vendor-11/16/2022 |  | Waived-Found Exception on Page #461: Stating Condotel Zn AO 1% Chan Flood Wind 15% Ded DSCR .85. DSCR .85 Condotel Flood Zone AO with a 1% chance of Flood. Condo has 5 MIll in Flood on Master Policy /Not Separate. Has a wind deductible of 15% Coverage. This exception was already granted for the building on unit # 2409 file, we have closed multiple loans in this building. - Due Diligence Vendor-11/16/2022<br>|  | Borrower contribution exceeds requirement >=5%, No mortgage late payments in last 24 months, No credit events past 48 months No credit events past 48 months, No mortgage late payments in last 24 months, Borrower contribution exceeds requirement >=5%. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 738080 |
| XXXXXXX_2023-NQM1-930 |  | B A | Closed | FVAL9739 | 2022-11-16 07:12 | 2022-11-16 07:12 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Found Exception on Page #39: Stating 475 sq ft Studio with Kitchenette Condotel DSCR. - Due Diligence Vendor-11/16/2022 |  | Waived-Found Exception on Page #39: Stating 475 sq ft Studio with Kitchenette Condotel DSCR. - Due Diligence Vendor-11/16/2022<br>|  | Borrower contribution exceeds requirement >=5%, No mortgage late payments in last 24 months, No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 738077 |
| XXXXXXX_2023-NQM1-931 |  | C A | Closed | FCRE9806 | 2022-11-16 09:19 | 2022-12-07 11:17 | Resolved | 1 - Information C A | Credit | Eligibility | Other Credit Finding | Resolved-received verification only 1 borrower - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. Updated Lock Confirmation uploaded - Seller-12/06/2022 <br>Open-Please confirm only one borrower on loan. Borrower's wife on final 1003, lock and approval but not on the Note. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Updated Lock Confirmation uploaded - Seller-12/06/2022<br>| Resolved-received verification only 1 borrower - Due Diligence Vendor-12/07/2022<br>|  |  | Lock Confirmation.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 738252 |
| XXXXXXX_2023-NQM1-932 |  | B A | Closed | FCRE6843 | 2022-11-16 10:01 | 2022-11-17 13:39 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-page 592 Exception - Use cash out for reserves.<br> - Due Diligence Vendor-11/16/2022 |  | Waived-page 592 Exception - Use cash out for reserves.<br> - Due Diligence Vendor-11/16/2022<br>|  | CLTV 10% below maximum, No consumer late payments in last 48 months, No mortgage late payments in last 24months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 738324 |
| XXXXXXX_2023-NQM1-933 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-934 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-935 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXXXXX_2023-NQM1-936 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-937 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-938 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-939 |  | C A | Closed | FCRE1166 | 2022-11-17 07:26 | 2022-11-28 10:33 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-cost est now provided - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. RCE provided - Seller-11/25/2022 <br>Open-Hazard Insurance Coverage Amount of $260000 is less than Total Amount of Subject Lien(s) of $371250 - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. RCE provided - Seller-11/25/2022<br>| Resolved-cost est now provided - Due Diligence Vendor-11/28/2022<br>|  |  | [redacted_RCE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 739451 |
| XXXXXXX_2023-NQM1-940 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-941 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-942 |  | C A | Closed | FCRE1194 | 2022-11-17 02:15 | 2022-12-01 07:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Document Uploaded. Updated rate sheet provided. - Due Diligence Vendor-12/01/2022 <br>Resolved-Audited LTV of 90% is less than or equal to Guideline LTV of 90% - Due Diligence Vendor-12/01/2022 <br>Open-Audited LTV of 90% exceeds Guideline LTV of 85% Max LTV for Super Prime programs is 85% - Due Diligence Vendor-11/17/2022 |  | Resolved-Document Uploaded. Updated rate sheet provided. - Due Diligence Vendor-12/01/2022 <br>Resolved-Audited LTV of 90% is less than or equal to Guideline LTV of 90% - Due Diligence Vendor-12/01/2022<br>|  |  | [redacted Base Ratesheet 10-24-2022.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 739203 |
| XXXXXXX_2023-NQM1-943 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-944 |  | C B A | Closed | FCOM5814 | 2022-11-17 11:35 | 2022-11-21 12:04 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received Proof of receipt of CD - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. Evidence CD 11/10/2022 was sent electronically uploaded - Seller-11/21/2022 <br>Open-Provide evidence CD 11/10/2022 was sent electronically. - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. Evidence CD 11/10/2022 was sent electronically uploaded - Seller-11/21/2022<br>| Resolved-Received Proof of receipt of CD - Due Diligence Vendor-11/21/2022<br>|  |  | Evidence CD was sent electronically.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 739981 |
| XXXXXXX_2023-NQM1-945 |  | C B A | Closed | FCRE1493 | 2022-11-17 09:42 | 2022-11-17 09:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Found [redacted] in pg 592 states Credit supplement for 20 months , There isn't enough credit tradelines on the credit report. A credit supplement was provided but it only shows 20 months of recurring payments instead of 24 months as per UW requirements - Due Diligence Vendor-11/17/2022 |  | Waived-Found [redacted] in pg 592 states Credit supplement for 20 months , There isn't enough credit tradelines on the credit report. A credit supplement was provided but it only shows 20 months of recurring payments instead of 24 months as per UW requirements - Due Diligence Vendor-11/17/2022<br>|  | Several income sources and DTI below 45%, Revolving debt is under 30%, No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months, Credit score >40% than minimum required, Borrower contribution exceeds requirement >=5% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 739721 |
| XXXXXXX_2023-NQM1-946 |  | D A | Closed | FCRE1212 | 2022-11-18 14:58 | 2022-11-28 12:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Partial | Resolved-received. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. Signed and dated contract uploaded - Seller-11/28/2022 <br>Open-Purchase contract has not been fully provided Purchase contract page#670 : Seller's signature and initial's are missing on all the pages. - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. Signed and dated contract uploaded - Seller-11/28/2022<br>| Resolved-received. - Due Diligence Vendor-11/28/2022<br>|  |  | Signed and dated contract.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 741774 |
| XXXXXXX_2023-NQM1-947 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXXXXX_2023-NQM1-948 |  | B A | Closed | FCRE9991 | 2022-11-16 13:16 | 2022-11-18 11:35 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Received data info - Due Diligence Vendor-11/18/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-11/17/2022 <br>Open-DSCR score is 1.08, tape has1.1/ LTV is 52.22%, not 54.39% and value is $450000. Tape has $432000 for value - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. See attached - Seller-11/17/2022<br>| Resolved-Received data info - Due Diligence Vendor-11/18/2022<br>|  |  | Updated tape.xlsx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 738686 |
| XXXXXXX_2023-NQM1-949 |  | B A | Closed | FCRE1493 | 2022-11-16 13:14 | 2022-11-16 13:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Doesn't meet the required standard tradelines. - Due Diligence Vendor-11/16/2022 |  | Waived-Doesn't meet the required standard tradelines. - Due Diligence Vendor-11/16/2022<br>|  | CLTV 10% below maximum, Revolving debt is under 30%, No mortgage late payments in last 24 months, No credit events past 48 months<br> Page 369 |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 738684 |
| XXXXXXX_2023-NQM1-950 |  | C B A | Closed | 123ABCF | 2022-11-17 10:51 | 2022-11-21 10:03 | Waived | 2 - Non-Material C B | Credit | Income/Employment | FICO does not meet minimum program requirement | Waived-Exception Fico low due to lower credit - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. Exception form was in file into initial credit package. Form re-uploaded. - Seller-11/21/2022 <br>Open-Minimum FICO for DSCR is 620. Mid score for borrower is 619. - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. Exception form was in file into initial credit package. Form re-uploaded. - Seller-11/21/2022<br>| Waived-Exception Fico low due to lower credit - Due Diligence Vendor-11/21/2022<br>|  | Experienced investor with 2+ investment properties No Consumer late payments, no Bankruptcy | [redacted_credit exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 739888 |
| XXXXXXX_2023-NQM1-951 |  | C B A | Closed | FCRE9991 | 2022-11-17 10:51 | 2022-11-21 10:00 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Data report received - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. DSCR is 1.05<br> Calculations $2650/$2521.92=1.05.updated tape provided. - Seller-11/21/2022 <br>Open-Data Tape DSCR 1.03 Audited DSCR 1.12 - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. DSCR is 1.05<br> Calculations $2650/$2521.92=1.05.updated tape provided. - Seller-11/21/2022<br>| Resolved-Data report received - Due Diligence Vendor-11/21/2022<br>|  |  | Bid Tape NON QM _11-16-2022_November_corrected..xlsx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 739889 |
| XXXXXXX_2023-NQM1-952 |  | D B A | Closed | FCRE8728 | 2022-11-17 05:51 | 2022-11-21 11:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved-VOM is sufficient for pay history - Due Diligence Vendor-11/21/2022 <br>Ready for Review-This is only required for private mortgages. Borrower does no have a private MTG. - Seller-11/18/2022 <br>Open-VOM in file for Point page 440 but dont have 3 months cancelled checks - Due Diligence Vendor-11/17/2022 | Ready for Review-This is only required for private mortgages. Borrower does no have a private MTG. - Seller-11/18/2022<br>| Resolved-VOM is sufficient for pay history - Due Diligence Vendor-11/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 739339 |
| XXXXXXX_2023-NQM1-953 |  | D B A | Closed | FCRE1493 | 2022-11-17 05:49 | 2022-11-21 11:16 | Resolved | 1 - Information C A | Credit | Eligibility | Trade line count does not meet program requirements | Resolved-Received additional trade line data - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. Alternative tradelines were used-docs uploaded. - Seller-11/18/2022 <br>Open-does not meet 3 x 12 or 2 x24 - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. Alternative tradelines were used-docs uploaded. - Seller-11/18/2022<br>| Resolved-Received additional trade line data - Due Diligence Vendor-11/21/2022<br>|  |  | [redacted_alternative tradelines.pdf<br> [redacted_alternative trade lines.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 739335 |
| XXXXXXX_2023-NQM1-954 |  | D B A | Closed | FCRE1226 | 2022-11-17 05:47 | 2022-11-21 10:42 | Waived | 2 - Non-Material B | Credit | Missing Doc | Appraisal document is incomplete or partial | Waived-Appraisal reflects initial LLC Name. Transferred appraisal on this file and was completed under different LLC Name (Which belongs to our borrower and was used on the initial purchase contract) - Due Diligence Vendor-11/17/2022 |  | Waived-Appraisal reflects initial LLC Name. Transferred appraisal on this file and was completed under different LLC Name (Which belongs to our borrower and was used on the initial purchase contract) - Due Diligence Vendor-11/17/2022<br>|  | 5 yrs on current job, no credit events past 48 months Reserves>6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 739330 |
| XXXXXXX_2023-NQM1-955 |  | D B A | Closed | FCRE8800 | 2022-11-17 05:49 | 2022-11-21 10:41 | Resolved | 1 - Information C A | Credit | Eligibility | Compensating Factors are insufficient to approve Exception Waiver | Resolved-Received comp factors - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. Please review uploaded updated exception form - Seller-11/18/2022 <br>Open-3rd comp factor is credits score is > 40 points higher, but minimum score for a 80% investment is 700. Not a valid 3rd factor - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. Please review uploaded updated exception form - Seller-11/18/2022<br>| Resolved-Received comp factors - Due Diligence Vendor-11/21/2022<br>|  |  | [redacted _exception [redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 739334 |
| XXXXXXX_2023-NQM1-956 |  | D B A | Closed | FCRE1253 | 2022-11-17 05:33 | 2022-11-18 09:49 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-11/18/2022 <br>Resolved-Tax cert received. - Due Diligence Vendor-11/18/2022 <br>Ready for Review-Document Uploaded. Tax bill was in file and re-uploaded for your reference. - Seller-11/18/2022 <br>Open- - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. Tax bill was in file and re-uploaded for your reference. - Seller-11/18/2022<br>| Resolved-Property Tax Cert Provided - Due Diligence Vendor-11/18/2022 <br>Resolved-Tax cert received. - Due Diligence Vendor-11/18/2022<br>|  |  | [redacted_tax bill.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 739320 |
| XXXXXXX_2023-NQM1-957 |  | D B A | Closed | FCRE9991 | 2022-11-17 06:06 | 2022-11-18 09:47 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Received data tape - Due Diligence Vendor-11/18/2022 <br>Ready for Review-Document Uploaded. Please review uploaded income WS. Income is was calculated based to P&L provided . - Seller-11/18/2022 <br>Open-Audited DTI is 49.68 tape has 45.65%. Income used is $46763.60 since borrower is only 80% owner, used 80% income. - Due Diligence Vendor-11/17/2022 | Ready for Review-Document Uploaded. Please review uploaded income WS. Income is was calculated based to P&L provided . - Seller-11/18/2022<br>| Resolved-Received data tape - Due Diligence Vendor-11/18/2022<br>|  |  | [redacted_income WS.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 739360 |
| XXXXXXX_2023-NQM1-958 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-959 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-960 |  | B A | Closed | FCRE4293 | 2022-11-18 06:43 | 2022-11-22 12:55 | Waived | 2 - Non-Material B | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Waived-We Found Exception on (pgno: 1032). It States that the Asset Utilization and use 75% of the amount in account. Money has been account less than 6 months. Please approve with minimal hit. This is a Preferred Lender and they have already paid for lock extension - Due Diligence Vendor-11/18/2022 |  | Waived-We Found Exception on (pgno: 1032). It States that the Asset Utilization and use 75% of the amount in account. Money has been account less than 6 months. Please approve with minimal hit. This is a Preferred Lender and they have already paid for lock extension - Due Diligence Vendor-11/18/2022<br>|  | Several income sources and DTI below 45%, Revolving debt is under 30%, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 740782 |
| XXXXXXX_2023-NQM1-961 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-962 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-963 |  | C B A | Closed | FCRE1194 | 2022-11-18 10:51 | 2022-12-14 12:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Waiver provided for LTV exceeding cap from initial exception. Audited LTV exceeds Guideline LTV of 55%, because of exception to allow a cash out at 616 Credit score. - Due Diligence Vendor-12/14/2022 <br>Ready for Review-Document Uploaded. Exception form uploaded. Please, review it. - Seller-12/14/2022 <br>Open-Audited LTV of 63.34% exceeds Guideline LTV of 55% LTV Capped to 55% because of exception to allow a cash out at 616 Credit score - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. Exception form uploaded. Please, review it. - Seller-12/14/2022<br>| Waived-Waiver provided for LTV exceeding cap from initial exception. Audited LTV exceeds Guideline LTV of 55%, because of exception to allow a cash out at 616 Credit score. - Due Diligence Vendor-12/14/2022<br>|  | No Credit events past 48, Low credit utilization 7%, No mortgage lates | [redacted_Exception (LTV) signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 741255 |
| XXXXXXX_2023-NQM1-964 |  | C B A | Closed | FCRE1197 | 2022-11-18 10:51 | 2022-11-29 08:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 616 is less than Guideline FICO of 620 Exception Type:- Material: Loan Amount<br> Short Description:- DSCR loan with 616 fico score, cash out<br> Comments:- Hello, this is a preferred broker. The borrower has a FICO of 616, wants to do a DSCR cash out,<br> borrower confirmed that he has 6 months of reserves to show and hoping DSCR to be greater than<br> 1. Borrower is okay with any hit to the rate. Please approve.<br>Exception Form available on page no 51<br> - Due Diligence Vendor-11/18/2022 |  | Waived-Audited FICO of 616 is less than Guideline FICO of 620 Exception Type:- Material: Loan Amount<br> Short Description:- DSCR loan with 616 fico score, cash out<br> Comments:- Hello, this is a preferred broker. The borrower has a FICO of 616, wants to do a DSCR cash out,<br> borrower confirmed that he has 6 months of reserves to show and hoping DSCR to be greater than<br> 1. Borrower is okay with any hit to the rate. Please approve.<br>Exception Form available on page no 51<br> - Due Diligence Vendor-11/18/2022<br>|  | Reserves>6 months, Borrower contribution exceeds requirement >=5%, Revolving debt is under 30% |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 741252 |
| XXXXXXX_2023-NQM1-965 |  | B A | Closed | FVAL5474 | 2022-11-18 17:15 | 2022-11-22 13:20 | Waived | 2 - Non-Material B | Property | Property | Condo project is ineligible | Waived-Exception Type Material: Appraisal<br> Short Description : HOA is unable to provide CCRs<br> Comments: 1st exception (No reserves on budget) attached. Otherwise, condo is good, no extra exceptions needed. HOA cannot proved CCR requested by the UW. rate is 8.75% with 1point discount. Last condition on the loan<br>Exception form is available on pg# 326 of 630<br> - Due Diligence Vendor-11/19/2022 |  | Waived-Exception Type Material: Appraisal<br> Short Description : HOA is unable to provide CCRs<br> Comments: 1st exception (No reserves on budget) attached. Otherwise, condo is good, no extra exceptions needed. HOA cannot proved CCR requested by the UW. rate is 8.75% with 1point discount. Last condition on the loan<br>Exception form is available on pg# 326 of 630<br> - Due Diligence Vendor-11/19/2022<br>|  | Revolving debt is under 30%, 5 years on current job, Residual income >=$3000, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48 months, LTV 10% below maximum, Credit score >40% than minimum required, Other: specify below |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 741900 |
| XXXXXXX_2023-NQM1-966 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-967 |  | D B A | Closed | FCRE1159 | 2022-11-21 09:58 | 2022-11-30 13:37 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Document Uploaded. Waiver now provided for RON closing caused hazard date issues. - Due Diligence Vendor-11/30/2022 <br>Counter-Waiver does not address insurance dates. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022 <br>Open-Hazard Insurance Effective Date of 08-11-2022 is after the Note Date of 08-05-2022 - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. - Seller-11/29/2022<br>| Waived-Document Uploaded. Waiver now provided for RON closing caused hazard date issues. - Due Diligence Vendor-11/30/2022<br>|  | low liabilities, business active for more than 5 yrs, 10 yrs in same line of work | [redacted_exception for bank ref letter reserves and 12 month history missing signed.pdf<br> [redacted_exception for bank ref letter reserves and 12 month history missing.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 742900 |
| XXXXXXX_2023-NQM1-968 |  | D B A | Closed | FCRE2515 | 2022-11-18 10:14 | 2022-11-30 13:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Credit history does not meet guidelines | Waived-pay history, ref letter and reserves missing. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022 <br>Open-Please provide 12 month mortgage history for subject. (Helm Mortgage paid on HUD) - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-11/29/2022<br>| Waived-pay history, ref letter and reserves missing. - Due Diligence Vendor-11/30/2022<br>|  | No consumer late payments in last 48 months, No mortgage late payments in last 24 months, 10 yrs in same line of work | [redacted_exception for bank ref letter reserves and 12 month history missing signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 741175 |
| XXXXXXX_2023-NQM1-969 |  | D B A | Closed | FCRE8850 | 2022-11-18 10:13 | 2022-11-30 13:31 | Waived | 2 - Non-Material C B | Credit | Assets | Foreign National- bank/credit reference letter missing | Waived-Waiver for no FN credit ref letter provided - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022 <br>Open- - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-11/29/2022<br>| Waived-Waiver for no FN credit ref letter provided - Due Diligence Vendor-11/30/2022<br>|  | No consumer late payments in last 48 months, No mortgage late payments in last 24 months, 10 yrs in same line of work | [redacted_exception for bank ref letter reserves and 12 month history missing signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 741174 |
| XXXXXXX_2023-NQM1-970 |  | D B A | Closed | FCRE1501 | 2022-11-18 10:07 | 2022-11-30 13:31 | Waived | 2 - Non-Material C B | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-pay history, ref letter and reserves missing. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $7801.18 is less than Total Required Reserve Amount of $19674.3 - Verified assets $7,801.18, 12 months reserves required equal to $78,697.20, borrower is hence short $70,896.02 to meet reserve requirement - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-11/29/2022<br>| Waived-pay history, ref letter and reserves missing. - Due Diligence Vendor-11/30/2022<br>|  | No consumer late payments in last 48 months, No mortgage late payments in last 24 months, 10 yrs in same line of work | [redacted_exception for bank ref letter reserves and 12 month history missing signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 741166 |
| XXXXXXX_2023-NQM1-971 |  | D B A | Closed | FVAL1039 | 2022-11-18 10:14 | 2022-11-30 13:29 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-AVM in file - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-Please provide an AVM or value support. - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-AVM in file - Due Diligence Vendor-11/30/2022<br>|  |  | [redacted_AVM.pdf<br> [redacted_appraisal.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 741181 |
| XXXXXXX_2023-NQM1-972 |  | D B A | Closed | FCRE9991 | 2022-11-18 10:15 | 2022-11-30 13:25 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-updated tape provided. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-Date Tape interest rate 11.99% Note rate 12.00% - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-updated tape provided. - Due Diligence Vendor-11/30/2022<br>|  |  | 11_17_2022 FULL DELEG NON QM 2.xlsx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 741184 |
| XXXXXXX_2023-NQM1-973 |  | D B A | Closed | FCRE1161 | 2022-11-18 09:42 | 2022-11-30 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-received cert. - Due Diligence Vendor-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open- - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-Missing Flood Certificate - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-received cert. - Due Diligence Vendor-11/30/2022<br>|  |  | [redacted_flood.pdf<br> [redacted_flood.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 741114 |
| XXXXXXX_2023-NQM1-974 |  | D B A | Closed | FCRE1157 | 2022-11-18 09:42 | 2022-11-21 09:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/21/2022 <br>Resolved-Received insurance - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/21/2022 <br>Resolved-Received insurance - Due Diligence Vendor-11/21/2022<br>|  |  | [redacted_hoi.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 741113 |
| XXXXXXX_2023-NQM1-975 |  | D B A | Closed | FCRE1201 | 2022-11-18 10:08 | 2022-11-21 09:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/21/2022 <br>Resolved-Received fraud report - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/21/2022 <br>Resolved-Received fraud report - Due Diligence Vendor-11/21/2022<br>|  |  | [redacted_fraud.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 741167 |
| XXXXXXX_2023-NQM1-976 |  | D A C | Closed | finding-3891 | 2022-11-21 07:10 | 2022-12-01 13:01 | Resolved | 1 - Information A | Compliance | ComplianceEase | GSE (Freddie Mac public guidelines) QM APR Test | Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Rescinded-This loan failed the QM APR test. (Freddie Mac Bulletin 2021-13)The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to Freddie Mac unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-11/21/2022 |  | Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Rescinded-This loan failed the QM APR test. (Freddie Mac Bulletin 2021-13)The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to Freddie Mac unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-11/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 742412 |
| XXXXXXX_2023-NQM1-977 |  | D A C | Closed | finding-3890 | 2022-11-21 07:10 | 2022-12-01 13:01 | Resolved | 1 - Information A | Compliance | ComplianceEase | GSE (Fannie Mae public guidelines) QM APR Test | Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Rescinded-This loan failed the QM APR test. (Fannie Mae Lender Letter 2021-11)The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to Fannie Mae unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-11/21/2022 |  | Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Rescinded-This loan failed the QM APR test. (Fannie Mae Lender Letter 2021-11)The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to Fannie Mae unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-11/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 742413 |
| XXXXXXX_2023-NQM1-978 |  | D A C | Closed | finding-3888 | 2022-11-21 07:10 | 2022-12-01 13:01 | Resolved | 1 - Information A | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Rescinded-This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($114847.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 2.25%; orThe note amount for a first lien on a manufactured home is less than ($114847.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 6.5%; orThe note amount for a first lien a non-manufactured home is less than ($114847.000) but greater than or equal to ($68908.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($68908.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($68908.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 6.5%. - Due Diligence Vendor-11/21/2022 |  | Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Rescinded-This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($114847.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 2.25%; orThe note amount for a first lien on a manufactured home is less than ($114847.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 6.5%; orThe note amount for a first lien a non-manufactured home is less than ($114847.000) but greater than or equal to ($68908.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($68908.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($68908.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 6.5%. - Due Diligence Vendor-11/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 742416 |
| XXXXXXX_2023-NQM1-979 |  | D A C | Closed | finding-3430 | 2022-11-21 07:10 | 2022-12-01 13:01 | Resolved | 1 - Information A | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Rescinded-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 10.146%. The APR threshold to qualify for a safe harbor is 8.660%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-11/21/2022 |  | Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Resolved-Resolved - Due Diligence Vendor-12/01/2022 <br>Rescinded-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 10.146%. The APR threshold to qualify for a safe harbor is 8.660%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-11/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 742418 |
| XXXXXXX_2023-NQM1-980 |  | D A C | Closed | finding-3631 | 2022-11-21 07:10 | 2022-12-01 13:00 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-Provide the COC for the increase in Origination Fee and Discount point fee on CD XXXXX. - Due Diligence Vendor-12/01/2022 <br>Open-Provide the COC for the increase in Origination Fee and Discount point fee on CD XXXXX. - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Provide the missing initial CD with the COC showing the increase in Discount Points and Appraisal Reinspection Fee. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022<br>|  |  |  | [redacted_revised CD.pdf<br> [redacted_coc for revised CD.pdf<br> [redacted_initial CD.pdf<br> [redacted_11.1 coc LE lox.pdf<br> [redacted_11.1 coc LE 1.pdf<br> [redacted_11.4 coc LE 1.pdf<br> [redacted_11.4 coc LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 742414 |
| XXXXXXX_2023-NQM1-981 |  | D A C | Closed | finding-3632 | 2022-11-21 07:10 | 2022-12-01 13:00 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-Provide the COC for the increase in Origination Fee and Discount point fee on CD 11/07/2022. - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Provide the missing initial CD with the COC showing the increase in Discount Points and Appraisal Reinspection Fee. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022<br>|  |  |  | [redacted_coc for revised CD.pdf<br> [redacted_revised CD.pdf<br> [redacted_initial CD.pdf<br> [redacted_11.4 coc LE.pdf<br> [redacted_11.1 coc LE 1.pdf<br> [redacted_11.4 coc LE 1.pdf<br> [redacted_11.1 coc LE lox.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 742415 |
| XXXXXXX_2023-NQM1-982 |  | D A C | Closed | finding-3634 | 2022-11-21 07:10 | 2022-12-01 13:00 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Open-Provide the COC for the increase in Origination Fee and Discount point fee on CD XXXXX. - Due Diligence Vendor-12/01/2022 <br>Open-Provide the COC for the increase in Origination Fee and Discount point fee on CD XXXXX. - Due Diligence Vendor-12/01/2022 <br>Open-Provide the COC for the increase in Origination Fee and Discount point fee on CD XXXXX. - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,285.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Provide the missing initial CD with the COC showing the increase in Discount Points and Appraisal Reinspection Fee. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. - Seller-12/01/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022<br>|  |  |  | [redacted_revised CD.pdf<br> [redacted_coc for revised CD.pdf<br> [redacted_initial CD.pdf<br> [redacted_11.4 coc LE.pdf<br> [redacted_11.1 coc LE lox.pdf<br> [redacted_11.4 coc LE 1.pdf<br> [redacted_11.1 coc LE 1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 742417 |
| XXXXXXX_2023-NQM1-983 |  | D A C | Closed | finding-3532 | 2022-11-21 07:10 | 2022-12-01 09:03 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Ready for Review-Document Uploaded. - Seller-11/29/2022 <br>Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Provide the missing initial Closing Disclosure. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. - Seller-11/29/2022<br>|  |  |  | [redacted_initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 742411 |
| XXXXXXX_2023-NQM1-984 |  | D A C | Closed | FCRE9991 | 2022-11-21 07:18 | 2022-12-01 08:52 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-TPR calc correct due to credit report - Due Diligence Vendor-12/01/2022 <br>Ready for Review-please provide your calculations, total liabilities/income I get the same calculation 8222.33 ÷ 20602.48 =40% - Seller-11/29/2022 <br>Open-Data Tape DTI 40.629% Audited DTI 43.75% - Due Diligence Vendor-11/21/2022 | Ready for Review-please provide your calculations, total liabilities/income I get the same calculation 8222.33 ÷ 20602.48 =40% - Seller-11/29/2022<br>| Resolved-TPR calc correct due to credit report - Due Diligence Vendor-12/01/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 742446 |
| XXXXXXX_2023-NQM1-985 |  | D A C | Closed | FCRE7805 | 2022-11-18 08:49 | 2022-12-01 08:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Received missing bank statement - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. - Seller-11/29/2022 <br>Open-Please provided May 2022 of Chase 9202 for 12 months of bank statement income. - Due Diligence Vendor-11/18/2022 | Ready for Review-Document Uploaded. - Seller-11/29/2022<br>| Resolved-Received missing bank statement - Due Diligence Vendor-12/01/2022<br>|  |  | [redacted_[redacted] May.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 741010 |
| XXXXXXX_2023-NQM1-986 |  | B A | Closed | FCRE4802 | 2022-11-22 07:33 | 2022-11-22 07:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 2 | Waived-Found [redacted] in page #300 stating "NSFs 8 in the last 12 months".<br> Multiple NSF/OD (total 8) instances noted in [redacted]. As per guidelines, Maximum 3 NSF allowed in 12 months. - Due Diligence Vendor-11/22/2022 |  | Waived-Found [redacted] in page #300 stating "NSFs 8 in the last 12 months".<br> Multiple NSF/OD (total 8) instances noted in BANK OF AMERICA #8878. As per guidelines, Maximum 3 NSF allowed in 12 months. - Due Diligence Vendor-11/22/2022<br>|  | DTI >=10% lower than loan program, 10 years or more in same line of employment, No consumer late payments in last 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 744327 |
| XXXXXXX_2023-NQM1-987 |  | B A | Closed | FCRE3931 | 2022-11-22 07:30 | 2022-11-22 07:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding 1 | Waived-Found [redacted] in page #299 stating "Loan Stream better pricing".<br> Broker found better pricing, same loan program - Due Diligence Vendor-11/22/2022 |  | Waived-Found [redacted] in page #299 stating "Loan Stream better pricing".<br> Broker found better pricing, same loan program - Due Diligence Vendor-11/22/2022<br>|  | DTI >=10% lower than loan program, 10 years or more in same line of employment, No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 744321 |
| XXXXXXX_2023-NQM1-988 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-989 |  | C A | Closed | FCRE1176 | 2022-11-21 04:35 | 2022-12-13 13:14 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-updated policy provided - Due Diligence Vendor-12/13/2022 <br> Ready for Review-Document Uploaded. HO6 provided - Seller-12/12/2022 <br> Open-HO-6 Insurance Policy Effective Date of 11-25-2022 is after the Note Date of xx-xx-2022 Ho-6 Policy date is after note date - Due Diligence Vendor-11/22/2022 | Ready for Review-Document Uploaded. HO6 provided - Seller-12/12/2022<br>| Resolved-updated policy provided - Due Diligence Vendor-12/13/2022<br>|  |  | [redacted_EOI_RP.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 742259 |
| XXXXXXX_2023-NQM1-990 |  | B A | Closed | FVAL9739 | 2022-11-22 02:27 | 2022-11-22 02:30 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Found [redacted] in Page #947 states "Condo doesn't have reserves".<br> The condo in question just used all their reserves to complete the repairs in the entire building. Please advise. Good FICO score, and broker submitting files all the time. Previously received an approved exception for missing reserves on a condo. - Due Diligence Vendor-11/22/2022 |  | Waived-Found [redacted] in Page #947 states "Condo doesn't have reserves".<br> The condo in question just used all their reserves to complete the repairs in the entire building. Please advise. Good FICO score, and broker submitting files all the time. Previously received an approved exception for missing reserves on a condo. - Due Diligence Vendor-11/22/2022<br>|  | Several income sources and DTI below 45%, Revolving debt is under 30%, No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months, Credit score >40% than minimum required, Borrower contribution exceeds requirement >=5%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 744138 |
| XXXXXXX_2023-NQM1-991 |  | B A | Closed | FCRE8611 | 2022-11-22 02:29 | 2022-11-22 02:29 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Found [redacted] in page #943 states "5 NSFs on bank statement".<br> The borrower has 5 NSFs in 12 months. As per guidelines we only allow 3 in the last 12 months. Borrower cannot do more than 15% down, apply hit to the rate if possible. - Due Diligence Vendor-11/22/2022 |  | Waived-Found [redacted] in page #943 states "5 NSFs on bank statement".<br> The borrower has 5 NSFs in 12 months. As per guidelines we only allow 3 in the last 12 months. Borrower cannot do more than 15% down, apply hit to the rate if possible. - Due Diligence Vendor-11/22/2022<br>|  | Several income sources and DTI below 45%, Residual income >=$3000, DTI >=10% lower than loan program, Credit score >40% than minimum required, Borrower contribution exceeds requirement >=5%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 744141 |
| XXXXXXX_2023-NQM1-992 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-993 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-994 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-995 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-996 |  | B A | Closed | FVAL9739 | 2022-11-21 09:35 | 2022-11-22 14:05 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Found [redacted] in Pg 99 states Rural/more than 10 y.o/manufactured home - Due Diligence Vendor-11/21/2022 |  | Waived-Found [redacted] in Pg 99 states Rural/more than 10 y.o/manufactured home - Due Diligence Vendor-11/21/2022<br>|  | Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 742833 |
| XXXXXXX_2023-NQM1-997 |  | B A | Closed | FCRE9994 | 2022-11-21 08:27 | 2022-11-21 08:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Waived-Exception Type: Material: LTV<br> Short Description: .80 dscr for 75%.<br> Comments: Appraisal transfer to US, already solid no cda needed, 75%LTV @.80dscr..preferred broker.<br> Exception Form in Page.135 of 528.<br> Exception Form is for LTV Hence Considered the Finding. U/w to review. - Due Diligence Vendor-11/21/2022 |  | Waived-Exception Type: Material: LTV<br> Short Description: .80 dscr for 75%.<br> Comments: Appraisal transfer to US, already solid no cda needed, 75%LTV @.80dscr..preferred broker.<br> Exception Form in Page.135 of 528.<br> Exception Form is for LTV Hence Considered the Finding. U/w to review. - Due Diligence Vendor-11/21/2022<br>|  | Experienced investor with 2+ investment properties, Borrower contribution exceeds requirement >=5%, Credit score.40% than minimum required, 2+ borrowers on the loan, No Consumer late payment in last 48 months, 5+years credit history, No mortgage late payments in last 24 months, No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 742632 |
| XXXXXXX_2023-NQM1-998 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-999 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1000 |  | C A | Closed | FCRE1194 | 2022-11-18 15:57 | 2022-11-29 11:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Updated rate sheet provided. - Due Diligence Vendor-11/29/2022 <br>Resolved-Audited LTV of 90% is less than or equal to Guideline LTV of 90% - Due Diligence Vendor-11/29/2022 <br>Open-Audited LTV of 90% exceeds Guideline LTV of 85% - Due Diligence Vendor-11/18/2022 |  | Resolved-Updated rate sheet provided. - Due Diligence Vendor-11/29/2022 <br>Resolved-Audited LTV of 90% is less than or equal to Guideline LTV of 90% - Due Diligence Vendor-11/29/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 741851 |
| XXXXXXX_2023-NQM1-1001 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1002 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1003 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1004 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1005 |  | B A | Closed | FCRE1194 | 2022-11-21 15:23 | 2022-11-21 15:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception Type: Material: LTV--LTV 75% DSCR < 1%, Exception required for LTV 75% DSCR <1% after the loan was CTC.<br> Exception form on page #5 of 669.<br>- Due Diligence Vendor-11/21/2022 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception Type: Material: LTV--LTV 75% DSCR < 1%, Exception required for LTV 75% DSCR <1% after the loan was CTC.<br> Exception form on page #5 of 669.<br>- Due Diligence Vendor-11/21/2022<br>|  | Experienced investor with 2+ investment properties, No consumer late payments in last 48 months, No mortgage late payments in last 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 743881 |
| XXXXXXX_2023-NQM1-1006 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXXXXX_2023-NQM1-1007 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1008 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1009 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1010 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1011 |  | B A | Closed | FCRE4989 | 2022-11-23 12:18 | 2022-11-23 12:18 | Waived | 2 - Non-Material B | Credit | Closing | Collections, liens or judgments not paid at closing | Waived-Exception Type: - Material: Credit<br> Short Description:- Collection account not to be paid off<br> Comments:- Need an exception on collection accounts NOT to be paid off at closing. These are student loans, and the borrower is able to pay out them, however, does not have enough assets to close with these collections to be paid off<br> Exception form available on page no 68 of 591 - Due Diligence Vendor-11/23/2022 |  | Waived-Exception Type: - Material: Credit<br> Short Description:- Collection account not to be paid off<br> Comments:- Need an exception on collection accounts NOT to be paid off at closing. These are student loans, and the borrower is able to pay out them, however, does not have enough assets to close with these collections to be paid off<br> Exception form available on page no 68 of 591 - Due Diligence Vendor-11/23/2022<br>|  | Several income sources and DTI below 45%, Residual income >=$3000, DTI >=10% lower than loan program, No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 746801 |
| XXXXXXX_2023-NQM1-1012 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1013 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1014 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1015 |  | D A | Closed | FCRE9500 | 2022-11-30 09:31 | 2022-12-09 07:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Received proof from email of the EMD - Due Diligence Vendor-12/09/2022 <br>Open-Please provide $5,000 deposit and wire proof received from Title for EMD.<br> Note: Total $10,000 EMD is reflecting in HUD statement however, proof submitted is for $5,000 but remaining $5,000 is missing. - Due Diligence Vendor-11/30/2022 |  | Resolved-Received proof from email of the EMD - Due Diligence Vendor-12/09/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 751935 |
| XXXXXXX_2023-NQM1-1016 |  | D A | Closed | FCRE1964 | 2022-11-30 15:14 | 2022-12-08 12:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Removed income per lender and loan still qualifies. - Due Diligence Vendor-12/08/2022 <br>Ready for Review-Please disregard this income, it was added accidentally. This loan qualifies without it. - Seller-12/08/2022 <br>Open-Borrower "Other" income listed on 1003 for $10,750.48 (reflecting in 1008 & 1003) however, proof is missing for the same. Request you to please provide the same. Loan does not qualify without this income. Need verification of income - Due Diligence Vendor-11/30/2022 | Ready for Review-Please disregard this income, it was added accidentally. This loan qualifies without it. - Seller-12/08/2022<br>| Resolved-Removed income per lender and loan still qualifies. - Due Diligence Vendor-12/08/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 752774 |
| XXXXXXX_2023-NQM1-1017 |  | D A | Closed | FCOM1252 | 2022-11-23 09:56 | 2022-12-05 13:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received proof of delivery - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. Confirmation uploaded. Please, review it. - Seller-12/02/2022 <br>Open-Required evidence that revised loan estimate issues on 11/14/2022 was sent electronically. - Due Diligence Vendor-11/23/2022 | Ready for Review-Document Uploaded. Confirmation uploaded. Please, review it. - Seller-12/02/2022<br>| Resolved-Received proof of delivery - Due Diligence Vendor-12/05/2022<br>|  |  | [redacted_Confirmation.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 746497 |
| XXXXXXX_2023-NQM1-1018 |  | B A | Closed | FCRE1199 | 2022-11-22 14:05 | 2022-11-28 07:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of [redacted] is greater than the Guideline Maximum Loan Amount of $500000 Exception Type: Material: Appraisal, Reserves<br> Short Description: 75% LTV<br> 0.957 DSCR<br> $XXXk LA<br> Comments: LA is $XXXk, Cash in hand is only $XXXk, CO amount used for the 3 months reserves. DSCR is off by less than 5%, Could I get an itemized exception one for the LTV, one for the Loan amount and another for the Cashout amount being used for reserves. Itemized makes it easier in case the borrower decides the hit to rate is greater than the benefit and shows assets.<br> Exception Form page.584. - Due Diligence Vendor-11/22/2022 |  | Waived-Audited Loan Amount of $xxxxx is greater than the Guideline Maximum Loan Amount of $500000 Exception Type: Material: Appraisal, Reserves<br> Short Description: 75% LTV<br> 0.957 DSCR<br> $xxxk LA<br> Comments: LA is $630k, Cash in hand is only $50k, CO amount used for the 3 months reserves. DSCR is off by less than 5%, Could I get an itemized exception one for the LTV, one for the Loan amount and another for the Cashout amount being used for reserves. Itemized makes it easier in case the borrower decides the hit to rate is greater than the benefit and shows assets.<br> Exception Form page.584. - Due Diligence Vendor-11/22/2022 |  | Credit score >40% than minimum required, Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 745278 |
| XXXXXXX_2023-NQM1-1019 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1020 |  | C A | Closed | finding-3526 | 2022-11-22 14:09 | 2022-11-28 12:42 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-received proof sent electronically - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. Evidence that Revised Loan Estimate issues on XXXXX was sent electronically uploaded - Seller-11/28/2022 <br>Open-provide evidence that Revised Loan Estimate issues on XXXX was sent electronically<br> - Due Diligence Vendor-11/22/2022 | Ready for Review-Document Uploaded. Evidence that Revised Loan Estimate issues on 11/14/2022 was sent electronically uploaded - Seller-11/28/2022<br>| Resolved-received proof sent electronically - Due Diligence Vendor-11/28/2022<br>|  |  | Evidence.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 745292 |
| XXXXXXX_2023-NQM1-1021 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1022 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1023 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1024 |  | D B A | Closed | finding-710 | 2022-11-23 10:07 | 2022-11-29 16:28 | Resolved | 1 - Information C A | Compliance | State Reg | TX Constitution A6 Required Fees Test | Resolved-Document uploaded confirmed fees excluded for Texas High cost calculation. Finding is resolved. - Due Diligence Vendor-11/29/2022 <br>Ready for Review-Document Uploaded. Please review uploaded compliance report-it pass TX requirements. - Seller-11/25/2022 <br>Open-This loan failed the required fees test. (Texas Constitution, Article 16, Section 50 (a)(6)(E) & (t)(4), as amended Jan. 2018)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 2% of the original principal amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a state registered or licensed surveyor;A state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. - Due Diligence Vendor-11/23/2022 | Ready for Review-Document Uploaded. Please review uploaded compliance report-it pass TX requirements. - Seller-11/25/2022<br>| Resolved-Document uploaded confirmed fees excluded for Texas High cost calculation. Finding is resolved. - Due Diligence Vendor-11/29/2022<br>|  |  | [redacted_compliance.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 746527 |
| XXXXXXX_2023-NQM1-1025 |  | D B A | Closed | FCOM1262 | 2022-11-23 06:59 | 2022-11-28 14:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided or Not Applicable (The 1003 Page Occupancy status is 'Primary Residence'). - Due Diligence Vendor-11/28/2022 <br>Resolved-Received RTC - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. Please review uploaded Right to Cancel. - Seller-11/28/2022 <br>Open-Right of Rescission is Missing and the 1003 Page Occupancy status is 'Primary Residence'. No Right of Rescission forms in file - Due Diligence Vendor-11/23/2022 | Ready for Review-Document Uploaded. Please review uploaded Right to Cancel. - Seller-11/28/2022<br>| Resolved-Right of Rescission is Provided or Not Applicable (The 1003 Page Occupancy status is 'Primary Residence'). - Due Diligence Vendor-11/28/2022 <br>Resolved-Received RTC - Due Diligence Vendor-11/28/2022<br>|  |  | [redacted_Signed - RTC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 746074 |
| XXXXXXX_2023-NQM1-1026 |  | D B A | Closed | FCOM1519 | 2022-11-23 06:59 | 2022-11-28 14:26 | Resolved | 1 - Information C A | Compliance | State Reg | Texas Home Equity loan and T-42 or T42.1 Title endorsement is missing or incomplete. Cannot test for prior liens. | Resolved-T-42 or T42.1 Title endorsement is present or not applicable. - Due Diligence Vendor-11/28/2022 <br>Resolved-Proof of T42 received - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. Please refer to schedule B of title policy - Seller-11/25/2022 <br>Open-T-42 or T42.1 Title endorsement is missing or incomplete. Cannot test for prior liens. T42 and T42.1 not collected on title policy - Due Diligence Vendor-11/23/2022 | Ready for Review-Document Uploaded. Please refer to schedule B of title policy - Seller-11/25/2022<br>| Resolved-T-42 or T42.1 Title endorsement is present or not applicable. - Due Diligence Vendor-11/28/2022 <br>Resolved-Proof of T42 received - Due Diligence Vendor-11/28/2022<br>|  |  | [redacted_title commitment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 746075 |
| XXXXXXX_2023-NQM1-1027 |  | D B A | Closed | FCRE1437 | 2022-11-23 09:06 | 2022-11-23 09:06 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Borrower had multiple NSF charges. - Due Diligence Vendor-11/23/2022 |  | Waived-Borrower had multiple NSF charges. - Due Diligence Vendor-11/23/2022<br>|  | Revolving debt is under 30%, 5 years on current job, 10 years or more in<br> same line of employment, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years<br> credit history, LTV 10% below maximum, Reserves>6 months<br> Page 509 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 746357 |
| XXXXXXX_2023-NQM1-1028 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1029 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1030 |  | D A | Closed | finding-3519 | 2022-11-23 15:13 | 2022-12-01 15:28 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Documents uploaded clear finding - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Document Uploaded. Please, find the Initial CD attached. Thank you! - Seller-11/30/2022 <br>Open-Initial Closing Disclosure missing in the file - Due Diligence Vendor-11/23/2022 | Ready for Review-Document Uploaded. Please, find the Initial CD attached. Thank you! - Seller-11/30/2022<br>| Resolved-Documents uploaded clear finding - Due Diligence Vendor-12/01/2022<br>|  |  | [redacted_Closing_Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 747059 |
| XXXXXXX_2023-NQM1-1031 |  | D A | Closed | FCOM9970 | 2022-11-29 11:36 | 2022-12-01 15:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-Documents uploaded clear finding - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Please, find the Initial CD uploaded to the File Uploads (1013901_Closing_Disclosure.pdf). Thank you! - Seller-11/30/2022 <br>Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Initial Closing Disclosure missing in the file - Due Diligence Vendor-11/29/2022 | Ready for Review-Please, find the Initial CD uploaded to the File Uploads ([redacted]_Closing_Disclosure.pdf). Thank you! - Seller-11/30/2022 | Resolved-Documents uploaded clear finding - Due Diligence Vendor-12/01/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 750480 |
| XXXXXXX_2023-NQM1-1032 |  | D A | Closed | finding-3526 | 2022-12-01 15:19 | 2022-12-01 15:28 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Documents uploaded clear finding - Due Diligence Vendor-12/01/2022 <br>Open-provide evidence that Revised Loan Estimate issues on 11/08/2022 was sent electronically<br> - Due Diligence Vendor-12/01/2022 <br>Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.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 §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. - Due Diligence Vendor-12/01/2022 |  | Resolved-Documents uploaded clear finding - Due Diligence Vendor-12/01/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 754506 |
| XXXXXXX_2023-NQM1-1033 |  | D A | Closed | FCRE3653 | 2022-11-23 14:54 | 2022-12-01 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Only 1 borrower - Due Diligence Vendor-12/01/2022 <br>Ready for Review-Please, be advised that the loan has only 1 borrower - XXXXXXXXXX, a married woman. As per XXXXXXXX_Closing_Package_-_Signed.pdf (p. 75), the borrower's spouse (XXXXXXXX) is just a Title holder, not an applicant. Thank you! - Seller-11/30/2022 <br>Open-Please confirm about number of borrowers on the loan:- This loan is completed showing the 2 borrowers XXXXXXXXX and XXXXXXXXXX on the Approval document. However the Final application (Pg#58) received is not completely filled for 2nd member: XXXXXXXXXXX. NOTE reads with 1 borrower: XXXXXXX DOT is Showing the 2borrowers. Finally, the Credit Report received is for the 1 borrower only - XXXXXXX- Due Diligence Vendor-11/23/2022 | Ready for Review-Please, be advised that the loan has only 1 borrower - [redacted], a married woman. As per [redacted]_Closing_Package_-_Signed.pdf (p. 75), the borrower's spouse (XXXXXXXXXXXX) is just a Title holder, not an applicant. Thank you! - Seller-11/30/2022 | Resolved-Only 1 borrower - Due Diligence Vendor-12/01/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 747049 |
| XXXXXXX_2023-NQM1-1034 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1035 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1036 |  | C A | Closed | FCRE1236 | 2022-11-30 14:43 | 2022-12-09 12:10 | Resolved | 1 - Information C A | Credit | Eligibility | Occupancy Not Allowed | Resolved-Updated appraisal reflects tenant - Due Diligence Vendor-12/09/2022 <br>Ready for Review-Document Uploaded. Updated Appraisal and SSR Forms uploaded. Please, review it. - Seller-12/09/2022 <br>Open-Appraiser states one of the 2 units are owner occupied (See page 1). This is cash out refi DSCR product. - Due Diligence Vendor-11/30/2022 | Ready for Review-Document Uploaded. Updated Appraisal and SSR Forms uploaded. Please, review it. - Seller-12/09/2022<br>| Resolved-Updated appraisal reflects tenant - Due Diligence Vendor-12/09/2022<br>|  |  | [redacted_SSR_FNM.pdf<br> [redacted_SSR_FRE.pdf<br> [redacted_Appraisal.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 752729 |
| XXXXXXX_2023-NQM1-1037 |  | D A | Closed | FCRE1145 | 2022-11-29 02:26 | 2022-12-07 12:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/07/2022 <br>Resolved-received prelim title - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. Preliminary Title uploaded. Please, review it. - Seller-12/06/2022 <br>Open-Title Document is missing no prelim in the file - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. Preliminary Title uploaded. Please, review it. - Seller-12/06/2022<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-12/07/2022 <br>Resolved-received prelim title - Due Diligence Vendor-12/07/2022<br>|  |  | [redacted_Preliminary title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 749570 |
| XXXXXXX_2023-NQM1-1038 |  | D A | Closed | FCRE1194 | 2022-11-28 06:48 | 2022-12-15 13:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-updated appraisal received. - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. Property type was changed to suburban, there are no restrictions. Updated Appraisal uploaded. Please, review it. - Seller-12/15/2022 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 70% Property is SFR Rural and Max LTV allowed is 70% and no exceptions provided. - Due Diligence Vendor-11/28/2022 | Ready for Review-Document Uploaded. Property type was changed to suburban, there are no restrictions. Updated Appraisal uploaded. Please, review it. - Seller-12/15/2022<br>| Resolved-updated appraisal received. - Due Diligence Vendor-12/15/2022<br>|  |  | [redacted_Updated Appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 748005 |
| XXXXXXX_2023-NQM1-1039 |  | D A | Closed | FCRE1241 | 2022-11-28 09:48 | 2022-12-01 07:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Per Lender Escrow instructions will be used in lieu of contract - Due Diligence Vendor-12/01/2022 <br>Open-Executed Purchase contract document is missing in the file. - Due Diligence Vendor-11/28/2022 |  | Resolved-Per Lender Escrow instructions will be used in lieu of contract - Due Diligence Vendor-12/01/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 748477 |
| XXXXXXX_2023-NQM1-1040 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1041 |  | B A | Closed | FCRE1493 | 2022-11-28 07:42 | 2022-11-30 04:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Found exception form on page no- 126 for insufficient Credit trade line <br> - Due Diligence Vendor-11/28/2022 |  | Waived-Found exception form on page no- 126 for insufficient Credit trade line <br> - Due Diligence Vendor-11/28/2022<br>|  | Reserves>6 months, Credit score >40% than minimum required, Revolving debt is under 30%, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 748103 |
| XXXXXXX_2023-NQM1-1042 |  | B A | Closed | FCRE6843 | 2022-11-28 07:23 | 2022-11-28 07:25 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Found exception form on page no - 528 its states that Gift funds as reserves, DSCR > 1.00. - Due Diligence Vendor-11/28/2022 |  | Waived-Found exception form on page no - 528 its states that Gift funds as reserves, DSCR > 1.00. - Due Diligence Vendor-11/28/2022<br>|  | CLTV 10% below maximum, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 748064 |
| XXXXXXX_2023-NQM1-1043 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1044 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1045 |  | C A | Closed | finding-3515 | 2022-11-29 08:15 | 2022-12-05 13:19 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received proof of delivery - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. Evidence that Initial Loan Estimate 10/26/2022 was sent electronically uploaded - Seller-12/02/2022 <br>Open-provide evidence that Initial Loan Estimate 10/26/2022 was sent electronically<br> - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Evidence that Initial Loan Estimate 10/26/2022 was sent electronically uploaded - Seller-12/02/2022<br>| Resolved-Received proof of delivery - Due Diligence Vendor-12/05/2022<br>|  |  | Evidence that Initial Loan Estimate was sent electronically.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 749994 |
| XXXXXXX_2023-NQM1-1046 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1047 |  | B A | Closed | FCRE6843 | 2022-11-29 05:20 | 2022-11-29 05:20 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Found [redacted] in pg 257 states Gift on Investment, The assets for the Down payment are coming from the wife as a gift. DTI is low - Due Diligence Vendor-11/29/2022 |  | Waived-Found [redacted] in pg 257 states Gift on Investment, The assets for the Down payment are coming from the wife as a gift. DTI is low - Due Diligence Vendor-11/29/2022<br>|  | Several income sources and DTI below 45%, Residual income >=$3000, DTI >=10% lower than loan program |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 749656 |
| XXXXXXX_2023-NQM1-1048 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1049 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1050 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1051 |  | C B A | Closed | FCOM5814 | 2022-11-30 12:06 | 2022-12-05 13:21 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Proof of delivery received - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. Confirmation uploaded. Please, review it. - Seller-12/02/2022 <br>Open-Provide evidence Initial CD 11/18/2022 was sent electronically. - Due Diligence Vendor-11/30/2022 | Ready for Review-Document Uploaded. Confirmation uploaded. Please, review it. - Seller-12/02/2022<br>| Resolved-Proof of delivery received - Due Diligence Vendor-12/05/2022<br>|  |  | [redacted_Confirmation.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 752399 |
| XXXXXXX_2023-NQM1-1052 |  | C B A | Closed | FCRE8611 | 2022-11-30 02:21 | 2022-11-30 02:22 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-We Found Exception On Pgno:729. It States that the Non-QM bank statement program, all parties listed on bank account must also be borrowers .Be on the loan (personal bank statements).Account provided for qualifying income has 3 borrowers. - Due Diligence Vendor-11/30/2022 |  | Waived-We Found Exception On Pgno:729. It States that the Non-QM bank statement program, all parties listed on bank account must also be borrowers .Be on the loan (personal bank statements).Account provided for qualifying income has 3 borrowers. - Due Diligence Vendor-11/30/2022<br>|  | DTI >=10% lower than loan program, 10 years or more in same line of employment, No consumer late payments in last 48 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 751234 |
| XXXXXXX_2023-NQM1-1053 |  | D B A C | Closed | FCRE8860 | 2022-11-30 10:37 | 2022-12-07 12:44 | Resolved | 1 - Information C A | Credit | Income/Employment | Audited DSCR does not meet guidelines requirements | Resolved-calc completed - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. Please refer to the Appraisal /page 64 for rent conclusion. Please clear this condition. Thank you! - Seller-12/06/2022 <br>Open-Unable to calculate a DSCR score as no 1007 as property is a commercial store. - Due Diligence Vendor-11/30/2022 | Ready for Review-Document Uploaded. Please refer to the Appraisal /page 64 for rent conclusion. Please clear this condition. Thank you! - Seller-12/06/2022<br>| Resolved-calc completed - Due Diligence Vendor-12/07/2022<br>|  |  | [redacted appraisal.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 752112 |
| XXXXXXX_2023-NQM1-1054 |  | D B A C | Closed | FCRE8728 | 2022-11-29 11:55 | 2022-12-05 13:07 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Payment History | Waived-Exception pay history missing - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-11/30/2022 <br>Open-Please provide 12 month payment history for mortgage being refinanced. - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-11/30/2022<br>| Waived-Exception pay history missing - Due Diligence Vendor-12/05/2022<br>|  | Low LTV 63.63%; FICO 706; 5+ years credit history | Exception payment history 1013661.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 750531 |
| XXXXXXX_2023-NQM1-1055 |  | D B A C | Closed | FVAL5524 | 2022-11-29 11:57 | 2022-12-05 13:07 | Waived | 2 - Non-Material C B | Property | Property | Ineligible Property | Waived-Exception Commercial property - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded. Please clear this condition, thank you - Seller-11/30/2022 <br>Open-Per guidelines, commercial buildings are ineligible. - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Exception form is uploaded. Please clear this condition, thank you - Seller-11/30/2022<br>| Waived-Exception Commercial property - Due Diligence Vendor-12/05/2022<br>|  | Low LTV 63.63%; FICO 706; 5+ years credit history | Exception property1013661.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 750541 |
| XXXXXXX_2023-NQM1-1056 |  | D B A C | Closed | FCOM4028 | 2022-11-29 11:15 | 2022-12-05 13:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-12/05/2022 <br>Resolved-Received recorded mortgage - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. uploaded, please clear this condition, thank you - Seller-11/30/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. uploaded, please clear this condition, thank you - Seller-11/30/2022<br>| Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-12/05/2022 <br>Resolved-Received recorded mortgage - Due Diligence Vendor-12/05/2022<br>|  |  | recorded deed of trust.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 750432 |
| XXXXXXX_2023-NQM1-1057 |  | D B C | Closed | FVAL1039 | 2022-11-29 09:47 | 2022-12-15 09:41 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. - Due Diligence Vendor-12/15/2022 <br>Open-no value support product in file - Due Diligence Vendor-11/29/2022 |  | Resolved-Document Uploaded. - Due Diligence Vendor-12/15/2022<br>|  |  | 5538245_[redacted_MissionGlobal_12.12.2022.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 750247 |
| XXXXXXX_2023-NQM1-1058 |  | D B C | Closed | FPRO1245 | 2022-11-29 07:26 | 2022-12-12 09:03 | Waived | 2 - Non-Material C B | Property | Appraisal | Appraisal is Expired | Waived-Exception: Primary Value Appraisal is Expired - Due Diligence Vendor-12/12/2022 <br>Ready for Review-Document Uploaded. Exception is uploaded. Please clear this condition, thank you! - Seller-12/12/2022 <br>Open-Primary Value Appraisal is Expired - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Exception is uploaded. Please clear this condition, thank you! - Seller-12/12/2022<br>| Waived-Exception: Primary Value Appraisal is Expired - Due Diligence Vendor-12/12/2022<br>|  | Low LTV 65%; Strong borrower FICO 764; No credit events past 48 months; 5+ years credit history | ExceptionAppraisal [redacted.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 749859 |
| XXXXXXX_2023-NQM1-1059 |  | D B C | Closed | FCOM3715 | 2022-11-29 07:46 | 2022-12-07 12:51 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Note terms are incorrect | Waived-Waiver provided and Lender accepted Note terms for 1 year. - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded , please clear this condition, thank you! - Seller-12/06/2022 <br>Open-The loan approval and Lite Doc Guidelines stated the Note is fixed for 5 years. The subject note is fixed for 1 year. - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Exception form is uploaded , please clear this condition, thank you! - Seller-12/06/2022<br>| Waived-Waiver provided and Lender accepted Note terms for 1 year. - Due Diligence Vendor-12/07/2022<br>|  | Low LTV 65%; Strong borrower FICO 764; No credit events past 48 months; 5+ years credit history | ExceptionTerm [redacted.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 749910 |
| XXXXXXX_2023-NQM1-1060 |  | D B C | Closed | FCRE6843 | 2022-11-29 07:41 | 2022-12-07 12:46 | Waived | 2 - Non-Material C B | Credit | Assets | Asset General | Waived-Waiver provide for no assets. - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded. Please clear this condition, thank you! - Seller-12/06/2022 <br>Open-Verified assets $0.00, cash to close is $309,404.47, 3 months reserves required equal to $15,517.47, Balance Monthly Debt $1,571, borrower is hence short $326,492.940 to meet cash to close and reserve requirement - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Exception form is uploaded. Please clear this condition, thank you! - Seller-12/06/2022<br>| Waived-Waiver provide for no assets. - Due Diligence Vendor-12/07/2022<br>|  | Low LTV 65%; Strong borrower FICO 764; No credit events past 48 months; 5+ years credit history | ExceptionAssets [redacted.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 749906 |
| XXXXXXX_2023-NQM1-1061 |  | D B C | Closed | FVAL5524 | 2022-11-29 07:42 | 2022-12-07 12:45 | Waived | 2 - Non-Material C B | Property | Property | Ineligible Property | Waived-Waiver provided for Commercial property not residential - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-12/06/2022 <br>Open-Property is a commercial retail space building. - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Exception form is uploaded, please clear this condition, thank you! - Seller-12/06/2022<br>| Waived-Waiver provided for Commercial property not residential - Due Diligence Vendor-12/07/2022<br>|  | Low LTV 65%; Strong borrower FICO 764; No credit events past 48 months; 5+ years credit history | ExceptionType of property [redacted.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 749908 |
| XXXXXXX_2023-NQM1-1062 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1063 |  | D A | Closed | FCRE1326 | 2022-12-05 06:02 | 2022-12-08 14:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-12/08/2022 <br> Resolved-P&L provided - Due Diligence Vendor-12/08/2022 <br> Ready for Review-Document Uploaded. Please, find the P&L Statement attached. Thank you! - Seller-12/08/2022 <br> Open-Borrower 1 YTD Profit & Loss Missing Found a CPA letter specifying the P&L on Pg no 44-46 however expenses not itemized as per guideline P&L attachment missing. - Due Diligence Vendor-12/05/2022 | Ready for Review-Document Uploaded. Please, find the P&L Statement attached. Thank you! - Seller-12/08/2022<br>| Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-12/08/2022 <br>Resolved-P&L provided - Due Diligence Vendor-12/08/2022<br>|  |  | [redacted _Profit and Loss Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 756742 |
| XXXXXXX_2023-NQM1-1064 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1065 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1066 |  | C A | Closed | FCRE1194 | 2022-12-01 05:54 | 2022-12-05 13:17 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Per lock LTV is in place - Due Diligence Vendor-12/05/2022 <br>Ready for Review-As per latest lock confirmation we have 2% financed points added to LTV. - Seller-12/05/2022 <br>Open-Audited LTV of 71.4% exceeds Guideline LTV of 70% As Per Rate Sheet Audited LTV is exceeds the Guideline LTV because DSCR score is less than 1 - Due Diligence Vendor-12/01/2022 | Ready for Review-As per latest lock confirmation we have 2% financed points added to LTV. - Seller-12/05/2022<br>| Resolved-Per lock LTV is in place - Due Diligence Vendor-12/05/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 753221 |
| XXXXXXX_2023-NQM1-1067 |  | B A | Closed | FCRE9806 | 2022-12-01 10:11 | 2022-12-01 10:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding | Waived-Found Exception form on page #1100 Exception states PUD has mandatory membership New construction. Approved exception form required for the following: PUD has a mandatory membership in Siena Reserve Club (Guideline: Projects may not have mandatory upfront or periodic membership fees for the use of recreational amenities, such as country club facilities and golf courses) - Due Diligence Vendor-12/01/2022 |  | Waived-Found Exception form on page #1100 Exception states PUD has mandatory membership New construction. Approved exception form required for the following: PUD has a mandatory membership in xxxxxxxx (Guideline: Projects may not have mandatory upfront or periodic membership fees for the use of recreational amenities, such as country club facilities and golf courses) - Due Diligence Vendor-12/01/2022 |  | 5 years on current job, No mortgage late payments in last 24 months, No consumer late payments in last 48 months 5 years on current job |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 753696 |
| XXXXXXX_2023-NQM1-1068 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1069 |  | C A | Closed | finding-3631 | 2022-12-01 11:01 | 2022-12-01 11:06 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/01/2022 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 753821 |
| XXXXXXX_2023-NQM1-1070 |  | C A | Closed | finding-3632 | 2022-12-01 11:01 | 2022-12-01 11:06 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/01/2022 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 753822 |
| XXXXXXX_2023-NQM1-1071 |  | C A | Closed | finding-3634 | 2022-12-01 11:01 | 2022-12-01 11:06 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | 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 $0.25.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/01/2022 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 753823 |
| XXXXXXX_2023-NQM1-1072 |  | D A | Closed | FCRE1182 | 2022-11-29 12:31 | 2022-12-02 14:32 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/30/2022 <br>Open- - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/30/2022<br>| Resolved-Received approval - Due Diligence Vendor-12/02/2022<br>|  |  | approval.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 750636 |
| XXXXXXX_2023-NQM1-1073 |  | D A | Closed | FCRE8728 | 2022-11-29 12:31 | 2022-12-02 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Payment History | Resolved-Received pay history - Due Diligence Vendor-12/02/2022 <br> Ready for Review-Document Uploaded. see attached - Seller-11/30/2022 <br> Open-missing pay history for XXXX (loan on subject property being paid off) - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. see attached - Seller-11/30/2022<br>| Resolved-Received pay history - Due Diligence Vendor-12/02/2022<br>|  |  | Payment history (5).pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 750635 |
| XXXXXXX_2023-NQM1-1074 |  | D A | Closed | FCRE9991 | 2022-11-29 12:33 | 2022-12-02 14:31 | Resolved | 1 - Information A | Credit | Data | Data Discrepancy - Tape Data is Different than Original Loan Approval Document Data | Resolved-Received data - Due Diligence Vendor-12/02/2022 <br>Ready for Review-Loan tape states Loanrate as 8.75 as well - Seller-11/30/2022 <br>Open-rate on Note is 8.75 - Due Diligence Vendor-11/29/2022 | Ready for Review-Loan tape states Loanrate as 8.75 as well - Seller-11/30/2022<br>| Resolved-Received data - Due Diligence Vendor-12/02/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 750638 |
| XXXXXXX_2023-NQM1-1075 |  | B A | Closed | FCRE9806 | 2022-11-30 08:21 | 2022-11-30 08:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding | Waived-Exception form found on page no.301, states Loan #8 for same borrower - Due Diligence Vendor-11/30/2022 |  | Waived-Exception form found on page no.301, states Loan #8 for same borrower - Due Diligence Vendor-11/30/2022<br>|  | Revolving debt is under 30%, Residual income >=$3000, DTI >=10% lower than loan program, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48 months, Credit score >40% than minimum required, Reserves>6 months, Other: specify below |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 751715 |
| XXXXXXX_2023-NQM1-1076 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1077 |  | C A | Closed | FCRE1493 | 2022-12-01 03:50 | 2022-12-07 14:12 | Resolved | 1 - Information C A | Credit | Eligibility | Trade line count does not meet program requirements | Resolved-received rent history - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. 24 months history for borrowers rent payment uploaded - Seller-12/06/2022 <br>Open-AS per [redacted] guidelines we need 3 tradelines reporting for 12 or more months and remained open within 12 months or 2 tradelines reporting for 24 or more months and remained open within 12 months. we have only 3 tradelines but not within 12 or more months and remained open within 12 months - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. 24 months history for borrowers rent payment uploaded - Seller-12/06/2022<br>| Resolved-received rent history - Due Diligence Vendor-12/07/2022<br>|  |  | Rent payment history.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 753142 |
| XXXXXXX_2023-NQM1-1078 |  | C A | Closed | FPRO1136 | 2022-11-30 03:59 | 2022-12-05 13:18 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-12/05/2022 <br>Resolved-Received completion report - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. 1004D uploaded - Seller-12/05/2022 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis 1004D document is missing in the file - Due Diligence Vendor-11/30/2022 | Ready for Review-Document Uploaded. 1004D uploaded - Seller-12/05/2022<br>| Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-12/05/2022 <br>Resolved-Received completion report - Due Diligence Vendor-12/05/2022<br>|  |  | 1004D.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 751280 |
| XXXXXXX_2023-NQM1-1079 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1080 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1081 |  | C A | Closed | finding-3631 | 2022-12-02 09:04 | 2022-12-08 14:24 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC Provided - Due Diligence Vendor-12/08/2022 <br>Ready for Review-Document Uploaded. COC provided - Seller-12/07/2022 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Provide the COC for the increase in Discount Points on CD 11/29/2022. - Due Diligence Vendor-12/02/2022 | Ready for Review-Document Uploaded. COC provided - Seller-12/07/2022<br>| Resolved-COC Provided - Due Diligence Vendor-12/08/2022<br>|  |  | [redacted_COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 755354 |
| XXXXXXX_2023-NQM1-1082 |  | C A | Closed | finding-3632 | 2022-12-02 09:04 | 2022-12-08 14:24 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC Provided - Due Diligence Vendor-12/08/2022 <br>Ready for Review-Document Uploaded. COC provided - Seller-12/07/2022 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Provide the COC for the increase in Discount Points on CD 11/29/2022. - Due Diligence Vendor-12/02/2022 | Ready for Review-Document Uploaded. COC provided - Seller-12/07/2022<br>| Resolved-COC Provided - Due Diligence Vendor-12/08/2022<br>|  |  | [redacted_COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 755355 |
| XXXXXXX_2023-NQM1-1083 |  | C A | Closed | finding-3634 | 2022-12-02 09:04 | 2022-12-08 14:24 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC Provided - Due Diligence Vendor-12/08/2022 <br>Ready for Review-Document Uploaded. COC provided - Seller-12/07/2022 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,218.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Provide the COC for the increase in Discount Points on CD 11/29/2022. - Due Diligence Vendor-12/02/2022 | Ready for Review-Document Uploaded. COC provided - Seller-12/07/2022<br>| Resolved-COC Provided - Due Diligence Vendor-12/08/2022<br>|  |  | [redacted_COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 755356 |
| XXXXXXX_2023-NQM1-1084 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXXXXX_2023-NQM1-1085 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1086 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1087 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1088 |  | B A | Closed | FVAL9739 | 2022-12-06 09:17 | 2022-12-07 05:50 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Found exception on page no -177 for Condo budget expired and also found another exception on page no - 175 for 96% of condo units are investment properties. - Due Diligence Vendor-12/06/2022 |  | Waived-Found exception on page no -177 for Condo budget expired and also found another exception on page no - 175 for 96% of condo units are investment properties. - Due Diligence Vendor-12/06/2022<br>|  | Revolving debt is under 30%, 5 years on current job, Residual income >=$3000, DTI >=10% lower than loan program, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48 months, Credit score >40% than minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 759126 |
| XXXXXXX_2023-NQM1-1089 |  | D A C | Closed | FCRE1440 | 2022-11-30 09:43 | 2022-12-05 14:39 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit report and mortgage rating - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. credit report attached - Seller-12/05/2022 <br>Counter-Need full credit reports what was loaded is only a snapshot - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-12/01/2022 <br>Open-Housing History Does Not Meet Guideline Requirements File is missing Credit Report - Need full 12 month recent pmt history. - Due Diligence Vendor-11/30/2022 | Ready for Review-Document Uploaded. credit report attached - Seller-12/05/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-12/01/2022<br>| Resolved-Received credit report and mortgage rating - Due Diligence Vendor-12/05/2022<br>|  |  | Credit report.pdf<br>credit report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 751974 |
| XXXXXXX_2023-NQM1-1090 |  | D A C | Closed | FCRE5770 | 2022-11-30 09:43 | 2022-12-05 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. Received credit report and mortgage rating - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. credit report attached - Seller-12/05/2022 <br>Counter-Need full credit reports what was loaded is only a snapshot - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-12/01/2022 <br>Open-Borrower 1 Credit Report is Missing. File is missing Credit Report - Due Diligence Vendor-11/30/2022 | Ready for Review-Document Uploaded. credit report attached - Seller-12/05/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-12/01/2022<br>| Resolved-Borrower 1 Credit Report is not missing. Received credit report and mortgage rating - Due Diligence Vendor-12/05/2022<br>|  |  | Credit report.pdf<br>credit report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 751975 |
| XXXXXXX_2023-NQM1-1091 |  | D A C | Closed | FCRE5771 | 2022-11-30 09:43 | 2022-12-05 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Received credit report and mortgage rating - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. credit report attached - Seller-12/05/2022 <br>Counter-Need full credit reports what was loaded is only a snapshot - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-12/01/2022 <br>Open-Borrower 2 Credit Report is Missing. File is missing Credit Report - Due Diligence Vendor-11/30/2022 | Ready for Review-Document Uploaded. credit report attached - Seller-12/05/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-12/01/2022<br>| Resolved-Received credit report and mortgage rating - Due Diligence Vendor-12/05/2022<br>|  |  | Credit report.pdf<br>credit report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 751976 |
| XXXXXXX_2023-NQM1-1092 |  | D A C | Closed | FCOM3910 | 2022-11-30 10:22 | 2022-12-05 13:01 | Resolved | 1 - Information C A | Compliance | Disclosure | Other Compliance Finding | Resolved-Received updated id - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-12/05/2022 <br>Open-B2 Identification in file, page 178, expired 11/20/2022 - Loan closed 11/29/2022. - Due Diligence Vendor-11/30/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-12/05/2022<br>| Resolved-Received updated id - Due Diligence Vendor-12/05/2022<br>|  |  | ID DL B2.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 752067 |
| XXXXXXX_2023-NQM1-1093 |  | D A C | Closed | FCRE1159 | 2022-11-30 09:54 | 2022-12-05 13:01 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received updated insurance - Due Diligence Vendor-12/05/2022 <br> Ready for Review-Document Uploaded. Please see attached - Seller-12/01/2022 <br> Open-Hazard Insurance Effective Date of 11-30-2022 is after the Note Date of xx-xx-2022 Loan disbursed 11/29/2022 - No amended policy located. all read 11/30. - Due Diligence Vendor-11/30/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-12/01/2022<br>| Resolved-Received updated insurance - Due Diligence Vendor-12/05/2022<br>|  |  | T. EOI Updated.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 752004 |
| XXXXXXX_2023-NQM1-1094 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1095 |  | C A | Closed | finding-3529 | 2022-12-05 07:19 | 2022-12-07 14:33 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved-received electronic proof - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. Proof provided - Seller-12/07/2022 <br>Open-Provide evidence LE 11/03/2022 was sent electronically. - Due Diligence Vendor-12/05/2022 | Ready for Review-Document Uploaded. Proof provided - Seller-12/07/2022<br>| Resolved-received electronic proof - Due Diligence Vendor-12/07/2022<br>|  |  | [redacted_Proof 11.03.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 756860 |
| XXXXXXX_2023-NQM1-1096 |  | C A | Closed | FCOM9967 | 2022-12-05 07:16 | 2022-12-07 14:33 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Loan Estimate Deficiency | Resolved-received electronic proof - Due Diligence Vendor-12/07/2022 <br>Ready for Review-Document Uploaded. Proof provided - Seller-12/07/2022 <br>Open-Provide evidence LE 11/02/2022 was sent electronically. - Due Diligence Vendor-12/05/2022 | Ready for Review-Document Uploaded. Proof provided - Seller-12/07/2022<br>| Resolved-received electronic proof - Due Diligence Vendor-12/07/2022<br>|  |  | [redacted_Proof 11.02.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 756853 |
| XXXXXXX_2023-NQM1-1097 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1098 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1099 |  | B A | Closed | FVAL9739 | 2022-12-01 11:07 | 2022-12-02 15:10 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Type - Material: Appraisal<br> Short Description : Appl Gross Adjust over 25 most net adj in guideline<br> Comments : Appraisal Gross Adjustments over 25% majority of net adjustments within guideline. See<br> Appraisers comments below: Net and Gross Adjustment Guidelines :Sales 1,2 4,5 & 6 exceed the 25% gross adjustment guideline and 10% line item adjustment guidelines due to the XXXXXXX guidelines that require below grade and above grade living areas to be reported separate. These sales exceed the guidelines for both GLA and basement level adjustments. The GLA and basement area adjustments are supported bymarket extraction using the best available sales in the market area. Exceeding the guidelines is not a factor and sales1,2,4,5 & 6 are reliable indicators<br> of the subject's market value.Sale 2 has been adjusted in excess of the 10% line item adjustment guideline due to being in superior condition. The condition adjustment is supported by comparison of sale 2 with sales that are most similar to the subject. Exceeding the guidelines is not a factor and sale 2 is a reliable indicator of the subject's market value. Sale 5 exceeds the 15% net adjustment <br> guideline due to it's difference in site value and condition. The site adjustment is supported by comparison of the subject's site value with the site contribution of sale 5. The condition adjustment is supported by comparison of sale 5 with sales that are most similar to the subject. Exceeding the guidelines is not a factor and sale 5 is a reliable indicator of the subject's market value.<br> Exception form: pg#75 of Borrower pkg. - Due Diligence Vendor-12/01/2022 |  | Waived-Exception Type - Material: Appraisal<br> Short Description : Appl Gross Adjust over 25 most net adj in guideline<br> Comments : Appraisal Gross Adjustments over 25% majority of net adjustments within guideline. See<br> Appraisers comments below: Net and Gross Adjustment Guidelines :Sales 1,2 4,5 & 6 exceed the 25% gross adjustment guideline and 10% line item adjustment guidelines due to the XXXXXXXI guidelines that require below grade and above grade living areas to be reported separate. These sales exceed the guidelines for both GLA and basement level adjustments. The GLA and basement area adjustments are supported bymarket extraction using the best available sales in the market area. Exceeding the guidelines is not a factor and sales1,2,4,5 & 6 are reliable indicators<br> of the subject's market value.Sale 2 has been adjusted in excess of the 10% line item adjustment guideline due to being in superior condition. The condition adjustment is supported by comparison of sale 2 with sales that are most similar to the subject. Exceeding the guidelines is not a factor and sale 2 is a reliable indicator of the subject's market value. Sale 5 exceeds the 15% net adjustment <br> guideline due to it's difference in site value and condition. The site adjustment is supported by comparison of the subject's site value with the site contribution of sale 5. The condition adjustment is supported by comparison of sale 5 with sales that are most similar to the subject. Exceeding the guidelines is not a factor and sale 5 is a reliable indicator of the subject's market value.<br> Exception form: pg#75 of Borrower pkg. - Due Diligence Vendor-12/01/2022<br>|  | Borrower contribution exceeds requirement >=5%, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 753847 |
| XXXXXXX_2023-NQM1-1100 |  | B A | Closed | FCRE1194 | 2022-12-01 14:44 | 2022-12-05 12:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Exception Type: LTV--70% LTV with 672score--70 LTV with 672 score, per matrix can do 65% only. 2 borrowers, not first time investors, no mortgage lates. Exception form on page #129 of Borrwer pkg.pdf - Due Diligence Vendor-12/05/2022 <br>Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Exception Type: LTV--70% LTV with 672score--70 LTV with 672 score, per matrix can do 65% only. 2 borrowers, not first time investors, no mortgage lates.<br> Exception form on page #129 of Borrwer pkg.pdf<br>- Due Diligence Vendor-12/01/2022 |  | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Exception Type: LTV--70% LTV with 672score--70 LTV with 672 score, per matrix can do 65% only. 2 borrowers, not first time investors, no mortgage lates. Exception form on page #129 of Borrwer pkg.pdf - Due Diligence Vendor-12/05/2022 <br>Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Exception Type: LTV--70% LTV with 672score--70 LTV with 672 score, per matrix can do 65% only. 2 borrowers, not first time investors, no mortgage lates.<br> Exception form on page #129 of Borrwer pkg.pdf<br>- Due Diligence Vendor-12/01/2022<br>|  | Experienced investor with 2+ investment properties, Credit score >40% than minimum required, 2+ borrowers on the loan, Revolving debt is under 30%, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 754442 |
| XXXXXXX_2023-NQM1-1101 |  | B A | Closed | FVAL9739 | 2022-12-01 15:08 | 2022-12-01 15:08 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Type: Appraisal--listed for sale on submission day--Subject property was listed for sale XXXX, loan file was submitted on XXX. Listing for sale was canceled and withdrawn on XXXXX. See appraisal and snip for listing attached.<br> Exception form on page #1 of Property pkg.pdf<br> - Due Diligence Vendor-12/01/2022 |  | Waived-Exception Type: Appraisal--listed for sale on submission day--Subject property was listed for sale XXXX, loan file was submitted on XXXX. Listing for sale was canceled and withdrawn on XXXX. See appraisal and snip for listing attached.<br> Exception form on page #1 of Property pkg.pdf<br> - Due Diligence Vendor-12/01/2022<br>|  | Reserves>6 months, Experienced investor with 2+ investment properties, Credit score >40% than minimum required, 2+ borrowers on the loan, Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months, Other: specify below |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 754487 |
| XXXXXXX_2023-NQM1-1102 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1103 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1104 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1105 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1106 |  | B A | Closed | FCRE1252 | 2022-12-02 09:55 | 2022-12-02 09:55 | Waived | 2 - Non-Material B | Credit | Missing Doc | Title Document is Incomplete | Waived-Exception Type : - Material: Title<br> Short Description :- DSCR, no property owned within past 24 months.<br> Exception form available on page no 428 of 867 - Due Diligence Vendor-12/02/2022 |  | Waived-Exception Type : - Material: Title<br> Short Description :- DSCR, no property owned within past 24 months.<br> Exception form available on page no 428 of 867 - Due Diligence Vendor-12/02/2022<br>|  | Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late<br> payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 755484 |
| XXXXXXX_2023-NQM1-1107 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1108 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1109 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1110 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1111 |  | C A | Closed | FCRE6843 | 2022-12-02 06:36 | 2022-12-12 11:28 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-withdrawal permission received. - Due Diligence Vendor-12/12/2022 <br>Ready for Review-Document Uploaded. - Seller-12/09/2022 <br>Open-missing proof borrower can withdraw from 401k Guides state The account must allow withdrawal regardless of employment status. - Due Diligence Vendor-12/02/2022 | Ready for Review-Document Uploaded. - Seller-12/09/2022<br>| Resolved-withdrawal permission received. - Due Diligence Vendor-12/12/2022<br>|  |  | [redacted]_Distribution notice.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 755048 |
| XXXXXXX_2023-NQM1-1112 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1113 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1114 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1115 |  | A | Closed | FCOM4028 | 2022-12-02 07:49 | 2022-12-12 11:29 | Resolved | 1 - Information A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Missing evidence of Mortgage recording Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/06/2022 |  | Resolved-Missing evidence of Mortgage recording Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/06/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 755177 |
| XXXXXXX_2023-NQM1-1116 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1117 |  | B A | Closed | FCRE1493 | 2022-12-05 06:15 | 2022-12-05 06:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Found [redacted] in Pg 63 states Looking for exception for lack of tradelines, Borrower has one active tradeline that qualifies and few other but are past the mark overall excellent credit nd good appraisal with the SSR at 1.00<br> - Due Diligence Vendor-12/05/2022 |  | Waived-Found [redacted] in Pg 63 states Looking for exception for lack of tradelines, Borrower has one active tradeline that qualifies and few other but are past the mark overall excellent credit nd good appraisal with the SSR at 1.00<br> - Due Diligence Vendor-12/05/2022<br>|  | 10 years or more in same line of employment, No credit events past 48 months, Borrower contribution exceeds requirement >=5% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 756754 |
| XXXXXXX_2023-NQM1-1118 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1119 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1120 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1121 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1122 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1123 |  | B A | Closed | FCRE1194 | 2022-12-08 08:41 | 2022-12-15 08:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% Found exception on page no - 1. loan locked and approved LTV 80% FN - Due Diligence Vendor-12/08/2022 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% Found exception on page no - 1. loan locked and approved LTV 80% FN - Due Diligence Vendor-12/08/2022<br>|  | Several income sources and DTI below 45%, DTI >=10% lower than loan program, 2+ borrowers on the loan |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 763418 |
| XXXXXXX_2023-NQM1-1124 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1125 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1126 |  | B A | Closed | FCRE8955 | 2022-12-06 06:12 | 2022-12-06 06:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Loans to Borrower exceeds guidelines | Waived-Document Uploaded. Exception (page 177) Borrower has 8 loan with [redacted] that exceeds the maximum 5. Total loans do not exceed $5 million. Approved with conditions to +1 to price, 65% LTV max, DSCR >1. - Due Diligence Vendor-12/06/2022 |  | Waived-Document Uploaded. Exception (page 177) Borrower has 8 loan with [redacted] that exceeds the maximum 5. Total loans do not exceed $5 million. Approved with conditions to +1 to price, 65% LTV max, DSCR >1. - Due Diligence Vendor-12/06/2022<br>|  | Experienced Investor with 2+ investment properties, Credit score >40% than minimum required, CLTV 10% below maximum, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months | [redacted_EXCEPTION MAXIMUM LOANS.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 758634 |
| XXXXXXX_2023-NQM1-1127 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1128 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1129 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1130 |  | B A | Closed | FCRE1441 | 2022-12-13 04:43 | 2022-12-13 04:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Found [redacted] in pg 672 states 2x30, Borrower was on auto draft payments. Accountant changed billing situation with in and this was not updated. The borrower did keep payments up to date but the information already reported. - Due Diligence Vendor-12/13/2022 |  | Waived-Found [redacted] in pg 672 states 2x30, Borrower was on auto draft payments. Accountant changed billing situation with in and this was not updated. The borrower did keep payments up to date but the information already reported. - Due Diligence Vendor-12/13/2022<br>|  | Several income sources and DTI below 45%, Revolving debt is under 30%, Residual income >=$3000, 10 years or more in same line of employment, 5+ years credit history, No consumer late payments in last 48 months, Reserves>6 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 773755 |
| XXXXXXX_2023-NQM1-1131 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1132 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1133 |  | C A | Closed | FCRE1493 | 2022-12-08 03:46 | 2022-12-14 12:55 | Resolved | 1 - Information C A | Credit | Eligibility | Trade line count does not meet program requirements | Resolved-[redacted] Clears finding - Due Diligence Vendor-12/14/2022 <br> Open-We have two trade lines in credit report one is more than 24 months and one is more than 12 months hence its not meeting the trade line requirements. - Due Diligence Vendor-12/08/2022 |  | Resolved-XXXX #1778 XXXX Card and XXXX #101 Clears finding - Due Diligence Vendor-12/14/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 762617 |
| XXXXXXX_2023-NQM1-1134 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXXXXX_2023-NQM1-1135 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXXXXX_2023-NQM1-1136 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1137 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1138 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1139 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1140 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1141 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1142 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1143 |  | A | Closed | FCOM4028 | 2022-12-06 12:25 | 2022-12-12 11:32 | Resolved | 1 - Information A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/12/2022 <br>Ready for Review-The Mtg hasn't been recorded yet. It will be sent upon the receipt. - Seller-12/12/2022 <br>Open-Missing evidence of Mortgage recording unable to locate in file - Due Diligence Vendor-12/07/2022 | Ready for Review-The Mtg hasn't been recorded yet. It will be sent upon the receipt. - Seller-12/12/2022<br>| Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-12/12/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 759689 |
| XXXXXXX_2023-NQM1-1144 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1145 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1146 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXXXXX_2023-NQM1-1147 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1148 |  | D A | Closed | FCOM4227 | 2022-12-07 07:44 | 2022-12-13 15:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-provided initial CD - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. Apologies, uploaded incorrect CD, please see attached - Seller-12/12/2022 <br>Counter-This is the final CD. Need initial CD that was delivered electronically at least 3 days prior to close - Due Diligence Vendor-12/12/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-12/12/2022 <br>Open-cant run compliance without initial CD - Due Diligence Vendor-12/12/2022 <br>Open-Initial CD missing - Due Diligence Vendor-12/07/2022 | Ready for Review-Document Uploaded. Apologies, uploaded incorrect CD, please see attached - Seller-12/12/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-12/12/2022<br>| Resolved-provided initial CD - Due Diligence Vendor-12/13/2022<br>|  |  | ICD.pdf<br>ICD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 760850 |
| XXXXXXX_2023-NQM1-1149 |  | D A | Closed | finding-3890 | 2022-12-13 15:44 | 2022-12-13 15:46 | Resolved | 1 - Information C A | Compliance | ComplianceEase | GSE (Fannie Mae public guidelines) QM APR Test | Open-This loan failed the QM APR test. (Fannie Mae Lender Letter 2021-11)The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to Fannie Mae unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-12/13/2022 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 775796 |
| XXXXXXX_2023-NQM1-1150 |  | D A | Closed | FCRE1182 | 2022-12-07 07:40 | 2022-12-12 11:34 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-approval received. - Due Diligence Vendor-12/12/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-12/09/2022 <br>Open-Missing - Due Diligence Vendor-12/07/2022 | Ready for Review-Document Uploaded. see attached - Seller-12/09/2022<br>| Resolved-approval received. - Due Diligence Vendor-12/12/2022<br>|  |  | approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 760837 |
| XXXXXXX_2023-NQM1-1151 |  | D A | Closed | FCOM1477 | 2022-12-07 07:16 | 2022-12-12 11:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-lock received - Due Diligence Vendor-12/12/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-12/09/2022 <br>Open-Evidence of Rate Lock Missing and Occupancy status captured on the 1003 Page is 'Primary Residence'. missing - Due Diligence Vendor-12/07/2022 | Ready for Review-Document Uploaded. see attached - Seller-12/09/2022<br>| Resolved-lock received - Due Diligence Vendor-12/12/2022<br>|  |  | lock.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 760800 |
| XXXXXXX_2023-NQM1-1152 |  | D A | Closed | FCRE1345 | 2022-12-07 07:15 | 2022-12-11 06:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-lease in file now - Due Diligence Vendor-12/11/2022 <br>Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-12/11/2022 <br>Open-Borrower 1 Lease Agreements Missing Lease missing for XXXXXX - Due Diligence Vendor-12/07/2022 |  | Resolved-lease in file now - Due Diligence Vendor-12/11/2022 <br>Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-12/11/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 760798 |
| XXXXXXX_2023-NQM1-1153 |  | D A | Closed | FCRE1342 | 2022-12-07 07:15 | 2022-12-11 06:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-12/11/2022 <br>Resolved-received bank statements - Due Diligence Vendor-12/11/2022 <br>Ready for Review-This is a personal bank statement loan. We used XX 2020 to calculate income. The additional XX Savings accountXXX is also used toward cash to close/reserves. - Seller-12/09/2022 <br>Open-Borrower 1 Business Bank Statements Missing 12 mon personal bank statement missing - Due Diligence Vendor-12/07/2022 | Ready for Review-This is a personal bank statement loan. We used XX 2020 to calculate income. The additional XX Savings account 6897 is also used toward cash to close/reserves. - Seller-12/09/2022 | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-12/11/2022 <br>Resolved-received bank statements - Due Diligence Vendor-12/11/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 760797 |
| XXXXXXX_2023-NQM1-1154 |  | D A | Closed | FCOM4028 | 2022-12-07 05:25 | 2022-12-09 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Loan closed prior to 60 days - Due Diligence Vendor-12/09/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/07/2022 |  | Resolved-Loan closed prior to 60 days - Due Diligence Vendor-12/09/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 760588 |
| XXXXXXX_2023-NQM1-1155 |  | D B A | Closed | FCRE1326 | 2022-12-07 09:40 | 2022-12-13 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-12/13/2022 <br> Ready for Review-Document Uploaded. Please review uploaded P&L - Seller-12/12/2022 <br> Counter-Disagree- Guidelines are clear on this a PL is needed if tax returns are dated more than 60 days from closing. - Due Diligence Vendor-12/12/2022 <br> Ready for Review-A profit and loss statement is not required unless there is concerns regarding the income used to qualify. The business has been opened since 3/28/2012. There was an increase in K-1 income from 2020 to 2021 . - Seller-12/12/2022 <br> Counter-P&L is required per page 38 of guides A YTD P&L (Borrower prepared acceptable, borrower required to sign the P&L) if a gap exists between the tax return ending date and current year to date of more than 60 days. - Due Diligence Vendor-12/09/2022 <br> Ready for Review-Loan file is 2Y full doc P&L is not required - Seller-12/08/2022 <br> Open-Borrower 1 YTD Profit & Loss Missing No YTD 2022 P&L. Last income docs are 2021 1040s and 1120s. - Due Diligence Vendor-12/07/2022 | Ready for Review-Document Uploaded. Please review uploaded P&L - Seller-12/12/2022 <br>Ready for Review-A profit and loss statement is not required unless there is concerns regarding the income used to qualify. The business has been opened since 3/28/2012. There was an increase in K-1 income from 2020 to 2021 . - Seller-12/12/2022 <br>Ready for Review-Loan file is 2Y full doc P&L is not required - Seller-12/08/2022<br>| Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-12/13/2022<br>|  |  | [redacted_P&L.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 761081 |
| XXXXXXX_2023-NQM1-1156 |  | D B A | Closed | FVAL1039 | 2022-12-07 10:13 | 2022-12-09 13:07 | Resolved | 1 - Information D A | Property | Value | Appraised value unsupported | Resolved-Score is over 90 on AVM - Due Diligence Vendor-12/09/2022 <br>Ready for Review-Document Uploaded. we had also VEro Value in file-re-uploaded. - Seller-12/08/2022 <br>Open-VeroValue AVM outside of tolerance. Additional AVM form CA in file on page 1 but confidence level is 77. Page 50 email notes property value is difficult to determine and was declined for purchase by AD Credit Committee. - Due Diligence Vendor-12/07/2022 | Ready for Review-Document Uploaded. we had also VEro Value in file-re-uploaded. - Seller-12/08/2022<br>| Resolved-Score is over 90 on AVM - Due Diligence Vendor-12/09/2022<br>|  |  | [redacted_vero value.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 761144 |
| XXXXXXX_2023-NQM1-1157 |  | D B A | Closed | FPRO116 | 2022-12-07 10:40 | 2022-12-08 11:43 | Waived | 2 - Non-Material B | Property | Property | Other Property/Value Finding | Waived-Subject is a duplex condominium property type. Lender exception per page 970. - Due Diligence Vendor-12/07/2022 |  | Waived-Subject is a duplex condominium property type. Lender exception per page 970. - Due Diligence Vendor-12/07/2022<br>|  | Low DTI, Reserves > 6 months, Several Income sources. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 761210 |
| XXXXXXX_2023-NQM1-1158 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1159 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1160 |  | C A | Closed | FCOM5814 | 2022-12-08 16:28 | 2022-12-14 15:48 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-received proof - Due Diligence Vendor-12/14/2022 <br>Ready for Review-Document Uploaded. Approval uploaded. Please, review it. - Seller-12/14/2022 <br>Open-Provide evidence CD 12/05/2022 was sent electronically. - Due Diligence Vendor-12/08/2022 | Ready for Review-Document Uploaded. Approval uploaded. Please, review it. - Seller-12/14/2022<br>| Resolved-received proof - Due Diligence Vendor-12/14/2022<br>|  |  | [redacted_Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 765243 |
| XXXXXXX_2023-NQM1-1161 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1162 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1163 |  | B A | Closed | FCRE9068 | 2022-12-08 08:20 | 2022-12-08 08:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower does not meet residual income requirement | Waived-Fixed Income Bwr - Residual < $2,000 program minimum at $1,759. Lender Exception page 717 - Due Diligence Vendor-12/08/2022 |  | Waived-Fixed Income Bwr - Residual < $2,000 program minimum at $1,759. Lender Exception page 717 - Due Diligence Vendor-12/08/2022<br>|  | LTV and DTI > 10% below program minimums, No Credit Events past 48 months, No MTG lates last 24 months, Reserves > 6 mos. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 763318 |
| XXXXXXX_2023-NQM1-1164 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1165 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1166 |  | C A | Closed | FCRE1194 | 2022-12-09 09:40 | 2023-01-06 05:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-01/06/2023 <br>Resolved-Audited LTV of % is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-12/16/2022 <br>Resolved-Updated rate sheet provided. - Due Diligence Vendor-12/16/2022 <br>Counter-this rate sheet verifies that if DSCR score is less than 1 max LTV is 70% finding is valid. - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. Loan was locked 11/17/2022, according to Rate sheet from 11/17/2022 Max allowable LTV is 80%<br> Rate sheet uploaded - Seller-12/14/2022 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% As per 10/19/2022 rate sheet DSCR less than 1 Max allowable LTV is 70% only, but our audited LTV is exceeding the guideline LTV. - Due Diligence Vendor-12/09/2022 | Ready for Review-Document Uploaded. Loan was locked 11/17/2022, according to Rate sheet from 11/17/2022 Max allowable LTV is 80%<br> Rate sheet uploaded - Seller-12/14/2022<br>| Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-01/06/2023 <br>Resolved-Audited LTV of % is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-12/16/2022 <br>Resolved-Updated rate sheet provided. - Due Diligence Vendor-12/16/2022<br>|  |  | [redacted Base Ratesheet 11-17-2022.xlsx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 767133 |
| XXXXXXX_2023-NQM1-1167 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1168 |  | A | Closed | FCOM4028 | 2022-12-08 01:23 | 2023-01-04 14:51 | Resolved | 1 - Information A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/04/2023 <br>Rescinded-Missing evidence of Mortgage recording - Due Diligence Vendor-12/08/2022 |  | Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved. - Due Diligence Vendor-01/04/2023 <br>Rescinded-Missing evidence of Mortgage recording - Due Diligence Vendor-12/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 762432 |
| XXXXXXX_2023-NQM1-1169 |  | B A | Closed | FCRE9806 | 2022-12-08 03:32 | 2022-12-09 05:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding | Waived-Found Exception document on Page Number :81,Exception Type-Material: Title, Short Description-Master Flood missing Flood Zone AE on Policy, Comments-We have an email from insurance company confirming the flood zone. - Due Diligence Vendor-12/08/2022 |  | Waived-Found Exception document on Page Number :81,Exception Type-Material: Title, Short Description-Master Flood missing Flood Zone AE on Policy, Comments-We have an email from insurance company confirming the flood zone. - Due Diligence Vendor-12/08/2022<br>|  | Compensating Factors-Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, No consumer late<br> payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events<br> past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 762600 |
| XXXXXXX_2023-NQM1-1170 |  | B A | Closed | FCRE1194 | 2022-12-09 05:12 | 2022-12-09 05:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Found Exception on page #183 Need a limited review with 75% LTV instead of 70% This exception is curtail for the file. The borrower doesn't have enough assets for a full review. And she needs 75% LTV. If we cannot do that, the broker will have to go to another lender. Please review!! - Due Diligence Vendor-12/09/2022 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Found Exception on page #183 Need a limited review with 75% LTV instead of 70% This exception is curtail for the file. The borrower doesn't have enough assets for a full review. And she needs 75% LTV. If we cannot do that, the broker will have to go to another lender. Please review!! - Due Diligence Vendor-12/09/2022<br>|  | Compensating Factors-Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 766162 |
| XXXXXXX_2023-NQM1-1171 |  | B A | Closed | FCRE1196 | 2022-12-09 05:12 | 2022-12-09 05:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 75% exceeds Guideline HCLTV of 70% Found Exception on page #183 Need a limited review with 75% LTV instead of 70% This exception is curtail for the file. The borrower doesn't have enough assets for a full review. And she needs 75% LTV. If we cannot do that, the broker will have to go to another lender. Please review!! - Due Diligence Vendor-12/09/2022 |  | Waived-Audited HLTV of 75% exceeds Guideline HCLTV of 70% Found Exception on page #183 Need a limited review with 75% LTV instead of 70% This exception is curtail for the file. The borrower doesn't have enough assets for a full review. And she needs 75% LTV. If we cannot do that, the broker will have to go to another lender. Please review!! - Due Diligence Vendor-12/09/2022<br>|  | Compensating Factors-Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 766161 |
| XXXXXXX_2023-NQM1-1172 |  | B A | Closed | FCRE1195 | 2022-12-09 05:12 | 2022-12-09 05:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Found Exception on page #183 Exception Type LTV Need a limited review with 75% LTV instead of 70% This exception is curtail for the file. The borrower doesn't have enough assets for a full review. And she needs 75% LTV. If we cannot do that, the broker will have to go to another lender. Please review!! - Due Diligence Vendor-12/09/2022 |  | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Found Exception on page #183 Exception Type LTV Need a limited review with 75% LTV instead of 70% This exception is curtail for the file. The borrower doesn't have enough assets for a full review. And she needs 75% LTV. If we cannot do that, the broker will have to go to another lender. Please review!! - Due Diligence Vendor-12/09/2022<br>|  | Compensating Factors-Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 766160 |
| XXXXXXX_2023-NQM1-1173 |  | B A | Closed | FCRE1194 | 2022-12-07 09:51 | 2022-12-12 12:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% Exception found on page 197<br>Hi team, We submitted the file with 80% LTV. the appraisal came in lower than expected. <br> Approved with conditions +0.5 to price, 80% ltv, min 3Y PPP, DSCR>=0.8<br> - Due Diligence Vendor-12/07/2022 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 70% Exception found on page 197<br>Hi team, We submitted the file with 80% LTV. the appraisal came in lower than expected. <br> Approved with conditions +0.5 to price, 80% ltv, min 3Y PPP, DSCR>=0.8<br> - Due Diligence Vendor-12/07/2022<br>|  | No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months,<br> No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 761101 |
| XXXXXXX_2023-NQM1-1174 |  | B A | Closed | FVAL9739 | 2022-12-09 09:57 | 2022-12-09 09:57 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Found Exception on page #181 it states Material: Appraisal Appraisal is over 60 days prior to submission date<br> - Due Diligence Vendor-12/09/2022 |  | Waived-Found Exception on page #181 it states Material: Appraisal Appraisal is over 60 days prior to submission date<br> - Due Diligence Vendor-12/09/2022<br>|  | Credit score >40% than minimum required, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 767186 |
| XXXXXXX_2023-NQM1-1175 |  | C A | Closed | FCOM3571 | 2022-12-12 05:33 | 2022-12-14 15:49 | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | Resolved-seller signature now present. - Due Diligence Vendor-12/14/2022 <br>Ready for Review-Document Uploaded. Executed settlement statement provided - Seller-12/14/2022 <br>Open-HUD-1 Settlement Statement provided in this loan file (Page #121) is not executed by the property seller. - Due Diligence Vendor-12/12/2022 | Ready for Review-Document Uploaded. Executed settlement statement provided - Seller-12/14/2022<br>| Resolved-seller signature now present. - Due Diligence Vendor-12/14/2022<br>|  |  | [redacted]_Settlement statement.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 770571 |
| XXXXXXX_2023-NQM1-1176 |  | B A | Closed | FVAL9739 | 2022-12-09 21:15 | 2022-12-09 21:15 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Found [redacted] Exception from on page #453 stating: 2 unit Agricultural zone. Agricultural zoning, 2 unit. - Due Diligence Vendor-12/10/2022 |  | Waived-Found [redacted] Exception from on page #453 stating: 2 unit Agricultural zone. Agricultural zoning, 2 unit. - Due Diligence Vendor-12/10/2022<br>|  | Revolving debt is under 30%, 5 years on current job, No credit events past 48 months, No consumer late payments in last 48 months, Credit score >40% than minimum required, Borrower contribution exceeds requirement >=5%. |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 768556 |
| XXXXXXX_2023-NQM1-1177 |  | B A | Closed | FCRE9806 | 2022-12-09 11:52 | 2022-12-12 04:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Other Credit Finding | Waived-Found Exception document on page No:944 Exception Type-Material: Credit Short Description-borrower owns 100 % of the 2 units Comments-Borrower owns 100 % of the 2 units of recently converted condo. Went from a 2 unit home to condos.<br> - Due Diligence Vendor-12/09/2022 |  | Waived-Found Exception document on page No:944 Exception Type-Material: Credit Short Description-borrower owns 100 % of the 2 units Comments-Borrower owns 100 % of the 2 units of recently converted condo. Went from a 2 unit home to condos.<br> - Due Diligence Vendor-12/09/2022<br>|  | Compensating Factors-Revolving debt is under 30%, No credit events past 48 months, No mortgage late payments in last 24 months, Reserves>6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes | 767597 |
| XXXXXXX_2023-NQM1-1178 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1179 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1180 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1181 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1182 |  | B A | Closed | FCRE8611 | 2022-12-14 03:02 | 2022-12-14 13:14 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Found Exception on page #205 Exception states Material: Income use 1007 STR data for DSCR calculation New construction does not have STR income history, 1007 is STR calculated - Due Diligence Vendor-12/14/2022 |  | Waived-Found Exception on page #205 Exception states Material: Income use 1007 STR data for DSCR calculation New construction does not have STR income history, 1007 is STR calculated - Due Diligence Vendor-12/14/2022<br>|  | Reserves>6 months, Experienced investor with 2+ investment properties, Credit score >40% than minimum required, Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months Revolving debt is under 30%, 5 years on current job, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 776254 |
| XXXXXXX_2023-NQM1-1183 |  | B A | Closed | FVAL9739 | 2022-12-13 07:54 | 2022-12-13 07:54 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Found Exception on page #203 Exception states Requesting 80% LTV because appraisal indicates STR Requesting 80% LTV because appraisal indicates STR on 1007 - Due Diligence Vendor-12/13/2022 |  | Waived-Found Exception on page #203 Exception states Requesting 80% LTV because appraisal indicates STR Requesting 80% LTV because appraisal indicates STR on 1007 - Due Diligence Vendor-12/13/2022<br>|  | Reserves>6 months, Experienced investor with 2+ investment properties, Credit score >40% than minimum required, Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months, Other: specify below |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 774130 |
| XXXXXXX_2023-NQM1-1184 |  | B A | Closed | FCRE5774 | 2022-12-09 04:44 | 2022-12-09 04:44 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Waived-No SSN assigned. Non Perm resident with ITIN and F1 Visa permitted via page 1280 Exception - Due Diligence Vendor-12/09/2022 |  | Waived-No SSN assigned. Non Perm resident with ITIN and F1 Visa permitted via page 1280 Exception - Due Diligence Vendor-12/09/2022<br>|  | Revolving debt under 30%, DTI >10% below program maximum, No credit events past 48 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 766111 |
| XXXXXXX_2023-NQM1-1185 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1186 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1187 |  | C B A | Closed | finding-2559 | 2022-12-09 09:21 | 2022-12-15 09:31 | Resolved | 1 - Information C A | Compliance | Points & Fees | NY Subprime Home Loan Test | Resolved- - Due Diligence Vendor-12/15/2022 <br>Open-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. Applies to Cooperatives; Special consideration for FHA loans with case number assignment of June 3, 2013 or later. Carries assignee liability. - Due Diligence Vendor-12/09/2022 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 767005 |
| XXXXXXX_2023-NQM1-1188 |  | C B A | Closed | FCRE1197 | 2022-12-12 06:43 | 2022-12-12 06:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 679 is less than Guideline FICO of 680 Found Exception document on page No:126 Exception Type-Material: LTV<br> Short Description-one point short of 680 to 80 % LTV Comments-Purchase , needs 80 LTV, score 679, needs 680 for 80 % . No appraisal yet<br> - Due Diligence Vendor-12/12/2022 |  | Waived-Audited FICO of 679 is less than Guideline FICO of 680 Found Exception document on page No:126 Exception Type-Material: LTV<br> Short Description-one point short of 680 to 80 % LTV Comments-Purchase , needs 80 LTV, score 679, needs 680 for 80 % . No appraisal yet<br> - Due Diligence Vendor-12/12/2022<br>|  | Compensating Factors-Revolving debt is under 30%, 5 years on current job, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, Borrower contribution exceeds requirement >=5% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 770711 |
| XXXXXXX_2023-NQM1-1189 |  | B A | Closed | FCRE1200 | 2022-12-09 10:17 | 2022-12-09 10:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXXXXX is less than the Guideline Minimum Loan Amount of $100000 Found exception form on page NO 175.For the Audited Loan Amount of XXXXXXX is less than the Guideline Minimum Loan Amount of $100000. - Due Diligence Vendor-12/09/2022 |  | Waived-Audited Loan Amount of $91000 is less than the Guideline Minimum Loan Amount of $100000 Found exception form on page NO 175.For the Audited Loan Amount of $91000 is less than the Guideline Minimum Loan Amount of $100000. - Due Diligence Vendor-12/09/2022<br>|  | Reserves>6 months, Revolving debt is under 30%, 5+ years credit history |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 767257 |
| XXXXXXX_2023-NQM1-1190 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1191 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1192 |  | C A | Closed | FCRE1205 | 2022-12-08 14:36 | 2022-12-20 14:36 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/20/2022 <br>Resolved-OFAC clear - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Ready for Review-Document Uploaded. OFAC check complete. Please clear this condition, thank you - Seller-12/20/2022 <br>Open-OFAC Check Not Completed and/or Cleared - fraud report page 86 reflects and OFAC Fail and the credit report page 541 states that OFAC search was not performed. - Due Diligence Vendor-12/08/2022 | Ready for Review-Document Uploaded. - Seller-12/20/2022 <br>Ready for Review-Document Uploaded. OFAC check complete. Please clear this condition, thank you - Seller-12/20/2022<br>| Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/20/2022 <br>Resolved-OFAC clear - Due Diligence Vendor-12/20/2022<br>|  |  | OFAC [[redacted] cleared.docx<br> OFAC [[redacted] LU.docx | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 764851 |
| XXXXXXX_2023-NQM1-1193 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1194 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1195 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1196 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1197 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1198 |  | B A | Closed | FCRE1441 | 2022-12-14 16:14 | 2022-12-14 16:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Exception Type: Material: Credit<br> Short Description: pay off a balloon loan 30 days past due <br> Comments: As per UW exception required to pay off a balloon loan that is past 30 days of the maturity date due.<br>Exception form available on page no 352 - Due Diligence Vendor-12/14/2022 |  | Waived-Exception Type: Material: Credit<br> Short Description: pay off a balloon loan 30 days past due <br> Comments: As per UW exception required to pay off a balloon loan that is past 30 days of the maturity date due.<br>Exception form available on page no 352 - Due Diligence Vendor-12/14/2022<br>|  | CLTV 10% below maximum, No consumer late payments in last 48 months, No mortgage late payments in last 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 777634 |
| XXXXXXX_2023-NQM1-1199 |  | B A | Closed | FCRE1194 | 2022-12-12 12:57 | 2022-12-12 13:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception Type :Material: LTV--Requesting 80% LTV because appraisal indicates STR--Requesting 80% LTV because appraisal indicates STR on 1007<br> Exception form on page #916. - Due Diligence Vendor-12/12/2022 |  | Waived-Exception Type :Material: LTV--Requesting 80% LTV because appraisal indicates STR--Requesting 80% LTV because appraisal indicates STR on 1007<br> Exception form on page #916. - Due Diligence Vendor-12/12/2022<br>|  | Experienced investor with 2+ investment properties, Credit score >40% than minimum required, Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months, Other: specify below.  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 772096 |
| XXXXXXX_2023-NQM1-1200 |  | B A | Closed | FCRE8611 | 2022-12-12 13:01 | 2022-12-12 13:01 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception Type :Material: Income--Using 1007 income for STR--New construction does not have STR income history, 1007 is STR calculated, are we able to use<br> rental income from market rent on 1007?<br> Exception form on page #918<br> - Due Diligence Vendor-12/12/2022 |  | Waived-Exception Type :Material: Income--Using 1007 income for STR--New construction does not have STR income history, 1007 is STR calculated, are we able to use<br> rental income from market rent on 1007?<br> Exception form on page #918<br> - Due Diligence Vendor-12/12/2022<br>|  | Reserves>6 months, Experienced investor with 2+ investment properties, Credit score >40% than minimum required,<br> 2+ borrowers on the loan, Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit<br> history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 772124 |
| XXXXXXX_2023-NQM1-1201 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1202 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXXXXX_2023-NQM1-1203 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1204 |  | B A | Closed | FCRE1501 | 2022-12-14 00:50 | 2022-12-14 03:06 | Waived | 2 - Non-Material B | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Total Qualified Assets for Reserves Post-Close of $29185.6 is less than Total Required Reserve Amount of $32613.12 Found Exception form on page no 87 It states that 10 months of reserves,, borrower is a FN and the file is currently short on funds, and the borrower has provided bank statements showing all the available funds that is available. As of now if we change to 10 months of reserves - Due Diligence Vendor-12/14/2022 |  | Waived-Total Qualified Assets for Reserves Post-Close of $29185.6 is less than Total Required Reserve Amount of $32613.12 Found Exception form on page no 87 It states that 10 months of reserves,, borrower is a FN and the file is currently short on funds, and the borrower has provided bank statements showing all the available funds that is available. As of now if we change to 10 months of reserves - Due Diligence Vendor-12/14/2022<br>|  | Reserves>6 months, Borrower contribution exceeds requirement >=5%, CLTV 10% below maximum, Revolving debt is under 30%, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 776113 |
| XXXXXXX_2023-NQM1-1205 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1206 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1207 |  | B A | Closed | FCRE8611 | 2022-12-14 03:30 | 2022-12-14 03:31 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Found exception on page No:145 and 147 where page No:145 confirm the co-borrower's "[redacted]" income to be considered as a non W2 employee(Not self-employed) and the 2nd exception was a revised exception of page No:145 and ask us to consider income by taking an average of both the 2021 1099 and YTD earnings for "[redacted]" with [redacted] - Due Diligence Vendor-12/14/2022 |  | Waived-Found exception on page No:145 and 147 where page No:145 confirm the co-borrower's "XXXX" income to be considered as a non W2 employee(Not self-employed) and the 2nd exception was a revised exception of page No:145 and ask us to consider income by taking an average of both the 2021 1099 and YTD earnings for "XXX" with XXXXXXX. - Due Diligence Vendor-12/14/2022 |  | Compensating Factors: Several income sources and DTI below 45%, DTI>=10% lower than loan program, borrower contribution exceeds requirement>=5%, Reserves >6 Months.2+ borrowers on the loan, borrower contribution exceeds requirement >=5%, Reserves more than 6 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 776285 |
| XXXXXXX_2023-NQM1-1208 |  | B A | Closed | FVAL9739 | 2022-12-14 10:02 | 2022-12-14 10:06 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Found Exception form on page no. 343, states <500 sq ft living area.Per guidelines gross living area to be 500 sq ft, subject property is 417 sq ft. Good credit, low DTI <br> 12%, requesting to proceed. Thank you<br> - Due Diligence Vendor-12/14/2022 |  | Waived-Found Exception form on page no. 343, states <500 sq ft living area.Per guidelines gross living area to be 500 sq ft, subject property is 417 sq ft. Good credit, low DTI <br> 12%, requesting to proceed. Thank you<br> - Due Diligence Vendor-12/14/2022<br>|  | Revolving debt is under 30%, No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 776954 |
| XXXXXXX_2023-NQM1-1209 |  | C A | Closed | finding-2559 | 2022-12-14 07:59 | 2022-12-15 09:31 | Resolved | 1 - Information C A | Compliance | Points & Fees | NY Subprime Home Loan Test | Resolved- - Due Diligence Vendor-12/15/2022 <br>Open-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. Applies to Cooperatives; Special consideration for FHA loans with case number assignment of June 3, 2013 or later. Carries assignee liability. - Due Diligence Vendor-12/14/2022 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 776636 |
| XXXXXXX_2023-NQM1-1210 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1211 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1212 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1213 |  | D B A | Closed | FCOM4227 | 2022-12-13 13:50 | 2022-12-15 14:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-received - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. Please review uploaded LE's - Seller-12/15/2022 <br>Open-There are 2 COCs dated 11/22 and 11/30 Need the CD or LEs that go with these to run compliance - Due Diligence Vendor-12/13/2022 | Ready for Review-Document Uploaded. Please review uploaded LE's - Seller-12/15/2022<br>| Resolved-received - Due Diligence Vendor-12/15/2022<br>|  |  | [redacted]_LE 11-22.pdf<br> [redacted]_LE 11-30.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 775524 |
| XXXXXXX_2023-NQM1-1214 |  | D B A | Closed | FCOM9970 | 2022-12-13 13:47 | 2022-12-15 14:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-docs received and compliance passed - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. LE's,CD were uploaded to the conditions posted, compliance report uploaded. - Seller-12/15/2022 <br>Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Missing the Final CD to run compliance - Due Diligence Vendor-12/13/2022 | Ready for Review-Document Uploaded. LE's,CD were uploaded to the conditions posted, compliance report uploaded. - Seller-12/15/2022<br>| Resolved-docs received and compliance passed - Due Diligence Vendor-12/15/2022<br>|  |  | [redacted]_compliance report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 775508 |
| XXXXXXX_2023-NQM1-1215 |  | D B A | Closed | FCOM1544 | 2022-12-13 13:00 | 2022-12-15 14:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/15/2022 <br>Resolved-final CD Provided - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Document Uploaded. final CD uploaded - Seller-12/15/2022 <br>Open-TRID: Missing Final Closing Disclosure Final CD from 12/12 missing - Due Diligence Vendor-12/13/2022 | Ready for Review-Document Uploaded. final CD uploaded - Seller-12/15/2022<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/15/2022 <br>Resolved-final CD Provided - Due Diligence Vendor-12/15/2022<br>|  |  | [redacted]_final CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 775375 |
| XXXXXXX_2023-NQM1-1216 |  | D B A | Closed | FCRE8611 | 2022-12-13 13:48 | 2022-12-15 13:55 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived- - Due Diligence Vendor-12/15/2022 <br>Ready for Review-Exception was provided in file. - Seller-12/14/2022 <br>Waived-Material: NSF<br> Short Description<br> 7/13, 6/17, 4/1, 4/27, 3/31, 2/25, 12/7, 11/15 - Due Diligence Vendor-12/13/2022 | Ready for Review-Exception was provided in file. - Seller-12/14/2022<br>| Waived-Material: NSF<br> Short Description<br> 7/13, 6/17, 4/1, 4/27, 3/31, 2/25, 12/7, 11/15 - Due Diligence Vendor-12/13/2022<br>|  | Revolving debt is under 30%, 5 years on current job, 10 years or more in same line of employment, No mortgage late<br> payments in last 24 months<br> page 513 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | 775519 |
| XXXXXXX_2023-NQM1-1217 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1218 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXXXXX_2023-NQM1-1219 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |
| XXXXXXX_2023-NQM1-1220 |  | D A | Closed | FCOM1512 | 2022-12-19 05:33 | 2022-12-27 08:50 | Resolved | 1 - Information C A | Compliance | State Reg | Texas Home Equity loan and No Texas F2 disclosure present or only partially present. | Resolved-disclosure now present. - Due Diligence Vendor-12/27/2022 <br>Ready for Review-Document Uploaded. Please see uploaded document - Seller-12/22/2022 <br>Counter-Wrong disclosure. We are looking for the Texas F2 disclosure called Notice Concerning Refinance of Existing Home Equity - this is to be signed 12 days prior to closing. - Due Diligence Vendor-12/21/2022 <br>Ready for Review-Document Uploaded. Please see uploaded TX disclosure,Texas Home Equity was provided in signed closing docs ,Affidavit also uploaded. - Seller-12/21/2022 <br>Open-Texas Home Equity loan and Texas F2 disclosure must be fully present. - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. Please see uploaded document - Seller-12/22/2022 <br>Ready for Review-Document Uploaded. Please see uploaded TX disclosure,Texas Home Equity was provided in signed closing docs ,Affidavit also uploaded. - Seller-12/21/2022<br>| Resolved-disclosure now present. - Due Diligence Vendor-12/27/2022<br>|  |  | [redacted]_TX affidavit.pdf<br> [redacted]_TX disclosure.pdf<br> [redacted]_NOTICE CONCERNING REFINANCE OF EXISTING HOME EQUITY LOAN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 781849 |
| XXXXXXX_2023-NQM1-1221 |  | D A | Closed | FCOM1514 | 2022-12-19 05:33 | 2022-12-27 08:48 | Resolved | 1 - Information C A | Compliance | State Reg | Texas Home Equity loan and No Notice Concerning Extension of Credit disclosure present or only partially present. | Resolved-received. - Due Diligence Vendor-12/27/2022 <br>Ready for Review-Document Uploaded. - Seller-12/22/2022 <br>Counter-This is not the same disclosure. The disclosure is called the Notice Concerning Extensins of Credit Defined by Section 50(a)(6), Article XVI - this is a credit score disclosure - Due Diligence Vendor-12/21/2022 <br>Ready for Review-Document Uploaded. Please see uploaded document - Seller-12/21/2022 <br>Open- Notice Concerning Extension of Credit disclosure must be present. - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. - Seller-12/22/2022 <br>Ready for Review-Document Uploaded. Please see uploaded document - Seller-12/21/2022<br>| Resolved-received. - Due Diligence Vendor-12/27/2022<br>|  | form uploaded. | [redacted]_credit disclosure.pdf<br> [redacted]_Notice NOTICE CONCERNING EXTENSIONS OF CREDIT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 781847 |
| XXXXXXX_2023-NQM1-1222 |  | D A | Closed | FCOM1517 | 2022-12-19 06:00 | 2022-12-27 08:48 | Resolved | 1 - Information C A | Compliance | State Reg | Texas Home Equity loan and No Acknowledgement of Fair Market Value disclosure present or only partially present. | Resolved-lender signed copy received. - Due Diligence Vendor-12/27/2022 <br>Ready for Review-Document Uploaded. Please see the signed docs by lender. - Seller-12/22/2022 <br>Open-LEnder didnt sign - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. Please see the signed docs by lender. - Seller-12/22/2022<br>| Resolved-lender signed copy received. - Due Diligence Vendor-12/27/2022<br>|  |  | [redacted]_signed by lender doc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 781884 |
| XXXXXXX_2023-NQM1-1223 |  | D A | Closed | FCOM4028 | 2022-12-19 05:14 | 2022-12-21 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-recorded mortgage received. - Due Diligence Vendor-12/21/2022 <br>Ready for Review-Document Uploaded. Recorded mortgage and final title policy are uploaded - Seller-12/21/2022 <br>Open-Missing evidence of Mortgage recording - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. Recorded mortgage and final title policy are uploaded - Seller-12/21/2022<br>| Resolved-recorded mortgage received. - Due Diligence Vendor-12/21/2022<br>|  |  | [redacted]_recorded mortgage and final title policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 781830 |
| XXXXXXX_2023-NQM1-1224 |  | D A | Closed | FCOM9970 | 2022-12-19 05:59 | 2022-12-21 15:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-received and compliance ran - Due Diligence Vendor-12/21/2022 <br>Ready for Review-Document Uploaded. compliance report uploaded - Seller-12/21/2022 <br>Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. The Initial LE is missing and Housing Counselor Disclosure from 8/5/2020 - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. compliance report uploaded - Seller-12/21/2022<br>| Resolved-received and compliance ran - Due Diligence Vendor-12/21/2022<br>|  |  | [redacted]_compliance report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 781883 |
| XXXXXXX_2023-NQM1-1225 |  | D A | Closed | FCOM1266 | 2022-12-19 05:33 | 2022-12-21 14:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-within 3 bus days not counting Saturday - Due Diligence Vendor-12/21/2022 <br>Ready for Review-Document Uploaded. Please refer to page 29-34 of uploaded initial disclosure package - Seller-12/21/2022 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. Please refer to page 29-34 of uploaded initial disclosure package - Seller-12/21/2022<br>| Resolved-within 3 bus days not counting Saturday - Due Diligence Vendor-12/21/2022<br>|  |  | [redacted]_initial disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 781846 |
| XXXXXXX_2023-NQM1-1226 |  | D A | Closed | FCRE1501 | 2022-12-19 05:54 | 2022-12-21 14:53 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $35175.22 is equal to or greater than Total Required Reserve Amount of $3279.48 - Due Diligence Vendor-12/21/2022 <br>Resolved-using older guides that allowed for cash out to be used as reserves. - Due Diligence Vendor-12/21/2022 <br>Ready for Review-file was closed in 2021 and per guide lines from 2021 cash from closing was allowed to be used for reserves. Per final CD borrower was receiving cash from closing - the covers 3 months reserves requirements. - Seller-12/21/2022 <br>Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $3279.48 no reserves. Loan closed under FNMA but is now a Super Prime. missing 2 months assets to cover 60 days reserves - Due Diligence Vendor-12/19/2022 | Ready for Review-file was closed in 2021 and per guide lines from 2021 cash from closing was allowed to be used for reserves. Per final CD borrower was receiving cash from closing - the covers 3 months reserves requirements. - Seller-12/21/2022<br>| Resolved-Total Qualified Assets for Reserves Post-Close of $35175.22 is equal to or greater than Total Required Reserve Amount of $3279.48 - Due Diligence Vendor-12/21/2022 <br>Resolved-using older guides that allowed for cash out to be used as reserves. - Due Diligence Vendor-12/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 781864 |
| XXXXXXX_2023-NQM1-1227 |  | D A | Closed | FCRE1182 | 2022-12-19 05:57 | 2022-12-21 14:52 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-provided. - Due Diligence Vendor-12/21/2022 <br>Ready for Review-Document Uploaded. Approval uploaded. - Seller-12/21/2022 <br>Open-Missing Approval/Underwriting Summary Updated approval for Super Prime program missing - Due Diligence Vendor-12/19/2022 | Ready for Review-Document Uploaded. Approval uploaded. - Seller-12/21/2022<br>| Resolved-provided. - Due Diligence Vendor-12/21/2022<br>|  |  | [redacted]_underwriting approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 781870 |

---

## Exhibit 99.5

[Imperial Fund Mortgage Trust 2023-NQM1 ABS-15G](admortgage-abs15g_012323.htm)

**Exhibit 99.5**

![](logo-mission.jpg)

**Data Compare Summary**

**2023-NQM1_Imperial Fund II_FINAL**

**Run Date - 1/18/2023 10:45:00 AM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **Comments** |
| Borrower First Name | 122 | 779 | 15.66% | All variances were spelling differences in the tape vs on the note. |
| Borrower Last Name | 61 | 779 | 7.83% | All variances were spelling differences in the tape vs on the note. |
| Coborrower First Name | 19 | 115 | 16.52% | All variances were spelling differences in the tape vs on the note. |
| Coborrower Last Name | 3 | 115 | 2.61% |  |
| # of Units | 9 | 775 | 1.16% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all 5 variances. |
| Contract Sales Price | 9 | 734 | 1.23% | Mission noted that in all but two of the instances these were due to decimal points. In the two instances where there was a difference it was due to an contract amendment change before closing. |
| Debt Service Coverage Ratio | 280 | 770 | 36.36% | All variances are the result of rounding differences or variances in captured borrower debt calculations. We used debts from the credit report that may be different than what was known at the time of underwriting and origination. Mission verified all variances and verified DSCR calculations met Guidelines. |
| Borrower Qualifying FICO | 7 | 779 | 0.90% | All variances were the result of rounding differences or other slight variations in what was captured from the credit reports. Mission verified all captured FICO scores met Guidelines. |
| Borrower Total Income | 74 | 773 | 9.57% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified Borrower total Income reported. |
| Occupancy | 0 | 777 | 0.00% |  |
| First Payment Date | 74 | 775 | 9.55% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified dates from the Promissory note. |
| Primary Appraised Value for LTV | 0 | 779 | 0.00% |  |
| Note Date | 38 | 637 | 5.97% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified dates from the Promissory note. |
| Original Note Interest Rate | 26 | 777 | 3.35% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified dates from the Promissory note. |
| Original Loan Amount | 14 | 778 | 1.80% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified dates from the Promissory note. |
| Loan Program | 44 | 322 | 13.66% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified programs from the Loan approval. |
| Original LTV | 0 | 779 | 0.00% |  |
| Original P&I | 69 | 775 | 8.90% | The Lender provided a different tape from their new LOS system and this field is not yet present for compare purposes. This accounted for all variances. In all cases Mission verified dates from the Promissory note. |
| Property Type | 39 | 740 | 5.27% | Property Type variations were a result of enumeration differences between the client bid tape and ASF property types designations. Primarily these are differences in Condo or attached family designations. Mission verified in each case that the property type met guideline requirements. |
| Purpose | 1 | 774 | 0.13% |  |
| Refi Purpose | 30 | 244 | 12.30% | Property Type variations were a result of enumeration differences between the client bid tape and ASF property types designations. Mission verified in each case that the property type met guideline requirements. |
| Street | 74 | 777 | 9.52% | All variances were spelling differences in the tape vs on the note. |
| City | 29 | 777 | 3.73% | All variances were spelling differences in the tape vs on the note. |
| State | 1 | 777 | 0.13% |  |
| Zip | 19 | 777 | 2.45% | All variances were spelling differences in the tape vs on the note. |

---

## Exhibit 99.6

[Imperial Fund Mortgage Trust 2023-NQM1 ABS-15G](admortgage-abs15g_012323.htm)

**Exhibit 99.6**

![](ex996001.jpg)

**EXECUTIVE SUMMARY**<br> **THIRD PARTY DUE DILIGENCE REVIEW**

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third party due diligence provider, performed the review described below on behalf of its client, ("A&D Mortgage LLC"). The review included a total of 195 newly originated, QM/ATR Exempt and Non-QM residential mortgage loans, in connection with the securitization identified as ("IMPRL 2023-NQM1") (the "Securitization"). The review began on August 16, 2022 and concluded on December 30, 2022.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions have been satisfied prior
 to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of DSCR calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red
 Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's
 investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
employment and income by analyzing income documents and comparing against re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts
 (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
 Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
 Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing
Employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Lease
Agreements and Market rent, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
 funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
 funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate
 in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient
 Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, Service Provider will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated based on the applicable investor guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Service
Provider will review applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's
originator designation of QM, Non-QM, or exempt from ATR. (Service Provider determines the mortgage loan's status under
the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Service Provider notes as a
material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally,
Service Provider notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Service
Provider utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal
Presumption and ATR Designations: ATR Compliant, ATR Exempt and ATR Fail.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
a mortgage loan was designated as QM, Service Provider reviews the mortgage loan to determine whether, based on available information
in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For
each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, Service Provider then determines
whether the mortgage loan complies with the ATR rule consideration and verification requirements, as defined within the applicable
underwriting guidelines, and provides a due diligence designation of Non-QM indicating compliant, ATR risk indicating it may not
be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Service
Provider reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor
considered, as applicable, the following eight underwriting factors, and will verify such information using reasonably reliable
third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
/ Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required to close and required reserves, to
Confirm that the borrower has current or reasonably expected income or assets (other than the value of the property that secures
the Loan) that the borrower will rely on to repay the Loan.

● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
- Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used to calculate projected monthly mortgage
payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI") calculation, to properly
assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
Obligations - Validate that the subject Loan monthly payment calculation includes principle, interest, taxes, and insurance ("PITI"),
as well as other costs related to the property such as homeowners' association ("HOA") fees, private mortgage
insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
/ Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
/ Residual Income - Validate debt-to-income ratio (DTI), or "residual income," based upon all mortgage and non-mortgage
obligations, calculated as a ratio of gross monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. DSCR
– review of Rental Income and / or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Credit
History - Review credit report for credit history and required credit depth, including any / all inquiries, and Determine a representative
credit score from the credit report

 **Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

MaxDiligence performed a "Valuation Review," which included the following:

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

be identified with the condition of the property, MaxDiligence will alert Client.

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
valuation products (AVM's, CDA's and Field reviews) were obtained to confirm the value was supported within 10% tolerance.
This population was obtained by the client and ordered by MaxDiligence.

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

**Data Discrepancy**

As part of the Credit and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.51% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.03% |
| &nbsp;&nbsp;B1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.51% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;4.10% |
| &nbsp;&nbsp;Initial Monthly PI or IO Payment | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.08% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;5.64% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.54% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;95 | &nbsp;&nbsp;48.72% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.03% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;17 | &nbsp;&nbsp;8.72% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.51% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | Loan Count | &nbsp;&nbsp;&nbsp; Original Principal Balance | Percent of<br> Sample |
| &nbsp;&nbsp;Event Grade A | 131 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;45416521.00 | 67.18% |
| &nbsp;&nbsp;Event Grade B | 64 | $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;19531392.00 | 32.82% |
| &nbsp;&nbsp;Event Grade C | 0 | $- | 0.00% |
| &nbsp;&nbsp;Event Grade D | 0 | $- | 0.00% |
| &nbsp;&nbsp;**Total Sample** | 195 | $&nbsp;&nbsp;&nbsp;&nbsp;64947913.00 | 100.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | Loan Count | &nbsp;&nbsp;&nbsp; Original Principal Balance | Percent of<br> Sample |
| &nbsp;&nbsp;Event Grade A | 139 | $48486700.00 | 71.28% |
| &nbsp;&nbsp;Event Grade B | 56 | $16461213.00 | 28.72% |
| &nbsp;&nbsp;Event Grade C | 0 | $- | 0.00% |
| &nbsp;&nbsp;Event Grade D | 0 | $- | 0.00% |
| &nbsp;&nbsp;**Total Sample** | 195 | $64947913.00 | 100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | Loan Count | &nbsp;&nbsp;&nbsp; Original Principal Balance | Percent of<br> Sample |
| &nbsp;&nbsp;Event Grade A | 195 | $64947913.00 | 100.00% |
| &nbsp;&nbsp;Event Grade B | 0 | $- | 0.00% |
| &nbsp;&nbsp;Event Grade C | 0 | $- | 0.00% |
| &nbsp;&nbsp;Event Grade D | 0 | $- | 0.00% |
| &nbsp;&nbsp;**Total Sample** | 195 | $64947913.00 | 100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | Loan Count | &nbsp;&nbsp;&nbsp; Original Principal Balance | Percent of<br> Sample |
| &nbsp;&nbsp;Event Grade A | 185 | $61686534.00 | 94.87% |
| &nbsp;&nbsp;Event Grade B | 10 | $3261379.00 | 5.13% |
| &nbsp;&nbsp;Event Grade C | 0 | $- | 0.00% |
| &nbsp;&nbsp;Event Grade D | 0 | $- | 0.00% |
| &nbsp;&nbsp;**Total Sample** | 195 | $64947913.00 | 100.00% |

---

**Event Grade Definitions:**

---

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

---

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

---

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

---

---

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

---

---

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

---

## Exhibit 99.7

[Imperial Fund Mortgage Trust 2023-NQM1 ABS-15G](admortgage-abs15g_012323.htm)

**Exhibit 99.7**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 1006337 |  |  | XXXX C A |
| 1006120 |  |  | XXXX C A |
| 1007352 |  |  | XXXX D A |
| 1007443 |  |  | XXXX A |
| 1007512 |  |  | XXXX C A |
| 1006363 |  |  | XXXX B A |
| 1006917 |  |  | XXXX A |
| 1005922 |  |  | XXXX D A |
| 1007559 |  |  | XXXX A |
| 1007232 |  |  | XXXX A |
| 1005861 |  |  | XXXX B A |
| 1006639 |  |  | XXXX A |
| 1007103 |  |  | XXXX B A C |
| 1007387 |  |  | XXXX A |
| 1007688 |  |  | XXXX A |
| 1007830 |  |  | XXXX B A |
| 1007263 |  |  | XXXX A |
| 1006583 |  |  | XXXX A |
| 1007011 |  |  | XXXX C A |
| 1007678 |  |  | XXXX B A |
| 1007763 |  |  | XXXX A |
| 1008231 |  |  | XXXX A |
| 1010845 |  |  | XXXX C A D B |
| 1008197 |  |  | XXXX A |
| 1008232 |  |  | XXXX A |
| 1006845 |  |  | XXXX B A |
| 1008096 |  |  | XXXX A |
| 1006549 |  |  | XXXX A |
| 1011113 |  |  | XXXX C A |
| 1007274 |  |  | XXXX C A B |
| 1011188 |  |  | XXXX A C |
| 1005313 |  |  | XXXX A |
| 1008024 |  |  | XXXX A |
| 1011073 |  |  | XXXX C D A B |
| 1011101 |  |  | XXXX B A |
| 1011488 |  |  | XXXX A |
| 1011084 |  |  | XXXX B A |
| 1011263 |  |  | XXXX A |
| 1010966 |  |  | XXXX A |
| 1018624 |  |  | XXXX A C |
| 1011024 |  |  | XXXX C A B |
| 1013918 |  |  | XXXX B A |
| 1011148 |  |  | XXXX C A |
| 1027853 |  |  | XXXX C A |
| 1011489 |  |  | XXXX A |
| 1011534 |  |  | XXXX B A |
| 1027984 |  |  | XXXX A |
| 1010897 |  |  | XXXX A |
| 1007855 |  |  | XXXX C A B |
| 1011259 |  |  | XXXX A |
| 1015256 |  |  | XXXX A |
| 1011506 |  |  | XXXX C A B |
| 1011508 |  |  | XXXX C A B |
| 1030919 |  |  | XXXX A |
| 1011398 |  |  | XXXX A |
| 1024837 |  |  | XXXX A |
| 1011033 |  |  | XXXX A |
| 1031014 |  |  | XXXX A |
| 1031374 |  |  | XXXX C A B |
| 1010816 |  |  | XXXX C A |
| 1018609 |  |  | XXXX A |
| 1011294 |  |  | XXXX C A |
| 1007333 |  |  | XXXX B A |
| 1011521 |  |  | XXXX C A B |
| 1012825 |  |  | XXXX C A |
| 1027858 |  |  | XXXX C A |
| 1030995 |  |  | XXXX A C |
| 1027950 |  |  | XXXX A C |
| 1024836 |  |  | XXXX C A B |
| 1011290 |  |  | XXXX A |
| 1018095 |  |  | XXXX A |
| 1031975 |  |  | XXXX C A |
| 1011443 |  |  | XXXX A |
| 1010945 |  |  | XXXX B A C |
| 1031007 |  |  | XXXX A |
| 1031201 |  |  | XXXX C A |
| 1031091 |  |  | XXXX C A B |
| 1030977 |  |  | XXXX C A B |
| 1031215 |  |  | XXXX B A |
| 1012845 |  |  | XXXX C A B |
| 1015242 |  |  | XXXX A |
| 1030990 |  |  | XXXX A C B |
| 1032116 |  |  | XXXX A B |
| 1032088 |  |  | XXXX A |
| 1011298 |  |  | XXXX C A B |
| 1031448 |  |  | XXXX C A |
| 1030905 |  |  | XXXX A |
| 1006303 |  |  | XXXX A |
| 1006304 |  |  | XXXX A |
| 1011280 |  |  | XXXX C A B |
| 1038250 |  |  | XXXX C A |
| 1007908 |  |  | XXXX A |
| 1015572 |  |  | XXXX A |
| 1030963 |  |  | XXXX A |
| 1030971 |  |  | XXXX A |
| 1011282 |  |  | XXXX A |
| 1024827 |  |  | XXXX A |
| 1031200 |  |  | XXXX C A |
| 1031301 |  |  | XXXX C A |
| 1031743 |  |  | XXXX C A |
| 1031805 |  |  | XXXX A |
| 1011676 |  |  | XXXX C A B |
| 1018620 |  |  | XXXX C A B |
| 1018629 |  |  | XXXX C A B |
| 1030916 |  |  | XXXX B A |
| 1031746 |  |  | XXXX C A |
| 1032050 |  |  | XXXX C A |
| 1030968 |  |  | XXXX B A |
| 1031281 |  |  | XXXX C A |
| 1038430 |  |  | XXXX C A B |
| 1011516 |  |  | XXXX C A B |
| 1011638 |  |  | XXXX A |
| 1018628 |  |  | XXXX B A |
| 1031420 |  |  | XXXX A |
| 1031924 |  |  | XXXX C A |
| 1036885 |  |  | XXXX A B |
| 1038427 |  |  | XXXX A |
| 1038305 |  |  | XXXX C A |
| 1035130 |  |  | XXXX C A |
| 1031340 |  |  | XXXX B A |
| 1031457 |  |  | XXXX C A |
| 1024819 |  |  | XXXX C A |
| 1030864 |  |  | XXXX C A B |
| 1031966 |  |  | XXXX C A |
| 1038368 |  |  | XXXX A |
| 1038476 |  |  | XXXX C A B |
| 1038284 |  |  | XXXX A |
| 1038698 |  |  | XXXX A C |
| 1036903 |  |  | XXXX A |
| 1027937 |  |  | XXXX A C B |
| 1009396 |  |  | XXXX C A B |
| 1030978 |  |  | XXXX C A |
| 1031384 |  |  | XXXX A |
| 1007301 |  |  | XXXX C A |
| 1006958 |  |  | XXXX C A B |
| 1030992 |  |  | XXXX A |
| 1032000 |  |  | XXXX A B |
| 1038320 |  |  | XXXX C A |
| 1032030 |  |  | XXXX C A |
| 1038534 |  |  | XXXX A |
| 1021667 |  |  | XXXX A |
| 1031447 |  |  | XXXX B A |
| 1039200 |  |  | XXXX A |
| 1030946 |  |  | XXXX B A |
| 1038426 |  |  | XXXX B A |
| 1038702 |  |  | XXXX A |
| 1039093 |  |  | XXXX A |
| 1039108 |  |  | XXXX A |
| 1038610 |  |  | XXXX A |
| 1013931 |  |  | XXXX B A |
| 1013932 |  |  | XXXX B A |
| 1031778 |  |  | XXXX A |
| 1039011 |  |  | XXXX A |
| 1039135 |  |  | XXXX B A |
| 1010887 |  |  | XXXX C A |
| 1027866 |  |  | XXXX A |
| 1039311 |  |  | XXXX A |
| 1039400 |  |  | XXXX A |
| 1039491 |  |  | XXXX B A |
| 1038697 |  |  | XXXX C A |
| 1039458 |  |  | XXXX A |
| 1039216 |  |  | XXXX B A |
| 1039199 |  |  | XXXX A B |
| 1038837 |  |  | XXXX A |
| 1031391 |  |  | XXXX B A |
| 1032046 |  |  | XXXX A |
| 1039341 |  |  | XXXX A D |
| 1039415 |  |  | XXXX B A |
| 1031400 |  |  | XXXX A |
| 1038668 |  |  | XXXX A |
| 1039379 |  |  | XXXX A |
| 1039718 |  |  | XXXX A |
| 1038785 |  |  | XXXX A |
| 1039408 |  |  | XXXX B A |
| 1039134 |  |  | XXXX A |
| 1011125 |  |  | XXXX D A |
| 1031456 |  |  | XXXX B A |
| 1032076 |  |  | XXXX B A |
| 1039307 |  |  | XXXX B A |
| 1038696 |  |  | XXXX A |
| 1039303 |  |  | XXXX B A C |
| 1039675 |  |  | XXXX A |
| 1038749 |  |  | XXXX C A B |
| 1038978 |  |  | XXXX A |
| 1039775 |  |  | XXXX A |
| 7065868 |  |  | XXXX A C B |
| 1039597 |  |  | XXXX A |
| 1039620 |  |  | XXXX A |
| 1039214 |  |  | XXXX B A |
| 1039782 |  |  | XXXX A |
| 1031997 |  |  | XXXX B A |
| 1038542 |  |  | XXXX A |
| 1040056 |  |  | XXXX A |
| 1038677 |  |  | XXXX A |
| 1039972 |  |  | XXXX A |

---

## Exhibit 99.8

[Imperial Fund Mortgage Trust 2023-NQM1 ABS-15G](admortgage-abs15g_012323.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?** |
| 1006337 |  | C A | Closed | FCRE1148 | 2022-08-18 09:16 | 2022-08-25 08:04 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Documentation provided was sufficient. - Due Diligence Vendor-08/25/2022 <br> Ready for Review-Document Uploaded. - Seller-08/24/2022 <br> Open-Title coverage amount of $XXXX is less than total amount of subject lien(s) of $XXXX The amount of title insurance verified in the loan file is not sufficient to cover the loan amount. The amount covered is missing from the Title Commitment.. - Due Diligence Vendor-08/18/2022 | Ready for Review-Document Uploaded. - Seller-08/24/2022<br>| Resolved-Documentation provided was sufficient. - Due Diligence Vendor-08/25/2022<br>|  |  | 1006337_title comm.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1006337 |  | C A | Closed | FPRO8018 | 2022-08-18 10:11 | 2022-08-18 10:11 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/18/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/18/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1006337 |  | C A | Closed | FCOM7273 | 2022-08-17 14:48 | 2022-08-17 15:19 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1006120 |  | C A | Closed | finding-3634 | 2022-08-22 13:15 | 2022-09-01 10:35 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Documentation provided was sufficient. - Due Diligence Vendor-09/01/2022 <br>Ready for Review-Document Uploaded. COC uploaded. Please, review it. - Seller-09/01/2022 <br>Open-Compliance fail due to increase in Loan Discount Points posted on Closing Disclosure dated 08/17/2022 in the amount of $1,115.50, without a valid Change in Circumstance in the loan file. - Due Diligence Vendor-08/22/2022 | Ready for Review-Document Uploaded. COC uploaded. Please, review it. - Seller-09/01/2022<br>| Resolved-Documentation provided was sufficient. - Due Diligence Vendor-09/01/2022<br>|  |  | CD COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1006120 |  | C A | Closed | FCRE1342 | 2022-08-23 15:00 | 2022-08-29 10:33 | Resolved | 1 - Information A | Credit | Income Documentation | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-08/29/2022 <br>Rescinded-Borrower 1 Business Bank Statements missing from the file. Please provide the additional 12 months' bank statements for XXXX. With the current statements provided, the income is only $5,833.81 monthly. Per the loan approval, the monthly income is $11,094.42. - Due Diligence Vendor-08/23/2022 |  | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-08/29/2022 <br> Rescinded-Borrower 1 Business Bank Statements missing from the file. Please provide the additional 12 months' bank statements for XXXX Homes. With the current statements provided, the income is only $5,833.81 monthly. Per the loan approval, the monthly income is $11,094.42. - Due Diligence Vendor-08/23/2022 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1006120 |  | C A | Closed | FCRE1964 | 2022-08-24 13:08 | 2022-08-29 10:32 | Resolved | 1 - Information C A | Credit | Income Documentation | Income - Income Documentation Missing | Resolved-Documentation provided was sufficient. - Due Diligence Vendor-08/29/2022 <br> Ready for Review-Document Uploaded. - Seller-08/26/2022 <br> Open-The loan file did not contain the required income documentation. Per loan approval, the monthly income is $11,094.42. Bank statements for XXXX only income total is $5,833.81 monthly. Personal bank statement are included in file. Due to missing income calculation, review unable to determine which bank statements were used in the loan decision. Personal Statements indicate higher deposits than business statements and no explanation or documentation provided to source additional income. - Due Diligence Vendor-08/24/2022 | Ready for Review-Document Uploaded. - Seller-08/26/2022<br>| Resolved-Documentation provided was sufficient. - Due Diligence Vendor-08/29/2022<br>|  |  | 1006120_income calc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1006120 |  | C A | Closed | FPRO8018 | 2022-08-23 12:31 | 2022-08-23 12:31 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/23/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/23/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1007352 |  | D A | Closed | FCRE5782 | 2022-08-25 08:23 | 2022-08-30 12:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Documentation provided was sufficient. - Due Diligence Vendor-08/30/2022 <br> Ready for Review-Document Uploaded. Hereby, I attach the latest inquiries made by the borrower. Moreover, there is a Letter of Explanation for 2 of these trades in the merged document (page 541 of the document 1007352_XXXX.pdf). It states that there were no new credits established. Please, let me know if anything else is needed. Thank you! - Seller-08/30/2022 <br> Open-Borrower 1 Gap Credit Report is Missing Original Credit Report dated 07/05/2022 and Note date 08/19/2022 is >30 days. Gap credit report is needed. - Due Diligence Vendor-08/25/2022 | Ready for Review-Document Uploaded. Hereby, I attach the latest inquiries made by the borrower. Moreover, there is a Letter of Explanation for 2 of these trades in the merged document (page 541 of the document 1007352_XXXX.pdf). It states that there were no new credits established. Please, let me know if anything else is needed. Thank you! - Seller-08/30/2022 | Resolved-Documentation provided was sufficient. - Due Diligence Vendor-08/30/2022<br>|  |  | 1007352_Credit inquiries 8-15 and 8-11.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1007352 |  | D A | Closed | FPRO8018 | 2022-08-24 13:02 | 2022-08-24 13:02 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/24/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/24/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1007352 |  | D A | Closed | FCOM7273 | 2022-08-23 13:45 | 2022-08-23 13:45 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1007443 |  | A | Closed | FPRO8018 | 2022-08-25 12:16 | 2022-08-25 12:16 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/25/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/25/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007443 |  | A | Closed | FCRE2330 | 2022-08-25 12:15 | 2022-08-25 12:15 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/25/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/25/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007443 |  | A | Closed | FCOM7273 | 2022-08-24 13:14 | 2022-08-24 14:20 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-08/24/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-08/24/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007512 |  | C A | Closed | FCRE1316 | 2022-08-26 12:30 | 2022-08-31 09:11 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE prior to close was provided. - Due Diligence Vendor-08/31/2022 <br> Resolved-Documentation provided was sufficient. - Due Diligence Vendor-08/31/2022 <br> Ready for Review-Document Uploaded. VOE uploaded - Seller-08/31/2022 <br> Open-Borrower 1 3rd party VOE prior to close missing. Per guidelines, verification that the business is currently open and operating within 20 business days of the note date (XX-XX-XXXX) is missing from the loan file. The CPA letter in the loan file is dated >90 days from Note and does not indicate the length of ownership. - Due Diligence Vendor-08/26/2022 | Ready for Review-Document Uploaded. VOE uploaded - Seller-08/31/2022<br>| Resolved-Borrower 1 3rd Party VOE prior to close was provided. - Due Diligence Vendor-08/31/2022 <br>Resolved-Documentation provided was sufficient. - Due Diligence Vendor-08/31/2022<br>|  |  | VOE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007512 |  | C A | Closed | FPRO8018 | 2022-08-25 10:11 | 2022-08-25 10:11 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/25/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/25/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007512 |  | C A | Closed | FCOM7273 | 2022-08-24 12:26 | 2022-08-24 13:06 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-08/24/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-08/24/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1006363 |  | B A | Closed | FCRE8201 | 2022-08-29 05:42 | 2022-08-31 15:41 | Waived | 2 - Non-Material B | Credit | Program Parameters | Program Parameters - Guidelines Conformity | Waived-The subject loan does not conform to program guidelines. Borrower owns 50% of titled entity. Formal exception provided in file. - Due Diligence Vendor-08/29/2022 |  | Waived-The subject loan does not conform to program guidelines. Borrower owns 50% of titled entity. Formal exception provided in file. - Due Diligence Vendor-08/29/2022<br>|  | Experienced investor with two investment properties, two borrowers on the loan, no consumer late payment within the last 48 months, no mortgage payments within the last 24 months, several income sources, DTI below 45%. 0.5 added to the price, trust is revocable, and all owners and beneficiaries are on the loan. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1006363 |  | B A | Closed | FPRO8018 | 2022-08-26 10:18 | 2022-08-26 10:20 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/26/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/26/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1006363 |  | B A | Closed | FCOM7273 | 2022-08-25 15:05 | 2022-08-25 15:05 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1006917 |  | A | Closed | FCOM7273 | 2022-08-25 12:29 | 2022-08-31 09:26 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared- - Due Diligence Vendor-08/26/2022 |  | Cleared- - Due Diligence Vendor-08/26/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1006917 |  | A | Closed | FCRE2330 | 2022-08-26 08:16 | 2022-08-30 06:52 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/26/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/26/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1006917 |  | A | Closed | FPRO8018 | 2022-08-26 08:12 | 2022-08-26 08:12 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/26/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/26/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1005922 |  | D A | Closed | FCRE5774 | 2022-08-26 11:20 | 2022-11-29 11:37 | Resolved | 1 - Information A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower 1 Credit Report is not partially present. - Due Diligence Vendor-09/06/2022 <br>Rescinded-Borrower 1 Credit Report is Partially Present. - Due Diligence Vendor-08/26/2022 |  | Resolved-Borrower 1 Credit Report is not partially present. - Due Diligence Vendor-09/06/2022 <br>Rescinded-Borrower 1 Credit Report is Partially Present. - Due Diligence Vendor-08/26/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1005922 |  | D A | Closed | FCRE5770 | 2022-08-31 11:56 | 2022-11-29 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-09/06/2022 <br>Ready for Review-Document Uploaded. Credit Report uploaded. Please, review it. - Seller-09/06/2022 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-08/31/2022 | Ready for Review-Document Uploaded. Credit Report uploaded. Please, review it. - Seller-09/06/2022<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-09/06/2022<br>|  |  | 1005922_Credit Report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1005922 |  | D A | Closed | FPRO8018 | 2022-08-26 11:46 | 2022-08-26 11:46 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/26/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/26/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1005922 |  | D A | Closed | FCOM7273 | 2022-08-25 13:52 | 2022-08-25 14:22 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-08/25/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-08/25/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007559 |  | A | Closed | FPRO8018 | 2022-08-29 14:42 | 2022-08-29 14:42 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/29/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/29/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007559 |  | A | Closed | FCRE2330 | 2022-08-29 14:41 | 2022-08-29 14:41 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/29/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/29/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007559 |  | A | Closed | FCOM7273 | 2022-08-25 14:45 | 2022-08-26 08:04 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-08/25/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-08/25/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007232 |  | A | Closed | FPRO8018 | 2022-08-26 14:06 | 2022-08-26 14:06 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/26/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/26/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007232 |  | A | Closed | FCRE2330 | 2022-08-26 14:01 | 2022-08-26 14:01 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/26/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/26/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007232 |  | A | Closed | FCOM7273 | 2022-08-26 07:58 | 2022-08-26 08:52 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1005861 |  | B A | Closed | FCRE2515 | 2022-08-29 10:58 | 2022-08-30 10:24 | Waived | 2 - Non-Material B | Credit | Credit Profile | Credit Profile - Credit History Insufficient | Waived-The documented credit history does not meet guidelines. Formal exception was provided in the file - Due Diligence Vendor-08/29/2022 |  | Waived-The documented credit history does not meet guidelines. Formal exception was provided in the file - Due Diligence Vendor-08/29/2022<br>|  | DTI>=10% Lower than loan program, 10 years or more in same line of employment, No mortgage late payments in last 24 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 1005861 |  | B A | Closed | FPRO8018 | 2022-08-29 10:50 | 2022-08-29 10:59 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/29/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/29/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1005861 |  | B A | Closed | FCOM7273 | 2022-08-27 11:47 | 2022-08-27 11:47 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1006639 |  | A | Closed | FCRE2330 | 2022-08-30 13:33 | 2022-08-30 13:33 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/30/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/30/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1006639 |  | A | Closed | FPRO8018 | 2022-08-29 10:56 | 2022-08-29 10:56 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/29/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/29/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1006639 |  | A | Closed | FCOM7273 | 2022-08-29 07:34 | 2022-08-29 08:11 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-08/29/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-08/29/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1007103 |  | C B A | Closed | FPRO1244 | 2022-08-29 14:33 | 2022-09-03 09:50 | Resolved | 1 - Information C A | Property | Third Party Valuation | Missing Doc - 3rd Party Valuation Product/Missing | Resolved-Documentation provided was sufficient. - Due Diligence Vendor-09/03/2022 <br>Ready for Review-Document Uploaded. AVM Report provided - Seller-09/01/2022 <br>Open-The loan file did not contain the required 3rd party valuation product. Collateral R&W Relief Not Eligible = Manufactured Home - Due Diligence Vendor-08/30/2022 | Ready for Review-Document Uploaded. AVM Report provided - Seller-09/01/2022<br>| Resolved-Documentation provided was sufficient. - Due Diligence Vendor-09/03/2022<br>|  |  | 1007103_AVM.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1007103 |  | C B A | Closed | FCRE2330 | 2022-08-30 10:14 | 2022-08-30 10:14 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/30/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/30/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1007103 |  | C B A | Closed | FCRE1200 | 2022-08-29 14:23 | 2022-08-30 10:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived-Audited loan amount is less than the guideline Minimum loan amount. Formal exception was provided in file. - Due Diligence Vendor-08/29/2022 |  | Waived-Audited loan amount is less than the guideline Minimum loan amount. Formal exception was provided in file. - Due Diligence Vendor-08/29/2022<br>|  | Credit score >40% than minimum, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1007103 |  | C B A | Closed | FVAL5472 | 2022-08-29 14:33 | 2022-08-30 09:55 | Waived | 2 - Non-Material B | Property | Property Issue | Property Issue - Property Size | Waived-The subject appraisal verified that the property/house size does not meet guidelines. Formal exception was provided in file. - Due Diligence Vendor-08/29/2022 |  | Waived-The subject appraisal verified that the property/house size does not meet guidelines. Formal exception was provided in file. - Due Diligence Vendor-08/29/2022<br>|  | Credit score >40% than minimum, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1007103 |  | C B A | Closed | FCOM7273 | 2022-08-29 10:03 | 2022-08-29 10:50 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1007387 |  | A | Closed | FPRO8018 | 2022-08-30 11:41 | 2022-08-30 11:41 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/30/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/30/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1007387 |  | A | Closed | FCRE2330 | 2022-08-30 11:40 | 2022-08-30 11:40 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/30/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/30/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1007387 |  | A | Closed | FCOM7273 | 2022-08-29 14:35 | 2022-08-29 15:24 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1007688 |  | A | Closed | FPRO8018 | 2022-08-31 11:58 | 2022-08-31 11:58 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/31/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-08/31/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1007688 |  | A | Closed | FCRE2330 | 2022-08-31 11:57 | 2022-08-31 11:57 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/31/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-08/31/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1007688 |  | A | Closed | FCOM7273 | 2022-08-30 11:07 | 2022-08-30 12:23 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1007830 |  | B A | Closed | FCRE1200 | 2022-09-02 07:07 | 2022-09-07 11:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived-Audited loan amount is less than the guideline Minimum loan amount. Loan amount of $XXXX is less than minimum loan amount of $XXXX allowed per guidelines. Formal exception provided in file. - Due Diligence Vendor-09/02/2022 |  | Waived-Audited loan amount is less than the guideline Minimum loan amount. Loan amount of XXXX is less than minimum loan amount of XXXX allowed per guidelines. Formal exception provided in file. - Due Diligence Vendor-09/02/2022<br>|  | Reserves>6 months; Credit score >40% than minimum required; CLTV 10% below maximum; No consumer late payments in last 48 months; 5+ years credit history; No mortgage late payments in last 24 months and no credit events past 48 months |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1007830 |  | B A | Closed | FPRO8018 | 2022-09-02 07:14 | 2022-09-02 07:14 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/02/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/02/2022<br>|  |  |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007830 |  | B A | Closed | FCOM7273 | 2022-09-01 13:23 | 2022-09-01 15:20 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007263 |  | A | Closed | FCRE2330 | 2022-09-07 07:59 | 2022-09-07 07:59 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/07/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/07/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007263 |  | A | Closed | FPRO8018 | 2022-09-07 07:57 | 2022-09-07 07:57 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/07/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/07/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007263 |  | A | Closed | FCOM7273 | 2022-09-06 13:02 | 2022-09-06 13:59 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-09/06/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-09/06/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1006583 |  | A | Closed | FPRO8018 | 2022-09-08 10:10 | 2022-09-08 10:10 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/08/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1006583 |  | A | Closed | FCRE2330 | 2022-09-08 10:10 | 2022-09-08 10:10 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/08/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1006583 |  | A | Closed | FCOM7273 | 2022-09-07 14:51 | 2022-09-07 14:51 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1007011 |  | C A | Closed | FCRE8201 | 2022-09-12 10:07 | 2022-11-08 09:19 | Resolved | 1 - Information C A | Credit | Program Parameters | Program Parameters - Guidelines Conformity | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/08/2022 <br> Ready for Review-Document Uploaded. Please review uploaded report for XXXX - Seller-11/08/2022 <br> Upheld-Documentation provided is not sufficient. Payment history provided for XXXX. Documentation is needed for XXXX to support property owned free/clear. Property profile search or insurance policy reflecting zero lien holders would be sufficient. - Due Diligence Vendor-11/07/2022 <br> Ready for Review-Document Uploaded. Please review uploaded docs. - Seller-11/04/2022 <br> Upheld-No documentation provided. Third party verification is needed to document ownership record. Property profile report, title search, or homeowners insurance validating no lien holders is acceptable documentation for verification of free/clear status. - Due Diligence Vendor-09/14/2022 <br> Ready for Review-LOX in file clearly states that property is free and clear, credit report doesn't show ther eis a lien open. - Seller-09/14/2022 <br> Open-The subject loan does not conform to program guidelines. As per guidelines properties owned free and clear requires a report from protitlesusa.com or a copy of the homeowners insurance policy without a mortgagee listed. XXXX is missing the required documentation to support free and clear ownership. - Due Diligence Vendor-09/12/2022 | Ready for Review-Document Uploaded. Please review uploaded report for XXXX - Seller-11/08/2022 <br>Ready for Review-Document Uploaded. Please review uploaded docs. - Seller-11/04/2022 <br>Ready for Review-LOX in file clearly states that property is free and clear, credit report doesn't show ther eis a lien open. - Seller-09/14/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/08/2022<br>|  |  | 1007011_payments and VOM.pdf<br> 1007011_xxx.pdf | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007011 |  | C A | Closed | FCRE1440 | 2022-09-09 09:15 | 2022-11-07 09:46 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/07/2022 <br> Ready for Review-Document Uploaded. Please review uploaded payments and VOM - Seller-11/04/2022 <br> Upheld-Documentation provided is not sufficient. Credit supplement reflects mortgage previously disclosed on 1003 as attached to property XXXX. Additional mortgage history for XXXX is needed as it does not report on credit. - Due Diligence Vendor-09/14/2022 <br> Ready for Review-Document Uploaded. Please review uploaded docs - Seller-09/14/2022 <br> Open-Housing history does not meet guideline requirements. Per the guidelines verification of any mortgage liens on the other properties is required. The file is missing the mortgage history for the property at XXXX. The property was not on the credit report or the 1003 but is on the fraud report and is referenced on the borrower letter of explanation that a mortgage is on the property. - Due Diligence Vendor-09/09/2022 | Ready for Review-Document Uploaded. Please review uploaded payments and VOM - Seller-11/04/2022 <br>Ready for Review-Document Uploaded. Please review uploaded docs - Seller-09/14/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/07/2022<br>|  |  | 1007011_xxx.pdf<br> 1007011_payments and VOM.pdf | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007011 |  | C A | Closed | FPRO8018 | 2022-09-08 13:24 | 2022-09-08 13:24 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/08/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/08/2022<br>|  |  |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007011 |  | C A | Closed | FCOM7273 | 2022-09-07 14:56 | 2022-09-07 18:17 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007678 |  | B A | Closed | FCRE1200 | 2022-09-13 13:48 | 2022-09-15 18:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived-Audited loan amount is less than the guideline Minimum loan amount. Loan amount of $XXXX is less than program minimum loan amount of $XXXX. Formal Exception provided in file. - Due Diligence Vendor-09/13/2022 |  | Waived-Audited loan amount is less than the guideline Minimum loan amount. Loan amount of XXXX is less than program minimum loan amount of XXXX. Formal Exception provided in file. - Due Diligence Vendor-09/13/2022<br>|  | Credit score > 40% than the minimum required; 2+ borrowers on the loan; No consumer late payments in the last 48 months; No mortgage late payments in the last 24 months; No credit events in the past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1007678 |  | B A | Closed | FPRO8018 | 2022-09-13 14:02 | 2022-09-13 14:02 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/13/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/13/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1007678 |  | B A | Closed | FCOM7273 | 2022-09-12 13:59 | 2022-09-12 14:57 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1007763 |  | A | Closed | FPRO8018 | 2022-09-16 09:30 | 2022-09-16 09:30 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/16/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007763 |  | A | Closed | FCRE2330 | 2022-09-16 09:30 | 2022-09-16 09:30 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/16/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007763 |  | A | Closed | FCOM7273 | 2022-09-14 14:25 | 2022-09-15 15:30 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1008231 |  | A | Closed | FCRE2330 | 2022-09-15 09:51 | 2022-09-16 13:19 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/15/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/15/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - >2% of Loan Amount or $2000 | N/A | N/A |
| 1008231 |  | A | Closed | FPRO8018 | 2022-09-15 09:51 | 2022-09-15 09:51 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/15/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/15/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - >2% of Loan Amount or $2000 | N/A | N/A |
| 1008231 |  | A | Closed | FCOM7273 | 2022-09-14 13:41 | 2022-09-15 06:39 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - >2% of Loan Amount or $2000 | N/A | N/A |
| 1010845 |  | D B C A | Closed | FCRE1964 | 2022-09-19 07:09 | 2022-09-21 14:10 | Resolved | 1 - Information C A | Credit | Income Documentation | Income - Income Documentation Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-09/21/2022 <br> Ready for Review-Document Uploaded. Appraisal with comparable rent schedule uploaded - Seller-09/21/2022 <br> Open-The loan file did not contain the required income documentation. Actual rent from lease agreement or Form 1007 Comparable Rent Schedule is required as per XXXX Guidelines to calculate DSCR. - Due Diligence Vendor-09/19/2022 | Ready for Review-Document Uploaded. Appraisal with comparable rent schedule uploaded - Seller-09/21/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-09/21/2022<br>|  |  | Appraisal.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1010845 |  | D B C A | Closed | FPRO1242 | 2022-09-16 14:17 | 2022-09-21 14:09 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-09/21/2022 <br>Ready for Review-Document Uploaded. Appraisal uploaded - Seller-09/21/2022 <br>Open-Appraisal is Present or is Waived Primary appraisal is not provided in file. 1004D only located in file. - Due Diligence Vendor-09/20/2022 | Ready for Review-Document Uploaded. Appraisal uploaded - Seller-09/21/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-09/21/2022<br>|  |  | Appraisal.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1010845 |  | D B C A | Closed | FCRE1440 | 2022-09-19 07:10 | 2022-09-20 11:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing history does not meet guideline requirements. Formal exception provided in file. - Due Diligence Vendor-09/19/2022 |  | Waived-Housing history does not meet guideline requirements. Formal exception provided in file. - Due Diligence Vendor-09/19/2022<br>|  | Experienced investor with more than two investment properties. No consume late payments in the past 48 months. Over 5 years of credit history. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1010845 |  | D B C A | Closed | FCOM7273 | 2022-09-15 13:52 | 2022-09-16 07:10 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-09/16/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-09/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1008197 |  | A | Closed | FPRO8018 | 2022-09-16 13:12 | 2022-09-20 11:59 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-Value is supported within 10% of original appraisal amount checklist question status is false. - Due Diligence Vendor-09/16/2022 |  | Cleared-Value is supported within 10% of original appraisal amount checklist question status is false. - Due Diligence Vendor-09/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 1008197 |  | A | Closed | FCRE2330 | 2022-09-16 13:11 | 2022-09-16 13:11 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/16/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 1008197 |  | A | Closed | FCOM7273 | 2022-09-15 14:17 | 2022-09-16 06:00 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-09/16/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-09/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 1008232 |  | A | Closed | FPRO8018 | 2022-09-16 12:17 | 2022-09-16 12:17 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/16/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1008232 |  | A | Closed | FCRE2330 | 2022-09-16 12:17 | 2022-09-16 12:17 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/16/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1008232 |  | A | Closed | FCOM7273 | 2022-09-15 14:30 | 2022-09-16 05:59 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-09/16/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-09/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1006845 |  | B A | Closed | FCRE1194 | 2022-09-22 11:38 | 2022-09-23 15:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV exceeds guideline LTV. Loan is at 75% LTV. Max allowable LTV for DSCR <1.0 is 70% per matrix updates 09/07/2022. LTV exceeds guidelines by 5%. Formal exception provided in file. - Due Diligence Vendor-09/22/2022 |  | Waived-Audited LTV exceeds guideline LTV. Loan is at 75% LTV. Max allowable LTV for DSCR <1.0 is 70% per matrix updates 09/07/2022. LTV exceeds guidelines by 5%. Formal exception provided in file. - Due Diligence Vendor-09/22/2022<br>|  | Borrower contribution exceeds requirement >=5%; Revolving debt is under 30%; No consumer late payments in last48 months; 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months; Revolving debt is under 30%; Borrower contribution exceeds requirement >=5%. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1006845 |  | B A | Closed | FPRO8018 | 2022-09-20 08:42 | 2022-09-20 08:42 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/20/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1006845 |  | B A | Closed | FCOM7273 | 2022-09-19 13:18 | 2022-09-19 13:18 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1008096 |  | A | Closed | FCRE2330 | 2022-09-20 14:08 | 2022-09-20 14:08 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/20/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/20/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1008096 |  | A | Closed | FPRO8018 | 2022-09-20 14:06 | 2022-09-20 14:07 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/20/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/20/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1008096 |  | A | Closed | FCOM7273 | 2022-09-19 12:56 | 2022-09-19 15:46 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1006549 |  | A | Closed | FPRO8018 | 2022-09-22 09:18 | 2022-09-22 09:18 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/22/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/22/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1006549 |  | A | Closed | FCRE2330 | 2022-09-22 09:17 | 2022-09-22 09:17 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/22/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-09/22/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1006549 |  | A | Closed | FCOM7273 | 2022-09-21 14:16 | 2022-09-22 06:18 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-09/22/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-09/22/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011113 |  | C A | Closed | FCRE1440 | 2022-09-30 11:30 | 2022-11-02 14:34 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Documentation provided is sufficient - Due Diligence Vendor-11/02/2022 <br> Ready for Review-Document Uploaded. - Seller-11/02/2022 <br> Upheld-Rental payment history is not being requested. Per XXXX guidelines and industry standard, primary residence payment is to be included in DTI qualification. Present 1003 indicates borrower rents, which would require a payment to be included. Prior explanation that borrower is rent-free is in conflict with 1003. Updated 1003 should be provided to close questions of no payment included in DTI. - Due Diligence Vendor-10/13/2022 <br> Ready for Review-per UW, we do not need to verify the rental history for XXXX - Seller-10/12/2022 <br> Upheld-No documentation uploaded. Updated 1003 to reflect "No Primary Housing Expense" is needed as no rental expense applies. - Due Diligence Vendor-10/04/2022 <br> Ready for Review-payment history would be required for properties owned. borrower lives at the property rent free. - Seller-10/03/2022 <br> Open-Housing history does not meet guideline requirements. 1003 indicates borrower rents primary residence; however, no payment history provided as required per guidelines. No payment included in DTI; subject to reverification of final DTI. - Due Diligence Vendor-09/30/2022 | Ready for Review-Document Uploaded. - Seller-11/02/2022 <br>Ready for Review-per UW, we do not need to verify the rental history for Non qm - Seller-10/12/2022 <br>Ready for Review-payment history would be required for properties owned. borrower lives at the property rent free. - Seller-10/03/2022<br>| Resolved-Documentation provided is sufficient - Due Diligence Vendor-11/02/2022<br>|  |  | 1011113_1003.pdf | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011113 |  | C A | Closed | FPRO8018 | 2022-09-28 11:39 | 2022-09-28 11:39 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/28/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-09/28/2022<br>|  |  |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011113 |  | C A | Closed | FCOM7273 | 2022-09-27 07:39 | 2022-09-27 07:54 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-09/27/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-09/27/2022<br>|  |  |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007274 |  | C B A | Closed | FVAL2301 | 2022-10-06 12:45 | 2022-10-13 10:06 | Resolved | 1 - Information C A | Property | Appraisal | Missing Doc - Updated Completion Report (442/1004D) Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-10/13/2022 <br>Ready for Review-Document Uploaded. Acknowledgement of No Damage uploaded. Please, review it. - Seller-10/13/2022 <br>Open-The loan file did not contain the updated completion report (442/1004D) as required. Property located in FEMA declared disaster county. Reinspection / Documentation needed to verify property condition. - Due Diligence Vendor-10/06/2022 | Ready for Review-Document Uploaded. Acknowledgement of No Damage uploaded. Please, review it. - Seller-10/13/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-10/13/2022<br>|  |  | 1007274_Hurricane Ian Hold Harmless Disaster Affidavit.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007274 |  | C B A | Closed | FCRE1194 | 2022-10-05 12:29 | 2022-10-11 12:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Documentation provided is sufficient. Lender approved exception provided. - Due Diligence Vendor-10/11/2022 <br>Ready for Review-Document Uploaded. - Seller-10/11/2022 <br>Open-Per the 7/12/22 Matrix the max LTV for a Foreign National DSCR is 70% LTV. Loan is at 75% LTV which is out of guidelines. No exception in the file. - Due Diligence Vendor-10/06/2022 | Ready for Review-Document Uploaded. - Seller-10/11/2022<br>| Waived-Documentation provided is sufficient. Lender approved exception provided. - Due Diligence Vendor-10/11/2022<br>|  | DTI >10% less than program maximum. Borrower contribution exceeds requirement by >5%. Residual income is >$3000. | 1007274_exception_for_LTV_pending_signature-xxx_admortgage.com.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes |
| 1007274 |  | C B A | Closed | FPRO8018 | 2022-10-04 11:14 | 2022-10-04 11:14 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/04/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/04/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1007274 |  | C B A | Closed | FCOM7273 | 2022-10-03 13:55 | 2022-10-03 14:41 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/03/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/03/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011188 |  | C A | Closed | FVAL2301 | 2022-10-04 14:09 | 2022-11-03 09:20 | Resolved | 1 - Information C A | Property | Appraisal | Missing Doc - Updated Completion Report (442/1004D) Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/03/2022 <br> Ready for Review-Document Uploaded. Please see the attached affidavit signed by the borrower. Property photos with a date are also provided - Seller-11/03/2022 <br> Open-The loan file did not contain the updated completion report (442/1004D) as required. A interior/exterior completion certificate is currently required to confirm no damage from disaster declaration dated XX-XX-XXXX for all affected counties which includes XXXX - Due Diligence Vendor-10/04/2022 | Ready for Review-Document Uploaded. Please see the attached affidavit signed by the borrower. Property photos with a date are also provided - Seller-11/03/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/03/2022<br>|  |  | 1011188_Hold Harmless Agreement-Property Photos.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011188 |  | C A | Closed | FCRE2330 | 2022-10-04 14:11 | 2022-10-04 14:11 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/04/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/04/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011188 |  | C A | Closed | FCOM7273 | 2022-10-04 12:10 | 2022-10-04 12:49 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/04/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/04/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1005313 |  | A | Closed | FPRO8018 | 2022-10-10 08:58 | 2022-10-10 08:58 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/10/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/10/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1005313 |  | A | Closed | FCRE2330 | 2022-10-10 08:57 | 2022-10-10 08:57 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/10/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/10/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1005313 |  | A | Closed | FCOM7273 | 2022-10-07 12:48 | 2022-10-07 12:48 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/07/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/07/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1008024 |  | A | Closed | FPRO8018 | 2022-10-11 07:33 | 2022-10-11 07:33 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/11/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/11/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1008024 |  | A | Closed | FCRE2330 | 2022-10-11 07:32 | 2022-10-11 07:32 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/11/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/11/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1008024 |  | A | Closed | FCOM7273 | 2022-10-07 14:51 | 2022-10-10 08:17 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011073 |  | D B C A | Closed | FCOM1221 | 2022-10-12 06:32 | 2022-11-03 09:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/03/2022 <br> Ready for Review-Document Uploaded. see attached - Seller-11/02/2022 <br> Open-The Deed of Trust is incomplete. The Security Deed contains conflicting subject property county location. The Security Deed identifies the subject property county as XXXX (page 3 of 18), however, the attached EXHIBIT "A" legal description identifies the subject property county as XXXX. - Due Diligence Vendor-10/12/2022 | Ready for Review-Document Uploaded. see attached - Seller-11/02/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/03/2022<br>|  |  | 1011073_Deed.pdf | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| 1011073 |  | D B C A | Closed | FCRE1194 | 2022-10-12 08:16 | 2022-10-19 13:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- - Due Diligence Vendor-10/19/2022 <br>Ready for Review-exception was made when the LTV was 72, this exception stands even if the LTV is 73.5 - Seller-10/17/2022 <br>Open-Max LTV per guidelines is 70%. Qualifying LTV is 73.5% which is out of guidelines. Formal exception provided in file approves LTV to 72.26%. Updated exception is needed. - Due Diligence Vendor-10/12/2022 | Ready for Review-exception was made when the LTV was 72, this exception stands even if the LTV is 73.5 - Seller-10/17/2022<br>|  |  | Several income sources and DTI below 45%, Revolving debt is under 30%, 5 years on current job, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48 months. |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes |
| 1011073 |  | D B C A | Closed | FPRO8018 | 2022-10-12 06:26 | 2022-10-12 06:26 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/12/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/12/2022<br>|  |  |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| 1011101 |  | B A | Closed | FCRE8201 | 2022-10-12 07:37 | 2022-10-12 12:35 | Waived | 2 - Non-Material B | Credit | Program Parameters | Program Parameters - Guidelines Conformity | Waived-The subject loan does not conform to program guidelines. Per guidelines, Cash-Out Seasoning of six (6) months or less on all occupancy types is allowed with the following restrictions: maximum CLTV ratio for the cash out transaction is based upon the lower of the current appraised value, or the property's purchase price plus documented improvements. Using the purchase price of $XXXX the LTV of 99% is outside of guidelines. Formal exception is provided in file to use higher appraised value. - Due Diligence Vendor-10/12/2022 |  | Waived-The subject loan does not conform to program guidelines. Per guidelines, Cash-Out Seasoning of six (6) months or less on all occupancy types is allowed with the following restrictions: maximum CLTV ratio for the cash out transaction is based upon the lower of the current appraised value, or the property's purchase price plus documented improvements. Using the purchase price of $293,000 the LTV of 99% is outside of guidelines. Formal exception is provided in file to use higher appraised value. - Due Diligence Vendor-10/12/2022<br>|  | 5 years on current job; No credit events past 48 months; No mortgage late payments in last 24 months; No consumer late payments in last 48 months. |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No |
| 1011101 |  | B A | Closed | FPRO8018 | 2022-10-12 07:34 | 2022-10-12 07:34 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/12/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/12/2022<br>|  |  |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1011101 |  | B A | Closed | FCOM7273 | 2022-10-10 14:25 | 2022-10-11 14:18 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/10/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/10/2022<br>|  |  |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1011488 |  | A | Closed | FPRO8018 | 2022-10-12 10:06 | 2022-10-12 10:06 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/12/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/12/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011488 |  | A | Closed | FCRE2330 | 2022-10-12 10:01 | 2022-10-12 10:01 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/12/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/12/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011488 |  | A | Closed | FCOM7273 | 2022-10-11 08:03 | 2022-10-11 08:03 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/11/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/11/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011084 |  | B A | Closed | FCRE1198 | 2022-10-18 14:55 | 2022-10-19 14:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited reserves months are less than the guideline required reserve months. No assets in the file, using cash out for reserves. Formal exception in the file. - Due Diligence Vendor-10/18/2022 |  | Waived-Audited reserves months are less than the guideline required reserve months. No assets in the file, using cash out for reserves. Formal exception in the file. - Due Diligence Vendor-10/18/2022<br>|  | No consumer late payments in last 48 months, 5+ years credit history; no mortgage late payments in last 24 months; no credit events past 48 months. 70% max LTV, DSCR>=1.1. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1011084 |  | B A | Closed | FCRE1200 | 2022-10-18 14:55 | 2022-10-19 14:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived-Audited loan amount is less than the guideline Minimum loan amount. Loan amount of XXXX is under minimum required per guidelines of $XXXX. Formal Exception in the file. - Due Diligence Vendor-10/18/2022 |  | Waived-Audited loan amount is less than the guideline Minimum loan amount. Loan amount of XXXX is under minimum required per guidelines of XXXX. Formal Exception in the file. - Due Diligence Vendor-10/18/2022<br>|  | No consumer late payments in last 48 months, 5+ years credit history; no mortgage late payments in last 24 months; no credit events past 48 months. 70% max LTV, DSCR>=1.1 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1011084 |  | B A | Closed | FCRE1194 | 2022-10-18 14:55 | 2022-10-19 14:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV exceeds guideline LTV. Per guidelines for a SFR cash out rural minimum LTV is 65%, where as LTV is 70%. Formal exception in the file. - Due Diligence Vendor-10/18/2022 |  | Waived-Audited LTV exceeds guideline LTV. Per guidelines for a SFR cash out rural minimum LTV is 65%, where as LTV is 70%. Formal exception in the file. - Due Diligence Vendor-10/18/2022<br>|  | No consumer late payments in last 48 months, 5+ years credit history; no mortgage late payments in last 24 months; no credit events past 48 months. 70% max LTV, DSCR>=1.1 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1011084 |  | B A | Closed | FCRE1197 | 2022-10-18 14:55 | 2022-10-19 14:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO is less than guideline FICO. Per guidelines SFR cash out rural minimum FICO is 680, where as FICO score is a 670. Formal Exception in the file. - Due Diligence Vendor-10/18/2022 |  | Waived-Audited FICO is less than guideline FICO. Per guidelines SFR cash out rural minimum FICO is 680, where as FICO score is a 670. Formal Exception in the file. - Due Diligence Vendor-10/18/2022<br>|  | No consumer late payments in last 48 months, 5+ years credit history; no mortgage late payments in last 24 months; no credit events past 48 months. 70% max LTV, DSCR>=1.1 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1011084 |  | B A | Closed | FPRO8018 | 2022-10-18 14:57 | 2022-10-18 14:57 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/18/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/18/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1011084 |  | B A | Closed | FCOM7273 | 2022-10-17 15:43 | 2022-10-17 15:51 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/17/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/17/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1011263 |  | A | Closed | FCOM7273 | 2022-10-19 14:14 | 2022-10-19 14:14 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/19/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/19/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1011263 |  | A | Closed | FCRE2330 | 2022-10-18 16:44 | 2022-10-18 16:44 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/18/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1011263 |  | A | Closed | FPRO8018 | 2022-10-18 13:55 | 2022-10-18 13:55 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/18/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1010966 |  | A | Closed | FCOM7273 | 2022-10-20 13:36 | 2022-10-20 13:36 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/20/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/20/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1010966 |  | A | Closed | FPRO8018 | 2022-10-19 08:48 | 2022-10-19 08:48 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/19/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/19/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1010966 |  | A | Closed | FCRE2330 | 2022-10-19 08:45 | 2022-10-19 08:45 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/19/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/19/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1018624 |  | C A | Closed | FCOM1110 | 2022-10-18 14:26 | 2022-10-25 09:49 | Resolved | 1 - Information C A | Compliance | Disclosure | Pre-Payment Penalty Term not entered | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-10/25/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/25/2022 <br>Open-The Prepayment Addendum to Note is missing the prepayment term (number of months). - Due Diligence Vendor-10/18/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-10/25/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-10/25/2022<br>|  |  | Pages from documents3858558992777040476.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1018624 |  | C A | Closed | FPRO8018 | 2022-10-19 16:29 | 2022-10-21 13:57 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. Rescinded - finding added - Due Diligence Vendor-10/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. Rescinded - finding added - Due Diligence Vendor-10/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1018624 |  | C A | Closed | FCRE2330 | 2022-10-19 16:28 | 2022-10-19 16:28 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/19/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/19/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011024 |  | C B A | Closed | FCRE1316 | 2022-10-19 13:24 | 2022-10-28 14:20 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-10/28/2022 <br> Ready for Review-Document Uploaded. CPA Primary Ownership Letter uploaded - Seller-10/28/2022 <br> Upheld-Finding upheld. Borrower provided personal bank statements and is disclosed as self-employed. No third party documentation of self-employment is provided (cpa letter, business license, etc). Unable to validate employment or income source. - Due Diligence Vendor-10/25/2022 <br> Ready for Review-Please see page 2 of "1011024_XXXX". It is 24 months bank statement. - Seller-10/25/2022 <br> Open-Borrower 1 3rd party VOE prior to close missing. - Due Diligence Vendor-10/19/2022 | Ready for Review-Document Uploaded. CPA Primary Ownership Letter uploaded - Seller-10/28/2022 <br> Ready for Review-Please see page 2 of "1011024_XXXX". It is 24 months bank statement. - Seller-10/25/2022 | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-10/28/2022<br>|  |  | CPA Primary Ownership Letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1011024 |  | C B A | Closed | FCRE2515 | 2022-10-19 11:56 | 2022-10-21 09:32 | Waived | 2 - Non-Material B | Credit | Credit Profile | Credit Profile - Credit History Insufficient | Waived-Per guidelines, the minimum tradeline requirements are 3 tradelines reporting for 12 or more months and remained open within 12 months OR 2 tradelines reporting for 24 or more months and remained open within 12 months. The borrower only has 2 tradelines open. Formal exception was provided in file. - Due Diligence Vendor-10/19/2022 |  | Waived-Per guidelines, the minimum tradeline requirements are 3 tradelines reporting for 12 or more months and remained open within 12 months OR 2 tradelines reporting for 24 or more months and remained open within 12 months. The borrower only has 2 tradelines open. Formal exception was provided in file. - Due Diligence Vendor-10/19/2022<br>|  | Revolving debt is under 30%. 5 years on the current job. Residual income greater than or equal to $3000. DTI greater than or equal to 10% lower than the loan program. No credit events past 48 months. No late mortgage payments in last 24 months. 5+ years credit history. No late consumer payments in the last 48 months. LTV 10% below maximum, Credit score greater than 40% than the minimum required. Borrower contribution exceeds requirement greater than or equal to 5%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 1011024 |  | C B A | Closed | FPRO8018 | 2022-10-19 11:56 | 2022-10-19 11:56 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/19/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/19/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1011024 |  | C B A | Closed | FCOM7273 | 2022-10-18 13:07 | 2022-10-18 13:07 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/18/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1013918 |  | B A | Closed | FCRE1200 | 2022-10-19 12:36 | 2022-10-19 12:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived-Audited loan amount is less than the guideline Minimum loan amount. Formal exception approval in the file - Due Diligence Vendor-10/19/2022 |  | Waived-Audited loan amount is less than the guideline Minimum loan amount. Formal exception approval in the file - Due Diligence Vendor-10/19/2022<br>|  | Exception approved for loan amount below $100,000 with the following compensating factors: Revolving debt is under 30%, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1013918 |  | B A | Closed | FPRO8018 | 2022-10-19 12:48 | 2022-10-19 12:48 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/19/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/19/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1013918 |  | B A | Closed | FCOM7273 | 2022-10-18 13:26 | 2022-10-18 13:26 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/18/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/18/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011148 |  | C A | Closed | FCRE7497 | 2022-10-20 08:54 | 2022-11-08 09:45 | Resolved | 1 - Information C A | Credit | Liabilities | Liabilities - REO | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. Please review uploaded mortgage statement. - Seller-11/07/2022 <br>Upheld-Finding upheld. Credit report does not indicate if primary residence payment is P&I, or PITIA payment. Full PITIA payment to be used for qualification and mortgage statement is needed to verify if current payment is escrowed. - Due Diligence Vendor-10/24/2022 <br>Ready for Review-Credit report is indicating mortgage payment for primary $2029 .00 no aditional documents were needed. - Seller-10/24/2022 <br>Open-The loan file did not contain sufficient documentation to verify debts associated with all other properties. As per Loan Eligibility guidelines, qualifying ratios section, states for other properties owned, documentation to confirm the amount and/or presence or absence of liability for P&I, taxes, insurance, HOA dues, lease payments or other property-related expenses must be provided. Missing documentation to confirm mortgage on credit report (CRDNL FIN CO/DOVENMUEH) for borrowers primary residence is a PITIA payment. - Due Diligence Vendor-10/20/2022 | Ready for Review-Document Uploaded. Please review uploaded mortgage statement. - Seller-11/07/2022 <br>Ready for Review-Credit report is indicating mortgage payment for primary $2029 .00 no aditional documents were needed. - Seller-10/24/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/08/2022<br>|  |  | 1011148_Mortgage statement xxx.pdf | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011148 |  | C A | Closed | FPRO8018 | 2022-10-20 08:54 | 2022-10-20 08:54 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/20/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/20/2022<br>|  |  |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011148 |  | C A | Closed | FCOM7273 | 2022-10-18 15:32 | 2022-10-19 09:45 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/19/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/19/2022<br>|  |  |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1027853 |  | C A | Closed | FCRE7497 | 2022-10-19 14:46 | 2022-10-28 08:58 | Resolved | 1 - Information C A | Credit | Liabilities | Liabilities - REO | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-10/28/2022 <br> Ready for Review-Document Uploaded. - Seller-10/27/2022 <br> Open-The loan file did not contain sufficient documentation to verify debts associated with all other properties. As per Loan Eligibility guidelines, qualifying ratios section, states for other properties owned, documentation to confirm the amount and/or presence or absence of liability for P&I, taxes, insurance, HOA dues, lease payments or other property-related expenses must be provided. Missing verification of PITIA of newly purchased investment property located at XXXX. - Due Diligence Vendor-10/20/2022 | Ready for Review-Document Uploaded. - Seller-10/27/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-10/28/2022<br>|  |  | 1023272 - xxx other property 1027853.pdf | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1027853 |  | C A | Closed | FPRO8018 | 2022-10-19 14:46 | 2022-10-19 14:46 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/19/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/19/2022<br>|  |  |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1027853 |  | C A | Closed | FCOM7273 | 2022-10-18 12:36 | 2022-10-18 13:21 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/18/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/18/2022<br>|  |  |  | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011489 |  | A | Closed | FCRE2330 | 2022-10-20 08:00 | 2022-10-20 08:00 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/20/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/20/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| 1011489 |  | A | Closed | FPRO8018 | 2022-10-20 07:59 | 2022-10-20 07:59 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/20/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/20/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| 1011489 |  | A | Closed | FCOM7273 | 2022-10-19 09:40 | 2022-10-19 10:28 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/19/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/19/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| 1011534 |  | B A | Closed | FCRE1440 | 2022-10-20 11:30 | 2022-10-25 12:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Borrower has 1x30x12 reporting which is not permitted per program. Formal exception provided in file. - Due Diligence Vendor-10/20/2022 |  | Waived-Borrower has 1x30x12 reporting which is not permitted per program. Formal exception provided in file. - Due Diligence Vendor-10/20/2022<br>|  | Experienced investor with 2+ investment properties, 2+ borrowers on the loan, 5+ years credit history. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1011534 |  | B A | Closed | FPRO8018 | 2022-10-20 11:59 | 2022-10-20 11:59 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/20/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011534 |  | B A | Closed | FCOM7273 | 2022-10-19 10:56 | 2022-10-19 10:56 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/19/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/19/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1027984 |  | A | Closed | FCRE2330 | 2022-10-25 08:33 | 2022-10-25 08:33 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/25/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/25/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1027984 |  | A | Closed | FPRO8018 | 2022-10-20 13:07 | 2022-10-20 13:07 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/20/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/20/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1027984 |  | A | Closed | FCOM7273 | 2022-10-20 10:28 | 2022-10-20 10:39 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/20/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/20/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1010897 |  | A | Closed | FPRO8018 | 2022-10-21 10:42 | 2022-10-21 10:42 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| 1010897 |  | A | Closed | FCRE2330 | 2022-10-21 10:41 | 2022-10-21 10:41 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/21/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| 1010897 |  | A | Closed | FCOM7273 | 2022-10-20 11:10 | 2022-10-20 11:10 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/20/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/20/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| 1007855 |  | C B A | Closed | FVAL2301 | 2022-10-25 11:18 | 2022-10-28 08:11 | Resolved | 1 - Information C A | Property | Appraisal | Missing Doc - Updated Completion Report (442/1004D) Missing | Resolved-Documentation uploaded is sufficient. - Due Diligence Vendor-10/28/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-10/28/2022 <br>Open-The loan file did not contain the updated completion report (442/1004D) as required. Property located in FEMA declared disaster area. Inspection / Reinspection is needed. - Due Diligence Vendor-10/25/2022 | Ready for Review-Document Uploaded. see attached - Seller-10/28/2022<br>| Resolved-Documentation uploaded is sufficient. - Due Diligence Vendor-10/28/2022<br>|  |  | PDI.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1007855 |  | C B A | Closed | FCRE2393 | 2022-10-25 11:22 | 2022-10-26 14:16 | Resolved | 1 - Information C A | Credit | Escrow | Escrow Account - Missing | Resolved-Finding removed. - Due Diligence Vendor-10/26/2022 <br> Ready for Review-Document Uploaded. Refer to page 12 as XXXX reserves the right to waive escrows - Seller-10/26/2022 <br> Upheld-Per Eligibility guidelines section 2.8, escrow funds / impound accounts are required to be established for all loans originated by XXXX to include, but not limited to, property taxes and insurance. No escrow account exists on loan. - Due Diligence Vendor-10/26/2022 <br> Ready for Review-Master condo policy covers flood - escrows not needed in this case - Seller-10/26/2022 <br> Open-The loan file did not verify an established escrow account for taxes and insurance as required. No escrow account has been established as required per XXXX guidelines. - Due Diligence Vendor-10/25/2022 | Ready for Review-Document Uploaded. Refer to page 12 as XXXX reserves the right to waive escrows - Seller-10/26/2022 <br> Ready for Review-Master condo policy covers flood - escrows not needed in this case - Seller-10/26/2022 | Resolved-Finding removed. - Due Diligence Vendor-10/26/2022<br>|  |  | Most recent non QM guidelines.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1007855 |  | C B A | Closed | FCRE1194 | 2022-10-24 10:08 | 2022-10-26 08:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Documentation provided is sufficient. Lender exception provided. <br> - Due Diligence Vendor-10/26/2022 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/26/2022 <br> Open-Audited LTV exceeds guideline LTV. Per guidelines dated 7/12/2022, the maximum LTV is 70% for condos located in XXXX that are investment properties. The approved LTV is 75% which is outside of the guidelines. No exception in the file. - Due Diligence Vendor-10/25/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-10/26/2022<br>| Waived-Documentation provided is sufficient. Lender exception provided. <br> - Due Diligence Vendor-10/26/2022<br>|  | Credit score >40% than minimum required; no mortgage lates last 24 months; no credit events past 48 months.  | 1007855 Exception (2).pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1007855 |  | C B A | Closed | FPRO8018 | 2022-10-24 06:39 | 2022-10-24 06:39 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/24/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/24/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1007855 |  | C B A | Closed | FCOM7273 | 2022-10-20 14:18 | 2022-10-20 14:35 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/20/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1011259 |  | A | Closed | FPRO8018 | 2022-10-24 08:09 | 2022-10-24 08:09 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/24/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/24/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011259 |  | A | Closed | FCRE2330 | 2022-10-24 08:09 | 2022-10-24 08:09 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/24/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/24/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011259 |  | A | Closed | FCOM7273 | 2022-10-20 13:01 | 2022-10-21 09:30 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1015256 |  | A | Closed | FPRO8018 | 2022-10-21 13:41 | 2022-10-21 13:41 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1015256 |  | A | Closed | FCRE2330 | 2022-10-21 13:41 | 2022-10-21 13:41 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/21/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1015256 |  | A | Closed | FCOM7273 | 2022-10-21 09:43 | 2022-10-21 09:43 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/21/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1011506 |  | C B A | Closed | FCRE8201 | 2022-10-25 09:15 | 2022-10-28 14:14 | Waived | 2 - Non-Material C B | Credit | Program Parameters | Program Parameters - Guidelines Conformity | Waived-Lender exception provided. - Due Diligence Vendor-10/28/2022 <br> Ready for Review-Document Uploaded. Please review uploaded exception form. - Seller-10/28/2022 <br> Upheld-Finding upheld. Guidelines apply to subject condo project as currently zoned based on legal description as condo. Exception needed for >15% ownership in project. - Due Diligence Vendor-10/27/2022 <br> Ready for Review-This property use to be a multi-family unit home that was converted to a condo - Seller-10/27/2022 <br> Open-Per XXXX Mortgage guidelines: Condo projects with 5-20 units allow 2 units to be owned by a single entity; Maximum number of units XXXX will finance in any condominium project is the greater of one unit or 15% of the sold units in the project. Based on documentation provided (Appraisal, Verification of Mortgage and Processor Certification) borrower owns at least half of the 6 units in the Condo Project. No exception provided in the file. - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. Please review uploaded exception form. - Seller-10/28/2022 <br>Ready for Review-This property use to be a multi-family unit home that was converted to a condo - Seller-10/27/2022<br>| Waived-Lender exception provided. - Due Diligence Vendor-10/28/2022<br>|  | Fico 754; No credit events past 48 months. | 1011506_exception form - signed.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| 1011506 |  | C B A | Closed | FPRO8018 | 2022-10-25 09:15 | 2022-10-25 09:15 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/25/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/25/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1011506 |  | C B A | Closed | FCOM7273 | 2022-10-24 08:23 | 2022-10-24 08:58 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/24/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/24/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1011508 |  | C B A | Closed | FCRE8201 | 2022-10-25 07:46 | 2022-11-22 12:08 | Waived | 2 - Non-Material C B | Credit | Program Parameters | Program Parameters - Guidelines Conformity | Waived-Documentation provided is sufficient. Lender exception provided. - Due Diligence Vendor-11/22/2022 <br> Ready for Review-Document Uploaded. - Seller-11/22/2022 <br> Upheld-Finding upheld. Current guidelines reflect exception on Section 7.1.1 for Condominium Eligibility as previously referenced. Lender exception needed as provided for additional borrower loan closed with XXXX. - Due Diligence Vendor-11/02/2022 <br> Ready for Review-Document Uploaded. please refer to current guidelines, see attached. - Seller-11/01/2022 <br> Upheld-Document Uploaded. Finding upheld. Please reference bottom of Section 7.1.1 for Condominium Eligibility. - Due Diligence Vendor-10/28/2022 <br> Ready for Review-please cite the GL you are referring to - Seller-10/27/2022 <br> Open-Per XXXX guidelines: Condo projects with 5-20 units allow 2 units to be owned by a single entity; Maximum number of units XXXX will finance in any condominium project is the greater of one unit or 15% of the sold units in the project. Based on documentation provided (Appraisal, Verification of Mortgage and Processor Certification) borrower owns at least half of the 6 units in the Condo Project. No exception provided in the file. - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. - Seller-11/22/2022 <br>Ready for Review-Document Uploaded. please refer to current guidelines, see attached. - Seller-11/01/2022 <br>Ready for Review-please cite the GL you are referring to - Seller-10/27/2022<br>| Waived-Documentation provided is sufficient. Lender exception provided. - Due Diligence Vendor-11/22/2022<br>|  | Fico 754; No bankruptcy; No credit events past 48 months. | CondoEligibility.png<br>Non-QM Loan Eligibility Guidelines Sep 2022.pdf<br>1011508_exception 1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| 1011508 |  | C B A | Closed | FPRO8018 | 2022-10-25 07:46 | 2022-10-25 07:46 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/25/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/25/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1011508 |  | C B A | Closed | FCOM7273 | 2022-10-24 09:11 | 2022-10-24 11:37 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/24/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/24/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1030919 |  | A | Closed | FPRO8018 | 2022-10-26 09:53 | 2022-10-26 09:53 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/26/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/26/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1030919 |  | A | Closed | FCRE2330 | 2022-10-26 09:53 | 2022-10-26 09:53 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/26/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/26/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1030919 |  | A | Closed | FCOM7273 | 2022-10-24 12:31 | 2022-10-24 12:31 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/24/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/24/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1011398 |  | A | Closed | FCOM7273 | 2022-10-24 14:51 | 2022-10-27 12:41 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-Compliance Findings are present. - Due Diligence Vendor-10/24/2022 |  | Cleared-Compliance Findings are present. - Due Diligence Vendor-10/24/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1011398 |  | A | Closed | FCRE2330 | 2022-10-26 06:59 | 2022-10-26 06:59 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/26/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/26/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1011398 |  | A | Closed | FPRO8018 | 2022-10-25 14:23 | 2022-10-25 14:23 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/25/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/25/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1024837 |  | A | Closed | FCRE2330 | 2022-10-25 13:04 | 2022-10-25 13:04 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/25/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/25/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1024837 |  | A | Closed | FPRO8018 | 2022-10-25 13:04 | 2022-10-25 13:04 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/25/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/25/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1024837 |  | A | Closed | FCOM7273 | 2022-10-24 14:51 | 2022-10-24 18:02 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/24/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/24/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011033 |  | A | Closed | FPRO8018 | 2022-10-26 07:40 | 2022-10-26 07:40 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/26/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/26/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1011033 |  | A | Closed | FCRE2330 | 2022-10-26 07:40 | 2022-10-26 07:40 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/26/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/26/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1011033 |  | A | Closed | FCOM7273 | 2022-10-24 14:09 | 2022-10-24 18:17 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/24/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/24/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1031014 |  | A | Closed | FPRO8018 | 2022-10-25 11:46 | 2022-10-25 11:46 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/25/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/25/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1031014 |  | A | Closed | FCRE2330 | 2022-10-25 11:45 | 2022-10-25 11:45 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/25/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/25/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1031014 |  | A | Closed | FCOM7273 | 2022-10-24 14:25 | 2022-10-24 18:26 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/24/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/24/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1031374 |  | C B A | Closed | FCRE9994 | 2022-10-26 12:04 | 2022-12-21 08:09 | Resolved | 1 - Information C A | Credit | Program Parameters | Program Parameters - LTV | Resolved- - Due Diligence Vendor-12/21/2022 <br>Waived-Finding removed. Per lender guidelines, financed points permitted without LTV limitations. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. Please review uploaded correct exception related to this loan file. - Seller-11/04/2022 <br>Upheld-Documentation provided is not sufficient. Lender exception provided does not match borrower or loan. - Due Diligence Vendor-11/03/2022 <br>Ready for Review-Document Uploaded. Please review uploaded exception form - Seller-11/02/2022 <br>Open-The subject loan does not meet program parameters for LTV. The subject LTV does not meet guidelines. Foreign National DSCR guidelines requires max LTV at 70%, LTV is at 71.40%. No exception in the file for LTV. - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. Please review uploaded correct exception related to this loan file. - Seller-11/04/2022 <br>Ready for Review-Document Uploaded. Please review uploaded exception form - Seller-11/02/2022<br>| Waived-Finding removed. Per lender guidelines, financed points permitted without LTV limitations. - Due Diligence Vendor-12/20/2022<br>|  | FICO 728; Two tradelines reported on credit report; No Bankruptcy; Reserves >12 months present. | 1010930_exception signed.pdf<br>1031374_exception - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031374 |  | C B A | Closed | FCRE6019 | 2022-10-28 10:52 | 2022-10-31 08:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Citizenship Documentation Not Provided | Waived-Borrower 1 Citizenship Documentation Is missing from the file. Active visa status is not documented. Formal exception provided in file. - Due Diligence Vendor-10/28/2022 |  | Waived-Borrower 1 Citizenship Documentation Is missing from the file. Active visa status is not documented. Formal exception provided in file. - Due Diligence Vendor-10/28/2022<br>|  | Reserves>6 months, Experienced investor with 2+ investment properties, Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, Revolving debt is under 30%, No consumer late payments in last 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1031374 |  | C B A | Closed | FPRO8018 | 2022-10-26 09:42 | 2022-10-26 09:42 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/26/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/26/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031374 |  | C B A | Closed | FCOM7273 | 2022-10-25 12:35 | 2022-10-25 13:28 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1010816 |  | C A | Closed | FCRE2344 | 2022-10-26 09:45 | 2022-11-09 10:10 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/09/2022 <br> Ready for Review-Document Uploaded. Please see attached - Seller-11/08/2022 <br> Open-The Purchase Contract Addendum is missing. Purchase contract addendum needed to extend closing date to the Note date of XX-XX-XXXX. - Due Diligence Vendor-10/26/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/08/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/09/2022<br>|  |  | 6201 Addendum to Contract (FAR ACSP-4) (version 5) (19).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1010816 |  | C A | Closed | FCRE7497 | 2022-10-31 08:15 | 2022-11-01 10:03 | Resolved | 1 - Information C A | Credit | Liabilities | Liabilities - REO | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/01/2022 <br> Ready for Review-Document Uploaded. Bor no longer owns XXXX - Seller-11/01/2022 <br> Open-The loan file did not contain sufficient documentation to verify debts associated with all other properties. Documentation is missing for proof of $440 in taxes and insurance expenses disclosed on the 1003 for REO property XXXX that is owned free and clear. - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. Bor no longer owns XXXX - Seller-11/01/2022 | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/01/2022<br>|  |  | 5064.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1010816 |  | C A | Closed | FPRO8018 | 2022-10-26 09:45 | 2022-10-26 09:45 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/26/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/26/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1010816 |  | C A | Closed | FCOM7273 | 2022-10-25 14:19 | 2022-10-25 14:35 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1018609 |  | A | Closed | FCOM7273 | 2022-10-25 13:54 | 2022-10-31 08:07 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-Compliance Findings are present. - Due Diligence Vendor-10/25/2022 |  | Cleared-Compliance Findings are present. - Due Diligence Vendor-10/25/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1018609 |  | A | Closed | FCRE2330 | 2022-10-28 10:35 | 2022-10-28 10:35 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/28/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-10/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1018609 |  | A | Closed | FPRO8018 | 2022-10-26 16:05 | 2022-10-26 16:05 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/26/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/26/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1011294 |  | C A | Closed | FCRE2344 | 2022-10-31 08:50 | 2022-11-28 13:44 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. - Seller-11/28/2022 <br> Upheld-Finding upheld. Purchase contract does not match Closing Disclosure for sales price. Documentation is needed to support final sales price used. Executed contract addendum is needed. - Due Diligence Vendor-11/07/2022 <br> Ready for Review-"It is not required. Please wave condition".<br> - Seller-11/04/2022 <br> Upheld-Finding upheld. Correction to previous finding comment. Original purchase contract reflects sales price of $XXXX. Final Closing Disclosure reflects sales price of $XXXX. Contract addendum is needed for sales price, not closing date. - Due Diligence Vendor-11/02/2022 <br> Ready for Review-Document Uploaded. - Seller-11/01/2022 <br> Open-The Purchase Contract Addendum is missing. Purchase contract indicates sales price of $XXXX and Closing Disclosure reflects sales price of $XXXX. Contract addendum needed to support change in sales price. - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. - Seller-11/28/2022 <br>Ready for Review-"It is not required. Please wave condition".<br> - Seller-11/04/2022 <br>Ready for Review-Document Uploaded. - Seller-11/01/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/28/2022<br>|  |  | 1011294_xxx contract 1.pdf<br> 1011294_xxx contract.pdf<br> 1011294 - xxx addendum.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1011294 |  | C A | Closed | FPRO8018 | 2022-10-26 14:11 | 2022-10-26 14:11 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/26/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/26/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1011294 |  | C A | Closed | FCOM7273 | 2022-10-25 12:21 | 2022-10-25 12:21 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1007333 |  | B A | Closed | FCRE2330 | 2022-11-01 15:49 | 2022-11-01 15:49 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/01/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/01/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1007333 |  | B A | Closed | FCRE1200 | 2022-10-31 11:10 | 2022-11-01 13:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived-Audited loan amount is less than the guideline Minimum loan amount. Formal exception in the file for loan of XXXX, which is less than the minimum amount of XXXX - Due Diligence Vendor-10/31/2022 |  | Waived-Audited loan amount is less than the guideline Minimum loan amount. Formal exception in the file for loan of XXXX, which is less than the minimum amount of XXXX - Due Diligence Vendor-10/31/2022<br>|  | Experienced investor with 2+ investment properties; 0.5 added to the price |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1007333 |  | B A | Closed | FPRO8018 | 2022-10-31 11:15 | 2022-10-31 11:15 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/31/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/31/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1007333 |  | B A | Closed | FCOM7273 | 2022-10-27 11:28 | 2022-10-27 11:43 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/27/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/27/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1011521 |  | C B A | Closed | FCRE1440 | 2022-10-31 15:37 | 2022-11-07 09:52 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/07/2022 <br> Ready for Review-Document Uploaded. - Seller-11/07/2022 <br> Upheld-Documentation such as property profile report or homeowner's insurance is needed to verify ownership of XXXX as file documentation does not verify information per program requirements. - Due Diligence Vendor-11/03/2022 <br> Ready for Review-borrower owns property XXXX - Seller-11/02/2022 <br> Open-Housing history does not meet guideline requirements. Per the guidelines the borrower must own primary residence or must have owned any property within the past 24 months for DSCR program and verification of any mortgage liens on other properties is required. 1003 lists additional REO's as owned; however, documentation of ownership for these properties is not provided in file. Fraud report provided indicates no property ownership history for the borrower. - Due Diligence Vendor-10/31/2022 | Ready for Review-Document Uploaded. - Seller-11/07/2022 <br> Ready for Review-borrower owns property XXXX - Seller-11/02/2022 | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/07/2022<br>|  |  | 1011521_hoi 1422.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011521 |  | C B A | Closed | FCRE2206 | 2022-11-01 07:39 | 2022-11-03 09:08 | Resolved | 1 - Information C A | Credit | Assets | Assets - Insufficient Cash to Close | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/03/2022 <br> Ready for Review-Document Uploaded. - Seller-11/02/2022 <br> Open-The loan file does not contain all required asset documentation. Total verified assets are not sufficient to cover total required assets. Per guidelines dated XX-XX-XXXX (6.8.5), business funds may be used for down payment, closing costs, and reserves. Verification borrower has 25% or more ownership of the business is required. The loan was approved using business assets from XXXX #4642. Documentation showing business ownership percentage is not provided. Without documentation, business funds are not eligible and borrower is short funds to close in the amount of $43,928. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. - Seller-11/02/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/03/2022<br>|  |  | 1011521_OA.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011521 |  | C B A | Closed | FCRE1200 | 2022-10-31 15:04 | 2022-11-01 14:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived-Audited loan amount is less than the guideline Minimum loan amount. Formal exception provided in file for a loan amount of XXXX, less than the minimum of XXXX. - Due Diligence Vendor-10/31/2022 |  | Waived-Audited loan amount is less than the guideline Minimum loan amount. Formal exception provided in file for a loan amount of XXXX, less than the minimum of XXXX. - Due Diligence Vendor-10/31/2022<br>|  | More than 6 months reserves, no consumer late payments in the last 48 months, no credit events in the last 48 months, more than 5 years of credit history. +0.375 added to the price, DSCR must be greater than 1.0, and maximum LTV reduced to 75%. |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1011521 |  | C B A | Closed | FPRO8018 | 2022-10-31 15:15 | 2022-10-31 15:15 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/31/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/31/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011521 |  | C B A | Closed | FCOM7273 | 2022-10-27 09:08 | 2022-10-27 10:38 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/27/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/27/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1012825 |  | C A | Closed | FCRE1964 | 2022-11-01 08:54 | 2022-11-02 09:35 | Resolved | 1 - Information C A | Credit | Income Documentation | Income - Income Documentation Missing | Resolved-Lender revised rents to market $1425 with updated DSCR. Lease not required. - Due Diligence Vendor-11/02/2022 <br>Open-The loan file did not contain the required income documentation. Missing documentation to support the gross monthly rent for the subject property of $1,700. The 1007 in file only supports an estimate market rent of $1,425 and there is no lease agreement or short-term rental estimate in file. - Due Diligence Vendor-11/01/2022 |  | Resolved-Lender revised rents to market $1425 with updated DSCR. Lease not required. - Due Diligence Vendor-11/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1012825 |  | C A | Closed | FPRO8018 | 2022-10-31 17:53 | 2022-10-31 17:53 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/31/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-10/31/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1012825 |  | C A | Closed | FCOM7273 | 2022-10-26 14:37 | 2022-10-26 14:55 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/26/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/26/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1027858 |  | C A | Closed | FVAL2301 | 2022-11-01 07:49 | 2022-11-03 09:18 | Resolved | 1 - Information C A | Property | Appraisal | Missing Doc - Updated Completion Report (442/1004D) Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/03/2022 <br> Ready for Review-Document Uploaded. Please review PDI report uploaded. - Seller-11/03/2022 <br> Open-The loan file did not contain the updated completion report (442/1004D) as required. Effective date of appraisal is XX-XX-XXXX. Disaster Declaration due to Hurricane Ian is XX-XX-XXXX. Property located in FEMA declared disaster area. Inspection / Reinspection is needed. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. Please review PDI report uploaded. - Seller-11/03/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/03/2022<br>|  |  | 1027858_PDI.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1027858 |  | C A | Closed | FCRE1479 | 2022-10-26 15:03 | 2022-11-03 09:17 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Finding removed. - Due Diligence Vendor-11/03/2022 <br>Ready for Review-N/a.Per guide lines states "When assets from business bank statements are used for income qualification, verification that the use of funds will not have a negative impact on the business must be documented with one of the following:Letter from CPA or certified tax preparer.<br> o Fannie Mae Cash Flow Analysis Form 1084 or similar cash flow analysis form using the most recent 3 months of business bank statements.<br> On this file business funds were not used for closing or for income qualification, we did not need a CPA to confirm business funds could be used for reserves. - Seller-11/02/2022 <br>Open-Asset does not meet G/L Requirements. Missing documentation to confirm use of business funds for reserves will not have a negative impact on the business, as required by section 6.8.5 Business Funds guideline. - Due Diligence Vendor-11/01/2022 | Ready for Review-N/a.Per guide lines states "When assets from business bank statements are used for income qualification, verification that the use of funds will not have a negative impact on the business must be documented with one of the following:Letter from CPA or certified tax preparer.<br> o Fannie Mae Cash Flow Analysis Form 1084 or similar cash flow analysis form using the most recent 3 months of business bank statements.<br> On this file business funds were not used for closing or for income qualification, we did not need a CPA to confirm business funds could be used for reserves. - Seller-11/02/2022<br>| Resolved-Finding removed. - Due Diligence Vendor-11/03/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1027858 |  | C A | Closed | FPRO8018 | 2022-11-01 07:49 | 2022-11-01 07:49 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/01/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/01/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1027858 |  | C A | Closed | FCOM7273 | 2022-10-27 09:59 | 2022-10-27 10:22 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/27/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/27/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1030995 |  | C A | Closed | FPRO8051 | 2022-11-01 10:09 | 2022-11-11 09:53 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal - Comparable property has location outside typical guidelines/Unacceptable | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/11/2022 <br> Ready for Review-Document Uploaded. Please review updated appraisal report with adding two additional comparables outside the subject subdivision. - Seller-11/10/2022 <br> Upheld-Finding upheld. Comparable sales from outside subject's new construction development are needed per A&D guidelines. - Due Diligence Vendor-11/08/2022 <br> Ready for Review-The appraiser noted that the comparable used were because they were the most similar homes in the area, with common variables like recent sales, floor plan, etc.<br> please refer to Summary of Sales Comparison approach "ALL FIVE OF THE COMPARABLES USED WERE SIMILAR NEW OR NEWER CONSTRUCTION HOMES AND WERE<br> LOCATED IN THE IMMEDIATE SUBJECT AREA IN THE SAME XXXX AS THE SUBJECT. AFTER ADJUSTMENTS WERE MADE,<br> EACH INDICATED A SIMILAR MARKET VALUE. ALL FIVE COMPARABLES WERE SOME OF THE BEST TYPICAL SALE COMPARABLES WITH SIMILAR FLOOR<br> PLANS AS THE SUBJECT AND WERE GIVEN A SIMILAR WEIGHT. ALL FIVE COMPARABLES USED HAD SOLD IN THE LAST SIX MONTHS AND WERE SOME OF<br> THE BEST INDICATORS OF THE SUBJECT'S CURRENT MARKET VALUE. ALL FIVE COMPARABLES USED WERE NEW OR NEWER CONSTRUCTION SALES AND<br> DEEMED TO BE SIMILAR IN QUALITY OF CONSTRUCTION AS THE SUBJECT. THE SUBJECT AND ALL FIVE COMPARABLES USED ALL HAD THE SAME OAK<br> MOUNTAIN SCHOOLS. AFTER CARERFUL ANALYSIS & THE PROPER ADJUSTMENTS, A FINAL OPINION OF VALUE WAS GIVEN. SEE THE ADDITIONAL<br> COMMENTS AT THE BOTTOM OF THE ADDITIONAL COMPARABLES PAGE & ALSO ADDENDUM "A" - Seller-11/04/2022 <br> Upheld-Finding upheld. Exception is not for distance of appraisal comps. Guidelines state at least 2 comparable sales must be located outside of subject development on new construction purchases. All comparables provided are located within same subdivision. - Due Diligence Vendor-11/03/2022 <br> Ready for Review-Appraisal contains 3 comparable sales with in 0.18 -0.27 miles from the subject property. - Seller-11/03/2022 <br> Open-The appraiser used one or more comparable properties that had locations exceeding typical guidelines which was unacceptable and effected value. Subject property is new construction. XXXX Guidelines dated 9/6/2022, section 9.1.1, comparable sales guideline states at least 2 close comparable sales must be located outside of subject project development. Appraiser states in the appraisal report all five of the comparable used were similar new or newer construction homes and were located in the immediate subject area in the same Eagle Point Griffin Park subdivision as the subject. No exception in file. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. Please review updated appraisal report with adding two additional comparables outside the subject subdivision. - Seller-11/10/2022 <br> Ready for Review-The appraiser noted that the comparable used were because they were the most similar homes in the area, with common variables like recent sales, floor plan, etc.<br> please refer to Summary of Sales Comparison approach "ALL FIVE OF THE COMPARABLES USED WERE SIMILAR NEW OR NEWER CONSTRUCTION HOMES AND WERE<br> LOCATED IN THE IMMEDIATE SUBJECT AREA IN THE SAME XXXX AS THE SUBJECT. AFTER ADJUSTMENTS WERE MADE,<br> EACH INDICATED A SIMILAR MARKET VALUE. ALL FIVE COMPARABLES WERE SOME OF THE BEST TYPICAL SALE COMPARABLES WITH SIMILAR FLOOR<br> PLANS AS THE SUBJECT AND WERE GIVEN A SIMILAR WEIGHT. ALL FIVE COMPARABLES USED HAD SOLD IN THE LAST SIX MONTHS AND WERE SOME OF<br> THE BEST INDICATORS OF THE SUBJECT'S CURRENT MARKET VALUE. ALL FIVE COMPARABLES USED WERE NEW OR NEWER CONSTRUCTION SALES AND<br> DEEMED TO BE SIMILAR IN QUALITY OF CONSTRUCTION AS THE SUBJECT. THE SUBJECT AND ALL FIVE COMPARABLES USED ALL HAD THE SAME OAK<br> MOUNTAIN SCHOOLS. AFTER CARERFUL ANALYSIS & THE PROPER ADJUSTMENTS, A FINAL OPINION OF VALUE WAS GIVEN. SEE THE ADDITIONAL<br> COMMENTS AT THE BOTTOM OF THE ADDITIONAL COMPARABLES PAGE & ALSO ADDENDUM "A" - Seller-11/04/2022 <br> Ready for Review-Appraisal contains 3 comparable sales with in 0.18 -0.27 miles from the subject property. - Seller-11/03/2022 | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/11/2022<br>|  |  | 1030995_xxx(2)_Revised.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1030995 |  | C A | Closed | FCRE2330 | 2022-11-01 09:42 | 2022-11-02 13:21 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared- - Due Diligence Vendor-11/02/2022 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1030995 |  | C A | Closed | FPRO8018 | 2022-11-01 09:47 | 2022-11-01 10:09 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/01/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/01/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1030995 |  | C A | Closed | FCOM7273 | 2022-10-27 13:57 | 2022-10-27 14:50 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/27/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/27/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1027950 |  | C A | Closed | FPRO8051 | 2022-11-01 11:31 | 2022-11-09 16:29 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal - Comparable property has location outside typical guidelines/Unacceptable | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/09/2022 <br> Ready for Review-Document Uploaded. Please review uploaded updated appraisal report with comments provided on page 9 - Seller-11/08/2022 <br> Upheld-Finding upheld. Comparable sales from outside subject's new construction development are needed per XXXX guidelines. - Due Diligence Vendor-11/08/2022 <br> Ready for Review-Appraiser indicates comment: Sales utilized are best available at time of inspection. All sales are located in close proximity to the subject property and<br> within the same market area. Sales are most similar in terms of quality of construction, style, condition, GLA, actual age, amenities, location and close proximity.<br> No exception is needed.<br> - Seller-11/04/2022 <br> Upheld-Finding upheld. Exception is not for distance of appraisal comps. Guidelines state at least 2 comparable sales must be located outside of subject development on new construction purchases. All comparables provided are located within same subdivision. - Due Diligence Vendor-11/03/2022 <br> Ready for Review-Per appraisal 3 comparable sales were used; Comparable Sale #1 with in 0.05 mile, Comparable sale #2 with in 0.07 miles, comparable sale #3 with in 0.05 miles.<br> - Seller-11/03/2022 <br> Open-The appraiser used one or more comparable properties that had locations exceeding typical guidelines which was unacceptable and effected value. Subject property is new construction. XXXX Guidelines dated XX-XX-XXX, section 9.1.1, comparable sales guideline states at least 2 close comparable sales must be located outside of subject project development. The appraisal report reflects three comparable sales with similar addresses, all within .10 miles of subject property and appear to all be from the subject project development. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. Please review uploaded updated appraisal report with comments provided on page 9 - Seller-11/08/2022 <br>Ready for Review-Appraiser indicates comment: Sales utilized are best available at time of inspection. All sales are located in close proximity to the subject property and<br> within the same market area. Sales are most similar in terms of quality of construction, style, condition, GLA, actual age, amenities, location and close proximity.<br> No exception is needed.<br> - Seller-11/04/2022 <br>Ready for Review-Per appraisal 3 comparable sales were used; Comparable Sale #1 with in 0.05 mile, Comparable sale #2 with in 0.07 miles, comparable sale #3 with in 0.05 miles.<br> - Seller-11/03/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/09/2022<br>|  |  | 1027950_appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1027950 |  | C A | Closed | FCRE2330 | 2022-11-01 11:28 | 2022-11-01 11:28 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/01/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/01/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1027950 |  | C A | Closed | FCOM7273 | 2022-10-27 14:01 | 2022-10-27 18:29 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1024836 |  | C B A | Closed | FCRE1441 | 2022-11-01 14:04 | 2022-11-09 10:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Lender exception provided. - Due Diligence Vendor-11/09/2022 <br> Ready for Review-Document Uploaded. See attached - Seller-11/09/2022 <br> Open-Delinquent Credit History does not meet guideline requirements. Per guidelines dated XX-XX-XXXX) collection and charge-offs 24 months old with a maximum of $2,500 per occurrence must be paid in full. The borrower has two charge-off balances of $7935 and $3714. There is no documentation in the file showing that these charge-offs have been paid. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. See attached - Seller-11/09/2022<br>| Waived-Lender exception provided. - Due Diligence Vendor-11/09/2022<br>|  | Experienced investor with 2+ properties; No consumer late payments in last 48 months; No credit events last 48 months. | 1024836 Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Post-Close | Yes |
| 1024836 |  | C B A | Closed | FCRE1194 | 2022-11-01 13:55 | 2022-11-09 10:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender exception provided. - Due Diligence Vendor-11/09/2022 <br>Ready for Review-Document Uploaded. See attached - Seller-11/09/2022 <br>Open-Audited LTV exceeds guideline LTV. Max allowable LTV is 60% with qualifying FICO of 619. Formal exception provided in file, however, it is approved to 65% LTV with a requirement of DSCR >1.0. Actual LTV is 65.62% and approved DSCR is 0.53. Lender exception is not valid for LTV finding. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. See attached - Seller-11/09/2022<br>| Waived-Lender exception provided. - Due Diligence Vendor-11/09/2022<br>|  | Experienced investor with 2+ properties; No consumer late payments in last 48 months; No credit events last 48 months. | 1024836 Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Post-Close | Yes |
| 1024836 |  | C B A | Closed | FPRO8006 | 2022-11-01 15:21 | 2022-11-08 12:19 | Resolved | 1 - Information C A | Property | Property Issue | Property Issue - Rent Schedule Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/08/2022 <br>Upheld-Finding upheld. Property is a single family residence, not a 2-4 unit, and appraisal form 1004 was used. Form 1007 is needed for market rents when appraisal form 1004 is used. - Due Diligence Vendor-11/07/2022 <br>Ready for Review-2-4 unit do not require a 1007 - Seller-11/04/2022 <br>Open-The property was a 2-4 unit multi-family or single family residential investment and appraisal did not contain the Comparable Rent Schedule. The 1007 is missing to support the third-party market value of rent. - Due Diligence Vendor-11/01/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/08/2022 <br>Ready for Review-2-4 unit do not require a 1007 - Seller-11/04/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/08/2022<br>|  |  | xxx(K2-152800)-V2.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| 1024836 |  | C B A | Closed | FCOM7273 | 2022-10-27 15:54 | 2022-10-28 08:18 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/28/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/28/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| 1011290 |  | A | Closed | FCOM7273 | 2022-10-31 11:44 | 2022-11-02 13:23 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/31/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/31/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1011290 |  | A | Closed | FCRE2330 | 2022-11-01 16:31 | 2022-11-01 16:31 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/01/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/01/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1011290 |  | A | Closed | FPRO8018 | 2022-11-01 16:19 | 2022-11-01 16:19 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/01/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/01/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1018095 |  | A | Closed | FPRO8018 | 2022-11-02 12:39 | 2022-11-02 15:52 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/02/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1018095 |  | A | Closed | FCRE2330 | 2022-11-02 12:40 | 2022-11-02 15:52 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/02/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1018095 |  | A | Closed | FCOM7273 | 2022-10-31 09:37 | 2022-10-31 14:38 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/31/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-10/31/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031975 |  | C A | Closed | FCRE6019 | 2022-11-01 09:40 | 2022-11-14 11:22 | Resolved | 1 - Information C A | Credit | Eligibility | Citizenship Documentation Not Provided | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/14/2022 <br>Ready for Review-Document Uploaded. see attached - Seller-11/14/2022 <br>Upheld-Documentation is partially sufficient. Lender provided proof of US Citizenship. Updated 1003 is needed to correct stated citizenship as Non-Permanent Resident is selected. - Due Diligence Vendor-11/08/2022 <br>Ready for Review-Document Uploaded. please see attached - Seller-11/08/2022 <br>Open-Per guidelines for a non-permanent resident alien need to have a current, verified status, which may be documented by a valid employment authorization document (EAD) supported by I 797 form, or other documentation showing immigration status is current (e.g., Green Card, work visa, etc.) Immigration status documentation is missing from the file. - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. see attached - Seller-11/14/2022 <br>Ready for Review-Document Uploaded. please see attached - Seller-11/08/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/14/2022<br>|  |  | Passport US citizen.pdf<br>1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031975 |  | C A | Closed | FPRO8018 | 2022-11-03 13:25 | 2022-11-03 15:19 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/03/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/03/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031975 |  | C A | Closed | FCOM7273 | 2022-11-02 09:18 | 2022-11-02 09:18 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/02/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1011443 |  | A | Closed | FCOM7273 | 2022-11-01 14:43 | 2022-11-07 11:09 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-Compliance Findings are present. - Due Diligence Vendor-11/04/2022 |  | Cleared-Compliance Findings are present. - Due Diligence Vendor-11/04/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1011443 |  | A | Closed | FPRO8018 | 2022-11-02 14:13 | 2022-11-02 14:13 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/02/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1011443 |  | A | Closed | FCRE2330 | 2022-11-02 12:12 | 2022-11-02 12:12 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/02/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1010945 |  | C B A | Closed | FPRO8051 | 2022-11-02 08:09 | 2022-11-22 11:07 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal - Comparable property has location outside typical guidelines/Unacceptable | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/22/2022 <br> Ready for Review-Document Uploaded. Please review uploaded revised appraisal report with additional two comparable sales and comments from appraiser. - Seller-11/21/2022 <br> Open-The appraiser used one or more comparable properties that had locations exceeding typical guidelines which was unacceptable and effected value. Subject property is new construction. XXXX Guidelines dated XX-XX-XXXX, section 9.1.1, comparable sales guideline states at least 2 close comparable sales must be located outside of subject project development. Appraiser states in the appraisal report all five of the comparables used are located in the subject's community. No exception in file. - Due Diligence Vendor-11/02/2022 | Ready for Review-Document Uploaded. Please review uploaded revised appraisal report with additional two comparable sales and comments from appraiser. - Seller-11/21/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/22/2022<br>|  |  | 1010945_xxx_Revised.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1010945 |  | C B A | Closed | FCRE2304 | 2022-11-03 10:50 | 2022-11-07 11:20 | Waived | 2 - Non-Material B | Credit | Gift Letter | Gift Letter - No Evidence for Transfer of Funds | Waived-No evidence of the transfer of gift funds from the donor to the borrower was located in the file. Per the guideline's when the funds are not transferred prior to settlement, the lender must document that the donor gave the closing agent the gift funds in the form of a certified check, cashier's check, other official check or wire. Formal lender exception provided in file. - Due Diligence Vendor-11/04/2022 |  | Waived-No evidence of the transfer of gift funds from the donor to the borrower was located in the file. Per the guideline's when the funds are not transferred prior to settlement, the lender must document that the donor gave the closing agent the gift funds in the form of a certified check, cashier's check, other official check or wire. Formal lender exception provided in file. - Due Diligence Vendor-11/04/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 1010945 |  | C B A | Closed | FCOM7273 | 2022-11-04 07:46 | 2022-11-04 07:46 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/04/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/04/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031007 |  | A | Closed | FPRO8018 | 2022-11-03 13:40 | 2022-11-03 13:40 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/03/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/03/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031007 |  | A | Closed | FCRE2330 | 2022-11-03 13:40 | 2022-11-03 13:40 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/03/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/03/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031007 |  | A | Closed | FCOM7273 | 2022-11-02 23:18 | 2022-11-02 23:18 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/03/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/03/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031201 |  | C A | Closed | FCRE4104 | 2022-11-03 14:31 | 2022-11-09 10:07 | Resolved | 1 - Information C A | Credit | Assets | Assets - Large Deposits | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/09/2022 <br> Ready for Review-Document Uploaded. Please see attached - Seller-11/08/2022 <br> Open-The bank statement from XXXX #XXXX reflects a large deposit iao $60,000 on XX-XX-XXXX. A letter of explanation in file states this was from an accident settlement and that the settlement letter and statement were attached. This supporting documentation was not provided in file to correctly source this deposit. These funds are needed for asset / reserve qualification. - Due Diligence Vendor-11/04/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/08/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/09/2022<br>|  |  | Settlement letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031201 |  | C A | Closed | FPRO8018 | 2022-11-03 14:28 | 2022-11-03 14:28 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/03/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/03/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031201 |  | C A | Closed | FCOM7273 | 2022-11-02 15:06 | 2022-11-03 06:48 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/03/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/03/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031091 |  | C B A | Closed | FCRE1198 | 2022-11-03 14:49 | 2022-11-28 13:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Lender exception provided for reserve shortage. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/23/2022 <br>Upheld-Documentation provided is not sufficient. Gift funds are properly documented. Borrower does not have sufficient personal assets to meet reserve requirements. - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. - Seller-11/18/2022 <br>Open-Audited reserves months are less than the guideline required reserve months. Gift funds in the amount of $55,000 were sent directly to the title company and excess funds disclosed as returned to donor. Borrower personal funds only eligible for reserves iao $3312.73 which is short $548.81 of 3 month reserve requirement of $3861.54.<br> - Due Diligence Vendor-11/04/2022 | Ready for Review-Document Uploaded. - Seller-11/23/2022 <br>Ready for Review-Document Uploaded. - Seller-11/18/2022<br>| Waived-Lender exception provided for reserve shortage. - Due Diligence Vendor-11/28/2022<br>|  | Borrower FICO 671; Low liabilities. | gift funds wire.pdf<br>1031091_exception short reserves - signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes |
| 1031091 |  | C B A | Closed | FPRO1244 | 2022-11-03 14:56 | 2022-11-21 09:01 | Resolved | 1 - Information C A | Property | Third Party Valuation | Missing Doc - 3rd Party Valuation Product/Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Document Uploaded. - Seller-11/18/2022 <br> Open-The loan file did not contain the required 3rd party valuation product. Fannie Mae Collateral Underwriter score is 3.7, AVM from VeroValue shows confidence score of 88, which does not meet minimum requirement of 90% per XXXX guidelines. Additional valuation product is needed. - Due Diligence Vendor-11/04/2022 | Ready for Review-Document Uploaded. - Seller-11/18/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022<br>|  |  | 1031091_CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031091 |  | C B A | Closed | FCRE1195 | 2022-11-03 14:49 | 2022-11-09 10:04 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/09/2022 <br> Ready for Review-Document Uploaded. See attached - Seller-11/09/2022 <br> Open-Audited CLTV exceeds guideline CLTV. Super Prime matrix dated XX-XX-XXXX for purchase of a 1 unit SFR with 671 rep FICO indicates max LTV is 75%. Loan is approved at an CLTV of 76.01%. No exception in the file. - Due Diligence Vendor-11/03/2022 | Ready for Review-Document Uploaded. See attached - Seller-11/09/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/09/2022<br>|  |  | LOX 1031091.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031091 |  | C B A | Closed | FCOM7273 | 2022-11-03 08:03 | 2022-11-03 08:36 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/03/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/03/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1030977 |  | C B A | Closed | FCRE3978 | 2022-11-04 08:16 | 2022-11-10 14:05 | Waived | 2 - Non-Material C B | Credit | Credit Documentation | Credit Documentation - Letter of Explanation | Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-11/10/2022 <br> Ready for Review-Document Uploaded. Per underwriter's explanation LOE is not required ,exception is not needed either .Please review uploaded document from underwriter. - Seller-11/09/2022 <br> Upheld-Finding upheld. Per XXXX guidelines, a detailed explanation letter that specifically addresses both the purpose and outcome of each inquiry in the last 90 days is required when such inquiry did not result in new debt. No specific exclusion for DSCR is noted in guidelines. - Due Diligence Vendor-11/08/2022 <br> Ready for Review-Lox is not required on credit inquiries since loan file is DSCR-no DTI. - Seller-11/08/2022 <br> Open-The loan file did not contain a letter of explanation as required. Missing LOE for the additional inquiries listed on the credit report from Premium Credit Bureau dated XX-XX-XXXX, XX-XX-XXXX, and XX-XX-XXXX, and Columbus Capital Lending dated XX-XX-XXXX. - Due Diligence Vendor-11/04/2022 | Ready for Review-Document Uploaded. Per underwriter's explanation LOE is not required ,exception is not needed either .Please review uploaded document from underwriter. - Seller-11/09/2022 <br>Ready for Review-Lox is not required on credit inquiries since loan file is DSCR-no DTI. - Seller-11/08/2022<br>| Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-11/10/2022<br>|  | Fico 715; No Bankruptcy; Loan file is DSCR with no DTI, REO's disclosed as free/clear. | 1030977_lox from underwriting team lead.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| 1030977 |  | C B A | Closed | FCRE7497 | 2022-11-04 07:56 | 2022-11-10 14:05 | Waived | 2 - Non-Material C B | Credit | Liabilities | Liabilities - REO | Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-11/10/2022 <br> Ready for Review-For DSCR loans, if an REO is listed as free and clear at initial, we do not need proof since DTI does not matter on DSCR. - Seller-11/09/2022 <br> Upheld-Documentation provided is not sufficient. VOM provided for subject property. Additional properties on 1003 are marked as owned free/clear: XXXX, XXXX, XXXX. These properties require verification of free/clear status via property profile report or homeowners insurance verifying no lien holders. - Due Diligence Vendor-11/08/2022 <br> Ready for Review-Document Uploaded. VOM was in file-please review it.It's ben re-uploaded for your reference. - Seller-11/08/2022 <br> Open-Non-QM Loan Eligibility Guidelines effective dated XX-XX-XXXX, section 6.5.7 Mortgage Payment History under Housing Payment History for Additional Properties Owned by Borrower, states when the borrower owns additional property other than the subject property, verification of any mortgage liens on the other properties is required. Final 1003 provided indicate other property owned is free and clear. Missing Homeowners insurance indicating no mortgagee or 3rd party lien search verifying the properties are owned free and clear. - Due Diligence Vendor-11/04/2022 | Ready for Review-For DSCR loans, if an REO is listed as free and clear at initial, we do not need proof since DTI does not matter on DSCR. - Seller-11/09/2022 <br>Ready for Review-Document Uploaded. VOM was in file-please review it.It's ben re-uploaded for your reference. - Seller-11/08/2022<br>| Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-11/10/2022<br>|  | Fico 715; No Bankruptcy; Loan file is DSCR with no DTI, REO's disclosed as free/clear. | 1030977_VOM.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| 1030977 |  | C B A | Closed | FCRE2246 | 2022-11-04 07:56 | 2022-11-10 14:04 | Waived | 2 - Non-Material C B | Credit | Credit Profile | Credit Profile - Mortgage Payment History | Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-11/10/2022 <br> Waived- - Due Diligence Vendor-11/10/2022 <br> Ready for Review-Document Uploaded. Please review uploaded exception form - Seller-11/09/2022 <br> Upheld-Finding upheld. Per XXXX guidelines, 3 months most recent cancelled checks and/or bank statements are required when VOM is from private party. - Due Diligence Vendor-11/08/2022 <br> Ready for Review-Document Uploaded. VOM along with payoff were located in loan file. - Seller-11/08/2022 <br> Open-Subject mortgage payment history indicates at least 1x30 late payment which exceeds guidelines for derogatory mortgage history. Additionally, loan file is missing evidence of 3 months canceled checks or bank statements for proof of subject mortgage payments. XXXX Guidelines effective XX-XX-XXXX, section 6.5.7 Mortgage Payment History, states Mortgage payment history for the subject property must be verified for the most recent 12 months for mortgages not reported on credit report. Cancelled checks or bank statements with ACH transfers for the most recent 3 months to verify the validity of the 12-month VOM are required if the mortgage is held by a private lender. - Due Diligence Vendor-11/04/2022 | Ready for Review-Document Uploaded. Please review uploaded exception form - Seller-11/09/2022 <br>Ready for Review-Document Uploaded. VOM along with payoff were located in loan file. - Seller-11/08/2022<br>| Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-11/10/2022<br>|  | Fico 715; No Bankruptcy; Loan file is DSCR with no DTI, REO's disclosed as free/clear | 1030977_payoff xxx.pdf<br> 1030977_VOM.pdf<br> 1030977_exception form - signed.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| 1030977 |  | C B A | Closed | FPRO8018 | 2022-11-04 07:56 | 2022-11-04 07:56 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/04/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/04/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1030977 |  | C B A | Closed | FCOM7273 | 2022-11-02 15:11 | 2022-11-03 07:38 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1031215 |  | B A | Closed | FCRE8201 | 2022-11-04 12:54 | 2022-11-07 11:41 | Waived | 2 - Non-Material B | Credit | Program Parameters | Program Parameters - Guidelines Conformity | Waived-The subject loan does not conform to program guidelines. Property area exceeds 10 acres. Formal exception provided in file. - Due Diligence Vendor-11/04/2022 |  | Waived-The subject loan does not conform to program guidelines. Property area exceeds 10 acres. Formal exception provided in file. - Due Diligence Vendor-11/04/2022<br>|  | Reserves are greater than 6 months, borrower contribution exceeds requirement by more than 5%, credit score is 40% higher than minimum required, CLTV is 10% below the maximum allowed, 2 borrowers are on the loan, revolving debt is under 30%, no consumer late payments in the past 48 months, no mortgage late payments in the past 24 months, no credit events in the past 48 months, and borrowers have more than 5 years of credit history. +0.25 was added to the rate on top of rural pricing, and maximum LTV reduced to 55%. |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1031215 |  | B A | Closed | FPRO8018 | 2022-11-04 10:04 | 2022-11-04 13:00 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/04/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/04/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031215 |  | B A | Closed | FCOM7273 | 2022-11-02 15:52 | 2022-11-02 15:52 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/02/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1012845 |  | C B A | Closed | FCRE2344 | 2022-11-08 09:33 | 2022-11-17 10:20 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/17/2022 <br> Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/17/2022 <br> Upheld-Finding upheld. Contract addendum / extension is needed when closing is outside contractual dates. - Due Diligence Vendor-11/09/2022 <br> Ready for Review-It is not required. Please wave condition. Thank you! - Seller-11/09/2022 <br> Open-The Purchase Contract Addendum is missing. Purchase contract indicates it expires 30 days after indicated closing date of XX-XX-XXXX. The loan was closed XX-XX-XXXX which exceeds 30 days. Contract extension addendum is needed. - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. Please, find attached. Thank you! - Seller-11/17/2022 <br>Ready for Review-It is not required. Please wave condition. Thank you! - Seller-11/09/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/17/2022<br>|  |  | 1012845_PC addendum.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1012845 |  | C B A | Closed | FCRE1440 | 2022-11-08 08:26 | 2022-11-08 14:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing history does not meet guideline requirements. Borrower is a first-time home buyer which is not permitted on DSCR. Formal exception provided in file. - Due Diligence Vendor-11/08/2022 |  | Waived-Housing history does not meet guideline requirements. Borrower is a first-time home buyer which is not permitted on DSCR. Formal exception provided in file. - Due Diligence Vendor-11/08/2022<br>|  | Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months, Several income sources and DTI below 45% |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1012845 |  | C B A | Closed | FCRE9994 | 2022-11-08 14:38 | 2022-11-08 14:38 | Waived | 2 - Non-Material B | Credit | Program Parameters | Program Parameters - LTV | Waived-The subject loan does not meet program parameters for LTV. The subject LTV does not meet guidelines. 70% is max allowable LTV for DSCR <1.0. Loan closed at 80% LTV which exceeds guidelines by 10%. Formal lender exception provided in file. - Due Diligence Vendor-11/08/2022 |  | Waived-The subject loan does not meet program parameters for LTV. The subject LTV does not meet guidelines. 70% is max allowable LTV for DSCR <1.0. Loan closed at 80% LTV which exceeds guidelines by 10%. Formal lender exception provided in file. - Due Diligence Vendor-11/08/2022<br>|  | Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1012845 |  | C B A | Closed | FPRO8018 | 2022-11-08 09:59 | 2022-11-08 09:59 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1012845 |  | C B A | Closed | FCOM7273 | 2022-11-04 09:11 | 2022-11-04 09:11 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/04/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/04/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1015242 |  | A | Closed | FPRO8018 | 2022-11-08 11:24 | 2022-11-08 11:24 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1015242 |  | A | Closed | FCRE2330 | 2022-11-08 11:24 | 2022-11-08 11:24 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/08/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1015242 |  | A | Closed | FCOM7273 | 2022-11-04 09:41 | 2022-11-04 09:41 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1030990 |  | C B A | Closed | FVAL5524 | 2022-11-08 14:20 | 2022-11-09 16:26 | Waived | 2 - Non-Material C B | Property | Property Issue | Property Issue - Ineligible Property | Waived- - Due Diligence Vendor-11/09/2022 <br> Ready for Review-Document Uploaded. Please see attached - Seller-11/09/2022 <br> Open-The subject is an ineligible property and not allowed per guidelines. Per guidelines dated XX-XX-XXXX, section 7.1.3 Rural and Agricultural Properties, XXXX will originate rural properties for 1 unit (SFR) only. Subject property is rural per appraisal report and is a 3 unit property. - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/09/2022<br>|  |  | Mid FICO 748; No consumer late payments or credit events past 48 months. | exception 1030990.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes |
| 1030990 |  | C B A | Closed | FPRO8018 | 2022-11-08 14:22 | 2022-11-08 14:22 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1030990 |  | C B A | Closed | FCRE2330 | 2022-11-08 07:30 | 2022-11-08 13:43 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-Credit Findings are present. - Due Diligence Vendor-11/08/2022 |  | Cleared-Credit Findings are present. - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1030990 |  | C B A | Closed | FCOM7273 | 2022-11-04 10:37 | 2022-11-04 11:26 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/04/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/04/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1032116 |  | B A | Closed | FPRO8031 | 2022-11-08 15:06 | 2022-11-08 15:06 | Waived | 2 - Non-Material B | Property | Appraisal | Appraisal - Other | Waived-There are additional appraisal findings. Appraisal 1004D is transferred from another lender. Formal exception provided in file. - Due Diligence Vendor-11/08/2022 |  | Waived-There are additional appraisal findings. Appraisal 1004D is transferred from another lender. Formal exception provided in file. - Due Diligence Vendor-11/08/2022<br>|  | Credit score |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1032116 |  | B A | Closed | FCRE2330 | 2022-11-08 07:52 | 2022-11-08 07:52 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/08/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1032116 |  | B A | Closed | FPRO8018 | 2022-11-08 07:46 | 2022-11-08 07:46 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1032116 |  | B A | Closed | FCOM7273 | 2022-11-04 07:40 | 2022-11-04 07:40 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/04/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/04/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1032088 |  | A | Closed | FCRE2330 | 2022-11-08 12:26 | 2022-11-08 12:26 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/08/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1032088 |  | A | Closed | FPRO8018 | 2022-11-08 12:25 | 2022-11-08 12:25 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1032088 |  | A | Closed | FCOM7273 | 2022-11-07 08:28 | 2022-11-07 09:27 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/07/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/07/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011298 |  | C B A | Closed | FCRE1200 | 2022-11-08 13:45 | 2022-11-11 09:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived-Lender exception provided. - Due Diligence Vendor-11/11/2022 <br> Ready for Review-Document Uploaded. Please review uploaded exception form - Seller-11/10/2022 <br> Ready for Review-Please review uploaded exception form - Seller-11/10/2022 <br> Open-Audited loan amount is less than the guideline Minimum loan amount. Guideline minimum loan amount is $XXXX. Loan amount closed at $XXXX which is less than minimum. No exception provided in file. <br> - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. Please review uploaded exception form - Seller-11/10/2022 <br>Ready for Review-Please review uploaded exception form - Seller-11/10/2022<br>| Waived-Lender exception provided. - Due Diligence Vendor-11/11/2022<br>|  | FICO 746; No Bankruptcy. | 1011298_exception form - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Post-Close | Yes |
| 1011298 |  | C B A | Closed | FCRE1493 | 2022-11-08 13:53 | 2022-11-09 11:39 | Waived | 2 - Non-Material B | Credit | Credit Profile | Credit Profile - Insufficient Tradelines | Waived-The documented tradelines do not meet the minimum tradelines required per guidelines. Borrower has limited tradelines. Two active tradelines report with one reporting <12 months. Formal lender exception provided in file. - Due Diligence Vendor-11/08/2022 |  | Waived-The documented tradelines do not meet the minimum tradelines required per guidelines. Borrower has limited tradelines. Two active tradelines report with one reporting <12 months. Formal lender exception provided in file. - Due Diligence Vendor-11/08/2022<br>|  | Credit score >40% than minimum required, No consumer late payments in last 48 months, No mortgage late payments in last 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes |
| 1011298 |  | C B A | Closed | FPRO8018 | 2022-11-08 13:50 | 2022-11-08 13:50 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| 1011298 |  | C B A | Closed | FCOM7273 | 2022-11-07 07:16 | 2022-11-07 07:50 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/07/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/07/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| 1031448 |  | C A | Closed | FCRE4104 | 2022-11-08 14:48 | 2022-11-17 10:22 | Resolved | 1 - Information C A | Credit | Assets | Assets - Large Deposits | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/17/2022 <br> Ready for Review-Document Uploaded. Please see attached - Seller-11/16/2022 <br> Open-The loan file does not contain all required asset documentation. Asset statements in file verified a large deposit which has been removed from qualifying assets as the loan file did not contain the required explanation and supporting documentation to source the large deposit. The bank statement contains a large deposit of $XXXX from Raven Title on XX-XX-XXXX. Documentation to source these funds is not provided in file. - Due Diligence Vendor-11/08/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/16/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/17/2022<br>|  |  | large deposit evidence.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031448 |  | C A | Closed | FPRO8018 | 2022-11-08 14:45 | 2022-11-08 14:45 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031448 |  | C A | Closed | FCOM7273 | 2022-11-07 06:09 | 2022-11-07 11:21 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/07/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/07/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1030905 |  | A | Closed | finding-2559 | 2022-11-07 09:10 | 2022-11-09 11:55 | Resolved | 1 - Information A | Compliance | Points & Fees | NY Subprime Home Loan Test | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-11/07/2022 |  | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-11/07/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1030905 |  | A | Closed | FCRE2330 | 2022-11-09 09:07 | 2022-11-09 09:07 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/09/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/09/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1030905 |  | A | Closed | FPRO8018 | 2022-11-08 15:12 | 2022-11-08 15:12 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/08/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1006303 |  | A | Closed | FCRE2330 | 2022-11-11 12:04 | 2022-11-11 12:04 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/11/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/11/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1006303 |  | A | Closed | FPRO8018 | 2022-11-10 09:23 | 2022-11-10 09:23 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1006303 |  | A | Closed | FCOM7273 | 2022-11-08 07:44 | 2022-11-08 07:44 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/08/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1006304 |  | A | Closed | FCRE2330 | 2022-11-10 12:04 | 2022-11-10 12:04 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/10/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/10/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1006304 |  | A | Closed | FPRO8018 | 2022-11-10 11:24 | 2022-11-10 11:24 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1006304 |  | A | Closed | FCOM7273 | 2022-11-08 22:20 | 2022-11-09 07:54 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/09/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/09/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011280 |  | C B A | Closed | FCRE1442 | 2022-11-10 09:28 | 2022-12-13 13:25 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 1 Expired | Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-12/13/2022 <br> Ready for Review-Document Uploaded. See attached - Seller-12/13/2022 <br> Open-Asset expired. Guidelines state documentation age requirement for assets are to be no more than 120 days prior to Note date. The XXXX statement provided in file is from XX-XX-XXXX which is 126 days prior to the Note date. No updated statements is provided. - Due Diligence Vendor-11/10/2022 | Ready for Review-Document Uploaded. See attached - Seller-12/13/2022<br>| Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-12/13/2022<br>|  | Low LTV at 59%; Mid FICO 676 well above minimum required; Seasoned investor | Exception Sampled - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| 1011280 |  | C B A | Closed | FPRO8018 | 2022-11-10 09:36 | 2022-11-10 09:36 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1011280 |  | C B A | Closed | FCOM7273 | 2022-11-08 07:01 | 2022-11-08 13:40 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038250 |  | C A | Closed | FCRE1441 | 2022-11-10 10:30 | 2022-11-14 11:27 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Finding withdrawn. Lender explanation sufficient. - Due Diligence Vendor-11/14/2022 <br>Ready for Review-The collections/charge offs are authorized user accounts only, borrower is not responsible - Seller-11/14/2022 <br>Open-Per XXXX Guidelines section 6.5.10 for DSCR loans with collections and charge-offs exceeding allowable balances, accounts must be paid in full. Credit report reflects charge-offs with XXXX and XXXX which exceeds max allowed. No documentation reflecting delinquent credit account has been paid has been provided. - Due Diligence Vendor-11/10/2022 | Ready for Review-The collections/charge offs are authorized user accounts only, borrower is not responsible - Seller-11/14/2022<br>| Resolved-Finding withdrawn. Lender explanation sufficient. - Due Diligence Vendor-11/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038250 |  | C A | Closed | FPRO8018 | 2022-11-10 11:09 | 2022-11-10 11:09 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038250 |  | C A | Closed | FCOM7273 | 2022-11-08 08:28 | 2022-11-08 08:28 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/08/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1007908 |  | A | Closed | finding-2559 | 2022-11-09 14:41 | 2022-11-15 10:45 | Resolved | 1 - Information A | Compliance | Points & Fees | NY Subprime Home Loan Test | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-11/09/2022 |  | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-11/09/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1007908 |  | A | Closed | FPRO8018 | 2022-11-11 11:57 | 2022-11-11 11:57 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/11/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/11/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1007908 |  | A | Closed | FCRE2330 | 2022-11-11 11:57 | 2022-11-11 11:57 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/11/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/11/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1015572 |  | A | Closed | FPRO8018 | 2022-11-10 12:31 | 2022-11-10 12:31 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/10/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1015572 |  | A | Closed | FCRE2330 | 2022-11-10 12:30 | 2022-11-10 12:30 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/10/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/10/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1015572 |  | A | Closed | FCOM7273 | 2022-11-09 14:08 | 2022-11-09 14:22 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/09/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/09/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1030963 |  | A | Closed | FPRO8018 | 2022-11-11 14:03 | 2022-11-11 14:03 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/11/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/11/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1030963 |  | A | Closed | FCRE2330 | 2022-11-11 14:03 | 2022-11-11 14:03 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/11/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/11/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1030963 |  | A | Closed | FCOM7273 | 2022-11-09 11:56 | 2022-11-09 13:05 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/09/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/09/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1030971 |  | A | Closed | FPRO8018 | 2022-11-14 09:47 | 2022-11-14 09:47 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/14/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1030971 |  | A | Closed | FCRE2330 | 2022-11-14 09:45 | 2022-11-14 09:45 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/14/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1030971 |  | A | Closed | FCOM7273 | 2022-11-09 14:33 | 2022-11-09 16:19 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011282 |  | A | Closed | FPRO8018 | 2022-11-15 11:52 | 2022-11-15 11:52 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1011282 |  | A | Closed | FCRE2330 | 2022-11-15 11:51 | 2022-11-15 11:51 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/15/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1011282 |  | A | Closed | FCOM7273 | 2022-11-10 13:12 | 2022-11-10 13:12 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/10/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/10/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1024827 |  | A | Closed | FCRE2330 | 2022-11-15 10:40 | 2022-11-15 10:40 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/15/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1024827 |  | A | Closed | FPRO8018 | 2022-11-15 10:40 | 2022-11-15 10:40 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1024827 |  | A | Closed | FCOM7273 | 2022-11-10 14:58 | 2022-11-10 14:58 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031200 |  | C A | Closed | FCRE2344 | 2022-11-15 17:26 | 2022-11-29 09:01 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/29/2022 <br> Ready for Review-Document Uploaded. Please see attached - Seller-11/29/2022 <br> Upheld-Finding upheld. Purchase contract addendum for closing extension is required. - Due Diligence Vendor-11/17/2022 <br> Ready for Review-This is no longer required. XXXX no longer collects this addendum. - Seller-11/17/2022 <br> Open-The Purchase Contract Addendum is missing. The purchase Contract closing date expires on XX-XX-XXXX and the loan disbursement date is XX-XX-XXXX. Contract addendum extending closing date or verification of buyer-paid damages per contract is needed. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/29/2022 <br> Ready for Review-This is no longer required. XXXX no longer collects this addendum. - Seller-11/17/2022 | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/29/2022<br>|  |  | xxxx sale to xxx - AddendumtoContract_signed 110122.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031200 |  | C A | Closed | FCRE1317 | 2022-11-15 13:15 | 2022-11-21 08:39 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. updated letter - Seller-11/18/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/18/2022 <br>Upheld-Finding upheld. One year income has been provided and verified. Two years proof of self-employment documentation is needed. - Due Diligence Vendor-11/17/2022 <br>Ready for Review-This is a 12MBS loan, 1 year required - Seller-11/17/2022 <br>Open-Borrower 1 total years employment verified is less than 24 months. The file is missing proof of self employment for 2 years. Neither the business search nor the CPA letter include the length of time for the self employment. - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. updated letter - Seller-11/18/2022 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/18/2022 <br>Ready for Review-This is a 12MBS loan, 1 year required - Seller-11/17/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022<br>|  |  | xxx Letter.pdf<br> xxx.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031200 |  | C A | Closed | FPRO8018 | 2022-11-15 13:45 | 2022-11-15 13:45 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031200 |  | C A | Closed | FCOM7273 | 2022-11-11 07:03 | 2022-11-11 07:03 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031301 |  | C A | Closed | FCRE2244 | 2022-11-15 10:33 | 2022-12-20 07:57 | Resolved | 1 - Information C A | Credit | Credit Profile | Credit Profile - Inquiries | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/20/2022 <br>Ready for Review-Document Uploaded. - Seller-12/19/2022 <br>Upheld-Finding upheld. Six new inquiries report within 90 days of closing. Corresponding new debt referenced is not indicated in loan file. - Due Diligence Vendor-11/21/2022 <br>Ready for Review-inquiries that resulted in new debt that appear on the credit report/soft pull report do not require explanation - Seller-11/18/2022 <br>Open-The credit report shows recent inquires that have not been adequately addressed. A detailed explanation letter that specifically addresses both the purpose and outcome of each inquiry in the last 90 days is required when such inquiry did not result in new debt. The file is missing a letter of explanation for the credit inquires for the last 90 days per guidelines. - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. - Seller-12/19/2022 <br>Ready for Review-inquiries that resulted in new debt that appear on the credit report/soft pull report do not require explanation - Seller-11/18/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/20/2022<br>|  |  | 1031301_LOE.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031301 |  | C A | Closed | FCRE2344 | 2022-11-15 11:21 | 2022-11-17 10:03 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/17/2022 <br> Ready for Review-Please see page 646 of "1031301_XXXX" - Seller-11/17/2022 <br> Open-The Purchase Contract Addendum is missing. Closing date per purchase contract is XX-XX-XXXX. Loan closed on XXXX-XX. Missing amendment to extend closing date from XX-XX-XXXX to XX-XX-XXXX. - Due Diligence Vendor-11/15/2022 | Ready for Review-Please see page 646 of "1031301_XXXX" - Seller-11/17/2022 | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/17/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031301 |  | C A | Closed | FCRE1440 | 2022-11-15 10:37 | 2022-11-17 09:55 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Documentation provided is sufficient. Primary residence is not in borrower's name. - Due Diligence Vendor-11/17/2022 <br> Ready for Review-Document Uploaded. Please see attached - Seller-11/17/2022 <br> Open-Housing history does not meet guideline requirements. Non-QM Loan Eligibility Guidelines dated XX-XX-XXXX, Housing payment history for Additional Properties Owned by Borrower section indicates when borrower owns additional property other than the subject property, verification of any mortgage liens on the property is required. Primary residence mortgage serviced by XXXX is not reporting on credit report. Documentation to confirm 12 month payment history is needed. - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. Please see attached - Seller-11/17/2022<br>| Resolved-Documentation provided is sufficient. Primary residence is not in borrower's name. - Due Diligence Vendor-11/17/2022<br>|  |  | lox.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031301 |  | C A | Closed | FPRO8018 | 2022-11-15 10:33 | 2022-11-15 10:33 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031301 |  | C A | Closed | FCOM7273 | 2022-11-11 08:07 | 2022-11-11 08:07 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031743 |  | C A | Closed | finding-3532 | 2022-11-11 10:13 | 2022-11-21 11:40 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Document Uploaded. Please review uploaded signed initial CD. - Seller-11/17/2022 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Initial Closing Disclosure Date Issued XX-XX-XXXX has no evidence of consumer receipt date; either by in-person, electronic, or USPS. By applying the 3-day mailbox rule (including Saturday), the consumer is deemed to have received the XX-XX-XXXX Closing Disclosure on XX-XX-XXXX which is less than 3 business days before consummation of XX-XX-XXXX. - Due Diligence Vendor-11/11/2022 | Ready for Review-Document Uploaded. Please review uploaded signed initial CD. - Seller-11/17/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022<br>|  |  | 1031743_Closing_Disclosure_Documents_2022_11_17_637669badafb3.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031743 |  | C A | Closed | FCRE2344 | 2022-11-15 10:39 | 2022-11-21 09:11 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Document Uploaded. Purchase contract addendum uploaded. Please, review it. - Seller-11/21/2022 <br> Open-The Purchase Contract Addendum is missing. Purchase Contract closing date expires on XX-XX-XXXX and loan disbursement date is XX-XX-XXXX. Contract addendum extending closing date is needed. - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. Purchase contract addendum uploaded. Please, review it. - Seller-11/21/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022<br>|  |  | 1031743_Purchase contract addendum.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031743 |  | C A | Closed | FCRE2204 | 2022-11-15 07:34 | 2022-11-21 09:08 | Resolved | 1 - Information B A | Credit | Assets | Assets - Earnest Money Deposit | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Document Uploaded. Please review uploaded EMD wire confirmation for $XXXX - Seller-11/18/2022 <br> Open-The earnest money deposit was not properly documented and/or sourced. The contract reflects an earnest money deposit of $XXXX, which is documented in the file. The final closing disclosure reflects a $XXXX earnest money deposit. Satisfactory documentation for the remaining $XXXX EMD is not provided. - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. Please review uploaded EMD wire confirmation for $5000.00 - Seller-11/18/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022<br>|  |  | 1031743_EMDWire Incoming - Earnest Money (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031743 |  | C A | Closed | FPRO8018 | 2022-11-15 07:04 | 2022-11-15 07:04 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031805 |  | A | Closed | FCRE2330 | 2022-11-15 11:49 | 2022-11-15 11:49 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/15/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031805 |  | A | Closed | FPRO8018 | 2022-11-15 09:23 | 2022-11-15 09:23 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031805 |  | A | Closed | FCOM7273 | 2022-11-11 09:46 | 2022-11-11 09:46 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011676 |  | C B A | Closed | FCRE2336 | 2022-11-16 14:30 | 2022-11-22 11:06 | Waived | 2 - Non-Material C B | Credit | Program Parameters | Program Parameters - Number of Units | Waived-Documentation provided is sufficient. Lender exception provided. - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. Please review uploaded signed exception. - Seller-11/21/2022 <br>Upheld-Finding upheld. Per legal description, property is a condo and condo guidelines would apply. Lender exception needed. - Due Diligence Vendor-11/21/2022 <br>Ready for Review-By the legal description is a "condo" but it is not an actual condo project. There are no amenities, no board or meetings, no condo reviews done etc..<br> IF you look at the pictures, its 3 – 2 unit detached homes. Condo rules would not apply here since its not a traditional condo project.<br> - Seller-11/18/2022 <br>Open-The subject loan does not meet program parameters for number of units. Per guidelines borrower cannot own more than 2 units for projects with 5 to 20 units. This project has 6 units and per the appraisal the borrower is the owner of all 6 units. No exception in the file. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Please review uploaded signed exception. - Seller-11/21/2022 <br>Ready for Review-By the legal description is a "condo" but it is not an actual condo project. There are no amenities, no board or meetings, no condo reviews done etc..<br> IF you look at the pictures, its 3 – 2 unit detached homes. Condo rules would not apply here since its not a traditional condo project.<br> - Seller-11/18/2022<br>| Waived-Documentation provided is sufficient. Lender exception provided. - Due Diligence Vendor-11/22/2022<br>|  | Fico 754; No credit events past 48 months; No bankuptcy. | 1011676_exception form - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| 1011676 |  | C B A | Closed | FPRO8018 | 2022-11-16 14:25 | 2022-11-16 14:25 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/16/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1011676 |  | C B A | Closed | FCOM7273 | 2022-11-14 07:46 | 2022-11-14 07:46 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/14/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1018620 |  | C B A | Closed | FCRE2246 | 2022-11-16 08:15 | 2022-11-21 09:13 | Resolved | 1 - Information C A | Credit | Credit Profile | Credit Profile - Mortgage Payment History | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022 <br>Ready for Review-Document Uploaded. Please review uploaded copies of canceled checks. - Seller-11/18/2022 <br>Open-XXXX Guidelines states payment history for the subject property must be verified for the most recent 12 months for mortgages not reported on the credit report, along with cancelled checks for the most recent 3 months to verify the validity of the 12-month VOM. Missing August & September 2022 cancelled checks. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Please review uploaded copies of canceled checks. - Seller-11/18/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022<br>|  |  | 1018620_checks.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1018620 |  | C B A | Closed | FCRE2339 | 2022-11-16 08:11 | 2022-11-17 11:08 | Waived | 2 - Non-Material B | Credit | Program Parameters | Program Parameters - Re-used Appraisal | Waived-Transferred appraisal guidelines section 9.3.2 states the transferred appraisal effective date may not be more than 60 days old at the time of submission. Appraisal was completed in XX-XXXX and approved for use in XX-XXXX. Formal exception provided in file. - Due Diligence Vendor-11/16/2022 |  | Waived-Transferred appraisal guidelines section 9.3.2 states the transferred appraisal effective date may not be more than 60 days old at the time of submission. Appraisal was completed in May 2022 and approved for use in October 2022. Formal exception provided in file. - Due Diligence Vendor-11/16/2022<br>|  | Reserves>6 months, Experienced investor with 2+ investment properties, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1018620 |  | C B A | Closed | FPRO8018 | 2022-11-16 08:12 | 2022-11-17 11:06 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared- - Due Diligence Vendor-11/17/2022 |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1018620 |  | C B A | Closed | FCOM7273 | 2022-11-14 10:01 | 2022-11-16 08:10 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/16/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1018629 |  | C B A | Closed | FCRE2209 | 2022-11-16 10:08 | 2022-12-01 12:22 | Waived | 2 - Non-Material C B | Credit | Assets | Assets - Liquidation for Cash to Close | Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-12/01/2022 <br> Ready for Review-Document Uploaded. - Seller-11/30/2022 <br> Upheld-Documentation provided is not sufficient. Wire receipt of funds to title provided. Need verification of liquidation of Robinhood account to source these funds. - Due Diligence Vendor-11/22/2022 <br> Ready for Review-Document Uploaded. - Seller-11/21/2022 <br> Open-The loan file does not contain all required asset documentation. Satisfactory documentation was not provided in the loan file verifying the liquidation of stocks, bonds, mutual funds or retirement accounts utilized for required funds to close. Evidence of liquidation of Robinhood account XXXX is required as market securities are to be used towards closing costs. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/21/2022<br>| Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-12/01/2022<br>|  | Borrower FICO 735; Low liabilities; Low credit utilization; No Credit events past 48 months; | 1018629_wire.pdf<br>1018629_exception for missing liquidation of market securities - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes |
| 1018629 |  | C B A | Closed | FCRE1000 | 2022-11-16 09:35 | 2022-11-21 09:25 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Finding removed. Replacement cost covered and RCE not provided for State of Florida. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Policy contains the verbiage "100% Replacement Cost", "Guaranteed Replacement Cost", "Replacement Cost Loss Settlement" or "Replacement Cost" for Dwelling coverage - Seller-11/18/2022 <br> Open-Coverage Amount - Hazard insurance amount is less than required coverage amount. Coverage amount of $XXXX is less than the loan amount of $XXXX. Replacement cost needed as evidence current coverage amount is sufficient, or updated hazard insurance policy is required. - Due Diligence Vendor-11/16/2022 | Ready for Review-Policy contains the verbiage "100% Replacement Cost", "Guaranteed Replacement Cost", "Replacement Cost Loss Settlement" or "Replacement Cost" for Dwelling coverage - Seller-11/18/2022<br>| Resolved-Finding removed. Replacement cost covered and RCE not provided for State of Florida. - Due Diligence Vendor-11/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 1018629 |  | C B A | Closed | FPRO1245 | 2022-11-16 10:15 | 2022-11-16 11:26 | Waived | 2 - Non-Material B | Property | Appraisal | Appraisal is Expired | Waived-Primary value appraisal is expired. Formal exception provided in file. - Due Diligence Vendor-11/16/2022 |  | Waived-Primary value appraisal is expired. Formal exception provided in file. - Due Diligence Vendor-11/16/2022<br>|  | More than 6 months reserves, experienced investor with 2 or more investment properties, no consumer late payments in the last 48 months, no mortgage late payments in the last 24 months, no credit events in the last 48 months, over 5 years of credit history. Added 0.25 to the rate. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes |
| 1018629 |  | C B A | Closed | FCOM7273 | 2022-11-14 07:48 | 2022-11-14 07:48 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/14/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 1030916 |  | B A | Closed | FCRE8201 | 2022-11-15 15:24 | 2022-11-16 11:59 | Waived | 2 - Non-Material B | Credit | Program Parameters | Program Parameters - Guidelines Conformity | Waived-The subject loan does not conform to program guidelines. Per guidelines dated XX-XX-XXXX, Projects in which a single entity (the same individual, investor group, partnership, or corporation) owns more than the following total number of units in the project are considered on a case-by- case basis: projects with 2 to 4 units – 1 unit. The subject property is 100% owned by one corporation. Formal exception is located in the file. - Due Diligence Vendor-11/15/2022 |  | Waived-The subject loan does not conform to program guidelines. Per guidelines dated 9/6/2022, Projects in which a single entity (the same individual, investor group, partnership, or corporation) owns more than the following total number of units in the project are considered on a case-by- case basis: projects with 2 to 4 units – 1 unit. The subject property is 100% owned by one corporation. Formal exception is located in the file. - Due Diligence Vendor-11/15/2022<br>|  | Experienced investor with 2+ investment properties. Credit score is greater than 40% of the minimum required. No consumer late payments in last 48 months. No mortgage late payments in last 24 months. No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1030916 |  | B A | Closed | FCRE1194 | 2022-11-15 14:55 | 2022-11-16 11:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV exceeds guideline LTV. Audited LTV of 75 exceeds the guideline LTV of 70%. Formal exception is located in the loan file. - Due Diligence Vendor-11/15/2022 |  | Waived-Audited LTV exceeds guideline LTV. Audited LTV of 75 exceeds the guideline LTV of 70%. Formal exception is located in the loan file. - Due Diligence Vendor-11/15/2022<br>|  | An experienced investor with 2+ investment properties. The credit score is greater than 40% of the minimum required. No consumer late payments in the last 48 months. No mortgage late payments in the last 24 months. No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1030916 |  | B A | Closed | FPRO8018 | 2022-11-15 15:27 | 2022-11-16 09:16 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1030916 |  | B A | Closed | FCOM7273 | 2022-11-14 07:09 | 2022-11-14 07:09 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/14/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1031746 |  | C A | Closed | FCRE2344 | 2022-11-15 19:32 | 2022-11-21 14:55 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022 <br> Ready for Review-Document Uploaded. Addendum uploaded. Please, review it. - Seller-11/21/2022 <br> Open-The Purchase Contract Addendum is missing. Per the Purchase Contract Addendum, the settlement date was changed from XX-XX-XXXX to XX-XX-XXXX. Actual settlement date is XX-XX-XXXX. Extension addendum needed thru closing date of XX-XX-XXXX. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Addendum uploaded. Please, review it. - Seller-11/21/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/21/2022<br>|  |  | 1031746_Addendum.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031746 |  | C A | Closed | FPRO8018 | 2022-11-15 19:24 | 2022-11-15 19:24 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/16/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/16/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031746 |  | C A | Closed | FCOM7273 | 2022-11-14 06:38 | 2022-11-14 06:38 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/14/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1032050 |  | C A | Closed | FCRE1470 | 2022-11-15 11:47 | 2022-11-22 11:36 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Missing | Resolved-Documentation provided is sufficient. Updated 1003 provided removing asset account in question. No change to qualification. - Due Diligence Vendor-11/22/2022 <br> Ready for Review-Document Uploaded. - Seller-11/22/2022 <br> Open-Asset documentation is missing from the file. The loan was approved using the XXXX account ending in XXXX per the Final 1003. The statement ending in XXXX is missing from the loan file. - Due Diligence Vendor-11/15/2022 | Ready for Review-Document Uploaded. - Seller-11/22/2022<br>| Resolved-Documentation provided is sufficient. Updated 1003 provided removing asset account in question. No change to qualification. - Due Diligence Vendor-11/22/2022<br>|  |  | 1032050_1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1032050 |  | C A | Closed | FPRO8018 | 2022-11-15 11:10 | 2022-11-15 11:10 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1032050 |  | C A | Closed | FCOM7273 | 2022-11-14 12:41 | 2022-11-14 12:41 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/14/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1030968 |  | B A | Closed | FCRE1200 | 2022-11-18 08:55 | 2022-11-22 10:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived-Audited loan amount is less than the guideline Minimum loan amount. Guideline minimum is $XXXX and approved loan amount is $XXXX. Formal exception provided in file.<br> - Due Diligence Vendor-11/18/2022 |  | Waived-Audited loan amount is less than the guideline Minimum loan amount. Guideline minimum is XXXX and approved loan amount is XXXX. Formal exception provided in file.<br> - Due Diligence Vendor-11/18/2022<br>|  | Exception for loan amount lower than minimum approved with compensating factors: Revolving debt is under 30%, 5 years on current job, DTI >=10% lower than loan program, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, Credit score >40% than minimum required, Reserves>6 months |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1030968 |  | B A | Closed | FPRO8018 | 2022-11-18 08:56 | 2022-11-18 08:56 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/18/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1030968 |  | B A | Closed | FCOM7273 | 2022-11-16 13:26 | 2022-11-16 13:41 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/16/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/16/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031281 |  | C A | Closed | FPRO1244 | 2022-11-18 08:57 | 2022-11-29 09:05 | Resolved | 1 - Information C A | Property | Third Party Valuation | Missing Doc - 3rd Party Valuation Product/Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/29/2022 <br>Ready for Review-Document Uploaded. Please, find the AVM report attached. Thank you! - Seller-11/29/2022 <br>Open-The loan file did not contain the required 3rd party valuation product. CU score returned at 3.5. Additional review product is needed. - Due Diligence Vendor-11/22/2022 | Ready for Review-Document Uploaded. Please, find the AVM report attached. Thank you! - Seller-11/29/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/29/2022<br>|  |  | 1031281_AVM.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1031281 |  | C A | Closed | FCRE1440 | 2022-11-21 06:45 | 2022-11-28 13:47 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Finding removed. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-We do not need translation for utility bill-address is clear on the bill - Seller-11/23/2022 <br> Open-Per XXXX Guidelines, a third party residency letter with translation is required for all Foreign National programs.. Borrower's primary address is not disclosed on the Final 1003, and the utility bill in file is not translated. Documentation to support residency is missing from the file. - Due Diligence Vendor-11/21/2022 | Ready for Review-We do not need translation for utility bill-address is clear on the bill - Seller-11/23/2022<br>| Resolved-Finding removed. - Due Diligence Vendor-11/28/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1031281 |  | C A | Closed | FCOM7273 | 2022-11-17 08:19 | 2022-11-17 09:11 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/17/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/17/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038430 |  | C B A | Closed | FCRE9999 | 2022-11-21 05:33 | 2022-11-28 14:46 | Resolved | 1 - Information C A | Credit | Miscalculation | DSCR does not meet Guidelines | Resolved-Documentation provided is sufficient. Lender exception revised. DSCR meets guidelines. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. Please review uploaded exception. - Seller-11/25/2022 <br>Open-The subject DSCR does not meet guideline requirements. Exception in file limits required DSCR to greater than 1.1. Lender approved DSCR as well as audited DSCR is 1.09 based on market rent of $4,000 divided by PITIA of $3,677.80 - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. Please review uploaded exception. - Seller-11/25/2022<br>| Resolved-Documentation provided is sufficient. Lender exception revised. DSCR meets guidelines. - Due Diligence Vendor-11/28/2022<br>|  |  | 1038430_Exception Form.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038430 |  | C B A | Closed | FCRE3599 | 2022-11-18 14:01 | 2022-11-21 13:37 | Waived | 2 - Non-Material B | Credit | Program Parameters | Program Parameters - Number of Financed Properties | Waived-The subject loan does not meet program parameters for number of financed properties. The number of financed properties owned exceeds the max allowed financed properties per guidelines. XXXX Guidelines dated XX-XX-XXXX limit the maximum exposure to XXXX for a single borrower to 5 loans, or an unpaid principal balance $5,000,000. The subject transaction will be the borrowers 9th loan with XXXX. Formal exception was provided in file. - Due Diligence Vendor-11/18/2022 |  | Waived-The subject loan does not meet program parameters for number of financed properties. The number of financed properties owned exceeds the max allowed financed properties per guidelines. A&D Mortgage Guidelines dated 9/6/22 limit the maximum exposure to A&D Mortgage for a single borrower to 5 loans, or an unpaid principal balance $5,000,000. The subject transaction will be the borrowers 9th loan with A&D Mortgage. Formal exception was provided in file. - Due Diligence Vendor-11/18/2022<br>|  | Experienced investor with 2+ investment properties, Borrower contribution exceeds requirement >=5%, CLTV 10% below maximum, Monthly payment reduction by >=20%, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months. +0.75 to price on each loan (max final price 99.25), 60% LTV max, DSCR must be >1.1 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1038430 |  | C B A | Closed | FPRO8018 | 2022-11-18 13:23 | 2022-11-18 13:23 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/18/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/18/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038430 |  | C B A | Closed | FCOM7273 | 2022-11-17 07:59 | 2022-11-17 09:39 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011516 |  | C B A | Closed | FCRE1201 | 2022-11-16 13:33 | 2022-12-06 12:32 | Resolved | 1 - Information C A | Credit | Fraud Report | Third Party Fraud Report not Provided | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Document Uploaded. Please, find the Fraud report attached. Thank you! - Seller-12/06/2022 <br>Open-Missing third party fraud report. - Due Diligence Vendor-11/16/2022 | Ready for Review-Document Uploaded. Please, find the Fraud report attached. Thank you! - Seller-12/06/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/06/2022<br>|  |  | 1011516_Fraud report.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011516 |  | C B A | Closed | FCRE2336 | 2022-11-21 09:36 | 2022-11-21 14:53 | Waived | 2 - Non-Material B | Credit | Program Parameters | Program Parameters - Number of Units | Waived-The subject loan does not meet program parameters for number of units. Maximum number of units allowed per guidelines is 4. Subject property contains 5 units. Formal exception provided in file. - Due Diligence Vendor-11/21/2022 |  | Waived-The subject loan does not meet program parameters for number of units. Maximum number of units allowed per guidelines is 4. Subject property contains 5 units. Formal exception provided in file. - Due Diligence Vendor-11/21/2022<br>|  | Credit score >40% than minimum required, Revolving debt is under 30%, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1011516 |  | C B A | Closed | FCRE8201 | 2022-11-21 09:36 | 2022-11-21 13:52 | Waived | 2 - Non-Material B | Credit | Program Parameters | Program Parameters - Guidelines Conformity | Waived-The subject loan does not conform to program guidelines. DSCR program requires the borrower to own any property within the past 24 months. Borrower has no history of property ownership. Formal exception provided in file. - Due Diligence Vendor-11/21/2022 |  | Waived-The subject loan does not conform to program guidelines. DSCR program requires the borrower to own any property within the past 24 months. Borrower has no history of property ownership. Formal exception provided in file. - Due Diligence Vendor-11/21/2022<br>|  | Credit score >40% than minimum required, Revolving debt is under 30%, No mortgage late payments in last 24 months, No credit events past 48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1011516 |  | C B A | Closed | FCRE1493 | 2022-11-21 09:41 | 2022-11-21 13:51 | Waived | 2 - Non-Material B | Credit | Credit Profile | Credit Profile - Insufficient Tradelines | Waived-The documented tradelines do not meet the minimum tradelines required per guidelines. Formal exception provided in file. - Due Diligence Vendor-11/21/2022 |  | Waived-The documented tradelines do not meet the minimum tradelines required per guidelines. Formal exception provided in file. - Due Diligence Vendor-11/21/2022<br>|  | CLTV 10% below maximum, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months. +0.75 added to the price, DSCR must be greater than 1.1 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1011516 |  | C B A | Closed | FPRO8018 | 2022-11-21 09:36 | 2022-11-21 09:36 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011516 |  | C B A | Closed | FCOM7273 | 2022-11-16 14:46 | 2022-11-16 15:38 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1011638 |  | A | Closed | FPRO8018 | 2022-11-18 13:08 | 2022-11-18 13:08 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/18/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1011638 |  | A | Closed | FCRE2330 | 2022-11-18 13:05 | 2022-11-18 13:05 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/18/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1011638 |  | A | Closed | FCOM7273 | 2022-11-17 08:59 | 2022-11-17 08:59 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/17/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/17/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1018628 |  | B A | Closed | FCRE2301 | 2022-11-21 07:15 | 2022-11-21 12:14 | Waived | 2 - Non-Material B | Credit | Gift Letter | Gift Letter - Donor Qualification | Waived-The gift donor does not qualify under the terms of the applicable guidelines. Formal exception was provided in file to allow the use of gift funds from a cousin and friend. - Due Diligence Vendor-11/21/2022 |  | Waived-The gift donor does not qualify under the terms of the applicable guidelines. Formal exception was provided in file to allow the use of gift funds from a cousin and friend. - Due Diligence Vendor-11/21/2022<br>|  | Residual income >=$3000, No credit events past 48 months, No consumer late payments in last 48 months, LTV 10% below maximum. +0.375 added to the rate. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes |
| 1018628 |  | B A | Closed | FPRO8018 | 2022-11-21 07:15 | 2022-11-21 07:15 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1018628 |  | B A | Closed | finding-2559 | 2022-11-17 11:17 | 2022-11-17 13:30 | Resolved | 1 - Information A | Compliance | Points & Fees | NY Subprime Home Loan Test | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-11/17/2022 |  | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-11/17/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031420 |  | A | Closed | FPRO8018 | 2022-11-18 13:47 | 2022-11-18 13:47 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/18/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1031420 |  | A | Closed | FCRE2330 | 2022-11-18 13:47 | 2022-11-18 13:47 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/18/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1031420 |  | A | Closed | FCOM7273 | 2022-11-17 09:19 | 2022-11-17 09:56 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/17/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/17/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1031924 |  | C A | Closed | FCRE2344 | 2022-11-21 08:22 | 2022-11-29 08:55 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/29/2022 <br> Ready for Review-Document Uploaded. Extension uploaded. Please, review it. - Seller-11/29/2022 <br> Open-The Purchase Contract Addendum is missing. Purchase agreement expired XX-XX-XXXX Missing addendum extending purchase agreement to XX-XX-XXXX. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. Extension uploaded. Please, review it. - Seller-11/29/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/29/2022<br>|  |  | 1031924_xxxxx extension.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031924 |  | C A | Closed | FCRE2244 | 2022-11-21 08:22 | 2022-11-28 14:55 | Resolved | 1 - Information C A | Credit | Credit Profile | Credit Profile - Inquiries | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. Document Uploaded. Please review uploaded LOX. - Seller-11/28/2022 <br> Open-The credit report shows recent inquires that have not been adequately addressed. A detailed explanation letter that specifically addresses both the purpose and outcome of each inquiry in the last 90 days is required The file is missing a letter of explanation for the XX-XX-XXXX and XX-XX-XXXX credit inquiries. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. Document Uploaded. Please review uploaded LOX. - Seller-11/28/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/28/2022<br>|  |  | 1031924_Inquiry letter1.pdf<br>1031924_Inquiry letter1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031924 |  | C A | Closed | FPRO8018 | 2022-11-21 08:22 | 2022-11-21 08:22 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031924 |  | C A | Closed | FCOM7273 | 2022-11-16 14:07 | 2022-11-17 07:43 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/17/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/17/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1036885 |  | B A | Closed | FPRO8008 | 2022-11-17 14:21 | 2022-11-22 08:53 | Waived | 2 - Non-Material B | Property | Property Issue | Property Issue - Minor repairs required | Waived-There were cosmetic or minor repairs noted for the subject however, they did not effect the value or habitability of the home. Minor repairs noted on the appraisal. Formal exception provided in file. - Due Diligence Vendor-11/17/2022 |  | Waived-There were cosmetic or minor repairs noted for the subject however, they did not effect the value or habitability of the home. Minor repairs noted on the appraisal. Formal exception provided in file. - Due Diligence Vendor-11/17/2022<br>|  | Reserves>6 months, Experienced investor with 2+ investment properties, Borrower contribution exceeds requirement>=5%, Credit score >40% than minimum required, CLTV 10% below maximum, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months,<br> Several income sources and DTI below 45% |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1036885 |  | B A | Closed | FCRE2330 | 2022-11-17 13:22 | 2022-11-21 10:11 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/17/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/17/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1036885 |  | B A | Closed | FCOM7273 | 2022-11-16 12:55 | 2022-11-16 13:53 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/16/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038427 |  | A | Closed | FCRE2330 | 2022-11-21 06:20 | 2022-11-21 06:20 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/21/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038427 |  | A | Closed | FPRO8018 | 2022-11-21 06:19 | 2022-11-21 06:19 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038427 |  | A | Closed | FCOM7273 | 2022-11-17 12:31 | 2022-11-17 19:06 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038305 |  | C A | Closed | FCRE8728 | 2022-11-21 08:20 | 2022-11-29 09:07 | Resolved | 1 - Information C A | Credit | Credit Documentation | Credit Documentation - Payment History Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/29/2022 <br>Ready for Review-Document Uploaded. Please, find attached the rent Payments for 12 months. Thank you! - Seller-11/29/2022 <br>Open-The loan file did not contain sufficient documentation to verify the payment history as required. Guidelines require 12 months canceled checks as proof of rental payments for Lease with purchase option transactions. The file contains 3 months canceled checks for the $1,200/month rent. 1003 indicates one year residency in subject property. Additional 9 months rental checks are needed. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. Please, find attached the rent Payments for 12 months. Thank you! - Seller-11/29/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/29/2022<br>|  |  | 1038305_rent pmt.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1038305 |  | C A | Closed | FPRO8018 | 2022-11-21 08:20 | 2022-11-21 08:20 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1038305 |  | C A | Closed | FCOM7273 | 2022-11-17 18:55 | 2022-11-17 18:55 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/18/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1035130 |  | C A | Closed | FCRE7497 | 2022-11-21 14:43 | 2022-11-28 13:53 | Resolved | 1 - Information C A | Credit | Liabilities | Liabilities - REO | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. This property is a vacant lot - Open Lien report attached, no insurance required. - Seller-11/28/2022 <br> Open-The loan file did not contain sufficient documentation to verify debts associated with all other properties. Missing documentation to verify monthly insurance, taxes, and HOA for REO property XXXX. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. This property is a vacant lot - Open Lien report attached, no insurance required. - Seller-11/28/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/28/2022<br>|  |  | CAO - 14748 OPEN LIEN REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1035130 |  | C A | Closed | FPRO8018 | 2022-11-21 14:43 | 2022-11-21 14:43 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1035130 |  | C A | Closed | FCOM7273 | 2022-11-17 14:38 | 2022-11-17 14:38 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031340 |  | B A | Closed | FCRE1493 | 2022-11-21 20:57 | 2022-11-22 15:15 | Waived | 2 - Non-Material B | Credit | Credit Profile | Credit Profile - Insufficient Tradelines | Waived-The documented tradelines do not meet the minimum tradelines required per guidelines. Limited tradelines, Formal exception was provided in file. - Due Diligence Vendor-11/22/2022 |  | Waived-The documented tradelines do not meet the minimum tradelines required per guidelines. Limited tradelines, Formal exception was provided in file. - Due Diligence Vendor-11/22/2022<br>|  | Revolving debt is under 30%, 5 years on current job, 10 years or more in same line of employment, No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 1031340 |  | B A | Closed | FCOM7273 | 2022-11-18 09:00 | 2022-11-22 08:18 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared- - Due Diligence Vendor-11/22/2022 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031340 |  | B A | Closed | FPRO8018 | 2022-11-21 20:52 | 2022-11-21 20:52 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/22/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/22/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031457 |  | C A | Closed | FCRE1342 | 2022-11-22 06:15 | 2022-12-28 10:19 | Resolved | 1 - Information C A | Credit | Income Documentation | Borrower 1 Business Bank Statements Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/28/2022 <br> Ready for Review-Document Uploaded. Bank Statements provided - Seller-12/28/2022 <br> Open-Borrower 1 Business Bank Statements missing from the file. Per section 6.6.8 of XXXX guidelines, bank statements used for qualification must be translated into English. Only the XX-XXXX, XX-XXXX, and XX-XXXX statements are in file that have been translated. Translation for remaining 9 months statements is needed. - Due Diligence Vendor-11/22/2022 | Ready for Review-Document Uploaded. Bank Statements provided - Seller-12/28/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/28/2022<br>|  |  | 1031457_Bank Statements (eng).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1031457 |  | C A | Closed | FCRE1457 | 2022-11-21 15:45 | 2022-11-28 12:48 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Less Than 2 Months Verified | Resolved-Asset 3 Verified Sufficiently Or Not Applicable - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. Please review the print out-it has 2 months transactions history - Seller-11/28/2022 <br> Open-Asset has less than 2 months verified in file. Guidelines indicate 60 days of asset statements must be documented. XXXX account #3455 has only 1 months statements in the file. Additional, consecutive statement is needed. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. Please review the print out-it has 2 months transactions history - Seller-11/28/2022<br>| Resolved-Asset 3 Verified Sufficiently Or Not Applicable - Due Diligence Vendor-11/28/2022<br>|  |  | 1031457_xxx print out.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1031457 |  | C A | Closed | FCRE6019 | 2022-11-17 10:39 | 2022-11-28 12:45 | Resolved | 1 - Information C A | Credit | Eligibility | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required Documentation provided is sufficient. Verification of Permanent Resident status provided. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. Please review uploaded copy of borrower's Green card - Seller-11/28/2022 <br>Open-Borrower 1 Citizenship Documentation Is missing from the file. The initial application was marked as Non-Permanent Resident Alien and the final is marked as Permanent Resident Alien. The file contains a copy of the borrower's Employment Authorization, but not a copy an acceptable, current VISA or Green Card to validate citizenship status. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. Please review uploaded copy of borrower's Green card - Seller-11/28/2022<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required Documentation provided is sufficient. Verification of Permanent Resident status provided. - Due Diligence Vendor-11/28/2022<br>|  |  | 1031457_xxxxx Permanent RC.pdf<br> 1031457_Permanet R Card- xxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1031457 |  | C A | Closed | FPRO8018 | 2022-11-21 16:02 | 2022-11-21 16:02 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1031457 |  | C A | Closed | FCOM7273 | 2022-11-18 13:36 | 2022-11-18 14:59 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-Compliance Findings are present. - Due Diligence Vendor-11/18/2022 |  | Cleared-Compliance Findings are present. - Due Diligence Vendor-11/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1024819 |  | C A | Closed | FCRE2244 | 2022-11-21 09:18 | 2022-12-03 11:39 | Resolved | 1 - Information C A | Credit | Credit Profile | Credit Profile - Inquiries | Resolved-Finding removed. Credit inquiry for PremiumCB reports on debt monitoring on Drive Report provided; however, the Drive report is not attached to this file or borrower. - Due Diligence Vendor-12/03/2022 <br> Ready for Review-Document Uploaded. please advise, the credit report attached only has the 4 inquires detailed on the lox from the borrower uploaded. - Seller-12/01/2022 <br> Upheld-Documentation provided is not sufficient. Duplicate copy of borrower LOX provided but does not address inquiry to PremiumCB. - Due Diligence Vendor-12/01/2022 <br> Ready for Review-Document Uploaded. - Seller-11/30/2022 <br> Upheld-Documentation provided is not sufficient. Explanation provided does not address inquiry for PremiumCB. - Due Diligence Vendor-11/22/2022 <br> Ready for Review-Document Uploaded. - Seller-11/22/2022 <br> Open-The credit report shows recent inquires that have not been adequately addressed. Letter addressing the inquiry on XX-XX-XXXX from PREMIUM CB is not in the loan file. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. please advise, the credit report attached only has the 4 inquires detailed on the lox from the borrower uploaded. - Seller-12/01/2022 <br>Ready for Review-Document Uploaded. - Seller-11/30/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022<br>| Resolved-Finding removed. Credit inquiry for PremiumCB reports on debt monitoring on Drive Report provided; however, the Drive report is not attached to this file or borrower. - Due Diligence Vendor-12/03/2022<br>|  |  | 1024819_inq.pdf<br>1024819_lox.pdf<br>1024819 - credit report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1024819 |  | C A | Closed | FPRO1244 | 2022-11-21 10:31 | 2022-11-28 14:53 | Resolved | 1 - Information C A | Property | Third Party Valuation | Missing Doc - 3rd Party Valuation Product/Missing | Resolved-Documentation provided is sufficient. CDA supports appraised value. - Due Diligence Vendor-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/28/2022 <br>Upheld-Documentation provided is not sufficient. Valuation review is not approved product. Desk review, AVM, or other acceptable secondary valuation product is needed. - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022 <br>Open-The loan file did not contain the required 3rd party valuation product. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. - Seller-11/28/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022<br>| Resolved-Documentation provided is sufficient. CDA supports appraised value. - Due Diligence Vendor-11/28/2022<br>|  |  | 1024819_valuation.pdf<br>1024819_CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1024819 |  | C A | Closed | FCRE1455 | 2022-11-21 10:01 | 2022-11-28 12:51 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/28/2022 <br> Ready for Review-Document Uploaded. this statement is through XX-XX, please let me know if this will be accepted. - Seller-11/23/2022 <br> Upheld-Documentation provided is not sufficient. Bank statement provided ending XX-XX-XXXX is not consecutive to statement in file ending XX-XX-XXXX. Two months consecutive statements are needed. Statement ending XX-XXXX or XX-XXXX is needed. - Due Diligence Vendor-11/22/2022 <br> Ready for Review-Document Uploaded. - Seller-11/22/2022 <br> Open-Asset has less than 2 months verified in file. One month statement provided for XXXX #XXXX ending XX-XX-XXXX. Need additional statement to complete most recent 2 months of asset verification. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. this statement is through XX-XX-XXXX, please let me know if this will be accepted. - Seller-11/23/2022 <br> Ready for Review-Document Uploaded. - Seller-11/22/2022 | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/28/2022<br>|  |  | 1024819_4306 july.pdf<br> 1024819_july to Aug statemwent xxx 4306.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1024819 |  | C A | Closed | FCRE1326 | 2022-11-21 09:15 | 2022-11-22 11:21 | Resolved | 1 - Information C A | Credit | Income Documentation | Borrower 1 YTD Profit & Loss Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/22/2022 <br>Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-11/22/2022 <br>Ready for Review-Document Uploaded. - Seller-11/22/2022 <br>Open-Borrower 1 YTD Profit & Loss missing. 12 month P&L Statement prepared by Licensed CPA or Tax Preparer, along with evidence borrower is at least 25% owner, and the business has existed for at least 2 years is missing from the loan file. - Due Diligence Vendor-11/21/2022 | Ready for Review-Document Uploaded. - Seller-11/22/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-11/22/2022 <br>Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-11/22/2022<br>|  |  | 1024819_XXXXX p and l.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1024819 |  | C A | Closed | FCOM7273 | 2022-11-18 14:49 | 2022-11-18 15:17 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/18/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/18/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1030864 |  | C B A | Closed | FPRO1244 | 2022-11-21 20:43 | 2022-12-30 09:16 | Resolved | 1 - Information C A | Property | Third Party Valuation | Missing Doc - 3rd Party Valuation Product/Missing | Resolved-Document Uploaded. Documentation is sufficient. - Due Diligence Vendor-12/30/2022 <br>Open-The loan file did not contain the required 3rd party valuation product. - Due Diligence Vendor-11/22/2022 |  | Resolved-Document Uploaded. Documentation is sufficient. - Due Diligence Vendor-12/30/2022<br>|  |  | 1030864_Appraisal 2_Form 2006.pdf<br>0 | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1030864 |  | C B A | Closed | FCRE2344 | 2022-11-21 20:51 | 2022-12-07 11:13 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/07/2022 <br> Ready for Review-Document Uploaded. Purchase contract addendum uploaded. Please review it. - Seller-12/07/2022 <br> Open-The Purchase Contract Addendum is missing. Per paragraph 7 of the purchase agreement: Settlement shall take place on or before XX-XX-XXXX. The date for Settlement can be extended only when the Buyer and Seller agree in writing to an extension. The addendum extending the closing date from XX-XX-XXXX to XX-XX-XXXX is missing from the loan file. - Due Diligence Vendor-11/22/2022 | Ready for Review-Document Uploaded. Purchase contract addendum uploaded. Please review it. - Seller-12/07/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/07/2022<br>|  |  | 1030864_Purchase addendum.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1030864 |  | C B A | Closed | FCRE1194 | 2022-11-21 20:30 | 2022-12-05 09:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Finding removed. Points financed do not affect LTV per guidelines. - Due Diligence Vendor-12/05/2022 <br>Ready for Review-2 Points were financed into the loan. 70% LTV with the 2 points financed became 71.4%. Please find the lates Lock confirmation and review it. - Seller-12/05/2022 <br>Open-Audited LTV exceeds guideline LTV. The audited LTV of 71.4% exceeds the guideline LTV of 70% max for FICO score of 644. - Due Diligence Vendor-11/22/2022 | Ready for Review-2 Points were financed into the loan. 70% LTV with the 2 points financed became 71.4%. Please find the lates Lock confirmation and review it. - Seller-12/05/2022<br>| Resolved-Finding removed. Points financed do not affect LTV per guidelines. - Due Diligence Vendor-12/05/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1030864 |  | C B A | Closed | FCRE8201 | 2022-11-21 20:38 | 2022-12-01 10:31 | Waived | 2 - Non-Material B | Credit | Program Parameters | Program Parameters - Guidelines Conformity | Waived-The subject loan does not conform to program guidelines. Per guidelines, mixed-use properties are only permitted on a case-by-case basis. Per appraisal, the property is mixed-use. Formal exception provided in file. - Due Diligence Vendor-11/22/2022 |  | Waived-The subject loan does not conform to program guidelines. Per guidelines, mixed-use properties are only permitted on a case-by-case basis. Per appraisal, the property is mixed-use. Formal exception provided in file. - Due Diligence Vendor-11/22/2022<br>|  | Several income sources and DTI below 45%. 5 years on current job. DTI is lower than loan program by 10%. 10 years or more in the same line of employment. No credit events past 48 months. No late mortgage payments in last 24 months. 5+ years of credit history. At least 2 borrowers on the loan. |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1030864 |  | C B A | Closed | FCOM7273 | 2022-11-21 14:04 | 2022-11-21 16:30 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/21/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031966 |  | C A | Closed | FCRE2344 | 2022-11-28 11:57 | 2022-12-16 12:31 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/16/2022 <br> Ready for Review-Document Uploaded. - Seller-12/16/2022 <br> Open-The Purchase Contract Addendum is missing. The purchase contract reflected a closing date of XX-XX-XXXX, with no extension flexibility stated. Contract extension/addendum needed for closing XX-XX-XXXX. - Due Diligence Vendor-11/28/2022 | Ready for Review-Document Uploaded. - Seller-12/16/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/16/2022<br>|  |  | 1031966_Addendum.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031966 |  | C A | Closed | finding-2502 | 2022-11-23 13:43 | 2022-12-01 10:25 | Resolved | 1 - Information A | Compliance | Points & Fees | CT Nonprime Home Loan Test | Resolved-This loan failed the CT nonprime home loan test.<br>The loan is a nonprime home loan, as defined in the legislation. For more information please see the Connecticut Nonprime Home Loan Article section of the full ComplianceAnalyzer report.<br>While the Connecticut Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. - Due Diligence Vendor-11/23/2022 |  | Resolved-This loan failed the CT nonprime home loan test.<br>The loan is a nonprime home loan, as defined in the legislation. For more information please see the Connecticut Nonprime Home Loan Article section of the full ComplianceAnalyzer report.<br>While the Connecticut Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. - Due Diligence Vendor-11/23/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031966 |  | C A | Closed | FPRO8018 | 2022-11-28 11:57 | 2022-11-28 11:57 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/28/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1038368 |  | A | Closed | FPRO8018 | 2022-11-22 09:16 | 2022-11-22 09:16 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/22/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/22/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038368 |  | A | Closed | FCRE2330 | 2022-11-22 09:15 | 2022-11-22 09:15 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/22/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/22/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038368 |  | A | Closed | FCOM7273 | 2022-11-21 15:01 | 2022-11-21 15:01 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038476 |  | C B A | Closed | FCRE2244 | 2022-11-28 08:22 | 2022-12-05 09:25 | Resolved | 1 - Information C A | Credit | Credit Profile | Credit Profile - Inquiries | Resolved-Finding removed. Letter of explanation provided is sufficient. - Due Diligence Vendor-12/05/2022 <br> Ready for Review-The Credit Inquiry is initially uploaded with the full credit pkg. Please find it on the 572nd page and review. - Seller-12/05/2022 <br> Open-The credit report shows recent inquires that have not been adequately addressed. The file is missing a letter of explanation for the last 90 days of inquires on the credit report. This is required to understand if any new debt resulted, per the guidelines. The UDN report started monitoring XX-XX-XXXX on a XX-XX-XXXX credit report date. - Due Diligence Vendor-11/28/2022 | Ready for Review-The Credit Inquiry is initially uploaded with the full credit pkg. Please find it on the 572nd page and review. - Seller-12/05/2022<br>| Resolved-Finding removed. Letter of explanation provided is sufficient. - Due Diligence Vendor-12/05/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1038476 |  | C B A | Closed | FCRE1195 | 2022-11-28 07:45 | 2022-12-05 09:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. Please see approved UW Exception. - Seller-12/05/2022 <br>Open-Audited CLTV exceeds guideline CLTV. Per guidelines, the subject property is a primary residence with a FICO of 658 indicates maximum LTV is 75%. Approved LTV of 80% is outside of guidelines. - Due Diligence Vendor-11/28/2022 | Ready for Review-Document Uploaded. Please see approved UW Exception. - Seller-12/05/2022<br>| Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-12/05/2022<br>|  | Revolving debt <30%; 5+ years in current job; Residual income >$3000; DTI >10% lowered than program; No Credit Events last 48 months; No mortgage lates last 24 months. | Celestin exception LTV.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 1038476 |  | C B A | Closed | FPRO8018 | 2022-11-28 07:50 | 2022-11-28 07:50 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/28/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1038476 |  | C B A | Closed | FCOM7273 | 2022-11-23 14:21 | 2022-11-23 14:21 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/23/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/23/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1038284 |  | A | Closed | FCRE2330 | 2022-11-29 14:47 | 2022-11-29 14:47 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/29/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/29/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038284 |  | A | Closed | FPRO8018 | 2022-11-28 13:26 | 2022-11-28 13:26 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/28/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/28/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038284 |  | A | Closed | FCOM7273 | 2022-11-23 13:08 | 2022-11-23 13:57 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/23/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/23/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038698 |  | C A | Closed | FPRO1244 | 2022-12-01 11:42 | 2022-12-06 16:53 | Resolved | 1 - Information C A | Property | Third Party Valuation | Missing Doc - 3rd Party Valuation Product/Missing | Resolved- - Due Diligence Vendor-12/06/2022 <br> Upheld-Document Uploaded. Documentation provided is sufficient. - Due Diligence Vendor-12/06/2022 <br> Upheld-AVM provided returned value of $XXXX which is 37% lower than approved appraised value. ProTeck CDA product provided in file is incomplete. Full desk review or 2nd appraisal is needed to support original appraised value. - Due Diligence Vendor-12/03/2022 <br> Ready for Review-Please see paged 3-23 of "1038698_XXXX" - Seller-12/02/2022 <br> Open-The loan file did not contain the required 3rd party valuation product. CU score returned at 4.5. Additional review product is needed. - Due Diligence Vendor-12/01/2022 | Ready for Review-Please see paged 3-23 of "1038698_XXXX" - Seller-12/02/2022 |  |  |  | CDA Review.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 1038698 |  | C A | Closed | FCRE2330 | 2022-11-28 10:09 | 2022-11-28 10:09 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/28/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/28/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 1038698 |  | C A | Closed | FCOM7273 | 2022-11-23 11:01 | 2022-11-23 13:48 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/23/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/23/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 1036903 |  | A | Closed | FCRE2330 | 2022-11-29 07:37 | 2022-11-29 07:37 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/29/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/29/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1036903 |  | A | Closed | FPRO8018 | 2022-11-29 07:31 | 2022-11-29 07:31 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/29/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/29/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1036903 |  | A | Closed | FCOM7273 | 2022-11-23 12:45 | 2022-11-23 12:45 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/23/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/23/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1027937 |  | C B A | Closed | FVAL9739 | 2022-11-30 08:15 | 2022-12-06 12:38 | Waived | 2 - Non-Material C B | Property | Appraisal | Appraisal - Miscellaneous | Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Document Uploaded. Exception form uploaded - Seller-12/06/2022 <br>Open-The subject appraisal reflected issues. Per guidelines for new construction, the appraisal must show a minimum of 4 closed comparable sales; all comparable sales must be located within 4 miles of the subject; at least 2 closed similar sales must be situated in the same neighborhood as the subject. The appraisal showed insufficient comparables and was more than 4 miles apart. Formal exception is located in the file but the compensating factors are missing. - Due Diligence Vendor-11/30/2022 | Ready for Review-Document Uploaded. Exception form uploaded - Seller-12/06/2022<br>| Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-12/06/2022<br>|  | Experienced investor with 2+ properties; No consumer late payments, mortgage lates, or credit events past 48 months. | Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes |
| 1027937 |  | C B A | Closed | FCRE2330 | 2022-11-29 14:40 | 2022-11-30 08:16 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-Credit Findings are present. - Due Diligence Vendor-11/29/2022 |  | Cleared-Credit Findings are present. - Due Diligence Vendor-11/29/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1027937 |  | C B A | Closed | FCOM7273 | 2022-11-23 09:22 | 2022-11-23 13:03 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/23/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/23/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1009396 |  | C B A | Closed | FCOM6034 | 2022-12-01 12:12 | 2022-12-13 13:41 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Estimated Taxes, Insurance, & Assessments "In escrow? is incomplete or inaccurate " | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/13/2022 <br>Ready for Review-Document Uploaded. Updated CD uploaded - Seller-12/13/2022 <br>Upheld- - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Finding upheld. Flood Escrow should be disclosed under Projected payments on CD. Correct entry is "Some" for "Other" escrows. - Due Diligence Vendor-12/06/2022 <br>Ready for Review-Section "Other" in URLA is a flood insurance. It will be escrowed.<br> HOA dues is NON-Escrowed according to the page 4 of the final CD. - Seller-12/06/2022 <br>Open-Final CD indicates Estimated "Other" as not escrowed for HOA fees. Flood insurance is escrowed and estimate includes "Some" for "Other" property expense. - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. Updated CD uploaded - Seller-12/13/2022 <br>Ready for Review-Section "Other" in URLA is a flood insurance. It will be escrowed.<br> HOA dues is NON-Escrowed according to the page 4 of the final CD. - Seller-12/06/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/13/2022<br>|  |  | Final CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1009396 |  | C B A | Closed | FCRE2344 | 2022-11-29 12:46 | 2022-12-08 14:29 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/08/2022 <br> Ready for Review-Document Uploaded. Addendum to Purchase contract uploaded - Seller-12/08/2022 <br> Open-The Purchase Contract Addendum is missing. The file contains a contract extension through XX-XX-XXXX, however the loan closed on XX-XX-XXXX. - Due Diligence Vendor-11/29/2022 | Ready for Review-Document Uploaded. Addendum to Purchase contract uploaded - Seller-12/08/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/08/2022<br>|  |  | Addendum.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1009396 |  | C B A | Closed | FCRE1493 | 2022-11-29 13:16 | 2022-12-01 10:32 | Waived | 2 - Non-Material B | Credit | Credit Profile | Credit Profile - Insufficient Tradelines | Waived-The documented tradelines do not meet the minimum tradelines required per guidelines. Formal exception provided in file.<br> - Due Diligence Vendor-11/29/2022 |  | Waived-The documented tradelines do not meet the minimum tradelines required per guidelines. Formal exception provided in file.<br> - Due Diligence Vendor-11/29/2022<br>|  | Several income sources and DTI below 45%, Residual income >=$3000, No credit events past 48 months, No mortgage late payments in last 24 months, No consumer late payments in last 48 months, 2+ borrowers on the loan; .25 to the rate. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| 1009396 |  | C B A | Closed | FPRO8018 | 2022-11-29 12:46 | 2022-11-29 12:46 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/29/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/29/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1030978 |  | C A | Closed | FCRE1316 | 2022-11-30 06:24 | 2022-12-05 09:27 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/05/2022 <br>Ready for Review-Document Uploaded. The document with the date is provided. - Seller-12/05/2022 <br>Open-Department of State Division of Corporations document for business search is missing a date to confirm it was completed within 20 business days of the note date. - Due Diligence Vendor-11/30/2022 | Ready for Review-Document Uploaded. The document with the date is provided. - Seller-12/05/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/05/2022<br>|  |  | 1030978 VOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1030978 |  | C A | Closed | FPRO8018 | 2022-11-30 07:05 | 2022-11-30 07:05 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/30/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/30/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1030978 |  | C A | Closed | finding-2559 | 2022-11-28 12:32 | 2022-11-28 13:41 | Resolved | 1 - Information A | Compliance | Points & Fees | NY Subprime Home Loan Test | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-11/28/2022 |  | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-11/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1031384 |  | A | Closed | FCRE2330 | 2022-11-30 08:31 | 2022-11-30 08:31 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/30/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-11/30/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1031384 |  | A | Closed | FPRO8018 | 2022-11-30 08:30 | 2022-11-30 08:30 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/30/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-11/30/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1031384 |  | A | Closed | FCOM7273 | 2022-11-28 14:52 | 2022-11-28 14:52 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1007301 |  | C A | Closed | FCRE1342 | 2022-12-03 09:45 | 2022-12-06 12:50 | Resolved | 1 - Information C A | Credit | Income Documentation | Borrower 1 Business Bank Statements Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/06/2022 <br> Ready for Review-Document Uploaded. Transaction history for the month of XXXX 2022 uploaded - Seller-12/06/2022 <br> Open-Borrower 1 Business Bank Statements missing from the file. The loan was approved using 12 months bank statements. Per the income calculation worksheet provided, the XX-XXXX business bank statement ending in XXXX with deposits of $30,593.17 was used. This bank statement is not provided in file. - Due Diligence Vendor-12/03/2022 | Ready for Review-Document Uploaded. Transaction history for the month of XX-XXXX uploaded - Seller-12/06/2022 | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/06/2022<br>|  |  | Bank Statements.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1007301 |  | C A | Closed | FPRO8018 | 2022-12-02 09:29 | 2022-12-02 09:29 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1007301 |  | C A | Closed | FCOM7273 | 2022-11-30 15:08 | 2022-11-30 15:08 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/30/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/30/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1006958 |  | C B A | Closed | FCRE1148 | 2022-12-01 14:38 | 2022-12-27 17:00 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/28/2022 <br> Ready for Review-Document Uploaded. Correct Title commitment is uploaded - Seller-12/27/2022 <br> Open-Title coverage is less than total amount of subject lien(s). The amount of title insurance verified in the loan file is not sufficient to cover the loan amount. Owner coverage is not disclosed on the Title Commitment and Lender coverage of $XXXX is less than loan amount of $XXXX. - Due Diligence Vendor-12/01/2022 | Ready for Review-Document Uploaded. Correct Title commitment is uploaded - Seller-12/27/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/28/2022<br>|  |  | Title commitment.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 1006958 |  | C B A | Closed | FPRO1245 | 2022-12-01 14:08 | 2022-12-01 19:47 | Waived | 2 - Non-Material B | Property | Appraisal | Appraisal is Expired | Waived-Primary value appraisal is expired. The file appraisal was transferred and 82 days stale dated and outside the guideline. A formal exception is in the file. - Due Diligence Vendor-12/01/2022 |  | Waived-Primary value appraisal is expired. The file appraisal was transferred and 82 days stale dated and outside the guideline. A formal exception is in the file. - Due Diligence Vendor-12/01/2022<br>|  | CLTV 10% below maximum, No consumer late payments in last 48 months, No mortgage late payments in last 24<br> months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes |
| 1006958 |  | C B A | Closed | FCOM7273 | 2022-11-28 13:19 | 2022-11-28 13:19 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/28/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/28/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 1030992 |  | A | Closed | finding-2559 | 2022-11-28 12:28 | 2022-12-02 09:14 | Resolved | 1 - Information A | Compliance | Points & Fees | NY Subprime Home Loan Test | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-11/28/2022 |  | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-11/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1030992 |  | A | Closed | FPRO8018 | 2022-12-02 07:50 | 2022-12-02 07:50 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1030992 |  | A | Closed | FCRE2330 | 2022-12-02 07:50 | 2022-12-02 07:50 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/02/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1032000 |  | B A | Closed | FCRE2330 | 2022-12-02 14:08 | 2022-12-02 14:08 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/02/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1032000 |  | B A | Closed | FCOM7273 | 2022-11-29 19:47 | 2022-11-29 19:47 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1032000 |  | B A | Seller | FPRO8027 | 2022-12-02 14:59 | 2022-12-02 14:59 | Open | 2 - Non-Material B | Property | Appraisal | Appraisal - Owner of Record | Open-The appraisal Owner of Record does not match the title and/or sales contract. Appraisal shows property as vacant when loan shows this should be owner occupied as its a cash out refi on their primary property. Home was bought XX-XXXX and owner of record needs to be updated as well. - Due Diligence Vendor-12/02/2022 |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1038320 |  | C A | Closed | FCRE2344 | 2022-12-02 08:49 | 2022-12-21 09:27 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Finding removed. N/A for State of NY. - Due Diligence Vendor-12/21/2022 <br> Ready for Review-A contract extension doesn't need inside the State of New York. The subject property in this State. Please waive the condition. - Seller-12/21/2022 <br> Open-The Purchase Contract Addendum is missing. Purchase contract has expiration date as XX-XX-XXXX, whereas closing /note date is XX-XX-XXXX. <br> Updated contract addendum extending closing date is needed. - Due Diligence Vendor-12/02/2022 | Ready for Review-A contract extension doesn't need inside the State of XX. The subject property in this State. Please waive the condition. - Seller-12/21/2022 | Resolved-Finding removed. N/A for State of NY. - Due Diligence Vendor-12/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038320 |  | C A | Closed | FPRO8018 | 2022-12-02 08:50 | 2022-12-02 08:50 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038320 |  | C A | Closed | FCOM7273 | 2022-11-28 14:50 | 2022-11-28 14:50 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/28/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1032030 |  | C A | Closed | FCRE2344 | 2022-12-02 10:28 | 2022-12-21 09:26 | Resolved | 1 - Information C A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Finding removed. N/A for State of NY. - Due Diligence Vendor-12/21/2022 <br> Ready for Review-A contract extension doesn't need inside the State of New York. The subject property in this State. Please waive the condition. - Seller-12/21/2022 <br> Open-The Purchase Contract Addendum is missing. Purchase contract expiration date is XX-XX-XXXX but the date of the closing was XX-XX-XXXX. <br> Updated contract addendum extending the closing date is needed. - Due Diligence Vendor-12/02/2022 | Ready for Review-A contract extension doesn't need inside the State of XX. The subject property in this State. Please waive the condition. - Seller-12/21/2022 | Resolved-Finding removed. N/A for State of NY. - Due Diligence Vendor-12/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1032030 |  | C A | Closed | FPRO8018 | 2022-12-02 10:29 | 2022-12-02 10:29 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1032030 |  | C A | Closed | finding-2559 | 2022-11-30 11:11 | 2022-11-30 13:55 | Resolved | 1 - Information A | Compliance | Points & Fees | NY Subprime Home Loan Test | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-11/30/2022 |  | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-11/30/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1038534 |  | A | Closed | FPRO8018 | 2022-12-02 10:33 | 2022-12-02 10:33 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038534 |  | A | Closed | FCRE2330 | 2022-12-02 10:33 | 2022-12-02 10:33 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/02/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038534 |  | A | Closed | FCOM7273 | 2022-11-28 14:54 | 2022-11-28 17:22 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/28/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1021667 |  | A | Closed | FPRO8018 | 2022-12-02 14:05 | 2022-12-02 14:05 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1021667 |  | A | Closed | FCRE2330 | 2022-12-02 14:04 | 2022-12-02 14:04 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/02/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1021667 |  | A | Closed | FCOM7273 | 2022-11-30 12:21 | 2022-11-30 14:38 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/30/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/30/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1031447 |  | B A | Closed | FPRO8018 | 2022-12-02 15:11 | 2022-12-02 15:11 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/02/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031447 |  | B A | Closed | FCRE1317 | 2022-12-02 13:43 | 2022-12-02 15:08 | Waived | 2 - Non-Material B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Borrower 1 total years employment verified is less than 24 months. Self employed less than 2years. Formal exception located in file - Due Diligence Vendor-12/02/2022 |  | Waived-Borrower 1 total years employment verified is less than 24 months. Self employed less than 2years. Formal exception located in file - Due Diligence Vendor-12/02/2022<br>|  | Revolving debt is under 30%, DTI is at least 10% lower than loan program, No credit events in past 48 months, No mortgage late payments in the last 24 months, 5+ years credit history, No consumer late payments in last 48 months |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1031447 |  | B A | Closed | FCOM7273 | 2022-11-28 11:26 | 2022-11-28 13:11 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/28/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-11/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039200 |  | A | Closed | FCOM7273 | 2022-12-09 13:12 | 2022-12-09 13:12 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/09/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/09/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1039200 |  | A | Closed | FPRO8018 | 2022-12-09 10:52 | 2022-12-09 10:52 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/09/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/09/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1039200 |  | A | Closed | FCRE2330 | 2022-12-09 10:52 | 2022-12-09 10:52 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/09/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/09/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1030946 |  | B A | Closed | FCRE1194 | 2022-12-12 06:02 | 2022-12-12 16:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV exceeds guideline LTV. Max cash out LTV with the score is 65%, loan is 70% .Formal exception provided in file. - Due Diligence Vendor-12/12/2022 |  | Waived-Audited LTV exceeds guideline LTV. Max cash out LTV with the score is 65%, loan is 70% .Formal exception provided in file. - Due Diligence Vendor-12/12/2022<br>|  | Appraisal came lower than expected. Good credit and excellent DTI <5%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| 1030946 |  | B A | Closed | FPRO8018 | 2022-12-12 06:11 | 2022-12-12 06:11 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/12/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/12/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A |
| 1030946 |  | B A | Closed | FCOM7273 | 2022-12-09 12:42 | 2022-12-09 12:42 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/09/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/09/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A |
| 1038426 |  | B A | Closed | FCRE8201 | 2022-12-09 07:17 | 2022-12-11 16:06 | Waived | 2 - Non-Material B | Credit | Program Parameters | Program Parameters - Guidelines Conformity | Waived-The subject loan does not conform to program guidelines. Borrower is a first time home buyer and does not meet tradeline requirements with one open, active trade. Formal exception provided in file. - Due Diligence Vendor-12/09/2022 |  | Waived-The subject loan does not conform to program guidelines. Borrower is a first time home buyer and does not meet tradeline requirements with one open, active trade. Formal exception provided in file. - Due Diligence Vendor-12/09/2022<br>|  | Borrower is a first time buyer with one open, active tradeline. Exception was approved based on the following compensating factors: Borrower contribution exceeds requirement >=5%, Credit score >40% than minimum required, CLTV 10% below maximum, Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No credit events past 48 months. +1.5 to price, DSCR must be >.75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1038426 |  | B A | Closed | FPRO8018 | 2022-12-09 07:18 | 2022-12-09 07:18 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/09/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/09/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038426 |  | B A | Closed | FCOM7273 | 2022-12-07 15:38 | 2022-12-08 07:02 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/07/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/07/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038702 |  | A | Closed | FPRO8018 | 2022-12-09 12:25 | 2022-12-09 12:25 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/09/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/09/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1038702 |  | A | Closed | FCRE2330 | 2022-12-09 12:25 | 2022-12-09 12:25 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/09/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/09/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1038702 |  | A | Closed | FCOM7273 | 2022-12-08 12:47 | 2022-12-08 12:47 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/08/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/08/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039093 |  | A | Closed | FPRO8018 | 2022-12-09 15:54 | 2022-12-09 15:54 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/09/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/09/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039093 |  | A | Closed | FCRE2330 | 2022-12-09 15:54 | 2022-12-09 15:54 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/09/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/09/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039093 |  | A | Closed | FCOM7273 | 2022-12-08 00:18 | 2022-12-08 00:18 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/08/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039108 |  | A | Closed | FPRO8018 | 2022-12-09 10:58 | 2022-12-09 10:58 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/09/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/09/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039108 |  | A | Closed | FCRE2330 | 2022-12-09 10:58 | 2022-12-09 10:58 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/09/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/09/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039108 |  | A | Closed | FCOM7273 | 2022-12-07 14:53 | 2022-12-08 06:49 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/08/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038610 |  | A | Closed | FPRO8018 | 2022-12-08 15:42 | 2022-12-08 15:42 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/08/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038610 |  | A | Closed | FCRE2330 | 2022-12-08 15:42 | 2022-12-08 15:42 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/08/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038610 |  | A | Closed | FCOM7273 | 2022-12-08 07:36 | 2022-12-08 07:36 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/08/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/08/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1013931 |  | B A | Closed | FCRE1200 | 2022-12-13 11:57 | 2022-12-13 14:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived-Audited loan amount is less than the guideline Minimum loan amount. Loan amount is for $XXXX, while guidelines require minimum loan amount for $XXXX. <br> Formal exception located in file. - Due Diligence Vendor-12/13/2022 |  | Waived-Audited loan amount is less than the guideline Minimum loan amount. Loan amount is for XXXX, while guidelines require minimum loan amount for XXXX. <br> Formal exception located in file. - Due Diligence Vendor-12/13/2022<br>|  | Experienced investor with 2+ investment properties, No consumer late payments in last 48 months, No mortgage late payments in last 24 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1013931 |  | B A | Closed | FPRO8018 | 2022-12-13 11:53 | 2022-12-13 11:53 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/13/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/13/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1013931 |  | B A | Closed | FCOM7273 | 2022-12-10 07:26 | 2022-12-12 07:16 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/10/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/10/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1013932 |  | B A | Closed | FCRE1200 | 2022-12-13 10:27 | 2022-12-13 10:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived-Audited loan amount is less than the guideline Minimum loan amount. Loan amount of $XXXX is less than the minimum loan amount of $XXXX. Formal exception located in file. - Due Diligence Vendor-12/13/2022 |  | Waived-Audited loan amount is less than the guideline Minimum loan amount. Loan amount of XXXX is less than the minimum loan amount of XXXX. Formal exception located in file. - Due Diligence Vendor-12/13/2022<br>|  | Experienced investor with 2+ investment properties, No consumer late payments in last 48 months, No mortgage late payments in the last 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1013932 |  | B A | Closed | FPRO8018 | 2022-12-13 09:49 | 2022-12-13 09:49 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/13/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/13/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1013932 |  | B A | Closed | FCOM7273 | 2022-12-10 08:22 | 2022-12-10 08:22 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/10/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/10/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1031778 |  | A | Closed | FPRO8018 | 2022-12-13 12:16 | 2022-12-13 12:16 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/13/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/13/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031778 |  | A | Closed | FCRE2330 | 2022-12-13 12:15 | 2022-12-13 12:15 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/13/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/13/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031778 |  | A | Closed | FCOM7273 | 2022-12-10 11:15 | 2022-12-10 11:15 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/10/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/10/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039011 |  | A | Closed | FCRE2330 | 2022-12-13 10:35 | 2022-12-13 10:35 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/13/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/13/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039011 |  | A | Closed | FPRO8018 | 2022-12-13 10:20 | 2022-12-13 10:20 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/13/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/13/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039011 |  | A | Closed | FCOM7273 | 2022-12-12 07:53 | 2022-12-12 07:53 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/12/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/12/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039135 |  | B A | Closed | FCRE6763 | 2022-12-13 10:20 | 2022-12-13 15:43 | Waived | 2 - Non-Material B | Credit | Income Documentation | Income - Guideline Requirements | Waived-The income documents provided in the loan file did not meet guidelines. Lacking 12 months of STR data. Formal exception was provided in file. - Due Diligence Vendor-12/13/2022 |  | Waived-The income documents provided in the loan file did not meet guidelines. Lacking 12 months of STR data. Formal exception was provided in file. - Due Diligence Vendor-12/13/2022<br>|  | Reserves>6 months, Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1039135 |  | B A | Closed | FCRE1440 | 2022-12-13 09:49 | 2022-12-13 15:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing history does not meet guideline requirements. Borrower has not owned property in last 24 months. Formal exception was provided in file. - Due Diligence Vendor-12/13/2022 |  | Waived-Housing history does not meet guideline requirements. Borrower has not owned property in last 24 months. Formal exception was provided in file. - Due Diligence Vendor-12/13/2022<br>|  | Reserves>6 months, Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1039135 |  | B A | Closed | FCRE1194 | 2022-12-13 10:26 | 2022-12-13 15:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV exceeds guideline LTV. LTV out of guidelines at 80% for STR. Formal exception was provided in file. - Due Diligence Vendor-12/13/2022 |  | Waived-Audited LTV exceeds guideline LTV. LTV out of guidelines at 80% for STR. Formal exception was provided in file. - Due Diligence Vendor-12/13/2022<br>|  | Reserves>6 months, Credit score >40% than minimum required, Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months Credit Decision |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1039135 |  | B A | Closed | FPRO8018 | 2022-12-13 10:21 | 2022-12-13 10:21 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/13/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/13/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039135 |  | B A | Closed | FCOM7273 | 2022-12-12 08:46 | 2022-12-12 08:46 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/12/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/12/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1010887 |  | C A | Closed | FCRE1159 | 2022-12-14 11:36 | 2022-12-23 11:47 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/23/2022 <br> Ready for Review-Document Uploaded. Updated insurance provided - Seller-12/23/2022 <br> Open-Hazard insurance effective date is after the disbursement date. Hazard insurance in file becomes effective on XX-XX-XXXX and loan disbursement date is XX-XX-XXXX. Missing final hazard insurance policy with updated effective date. - Due Diligence Vendor-12/14/2022 | Ready for Review-Document Uploaded. Updated insurance provided - Seller-12/23/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/23/2022<br>|  |  | 1010887_Updated HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1010887 |  | C A | Closed | FCRE2344 | 2022-12-14 11:09 | 2022-12-23 11:46 | Resolved | 1 - Information B A | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Resolved-Finding removed. Contract extension is N/A for XX State. - Due Diligence Vendor-12/23/2022 <br> Ready for Review-We did not require Purchase contract extension in XX State. - Seller-12/23/2022 <br> Open-The Purchase Contract Addendum is missing. Purchase contract expires 45 days from the contract execution date of XX-XX-XXXX, which is XX-XX-XXXX. Loan closing date is XX-XX-XXXX. No addendum to the contract is in file to extend the closing date. - Due Diligence Vendor-12/14/2022 | Ready for Review-We did not require Purchase contract extension in XX State. - Seller-12/23/2022 | Resolved-Finding removed. Contract extension is N/A for NY State. - Due Diligence Vendor-12/23/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1010887 |  | C A | Closed | FPRO8018 | 2022-12-14 11:09 | 2022-12-14 11:09 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1010887 |  | C A | Closed | finding-2559 | 2022-12-12 16:13 | 2022-12-13 10:43 | Resolved | 1 - Information A | Compliance | Points & Fees | NY Subprime Home Loan Test | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. NEW YORK SUBPRIME HOME LOAN DISCLOSURE signed by borrower. - Due Diligence Vendor-12/13/2022 |  | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. NEW YORK SUBPRIME HOME LOAN DISCLOSURE signed by borrower. - Due Diligence Vendor-12/13/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1027866 |  | A | Closed | FCRE2330 | 2022-12-14 13:05 | 2022-12-14 13:05 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/14/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1027866 |  | A | Closed | FPRO8018 | 2022-12-14 13:05 | 2022-12-14 13:05 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1027866 |  | A | Closed | FCOM7273 | 2022-12-12 15:49 | 2022-12-12 15:49 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/12/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/12/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039311 |  | A | Closed | FPRO8018 | 2022-12-14 08:43 | 2022-12-14 08:43 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039311 |  | A | Closed | FCRE2330 | 2022-12-14 08:43 | 2022-12-14 08:43 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/14/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039311 |  | A | Closed | FCOM7273 | 2022-12-12 14:31 | 2022-12-13 05:48 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/12/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/12/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039400 |  | A | Closed | FPRO8018 | 2022-12-14 07:07 | 2022-12-14 07:07 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039400 |  | A | Closed | FCRE2330 | 2022-12-14 07:07 | 2022-12-14 07:07 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/14/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039400 |  | A | Closed | FCOM7273 | 2022-12-13 07:28 | 2022-12-13 07:28 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/13/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/13/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039491 |  | B A | Closed | FCRE1200 | 2022-12-14 10:16 | 2022-12-16 09:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived-Audited loan amount is less than the guideline Minimum loan amount. Per the guideline minimum loan amount $XXXX. Loan amount of $XXXX is less than guidelines. Formal exception provided in file. - Due Diligence Vendor-12/14/2022 |  | Waived-Audited loan amount is less than the guideline Minimum loan amount. Per the guideline minimum loan amount XXXX. Loan amount of XXXX is less than guidelines. Formal exception provided in file. - Due Diligence Vendor-12/14/2022<br>|  | No consumer late in 48 months. No Mortgage late payment in 24 months. No credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes |
| 1039491 |  | B A | Closed | FPRO8018 | 2022-12-14 10:21 | 2022-12-14 10:21 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039491 |  | B A | Closed | FCOM7273 | 2022-12-13 13:14 | 2022-12-13 13:14 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/13/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/13/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038697 |  | C A | Closed | FCRE1148 | 2022-12-14 15:53 | 2022-12-21 09:24 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/21/2022 <br> Ready for Review-Document Uploaded. The latest supplemental report uploaded - Seller-12/21/2022 <br> Open-Title coverage is less than total amount of subject lien(s). The amount of $XXXX of title insurance verified in the loan file is not sufficient to cover the loan amount of $XXXX. - Due Diligence Vendor-12/15/2022 | Ready for Review-Document Uploaded. The latest supplemental report uploaded - Seller-12/21/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/21/2022<br>|  |  | SUPPLEMENTAL REPORT.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038697 |  | C A | Closed | FPRO8018 | 2022-12-14 17:06 | 2022-12-14 17:06 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/15/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038697 |  | C A | Closed | FCOM7273 | 2022-12-13 09:58 | 2022-12-13 09:58 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/13/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/13/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039458 |  | A | Closed | FPRO8018 | 2022-12-14 13:57 | 2022-12-14 13:57 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039458 |  | A | Closed | FCRE2330 | 2022-12-14 13:57 | 2022-12-14 13:57 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/14/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039458 |  | A | Closed | FCOM7273 | 2022-12-14 07:05 | 2022-12-14 07:05 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/14/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039216 |  | B A | Closed | FCRE7569 | 2022-12-14 13:51 | 2022-12-14 13:52 | Waived | 2 - Non-Material B | Credit | Credit Documentation | Credit Documentation - Mortgage History | Waived-The loan file did not contain sufficient mortgage payment history. Formal exception in the file - Due Diligence Vendor-12/14/2022 |  | Waived-The loan file did not contain sufficient mortgage payment history. Formal exception in the file - Due Diligence Vendor-12/14/2022<br>|  | An exception for the borrower having no home ownership in the past 24 months (renting). Exception approved based on the following compensating factors: Borrower contribution exceeds requirement >=5%, No mortgage late payments in last 24 months, No credit events<br> past 48 months; +.75 to price, DSCR > 1.0. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1039216 |  | B A | Closed | FPRO8018 | 2022-12-14 13:51 | 2022-12-14 13:51 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039216 |  | B A | Closed | FCOM7273 | 2022-12-13 15:33 | 2022-12-13 15:33 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/13/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/13/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039199 |  | B A | Closed | FCRE2330 | 2022-12-14 09:05 | 2022-12-16 09:04 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/14/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| 1039199 |  | B A | Closed | FVAL5524 | 2022-12-16 09:03 | 2022-12-16 09:03 | Waived | 2 - Non-Material B | Property | Property Issue | Property Issue - Ineligible Property | Waived-The subject is an ineligible property and not allowed per guidelines. Per guidelines, the maximum acreage is 10 acres. The subject property acreage is 37. Formal exception provided in file. - Due Diligence Vendor-12/16/2022 |  | Waived-The subject is an ineligible property and not allowed per guidelines. Per guidelines, the maximum acreage is 10 acres. The subject property acreage is 37. Formal exception provided in file. - Due Diligence Vendor-12/16/2022<br>|  | Reserves >6months; LTV >10% below maximum; 5+ years credit history; No Mortgage lates last 24 months; no consumer lates in past 48 months; no credit events past 48 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Pre-Close | Yes |
| 1039199 |  | B A | Closed | FPRO8018 | 2022-12-14 09:04 | 2022-12-14 09:04 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| 1039199 |  | B A | Closed | FCOM7273 | 2022-12-14 06:19 | 2022-12-14 06:19 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/14/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| 1038837 |  | A | Closed | FPRO8018 | 2022-12-14 10:12 | 2022-12-14 10:12 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038837 |  | A | Closed | FCRE2330 | 2022-12-14 10:11 | 2022-12-14 10:11 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/14/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038837 |  | A | Closed | FCOM7273 | 2022-12-13 16:08 | 2022-12-14 07:18 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/13/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/13/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031391 |  | B A | Closed | FPRO8018 | 2022-12-14 08:57 | 2022-12-14 08:57 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031391 |  | B A | Closed | FCOM7273 | 2022-12-14 07:14 | 2022-12-14 07:14 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/14/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031391 |  | B A | Seller | FCRE2344 | 2022-12-14 09:13 | 2022-12-14 09:13 | Open | 2 - Non-Material B | Credit | Purchase Contract | Purchase Contract - Addendum Missing | Open-The Purchase Contract Addendum is missing. Purchase contract in file indicates closing date is to be XX-XX-XXXX. Subject Note date is XX-XX-XXXX. Missing addendum to extend closing from XX-XX-XXXX to XX-XX-XXXX. - Due Diligence Vendor-12/14/2022 |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1032046 |  | A | Closed | FCRE2330 | 2022-12-14 13:32 | 2022-12-15 17:14 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-Credit Findings are present. - Due Diligence Vendor-12/14/2022 |  | Cleared-Credit Findings are present. - Due Diligence Vendor-12/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1032046 |  | A | Closed | FPRO8018 | 2022-12-14 13:32 | 2022-12-14 13:32 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1032046 |  | A | Closed | finding-2559 | 2022-12-13 10:46 | 2022-12-13 12:12 | Resolved | 1 - Information A | Compliance | Points & Fees | NY Subprime Home Loan Test | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-12/13/2022 |  | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-12/13/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039341 |  | D A | Closed | FCOM4227 | 2022-12-14 11:58 | 2022-12-28 13:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved- - Due Diligence Vendor-12/28/2022 <br>Ready for Review-The Initial Closing Disclosure is initially uploaded with the full credit pkg. Please find it on the 688th page and review. - Seller-12/28/2022 <br>Open-The loan file does not contain the initial Closing Disclosure. Need the initial CD and any other revised LE's or CD's that were issued with COC's. - Due Diligence Vendor-12/14/2022 | Ready for Review-The Initial Closing Disclosure is initially uploaded with the full credit pkg. Please find it on the 688th page and review. - Seller-12/28/2022<br>|  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039341 |  | D A | Closed | FPRO8018 | 2022-12-27 08:25 | 2022-12-27 08:25 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/27/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/27/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039415 |  | B A | Closed | FCRE2302 | 2022-12-20 10:47 | 2022-12-23 10:04 | Resolved | 1 - Information B A | Credit | Gift Letter | Gift Letter - Donor Relationship | Resolved-Finding removed. Donor relationship considered acceptable. - Due Diligence Vendor-12/23/2022 <br>Open-Per guidelines a donor must be an immediate family member, future spouse, or domestic partner living with borrower. Immediate family member is considered a person's parents, brother and sisters, husband or wife, and children. Donor gift letter is from an uncle which is not considered an immediate family. No exception in the file. - Due Diligence Vendor-12/20/2022 |  | Resolved-Finding removed. Donor relationship considered acceptable. - Due Diligence Vendor-12/23/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039415 |  | B A | Closed | FPRO8018 | 2022-12-15 16:11 | 2022-12-15 16:11 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/15/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039415 |  | B A | Closed | FCOM7273 | 2022-12-14 16:38 | 2022-12-15 06:47 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-Compliance Findings are present. - Due Diligence Vendor-12/14/2022 |  | Cleared-Compliance Findings are present. - Due Diligence Vendor-12/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1031400 |  | A | Closed | FPRO8018 | 2022-12-15 19:02 | 2022-12-15 19:02 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/16/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/16/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1031400 |  | A | Closed | FCRE2330 | 2022-12-15 19:02 | 2022-12-15 19:02 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/16/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/16/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1031400 |  | A | Closed | FCOM7273 | 2022-12-14 10:04 | 2022-12-14 10:04 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/14/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1038668 |  | A | Closed | FPRO8018 | 2022-12-15 13:13 | 2022-12-15 13:13 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/15/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1038668 |  | A | Closed | FCRE2330 | 2022-12-15 13:13 | 2022-12-15 13:13 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/15/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1038668 |  | A | Closed | FCOM7273 | 2022-12-14 08:34 | 2022-12-14 08:34 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/14/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/14/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039379 |  | A | Closed | FCRE2330 | 2022-12-19 18:17 | 2022-12-19 18:17 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/20/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039379 |  | A | Closed | FPRO8018 | 2022-12-15 16:36 | 2022-12-15 16:36 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/15/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/15/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039379 |  | A | Closed | FCOM7273 | 2022-12-14 14:55 | 2022-12-14 14:55 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039718 |  | A | Closed | FCRE2330 | 2022-12-19 19:53 | 2022-12-19 19:53 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/20/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039718 |  | A | Closed | FPRO8018 | 2022-12-15 09:16 | 2022-12-15 09:16 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/15/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/15/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039718 |  | A | Closed | FCOM7273 | 2022-12-14 09:10 | 2022-12-14 09:10 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/14/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/14/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038785 |  | A | Closed | FCRE2330 | 2022-12-16 09:40 | 2022-12-16 09:40 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/16/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038785 |  | A | Closed | FPRO8018 | 2022-12-16 09:35 | 2022-12-16 09:35 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/16/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038785 |  | A | Closed | FCOM7273 | 2022-12-15 08:32 | 2022-12-15 08:32 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/15/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/15/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039408 |  | B A | Closed | FCRE2204 | 2022-12-19 21:49 | 2022-12-28 10:39 | Resolved | 1 - Information B A | Credit | Assets | Assets - Earnest Money Deposit | Resolved-Finding resolved. EMD removed from qualification and reserves recalculated. - Due Diligence Vendor-12/28/2022 <br> Ready for Review-Please disregard it, it was Backed out EMD from XXXX #0698 - Seller-12/27/2022 <br> Open-The earnest money deposit was not properly documented and/or sourced. Verification and sourcing of earnest money deposit in the amount of $10,000 is missing from the loan file. - Due Diligence Vendor-12/20/2022 | Ready for Review-Please disregard it, it was Backed out EMD from XXXX #0698 - Seller-12/27/2022 | Resolved-Finding resolved. EMD removed from qualification and reserves recalculated. - Due Diligence Vendor-12/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039408 |  | B A | Closed | FPRO8018 | 2022-12-16 13:08 | 2022-12-16 13:08 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/16/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/16/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039408 |  | B A | Closed | FCOM7273 | 2022-12-15 13:41 | 2022-12-15 14:10 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/15/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039134 |  | A | Closed | FCRE2330 | 2022-12-16 14:11 | 2022-12-16 14:11 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/16/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/16/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1039134 |  | A | Closed | FPRO8018 | 2022-12-16 14:10 | 2022-12-16 14:10 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/16/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/16/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1039134 |  | A | Closed | FCOM7273 | 2022-12-15 11:05 | 2022-12-15 14:28 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/15/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1011125 |  | D A | Closed | FCRE1161 | 2022-12-20 08:58 | 2022-12-28 10:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/28/2022 <br>Ready for Review-Document Uploaded. Flood certificate uploaded - Seller-12/27/2022 <br>Open-Missing flood certificate. - Due Diligence Vendor-12/20/2022 | Ready for Review-Document Uploaded. Flood certificate uploaded - Seller-12/27/2022<br>| Resolved-Documentation provided is sufficient. - Due Diligence Vendor-12/28/2022<br>|  |  | Flood Certificate.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1011125 |  | D A | Closed | FPRO8018 | 2022-12-20 09:22 | 2022-12-20 09:22 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/20/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/20/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1011125 |  | D A | Closed | FCOM7273 | 2022-12-15 10:02 | 2022-12-15 10:56 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/15/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/15/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1031456 |  | B A | Closed | FCRE2313 | 2022-12-20 11:50 | 2022-12-23 12:58 | Waived | 2 - Non-Material B | Credit | Income Documentation | Income - Rental Property | Waived-A copy of the lease for the rental property is required when the rental income is used for qualifying. Per the guidelines units need to occupied, formal exception in the file to allow for a new lease for purchase transaction in seller's name with 3 months payments. - Due Diligence Vendor-12/20/2022 |  | Waived-A copy of the lease for the rental property is required when the rental income is used for qualifying. Per the guidelines units need to occupied, formal exception in the file to allow for a new lease for purchase transaction in seller's name with 3 months payments. - Due Diligence Vendor-12/20/2022<br>|  | Credit score >40% than minimum required, No consumer late payments in last 48 months, No mortgage late payments in last 24 months, No credit events past 48 months. 0.125 in price, |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1031456 |  | B A | Closed | FPRO8018 | 2022-12-20 11:44 | 2022-12-20 11:44 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/20/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031456 |  | B A | Closed | FCOM7273 | 2022-12-15 14:05 | 2022-12-15 14:05 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/15/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/15/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1032076 |  | B A | Closed | FCRE1193 | 2022-12-27 15:05 | 2022-12-28 13:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI exceeds guideline DTI. Maximum DTI per SuperPrime Matrix for cash-out transaction is 50%. Final DTI exceeds this threshold due to post-closing loan amount increase. Review DTI is 55.13%. Formal exception provided in file. - Due Diligence Vendor-12/27/2022 |  | Waived-Audited DTI exceeds guideline DTI. Maximum DTI per XXXX for cash-out transaction is 50%. Final DTI exceeds this threshold due to post-closing loan amount increase. Review DTI is 55.13%. Formal exception provided in file. - Due Diligence Vendor-12/27/2022<br>|  | No mortgage late payments in last 24 months, 5+ years credit history, 2+ borrowers on the loan |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1032076 |  | B A | Closed | FPRO8018 | 2022-12-27 15:03 | 2022-12-27 15:03 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/27/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/27/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1032076 |  | B A | Closed | FCOM7273 | 2022-12-17 14:20 | 2022-12-17 14:20 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/17/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/17/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1039307 |  | B A | Closed | FCRE1200 | 2022-12-21 11:07 | 2022-12-27 14:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Maximum Loan Amount | Waived-Audited loan amount is less than the guideline Minimum loan amount. Min loan amount per guidelines is XXXX, Loan amount is XXXX. Formal exception in the file - Due Diligence Vendor-12/21/2022 |  | Waived-Audited loan amount is less than the guideline Minimum loan amount. Min loan amount per guidelines is XXXX, Loan amount is XXXX. Formal exception in the file - Due Diligence Vendor-12/21/2022<br>|  | Experienced investor with 2+ investment properties, Credit score >40% than minimum required, Revolving debt is under 30%, No consumer late payments in last 48 months, 5+ years credit history, No mortgage late payments in last 24 months, No credit events past 48 months; +0.25 to price, DSCR>1, min 3Y PPP. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1039307 |  | B A | Closed | FPRO8018 | 2022-12-21 11:10 | 2022-12-21 11:10 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039307 |  | B A | Closed | FCOM7273 | 2022-12-16 13:34 | 2022-12-16 13:34 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038696 |  | A | Closed | FCRE2330 | 2022-12-27 08:51 | 2022-12-27 08:51 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/27/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/27/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038696 |  | A | Closed | FPRO8018 | 2022-12-21 10:21 | 2022-12-21 10:21 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038696 |  | A | Closed | FCOM7273 | 2022-12-16 11:36 | 2022-12-16 11:36 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039303 |  | C B A | Closed | FPRO1244 | 2022-12-20 10:06 | 2022-12-28 10:44 | Resolved | 1 - Information C A | Property | Third Party Valuation | Missing Doc - 3rd Party Valuation Product/Missing | Resolved-Documentation provided is sufficient. CDA supports original appraised value. - Due Diligence Vendor-12/28/2022 <br> Ready for Review-Document Uploaded. Please, find attached the CDA report. Thank you! - Seller-12/27/2022 <br> Open-The loan file did not contain the required 3rd party valuation product. CU score returned at 4.3 and AVM provided does not support original appraised value within 10%. Desk review or second appraisal required to support qualifying appraised value of $XXXX. - Due Diligence Vendor-12/23/2022 | Ready for Review-Document Uploaded. Please, find attached the CDA report. Thank you! - Seller-12/27/2022<br>| Resolved-Documentation provided is sufficient. CDA supports original appraised value. - Due Diligence Vendor-12/28/2022<br>|  |  | 1039303_CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1039303 |  | C B A | Closed | FCRE2338 | 2022-12-20 10:06 | 2022-12-23 12:39 | Waived | 2 - Non-Material B | Credit | Program Parameters | Program Parameters - Property Type | Waived-The subject loan does not meet program parameters for property type. Subject property site size per appraisal is 13.14 acres. XXXX Guidelines dated XX-XX-XXXX, section 7.2 Ineligible Property Types, lists Acreage > 10 acres as an ineligible property type. Formal exception provided in file. - Due Diligence Vendor-12/20/2022 |  | Waived-The subject loan does not meet program parameters for property type. Subject property site size per appraisal is 13.14 acres. XXXX dated 9/6/2022, section 7.2 Ineligible Property Types, lists Acreage > 10 acres as an ineligible property type. Formal exception provided in file. - Due Diligence Vendor-12/20/2022<br>|  | DTI 10% lower than the loan program requirements. No mortgage late payments in last 24 months, LTV 10% below maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1039303 |  | C B A | Closed | FCOM7273 | 2022-12-16 12:24 | 2022-12-16 12:24 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| 1039675 |  | A | Closed | FCRE2330 | 2022-12-20 14:54 | 2022-12-20 14:54 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/20/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039675 |  | A | Closed | FPRO8018 | 2022-12-20 14:53 | 2022-12-20 14:53 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/20/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039675 |  | A | Closed | FCOM7273 | 2022-12-16 13:51 | 2022-12-16 13:51 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038749 |  | C B A | Closed | FCRE2338 | 2022-12-20 15:32 | 2022-12-28 10:28 | Waived | 2 - Non-Material C B | Credit | Program Parameters | Program Parameters - Property Type | Waived-Finding waived; Lender exception provided for property type. - Due Diligence Vendor-12/28/2022 <br>Ready for Review-Document Uploaded. Exception Form provided - Seller-12/28/2022 <br>Open-The subject loan does not meet program parameters for property type. Per guidelines on a condotel, The unit must have a full-size kitchen and a separate bedroom. Units with kitchenettes are considered on a case-by-case basis. Appraisal confirms there are no separate bedroom's and this is a kitchenette. - Due Diligence Vendor-12/20/2022 | Ready for Review-Document Uploaded. Exception Form provided - Seller-12/28/2022<br>| Waived-Finding waived; Lender exception provided for property type. - Due Diligence Vendor-12/28/2022<br>|  | No mortgage lates past 24 months; Borrower has >100 months reserves; Borrower has good investor experience / history. | 1038749_Exception Form - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| 1038749 |  | C B A | Closed | FPRO8018 | 2022-12-20 11:33 | 2022-12-20 11:33 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/20/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038749 |  | C B A | Closed | FCOM7273 | 2022-12-19 11:18 | 2022-12-19 11:56 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/19/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/19/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1038978 |  | A | Closed | FCRE2330 | 2022-12-19 08:22 | 2022-12-19 08:22 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/19/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/19/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038978 |  | A | Closed | FPRO8018 | 2022-12-19 08:21 | 2022-12-19 08:21 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/19/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/19/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038978 |  | A | Closed | FCOM7273 | 2022-12-16 16:39 | 2022-12-16 16:39 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/16/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039775 |  | A | Closed | FPRO8018 | 2022-12-21 16:10 | 2022-12-21 16:10 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/21/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039775 |  | A | Closed | FCRE2330 | 2022-12-21 16:09 | 2022-12-21 16:09 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/21/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039775 |  | A | Closed | FCOM7273 | 2022-12-20 08:55 | 2022-12-20 09:32 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/20/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 7065868 |  | C B A | Closed | FPRO8051 | 2022-12-20 11:39 | 2023-01-10 08:36 | Waived | 2 - Non-Material C B | Property | Appraisal | Appraisal - Comparable property has location outside typical guidelines/Unacceptable | Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-01/10/2023 <br> Ready for Review-Document Uploaded. Exception has been granted. Provided for your review. - Seller-01/10/2023 <br> Open-The appraiser used one or more comparable properties that had locations exceeding typical guidelines which was unacceptable and effected value. Non-QM Loan Eligibility Guidelines dated XX-XX-XXXX, section 9.1.1 Primary Residence, Second Home or Investment - New Construction Comparable Sales section, states all comparable sales must be located within 4 miles of subject. Comp #3 is located 8.79 miles from subject and Comp #5 is located 8.64 miles from subject, both exceeding guideline. - Due Diligence Vendor-12/20/2022 | Ready for Review-Document Uploaded. Exception has been granted. Provided for your review. - Seller-01/10/2023<br>| Waived-Finding waived. Lender exception provided. - Due Diligence Vendor-01/10/2023<br>|  | 700+ fico score; 11 months reserves; history of managing rental properties; no credit events past 48 months. | 7065868_Exception Form - signed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes |
| 7065868 |  | C B A | Closed | FCRE2330 | 2022-12-21 10:35 | 2022-12-21 10:35 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/21/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 7065868 |  | C B A | Closed | FCOM7273 | 2022-12-20 07:32 | 2022-12-20 07:53 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/20/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039597 |  | A | Closed | FPRO8018 | 2022-12-27 13:31 | 2022-12-27 13:31 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/27/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/27/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039597 |  | A | Closed | FCRE2330 | 2022-12-27 13:31 | 2022-12-27 13:31 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/27/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/27/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039597 |  | A | Closed | FCOM7273 | 2022-12-21 10:47 | 2022-12-21 12:03 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/21/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039620 |  | A | Closed | FCRE2330 | 2022-12-28 09:27 | 2022-12-28 09:27 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/28/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/28/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039620 |  | A | Closed | FPRO8018 | 2022-12-28 09:25 | 2022-12-28 09:25 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/28/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/28/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039620 |  | A | Closed | FCOM7273 | 2022-12-21 10:32 | 2022-12-21 11:15 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/21/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/21/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1039214 |  | B A | Closed | FCRE6763 | 2022-12-28 06:27 | 2022-12-28 06:27 | Waived | 2 - Non-Material B | Credit | Income Documentation | Income - Guideline Requirements | Waived-The income documents provided in the loan file did not meet guidelines. Loan is a bank statement program, and there are 16 total NSF fees within the past 12 month period, where a maximum of 3 are allowed per guidelines. Formal exception provided in loan file. - Due Diligence Vendor-12/28/2022 |  | Waived-The income documents provided in the loan file did not meet guidelines. Loan is a bank statement program, and there are 16 total NSF fees within the past 12 month period, where a maximum of 3 are allowed per guidelines. Formal exception provided in loan file. - Due Diligence Vendor-12/28/2022<br>|  | Several income sources and DTI below 45%, 5 years on current job, 10 years or more in same line of employment, No credit events past 48 months, No mortgage late payments in last 24 months, 5+ years credit history, No consumer late payments in last 48 months, +0.25 added to the rate. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes |
| 1039214 |  | B A | Closed | FPRO8018 | 2022-12-27 13:28 | 2022-12-27 13:28 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/27/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/27/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 1039214 |  | B A | Closed | FCOM7273 | 2022-12-21 15:00 | 2022-12-21 15:00 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/21/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/21/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| 1039782 |  | A | Closed | FPRO8018 | 2022-12-20 14:06 | 2022-12-20 14:06 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/20/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039782 |  | A | Closed | FCRE2330 | 2022-12-20 14:05 | 2022-12-20 14:05 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/20/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1039782 |  | A | Closed | FCOM7273 | 2022-12-20 08:21 | 2022-12-20 09:42 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/20/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/20/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A |
| 1031997 |  | B A | Closed | FCRE2338 | 2022-12-30 07:13 | 2022-12-30 07:15 | Waived | 2 - Non-Material B | Credit | Program Parameters | Program Parameters - Property Type | Waived-The subject loan does not meet program parameters for property type. Appraisal is zoned as Legal Nonconforming and appraiser indicates that the property is unlikely to be able to be rebuilt based on current zoning. Formal exception in loan file. - Due Diligence Vendor-12/30/2022 |  | Waived-The subject loan does not meet program parameters for property type. Appraisal is zoned as Legal Nonconforming and appraiser indicates that the property is unlikely to be able to be rebuilt based on current zoning. Formal exception in loan file. - Due Diligence Vendor-12/30/2022<br>|  | Reserves greater than 6 months, experienced investor with 2 or more investment properties, no consumer late payments in the last 48 months, no mortgage late payments in the last 24 months, no credit events in the past 48 months, and +0.5 added to the price. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| 1031997 |  | B A | Closed | FPRO8018 | 2022-12-28 13:59 | 2022-12-28 13:59 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/28/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/28/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1031997 |  | B A | Closed | FCOM7273 | 2022-12-22 06:31 | 2022-12-22 06:31 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/22/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/22/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038542 |  | A | Closed | FPRO8018 | 2022-12-28 13:36 | 2022-12-28 13:36 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/28/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/28/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038542 |  | A | Closed | FCRE2330 | 2022-12-28 13:36 | 2022-12-28 13:36 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/28/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/28/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1038542 |  | A | Closed | FCOM7273 | 2022-12-22 07:49 | 2022-12-22 09:24 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/22/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/22/2022<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| 1040056 |  | A | Closed | FPRO8018 | 2022-12-29 10:19 | 2022-12-29 10:19 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/29/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/29/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1040056 |  | A | Closed | FCRE2330 | 2022-12-29 10:17 | 2022-12-29 10:17 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/29/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/29/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1040056 |  | A | Closed | FCOM7273 | 2022-12-28 16:16 | 2022-12-28 16:16 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/28/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1038677 |  | A | Closed | FCRE2330 | 2022-12-29 15:59 | 2022-12-29 15:59 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/29/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/29/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1038677 |  | A | Closed | FPRO8018 | 2022-12-29 15:34 | 2022-12-29 15:34 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/29/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/29/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1038677 |  | A | Closed | finding-2559 | 2022-12-29 07:31 | 2022-12-29 08:06 | Resolved | 1 - Information A | Compliance | Points & Fees | NY Subprime Home Loan Test | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-12/29/2022 |  | Resolved-This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. - Due Diligence Vendor-12/29/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1038677 |  | A | Closed | FCOM7273 | 2022-12-29 08:05 | 2022-12-29 08:05 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/29/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/29/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039972 |  | A | Closed | FPRO8018 | 2022-12-29 23:20 | 2022-12-29 23:20 | Cleared | 1 - Information A | Property | Value | Value - Value is supported within 10% of original appraisal amount | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/30/2022 |  | Cleared-The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. - Due Diligence Vendor-12/30/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039972 |  | A | Closed | FCRE2330 | 2022-12-29 23:20 | 2022-12-29 23:20 | Cleared | 1 - Information A | Credit | No Credit Findings | No Credit Findings | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/30/2022 |  | Cleared-The loan meets all applicable credit guidelines. - Due Diligence Vendor-12/30/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |
| 1039972 |  | A | Closed | FCOM7273 | 2022-12-28 12:56 | 2022-12-28 13:25 | Cleared | 1 - Information A | Compliance | No Compliance Findings | No Compliance Findings | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/28/2022 |  | Cleared-The loan meets all applicable compliance guidelines. - Due Diligence Vendor-12/28/2022<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A |

---

## Exhibit 99.9

[Imperial Fund Mortgage Trust 2023-NQM1 ABS-15G](admortgage-abs15g_012323.htm)

**Exhibit 99.9**

![](logo-maxwell.jpg)

Maxwell Diligence Solutions LLC

AD Mortgage 2023-NQM1

1/20/2023

---

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| **Loan ID** | **Customer Loan ID** | **Borrower Name** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| 1006337 |  | XXXX |  | XX-XX-XXXX | XXXX |  | $650000.00 | XXXX | 07-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 1006120 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $365000.00 | XXXX | 07-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 1007352 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $600000.00 | XXXX | 07-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1007443 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $360000.00 | XXXX | 07-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1007512 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $1029000.00 | XXXX | 08-10-2022 |  |  |  |  |  | $1080000.00 | $51000.00 | 0.05 | 0.94 | 0.99 | VeroValue |  | 08-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1006363 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $160000.00 | XXXX | 07-15-2022 |  |  |  |  |  | $158000.00 | ($2000.00) | -0.013 | 94 | 0.06 | VeroValue |  | 07-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1006917 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $285000.00 | XXXX | 07-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 1005922 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $415000.00 | XXXX | 07-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1007559 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $165000.00 | XXXX | 08-09-2022 |  |  |  |  |  | $160000.00 | ($5000.00) | -0.03 | 63 | 0.37 | AVMax |  | 08-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1007232 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $150000.00 | XXXX | 08-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 1005861 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $1950000.00 | XXXX | 06-29-2022 | $1950000.00 | 0.00 | 0.00% | 07-14-2022 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1006639 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $600000.00 | XXXX | 07-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 600000 | 0 | 0 | Proteck Valuation Intelligence | Reasonable | 08-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1007103 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $128000.00 | XXXX | 07-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 128000 | 0 | 0 | Pro Teck | Reasonable | 08-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1007387 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $275000.00 | XXXX | 08-01-2022 |  |  |  |  |  | $279000.00 | $4000.00 | 0.015 | H (0.98) | 0.02 | VeroValue |  | 08-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1007688 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $205000.00 | XXXX | 06-16-2022 |  |  |  |  |  | $220000.00 | $15000.00 | 0.073 | 95 | 0.05 | VeroValue |  | 08-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1007830 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $148000.00 | XXXX | 08-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1007263 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $201410.00 | XXXX | 08-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1006583 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $205000.00 | XXXX | 07-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1007011 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $456000.00 | XXXX | 07-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 456000 | 0 | 0 | Proteck | Reasonable | 08-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1007678 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $119000.00 | XXXX | 08-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 1007763 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $270000.00 | XXXX | 08-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1008231 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $295000.00 | XXXX | 06-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1010845 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $265000.00 | XXXX | 08-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 1008197 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $304000.00 | XXXX | 07-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 304000 | 0 | 0 | ProTeck | Reasonable | 09-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1008232 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $295000.00 | XXXX | 06-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 1006845 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $420000.00 | XXXX | 07-29-2022 |  |  |  |  |  | $418000.00 | ($2000.00) | -0.005 | 94 | 0.06 | VeroValue |  | 09-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 1008096 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $406000.00 | XXXX | 08-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 406000 | 0 | 0 | Proteck Valuation Intelligence | Reasonable | 08-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 1006549 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $357000.00 | XXXX | 07-16-2022 |  |  |  |  |  | $337000.00 | ($20000.00) | -0.056 | 97 | 0.03 | Collateral Analytics |  | 09-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1011113 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $495000.00 | XXXX | 08-26-2022 |  |  |  |  |  | $502000.00 | $7000.00 | 0.014 | 96 | 0.04 | VeroValue |  | 09-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1007274 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $744000.00 | XXXX | 07-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 1011188 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $525000.00 | XXXX | 09-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1005313 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $222500.00 | XXXX | 08-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 222500 | 0 | 0 | Pro Teck Valuation Intelligence | Reasonable | 09-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1008024 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $284000.00 | XXXX | 08-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1011073 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $522000.00 | XXXX | 09-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 1011101 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $387000.00 | XXXX | 09-02-2022 |  |  |  |  |  | $388000.00 | $1000.00 | 0.003 | 96 | 0.04 | VeroValue |  | 09-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1011488 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $335000.00 | XXXX | 09-16-2022 |  |  |  |  |  | $332000.00 | ($3000.00) | -0.009 | 97 | 0.03 | VeroValue |  | 09-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1011084 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $142000.00 | XXXX | 09-08-2022 |  |  |  |  |  | $144000.00 | $2000.00 | 0.014 | 81 |  | VeroValue |  | 09-15-2022 | 142000 | 0 | 0 | Proteck | Reasonable | 09-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1011263 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $800000.00 | XXXX | 09-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 800000 | 0 | 0 | ProTeck | Moderate | 09-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1010966 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $253000.00 | XXXX | 08-25-2022 |  |  |  |  |  | $256000.00 | $3000.00 | 0.012 | 96 | 0.04 | VeroValue |  | 08-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1018624 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $310000.00 | XXXX | 09-21-2022 |  |  |  |  |  | $292000.00 | ($18000.00) | -0.058 | 83 |  | Collateral Analytics |  | 10-06-2022 | 310000 | 0 | 0 | ProTeck | Reasonable | 10-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1011024 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $285000.00 | XXXX | 09-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1013918 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $105000.00 | XXXX | 09-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 105000 | 0 | 0 | Proteck | Reasonable | 09-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1011148 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $1272000.00 | XXXX | 09-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1272000 | 0 | 0 | Pro Teck | Excellent | 09-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1027853 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $740000.00 | XXXX | 10-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 720000 | -20000 | -0.027 | Pro Teck Valuation Intelligence | Reasonable | 10-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1011489 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $295000.00 | XXXX | 09-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1011534 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $290000.00 | XXXX | 09-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 1027984 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $770000.00 | XXXX | 10-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1010897 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $450000.00 | XXXX | 09-08-2022 |  |  |  |  |  | $445000.00 | ($5000.00) | -0.011 | 92 | 0.08 | VeroValue |  | 09-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1007855 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $166000.00 | XXXX | 08-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1011259 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $235000.00 | XXXX | 09-07-2022 |  |  |  |  |  | $247000.00 | $12000.00 | 0.051 | 90 | 0.1 | Collateral Analytics |  | 09-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1015256 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $2162000.00 | XXXX | 09-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 1011506 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $350000.00 | XXXX | 09-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1011508 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $350000.00 | XXXX | 09-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1030919 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $825000.00 | XXXX | 10-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 1011398 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $755000.00 | XXXX | 09-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1024837 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $165000.00 | XXXX | 09-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 165000 | 0 | 0 | Proteck | Rasonable | 09-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1011033 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $660000.00 | XXXX | 09-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1031014 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $320000.00 | XXXX | 10-05-2022 |  |  |  |  |  | $323000.00 | $3000.00 | 0.009 | 98 | 0.02 | VeroValue | VeroValue Advantage | 10-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1031374 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $400000.00 | XXXX | 10-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 1010816 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $394000.00 | XXXX | 08-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 1018609 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $840000.00 | XXXX | 09-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 1011294 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $478000.00 | XXXX | 09-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1007333 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $130000.00 | XXXX | 08-11-2022 |  |  |  |  |  | $138000.00 | $8000.00 | 0.062 | 92 | 0.08 | VeroValue | VeroValue AVM | 08-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1011521 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $126000.00 | XXXX | 09-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1012825 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $220000.00 | XXXX | 09-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1027858 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $156500.00 | XXXX | 09-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1030995 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $632000.00 | XXXX | 10-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1027950 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $402000.00 | XXXX | 09-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1024836 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $925000.00 | XXXX | 09-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 1011290 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $650000.00 | XXXX | 09-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 1018095 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $370000.00 | XXXX | 09-27-2022 |  |  |  |  |  | $374000.00 | $4000.00 | 0.011 | 96 | 0.04 | VeroValue | Other | 10-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1031975 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $385000.00 | XXXX | 10-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1011443 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $676500.00 | XXXX | 09-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1010945 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $960000.00 | XXXX | 09-09-2022 |  |  |  |  |  | $982000.00 | $22000.00 | 0.023 | 96 | 0.04 | VeroValue | VeroValue AVM | 10-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1031007 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $530000.00 | XXXX | 10-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1031201 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $273000.00 | XXXX | 10-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1031091 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $180000.00 | XXXX | 10-18-2022 |  |  |  |  |  | $181000.00 | $1000.00 | 0.006 | 88 | 0.12 | VeroValue | VeroValue AVM | 10-26-2022 | 180000 | 0 | 0 | ProTeck | Reasonable | 11-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1030977 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $230000.00 | XXXX | 09-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1031215 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $1001000.00 | XXXX | 10-05-2022 |  |  |  |  |  | $996000.00 | ($5000.00) | -0.005 | 97 | 0.03 | VeroValue | VeroValue AVM | 10-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1012845 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $470000.00 | XXXX | 09-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1015242 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $408000.00 | XXXX | 09-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 1030990 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $350000.00 | XXXX | 10-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 350000 | 0 | 0 | Pro Teck | Reasonable | 10-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1032116 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $640000.00 | XXXX | 10-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 640000 | 0 | 0 | Pro Teck | Reasonable | 10-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1032088 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $380000.00 | XXXX | 10-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1011298 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $116000.00 | XXXX | 10-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 116000 | 0 | 0 | Pro Teck | Reasonable | 10-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1031448 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $490000.00 | XXXX | 10-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1030905 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $520000.00 | XXXX | 10-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1006303 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $360000.00 | XXXX | 10-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1006304 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $370000.00 | XXXX | 10-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 1011280 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $1175000.00 | XXXX | 09-13-2022 |  |  |  |  |  | $1186000.00 | $11000.00 | 0.009 | 96 | 0.04 | VeroValue | VeroValue AVM | 10-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1038250 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $425000.00 | XXXX | 10-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 1007908 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $500000.00 | XXXX | 09-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 1015572 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $430000.00 | XXXX | 09-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 1030963 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $325000.00 | XXXX | 09-30-2022 |  |  |  |  |  | $329000.00 | $4000.00 | 0.012 | 98 | 0.02 | VeroValue | VeroValue AVM | 10-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1030971 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $470000.00 | XXXX | 10-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1011282 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $870000.00 | XXXX | 09-26-2022 |  |  |  |  |  | $890000.00 | $20000.00 | 0.023 | 96 | 0.04 | Collateral Analytics | CA Value MC AVM | 09-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1024827 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $513000.00 | XXXX | 09-13-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 513000 | 0 | 0 | Pro Teck Valuation Intelligence | Reasonable | 10-05-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1031200 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $400000.00 | XXXX | 10-05-2022 |  |  |  |  |  | $400000.00 | $0.00 | 0 | 98 | 0.02 | VeroValue | VeroValue AVM | 10-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1031301 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $181000.00 | XXXX | 10-07-2022 |  |  |  |  |  | $179000.00 | ($2000.00) | -0.011 | 97 | 0.03 | VeroValue | VeroValue AVM | 10-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1031743 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $809000.00 | XXXX | 10-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1031805 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $490000.00 | XXXX | 10-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1011676 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $350000.00 | XXXX | 09-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1018620 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $180000.00 | XXXX | 05-19-2022 |  |  |  |  |  | $284000.00 | $104000.00 | 0.578 | 91 | 0.09 | VeroValue | VeroValue AVM | 10-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1018629 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $144000.00 | XXXX | 05-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 144000 | 0 | 0 | Pro Teck Valuation Intelligence | Reasonable | 11-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1030916 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $267000.00 | XXXX | 10-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 1031746 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $485000.00 | XXXX | 10-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 1032050 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $240000.00 | XXXX | 10-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 1030968 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $124000.00 | XXXX | 10-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1031281 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $300000.00 | XXXX | 10-13-2022 |  |  |  |  |  | $301000.00 | $1000.00 | 0.003 | 97 | 0.03 | VeroValue | VeroValue AVM | 11-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1038430 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $608000.00 | XXXX | 10-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1011516 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $344000.00 | XXXX | 10-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $345000.00 | $1000.00 | 0.003 | Clear Capital | 10-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1011638 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $2350000.00 | XXXX | 08-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2350000 | 0 | 0 | Pro Teck | Reasonable | 08-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1018628 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $216000.00 | XXXX | 09-19-2022 |  |  |  |  |  | $216000.00 | $0.00 | 0 | 97 | 0.03 | VeroValue | VeroValue AVM | 10-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1031420 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $650000.00 | XXXX | 10-21-2022 |  |  |  |  |  | $644000.00 | ($6000.00) | -0.009 | 97 | 0.03 | VeroValue | VeroValue AVM | 10-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1031924 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $173000.00 | XXXX | 10-21-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1036885 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $900000.00 | XXXX | 10-24-2022 |  |  |  |  |  | $909000.00 | $9000.00 | 0.01 | 96 | 0.04 | VeroValue | VeroValue AVM | 11-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1038427 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $495000.00 | XXXX | 10-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 1038305 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $250500.00 | XXXX | 10-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 1035130 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $625000.00 | XXXX | 10-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1031340 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $457000.00 | XXXX | 10-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1031457 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $650000.00 | XXXX | 10-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 1024819 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $703000.00 | XXXX | 09-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 703000 | 0.0 | .000 | ProTeck | Reasonable | 11-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1030864 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $300000.00 | XXXX | 10-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 300000 | 0.0 | .000 | Appraiser | 11-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1031966 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $305000.00 | XXXX | 10-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 1038368 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $195000.00 | XXXX | 10-26-2022 |  |  |  |  |  | $197000.00 | $2000.00 | 0.01 | 98 | 0.02 | VeroValue | VeroValue AVM | 11-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1038476 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $525000.00 | XXXX | 10-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 1038284 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $185000.00 | XXXX | 10-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 1038698 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $388000.00 | XXXX | 09-02-2022 |  |  |  |  |  | $246000.00 | ($142000.00) | -0.366 | 90 |  |  |  | 11-04-2022 | 388000 | 0 | 0 | ProTeck | Reasonable | 11-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |  |
| 1036903 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $307000.00 | XXXX | 10-27-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 1027937 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $802000.00 | XXXX | 10-06-2022 |  |  |  |  |  | $796000.00 | ($6000.00) | -0.007 | 97 | 0.03 | VeroValue | VeroValue AVM | 10-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1009396 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $656000.00 | XXXX | 08-26-2022 | $631000.00 | -25000.00 | -3.80% | 08-30-2022 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1030978 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $1375000.00 | XXXX | 10-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1375000 | 0 | 0 | Pro Teck | Reasonable | 11-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1031384 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $1200000.00 | XXXX | 11-08-2022 | $1245000.00 | 45000.00 | 3.70% | 10-19-2022 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1007301 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $488000.00 | XXXX | 09-12-2022 |  |  |  |  |  | $502000.00 | $14000.00 | 0.029 | 98 | 0.02 | VeroValue | Other | 11-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1006958 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $210000.00 | XXXX | 06-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1030992 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $530000.00 | XXXX | 10-04-2022 |  |  |  |  |  | $542000.00 | $12000.00 | 0.023 | 98 | 0.02 | VeroValue | VeroValue AVM | 11-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1032000 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $375000.00 | XXXX | 10-25-2022 |  |  |  |  |  | $371000.00 | ($4000.00) | -0.011 | 95 | 0.05 | VeroValue | VeroValue AVM | 11-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1038320 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $450000.00 | XXXX | 10-31-2022 |  |  |  |  |  | $447000.00 | ($3000.00) | -0.007 | 95 | 0.05 | VeroValue | VeroValue AVM | 11-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1032030 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $630000.00 | XXXX | 10-18-2022 |  |  |  |  |  | $628000.00 | ($2000.00) | -0.003 | 97 | 0.03 | VeroValue | VeroValue AVM | 11-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1038534 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $334000.00 | XXXX | 10-31-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 1021667 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $686000.00 | XXXX | 10-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 1031447 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $383000.00 | XXXX | 10-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1039200 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $248000.00 | XXXX | 11-03-2022 |  |  |  |  |  | $252000.00 | $4000.00 | 0.016 | 97 | 0.03 | VeroValue | ValueFinder | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1030946 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $900000.00 | XXXX | 10-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 1038426 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $570000.00 | XXXX | 11-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1038702 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $609000.00 | XXXX | 11-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1039093 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $420000.00 | XXXX | 11-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1039108 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $370000.00 | XXXX | 11-14-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 1038610 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $220000.00 | XXXX | 11-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1013931 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $120000.00 | XXXX | 09-17-2022 |  |  |  |  |  | $131000.00 | $11000.00 | 0.092 | 94 | 0.06 | VeroValue | Other | 09-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1013932 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $120000.00 | XXXX | 09-17-2022 |  |  |  |  |  | $124000.00 | $4000.00 | 0.033 | 94 | 0.06 | VeroValue | Other | 11-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1031778 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $225000.00 | XXXX | 10-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1039011 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $240000.00 | XXXX | 11-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 240000 | 0 | 0 | Pro Teck ARR | Reasonable | 11-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1039135 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $225000.00 | XXXX | 11-17-2022 |  |  |  |  |  | $223000.00 | ($2000.00) | -0.009 | 97 | 0.03 | VeroValue | VeroValue AVM | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1010887 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $612000.00 | XXXX | 08-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1027866 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $375000.00 | XXXX | 09-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 1039311 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $450000.00 | XXXX | 11-04-2022 |  |  |  |  |  | $425000.00 | ($25000.00) | -0.056 | 94 | 0.06 | VeroValue | VeroValue AVM | 11-17-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1039400 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $500000.00 | XXXX | 11-22-2022 |  |  |  |  |  | $463000.00 | ($37000.00) | -0.074 | 98 | 0.02 | VeroValue | VeroValue AVM | 12-02-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1039491 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $160000.00 | XXXX | 11-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 160000 | 0 | 0 | Pro Teck ARR | Excellent | 12-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1038697 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $450000.00 | XXXX | 11-18-2022 |  |  |  |  |  | $507000.00 | $57000.00 | 0.127 | 94 | 0.06 | VeroValue | VeroValue AVM | 11-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1039458 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $300000.00 | XXXX | 10-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1039216 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $335000.00 | XXXX | 12-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1039199 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $500000.00 | XXXX | 11-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 500000 | 0 | 0 | Pro Teck | Reasonable | 11-22-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1038837 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $320000.00 | XXXX | 11-11-2022 |  |  |  |  |  | $358000.00 | $38000.00 | 0.119 | 89 |  |  |  | 11-29-2022 | 320000 | 0 | 0 | Pro Teck | Reasonable | 12-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1031391 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $365000.00 | XXXX | 10-10-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1032046 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $995000.00 | XXXX | 10-20-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 1039341 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $810000.00 | XXXX | 10-05-2022 |  |  |  |  |  | $816000.00 | $6000.00 | 0.007 | 96 | 0.04 | Collateral Analytics | CA Value MC AVM | 11-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1039415 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $855000.00 | XXXX | 11-18-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1031400 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $810000.00 | XXXX | 10-16-2022 |  |  |  |  |  | $879000.00 | $69000.00 | 0.085 | 91 | 0.09 | Collateral Analytics | Other | 11-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1038668 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $505000.00 | XXXX | 11-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 1039379 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $249000.00 | XXXX | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1039718 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $525000.00 | XXXX | 10-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 525000 | 0 | 0 | Proteck | reasonable | 11-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1038785 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $292000.00 | XXXX | 11-09-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 292000 | 0 | 0 | Proteck ARR | Reasonable | 12-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1039408 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $650000.00 | XXXX | 11-23-2022 |  |  |  |  |  | $648000.00 | ($2000.00) | -0.003 | 94 | 0.06 | VeroValue | VeroValue AVM | 11-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1039134 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $475000.00 | XXXX | 11-25-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 1011125 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $1445000.00 | XXXX | 10-24-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1031456 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $780000.00 | XXXX | 10-18-2022 |  |  |  |  |  | $742000.00 | ($38000.00) | -0.049 | 90 | 0.1 | Collateral Analytics | Other | 11-30-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1032076 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $1840000.00 | XXXX | 10-28-2022 |  |  |  |  |  | $1790000.00 | ($50000.00) | -0.027 | 93 | 0.07 | VeroValue | VeroValue AVM | 11-16-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1039307 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $100000.00 | XXXX | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 1038696 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $1550000.00 | XXXX | 11-09-2022 |  |  |  |  |  | $1558000.00 | $8000.00 | 0.005 | 94 | 0.06 | VeroValue | VeroValue AVM | 12-08-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1039303 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $2100000.00 | XXXX | 11-28-2022 |  |  |  |  |  | $1597000.00 | ($503000.00) | -0.24 | 98 | 0.02 | VeroValue | VeroValue Preferred | 12-01-2022 | 2100000 | 0 | 0 | ProTeck | Reasonable | 12-15-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1039675 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $1112000.00 | XXXX | 11-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 1038749 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $242000.00 | XXXX | 11-20-2022 |  |  |  |  |  | $245000.00 | $3000.00 | 0.012 | 98 | 0.02 | VeroValue | VeroValue AVM | 11-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1038978 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $428000.00 | XXXX | 11-11-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1039775 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $480000.00 | XXXX | 11-28-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1039597 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $700000.00 | XXXX | 11-29-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1039620 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $190000.00 | XXXX | 11-30-2022 |  |  |  |  |  | $196000.00 | $6000.00 | 0.032 | 94 | 0.06 | VeroValue | VeroValue AVM | 11-23-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 |  |
| 1039214 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $1365000.00 | XXXX | 11-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1365000 | 0 | 0 | Pro Teck Valuation Intelligence | Reasonable | 11-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1039782 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $560000.00 | XXXX | 12-06-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 1031997 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $160000.00 | XXXX | 11-03-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1038542 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $600000.00 | XXXX | 11-07-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 1040056 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $365000.00 | XXXX | 12-12-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 1038677 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $670000.00 | XXXX | 11-04-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 1039972 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $550000.00 | XXXX | 12-02-2022 |  |  |  |  |  | $506000.00 | ($44000.00) | -0.08 | 94 | 0.06 | VeroValue | VeroValue AVM | 12-01-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| 7065868 |  | XXXX |  | XX-XX-XXXX | XXXX | XXXX | $981500.00 | XXXX | 05-19-2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |

---

## Exhibit 99.10

[Imperial Fund Mortgage Trust 2023-NQM1 ABS-15G](admortgage-abs15g_012323.htm)

**Exhibit 99.10**

![](logo-maxwell.jpg)

Maxwell Diligence Solutions LLC

AD Mortgage 2023-NQM1

1/20/2023

---

| | | | |
|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** |
| AllBorrowerTotalIncome | 1 | 195 | 0.51% |
| AmortizationType | 0 | 195 | 0.00% |
| ApplicationDate | 2 | 195 | 1.03% |
| ARInitialInterestRate | 0 | 195 | 0.00% |
| B1Citizen | 1 | 195 | 0.51% |
| B1FirstName | 0 | 195 | 0.00% |
| B1LastName | 0 | 195 | 0.00% |
| B2FirstName | 0 | 195 | 0.00% |
| B2LastName | 0 | 195 | 0.00% |
| FirstPaymentDate | 8 | 195 | 4.10% |
| Guarantor1FTHB | 0 | 195 | 0.00% |
| InitialMonthlyPIOrIOPayment | 6 | 195 | 3.08% |
| InterestRate | 0 | 195 | 0.00% |
| LenderName | 0 | 195 | 0.00% |
| LoanAmount | 0 | 195 | 0.00% |
| LoanProgram | 0 | 195 | 0.00% |
| LoanPurpose | 0 | 195 | 0.00% |
| MINNo | 0 | 195 | 0.00% |
| MortgageOriginationChannel | 0 | 195 | 0.00% |
| NoteDate | 11 | 195 | 5.64% |
| NumberofUnits | 3 | 195 | 1.54% |
| Occupancy | 0 | 195 | 0.00% |
| OriginatorDTI | 0 | 195 | 0.00% |
| OriginatorQMStatus | 95 | 195 | 48.72% |
| PrimaryAppraisedPropertyValue | 0 | 195 | 0.00% |
| PropertyAddress | 0 | 195 | 0.00% |
| PropertyCity | 2 | 195 | 1.03% |
| PropertyCounty | 0 | 195 | 0.00% |
| PropertyState | 0 | 195 | 0.00% |
| PropertyType | 0 | 195 | 0.00% |
| PropertyZipCode | 0 | 195 | 0.00% |
| QMQualifyingTotalHousingExpensePITIA | 17 | 195 | 8.72% |
| QualifyingFICO | 0 | 195 | 0.00% |
| SalesPrice | 1 | 195 | 0.51% |
| UnderwritingGuidelineProductName | 0 | 195 | 0.00% |
| **Total** | **147** | **6825** | **2.15%** |

---

## Exhibit 99.11

[Imperial Fund Mortgage Trust 2023-NQM1 ABS-15G](admortgage-abs15g_012323.htm)

**Exhibit 99.11**

![](logo-maxwell.jpg)

Maxwell Diligence Solutions LLC

AD Mortgage 2023-NQM1

1/20/2023

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 1010816 | XXXX | All Borrower Total Income | 7746.54 | 13222.54 | Verified. |
| 1007908 | XXXX | Application Date | XX-XX-XXXX | XX-XX-XXXX | Verified. |
| 1030864 | XXXX | Application Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1039134 | XXXX | Borrower 1 Citizen | Permanent Resident Alien | US Citizen | Documentation of the borrower's Green Card in the file supports Permanent Resident Alien |
| 1005922 | XXXX | First Payment Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1006583 | XXXX | First Payment Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1031201 | XXXX | First Payment Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1031215 | XXXX | First Payment Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1015242 | XXXX | First Payment Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1030990 | XXXX | First Payment Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1011298 | XXXX | First Payment Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1030905 | XXXX | First Payment Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1006639 | XXXX | Initial Monthly P&I Or IO Payment | 3008.68 | 2658.52 | Verified per Note. |
| 1005313 | XXXX | Initial Monthly P&I Or IO Payment | 1127.5 | 1232.08 | Verified per Note. |
| 1031215 | XXXX | Initial Monthly P&I Or IO Payment | 3656.66 | 4040.51 | Verified per Note. |
| 1011298 | XXXX | Initial Monthly P&I Or IO Payment | 672.86 | 712.89 | Verified per Note. |
| 1011676 | XXXX | Initial Monthly P&I Or IO Payment | 1589.16 | 1689.18 | Verified. |
| 1039718 | XXXX | Initial Monthly P&I Or IO Payment | 3365.69 | 3790.79 | Verified. |
| 1006120 | XXXX | Note Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1010966 | XXXX | Note Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1011489 | XXXX | Note Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1011443 | XXXX | Note Date | XX-XX-XXXX | XX-XX-XXXX | Verified by note |
| 1010945 | XXXX | Note Date | XX-XX-XXXX | XX-XX-XXXX | Verified by Note. |
| 1031007 | XXXX | Note Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1031201 | XXXX | Note Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1031091 | XXXX | Note Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1030905 | XXXX | Note Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1006958 | XXXX | Note Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1030992 | XXXX | Note Date | XX-XX-XXXX | XX-XX-XXXX | Verified per Note. |
| 1011516 | XXXX | Number of Units | 5 | 4 | Verified. |
| 1030978 | XXXX | Number of Units | 2 | 3 | Verified. |
| 1038785 | XXXX | Number of Units | 3 | 2 | Verified. |
| 1006337 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1007443 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1007512 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1006363 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1006917 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1005922 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1007559 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1007232 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1006639 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1007103 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1007830 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1006583 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1007011 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1007678 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1007763 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1008231 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1008197 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1008232 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1006845 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1006549 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1011113 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1007274 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1011188 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1005313 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1011073 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1011101 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1011084 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1018624 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1013918 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1011148 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1027853 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1011534 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1007855 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1011259 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1011508 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1024837 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1031374 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1027858 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1024836 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1012845 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1015242 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1030990 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1032116 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1032088 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1011298 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1031448 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1006303 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1006304 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1011280 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1038250 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1015572 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1030963 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1011676 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1018620 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1018629 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1030916 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1031281 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1038430 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1011516 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1036885 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1038427 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1038368 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1038284 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1038698 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1036903 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1027937 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1031384 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1006958 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1038426 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1039093 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1039108 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1038610 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1013931 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1013932 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1039135 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1027866 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1039311 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1039491 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1039458 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1039216 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1039199 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1031391 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1039379 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1039718 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1038785 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1031456 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1039307 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1039675 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1038749 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1038978 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1039775 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1039620 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1039782 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1031997 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1038542 | XXXX | Originator QM Status | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Verified. |
| 1010966 | XXXX | Property City | XXXX | XXXX | Verified. |
| 1011534 | XXXX | Property City | XXXX | XXXX | Verified. |
| 1007512 | XXXX | QM Qualifying Total Housing Expense PITIA | 7797.55 | 7424.30 | Verified. |
| 1006363 | XXXX | QM Qualifying Total Housing Expense PITIA | 1117.33 | 1111.11 | Verified. |
| 1005922 | XXXX | QM Qualifying Total Housing Expense PITIA | 3237.63 | 3258.98 | Verified. |
| 1007559 | XXXX | QM Qualifying Total Housing Expense PITIA | 1423.51 | 1233.69 | Verified. |
| 1005861 | XXXX | QM Qualifying Total Housing Expense PITIA | 15317.22 | 15317.20 | Verified. |
| 1006639 | XXXX | QM Qualifying Total Housing Expense PITIA | 3237.17 | 2887.01 | Verified. |
| 1007103 | XXXX | QM Qualifying Total Housing Expense PITIA | 834.93 | 834.94 | Verified. |
| 1007688 | XXXX | QM Qualifying Total Housing Expense PITIA | 1838.01 | 1828.01 | Verified. |
| 1006583 | XXXX | QM Qualifying Total Housing Expense PITIA | 1457.52 | 1479.99 | Verified. |
| 1008231 | XXXX | QM Qualifying Total Housing Expense PITIA | 1795.17 | 1797.17 | Verified. |
| 1008024 | XXXX | QM Qualifying Total Housing Expense PITIA | 2298.19 | 2032.88 | Verified. |
| 1011101 | XXXX | QM Qualifying Total Housing Expense PITIA | 2379.38 | 2380.00 | Verified. |
| 1011488 | XXXX | QM Qualifying Total Housing Expense PITIA | 1994.24 | 1986.12 | Verified. |
| 1010966 | XXXX | QM Qualifying Total Housing Expense PITIA | 1996.56 | 2035.23 | Verified. |
| 1011489 | XXXX | QM Qualifying Total Housing Expense PITIA | 1553.92 | 1553.93 | Verified. |
| 1011534 | XXXX | QM Qualifying Total Housing Expense PITIA | 1792.58 | 1762.58 | Verified. |
| 1007855 | XXXX | QM Qualifying Total Housing Expense PITIA | 1581.79 | 1582.06 | Verified. |
| 1011294 | XXXX | Sales Price | XXXX | XXXX | Verified. |

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